Privacy Policy – Cash Cowboy (U.S)

Privacy Policy Information

Welcome to Digital Cash Cowboy Inc. (“Cash Cowboy”). This Privacy Policy governs how we collect, use, and protect your personal information when you visit our website located at www.cashcowboy.net (hereafter, “the Website”).

At Cash Cowboy, we value your privacy and are committed to protecting your personal data. This Privacy Policy outlines the types of information we collect, how we use it, and your rights regarding that information. If you have any questions or concerns, please do not hesitate to contact us.

Table of Contents

Personal Information You Provide

When you interact with Cash Cowboy via our website, we may ask you to provide certain personal information, including but not limited to:

  • Your name
  • Email address
  • Phone number
  • Address
  • Photo ID
  • Last paystub
  • Any messages or attachments you send to us

Purposes of Collection, Use, and Disclosure

We collect, use, and disclose your personal information for the following purposes:

  1. Eligibility Verification: To assess your eligibility for loans in compliance with legal requirements.
  2. Transaction Processing: To process and authorize your financial transactions.
  3. Fraud Prevention: To detect and prevent fraudulent activities.
  4. Financial Safeguarding: To protect the financial interests of both our users and Cash Cowboy.
  5. Legal Compliance: To meet all applicable legal and regulatory requirements in the U.S.

Personal Information Categories We Collect

We collect personal information from the following categories:

  • Identifiers: A real name, alias, postal address, unique personal identifier, online identifier, Internet Protocol address, email address, account name, Social Security number, driver’s license number, passport number, or other similar identifiers.
  • Personal Information Categories Listed in the California Customer Records Statute: A name, signature, Social Security number, physical characteristics or description, address, telephone number, passport number, driver’s license or state identification card number, insurance policy number, education, employment, employment history, bank account number, credit card number, debit card number, or any other financial information, medical information, or health insurance information.
  • Protected Classification Characteristics Under California or Federal Law: Age (40 years or older), race, color, ancestry, national origin, citizenship, religion or creed, marital status, medical condition, physical or mental disability, sex (including gender, gender identity, gender expression, pregnancy or childbirth and related medical conditions), sexual orientation, veteran or military status, genetic information (including familial genetic information).
  • Commercial Information: Records of personal property, products or services purchased, obtained, or considered, or other purchasing or consuming histories or tendencies.
  • Professional or Employment-Related Information: Current or past job history or performance evaluations.

Access to Personal Information

We disclose your personal information for a business purpose to the following categories of third parties:

  1. Our affiliates.
  2. Service providers.
  3. Third parties to whom you or your agents authorize us to disclose your personal information in connection with products or services we provide to you.

Retention and Destruction of Personal Information

We retain your personal information for as long as necessary to fulfill the purposes for which it was collected, in accordance with applicable U.S. laws.

Log Files and Cookies

When you visit our website, we may collect demographic data and use cookies to enhance your user experience. Cookies help us gather analytics, improve site functionality, and ensure a personalized service.

Changes to the Privacy Policy Agreement

Cash Cowboy reserves the right to update or change this Privacy Policy at any time. Any changes will be effective immediately upon posting on the Website. It is your responsibility to review this policy periodically to stay informed. By continuing to use our website, you agree to the updated Privacy Policy. If you do not agree with the terms of this Privacy Policy, please refrain from using our website.

Your Rights and Choices

The CCPA provides consumers (California residents) with specific rights regarding their personal information. This section describes your CCPA rights and explains how to exercise those rights.

Access to Specific Information and Data Portability Rights

You have the right to request that we disclose certain information to you about our collection and use of your personal information over the past 12 months. Once we receive and confirm your verifiable consumer request, we will disclose to you:

    • The categories of personal information we collected about you.
    • The categories of sources for the personal information we collected about you.
    • Our business or commercial purpose for collecting or selling that personal information.
    • The categories of third parties with whom we share that personal information.
    • The specific pieces of personal information we collected about you (also called a data portability request).
    • If we sold or disclosed your personal information for a business purpose, two separate lists disclosing:
      • sales, identifying the personal information categories that each category of recipient purchased; and
      • disclosures for a business purpose, identifying the personal information categories that each category of recipient obtained.

