Who this applies to
This Privacy Policy applies to information collected by Quick Cash Holdings, LLC ("Quick Cash," "we," "us") through payday-loans-cash-advance.net, our forms, our email and SMS programs, and any pages or apps that link to this policy. It applies to all U.S. visitors and to people who submit information to be matched with a lender. EU/UK residents are not the intended audience of Quick Cash and are not knowingly served.
GLBA privacy notice
Because Quick Cash refers borrowers to financial institutions, the federal Gramm-Leach-Bliley Act (GLBA) and its implementing rule (Regulation P) apply to certain information you provide. Your "nonpublic personal information" (NPI) is treated under the standards below:
- Why we collect it. To match you with state-licensed lenders that can offer credit appropriate to your situation.
- What we collect. Information you give us on the application form, information we receive from the lenders you match with, and information from consumer-reporting agencies if you authorize a credit check.
- How we protect it. Administrative, technical, and physical safeguards described in the Security section.
- Your opt-out for affiliate sharing. Quick Cash does not have affiliates that market non-lending products to you. If that changes you will receive a notice and an opt-out under GLBA before any affiliate sharing begins.
What we collect
We collect three categories of information.
- Information you provide
- Name, address, date of birth, Social Security Number (when required by lenders for eligibility), employment and income information, bank account details for funding, contact information, and military status (used only for Military Lending Act compliance checks).
- Information we receive from lenders and verifiers
- Approval/denial status, offered loan terms, fraud-check results, MLA covered-borrower verification, and identity-verification results.
- Information collected automatically
- Device and browser identifiers, IP address, pages visited, referrer URL, and approximate location at city or state level. We do not collect precise geolocation.
How we use it
- Match you with lenders eligible to serve you in your state
- Run identity, fraud, and Military Lending Act covered-borrower checks
- Provide customer service and respond to your messages
- Send transactional emails or SMS related to your application, where you have given the consents required by law
- Comply with our legal obligations and respond to regulator and law-enforcement requests
- Improve our website and detect security incidents in aggregate
Who we share with
We share information narrowly, only with these categories of recipients:
- State-licensed lenders in our network that you choose to be matched with
- Service providers who help us operate the site — hosting, fraud detection, identity verification, analytics, email and SMS delivery — under contractual confidentiality and use-limitation obligations
- Regulators and law enforcement in response to lawful process or in connection with our compliance obligations
- Successors in interest in the event of a business transfer, subject to this Privacy Policy
No out-of-vertical sale or sharing
If we ever change this position we will (a) update this page; (b) email account-holders 30 days in advance; and (c) make the change prospective only — your previously submitted data will not be moved out of vertical.
CCPA / CPRA (California residents)
California residents have the following rights under the California Consumer Privacy Act, as amended by the California Privacy Rights Act:
- Right to know what personal information we have collected, used, disclosed, or shared in the prior 12 months
- Right to delete personal information we have collected (subject to GLBA and other exemptions)
- Right to correct inaccurate personal information
- Right to opt out of "sale" or "sharing" of personal information (we do neither — see above)
- Right to limit use and disclosure of sensitive personal information
- Right to non-discrimination for exercising any of the above
To exercise: [email protected], or the Do Not Sell or Share My Personal Information link. We verify identity before responding and reply within 45 days.
Additional state privacy rights (2026)
Residents of states with comprehensive consumer-privacy laws in effect as of 2026 have rights including access, correction, deletion, portability, and opt-out of targeted advertising and "sale" of personal data. We do not engage in targeted advertising as defined under those laws and we do not sell personal data. Covered states and their primary statutes include:
- California — CCPA / CPRA (see section above for full California rights)
- Colorado — Colorado Privacy Act (CPA)
- Connecticut — Connecticut Data Privacy Act (CTDPA)
- Delaware — Delaware Personal Data Privacy Act (DPDPA)
- Florida — Florida Digital Bill of Rights (FDBR)
- Indiana — Indiana Consumer Data Protection Act (INCDPA)
- Iowa — Iowa Consumer Data Protection Act (ICDPA)
- Maryland — Maryland Online Data Privacy Act (MODPA)
- Minnesota — Minnesota Consumer Data Privacy Act (MCDPA)
- Montana — Montana Consumer Data Privacy Act (MCDPA)
- Nebraska — Nebraska Data Privacy Act (NDPA)
- New Hampshire — New Hampshire Privacy Act (NHPA)
- New Jersey — New Jersey Data Privacy Act (NJDPA)
- Oregon — Oregon Consumer Privacy Act (OCPA)
- Rhode Island — Rhode Island Data Transparency and Privacy Protection Act (RIDTPPA)
- Tennessee — Tennessee Information Protection Act (TIPA)
- Texas — Texas Data Privacy and Security Act (TDPSA)
- Utah — Utah Consumer Privacy Act (UCPA)
- Virginia — Virginia Consumer Data Protection Act (VCDPA)
Residents of the above states may exercise their applicable rights by following the process below.