Deletion Request Rights

You have the right to request that we delete any of your personal information that we collected from you and retained, subject to certain exceptions. Once we receive and confirm your verifiable consumer request, we will delete (and direct our service providers to delete) your personal information from our records, unless an exception applies.

We may deny your deletion request if retaining the information is necessary for us or our service providers to:

  1. Complete the transaction for which we collected the personal information, provide a good or service that you requested, take actions reasonably anticipated within the context of our ongoing business relationship with you, or otherwise perform our contract with you.
  2. Detect security incidents, protect against malicious, deceptive, fraudulent, or illegal activity, or prosecute those responsible for such activities.
  3. Debug products to identify and repair errors that impair existing intended functionality.
  4. Exercise free speech, ensure the right of another consumer to exercise their free speech rights, or exercise another right provided for by law.
  5. Comply with the California Electronic Communications Privacy Act (Cal. Penal Code § 1546 seq.).
  6. Engage in public or peer-reviewed scientific, historical, or statistical research in the public interest that adheres to all other applicable ethics and privacy laws, when the information’s deletion may likely render impossible or seriously impair the research’s achievement, if you previously provided informed consent.
  7. Enable solely internal uses that are reasonably aligned with consumer expectations based on your relationship with us.
  8. Comply with a legal obligation.
  9. Make other internal and lawful uses of that information that are compatible with the context in which you provided it.
 

Exercising Access, Data Portability, and Deletion Rights

To exercise the access, data portability, and deletion rights described above, please submit a verifiable consumer request to us by either:

Calling us at +1888-516-3113
Visiting cashcowboy.net
Only you or a person registered with the California Secretary of State that you authorize to act on your behalf, may make a verifiable consumer request related to your personal information. You may also make a verifiable consumer request on behalf of your minor child.

You may only make a verifiable consumer request for access or data portability twice within a 12-month period. The verifiable consumer request must:

  • Provide sufficient information that allows us to reasonably verify you are the person about whom we collected personal information or an authorized representative.
  • Describe your request with sufficient detail that allows us to properly understand, evaluate, and respond to it.

We cannot respond to your request or provide you with personal information if we cannot verify your identity or authority to make the request and confirm the personal information relates to you. Making a verifiable consumer request does not require you to create an account with us. We will only use personal information provided in a verifiable consumer request to verify the requestor’s identity or authority to make the request.

Response Timing and Format

We endeavor to respond to a verifiable consumer request within 45 days of its receipt. If we require more time (up to 90 days), we will inform you of the reason and extension period in writing. If you have an account with us, we will deliver our written response to that account. If you do not have an account with us, we will deliver our written response by mail or electronically, at your option. Any disclosures we provide will only cover the 12-month period preceding the verifiable consumer request’s receipt. The response we provide will also explain the reasons we cannot comply with a request, if applicable. For data portability requests, we will select a format to provide your personal information that is readily useable and should allow you to transmit the information from one entity to another entity without hindrance.

We do not charge a fee to process or respond to your verifiable consumer request unless it is excessive, repetitive, or manifestly unfounded. If we determine that the request warrants a fee, we will tell you why we made that decision and provide you with a cost estimate before completing your request.

Non-Discrimination

We will not discriminate against you for exercising any of your CCPA rights. Unless permitted by the CCPA, we will not:

  • Deny you goods or services.
  • Charge you different prices or rates for goods or services, including through granting discounts or other benefits, or imposing penalties.
  • Provide you a different level or quality of goods or services.
  • Suggest that you may receive a different price or rate for goods or services or a different level or quality of goods or services.
 

Changes to Our Privacy Notice

We reserve the right to amend this privacy notice at our discretion and at any time. When we make changes to this privacy notice, we will notify you by email or through a notice on our website homepage.

Contact Information

If you have any questions or comments about this notice, our Privacy Statement, the ways in which we collect and use your personal information, your choices and rights regarding such use, or wish to exercise your rights under California law, please do not hesitate to contact us at:

Phone: +1888-516-3113
Website: cashcowboy.net
Email: [email protected]
Postal Address: M5X 1C7
Attn: 100 King St W #5700, Toronto, ON

Last Modified: June, 2024