To exercise any state-law privacy right, contact [email protected] with the subject "Privacy request — [your state]." We respond within the statutorily required timeframe (typically 45 days). You may appeal a denial by replying with "Appeal" in the subject; the appeal is reviewed by someone other than the original decision-maker.
Global Privacy Control (GPC)
Quick Cash honors the Global Privacy Control browser signal. If your browser transmits GPC, we treat the signal as a valid opt-out of "sale" or "sharing" of personal information for visitors in California, Colorado, Connecticut, and other states where GPC has legal effect — even though we do not sell or share by default. You do not need to file a separate opt-out request if your browser is sending GPC.
Retention
- Lead and application data
- Retained for as long as needed to provide service and for the period required by GLBA, state lending and lead-generation laws, and our own books-and-records obligations — typically 7 years from the last interaction.
- Customer service correspondence
- 3 years from the last interaction.
- Marketing and analytics data
- De-identified or aggregated where possible; raw identifiers retained no longer than 24 months unless tied to an active application.
- Security and fraud logs
- Up to 5 years, in encrypted form, for incident-response and compliance purposes.
Cookies and tracking
We use cookies and similar technologies for three purposes: strictly necessary (login, fraud), functional (preferences, form state), and analytics (aggregated traffic patterns). We do not use third-party advertising trackers. A cookie banner is presented on first visit where required; you can manage preferences via the Cookie preferences link.
Security
We use industry-standard administrative, technical, and physical safeguards including TLS in transit, AES-256 encryption at rest for sensitive fields, network segmentation, employee access controls on a need-to-know basis, regular penetration testing, and an internal incident-response process aligned with FTC Safeguards Rule expectations. No system is impenetrable. If we experience a security incident affecting your information, we will notify you in accordance with applicable law.
Children
Quick Cash is intended for U.S. adults age 18 and over and is not directed to children under 13. We do not knowingly collect information from children. If you believe a child has provided information to us, contact [email protected] and we will promptly delete it.
Changes to this policy
We may update this policy from time to time. Material changes will be highlighted with a "Last updated" date and, for changes that materially expand how we use your data, by direct notice (email to account-holders, 30 days in advance) before the change takes effect.
Sensitive personal information
California and several other state laws define a subset of personal information as "sensitive." For Quick Cash visitors, the sensitive categories we may handle include your Social Security Number (when required by a lender for application processing), your government-issued ID number (for identity verification), your precise financial-account information (for funding), and your military status (for Military Lending Act compliance). We use sensitive personal information only for the purposes for which you provided it — never for cross-context behavioral advertising and never for profiling that produces legal or similarly significant effects on you. We do not infer sensitive characteristics from your behavior on the site.
Where state law allows you to "limit" the use and disclosure of sensitive personal information, you may exercise that right by emailing [email protected] with the subject line "Limit sensitive PI." Note that limiting use of certain fields (for example, Social Security Number) may prevent us from matching you with lenders that require those fields for their underwriting.
Financial privacy and credit-reporting interactions
If a lender in our network pulls a consumer report on you as part of underwriting, that pull is subject to the federal Fair Credit Reporting Act (FCRA) and the lender's own privacy notice. Quick Cash does not pull traditional credit reports as part of the matching process; some lenders may perform a soft inquiry that does not affect your credit score. The lender is the "user" of any consumer report under the FCRA — not Quick Cash — and the lender must provide you with the FCRA notices that flow from any adverse action.
Information we obtain from consumer-reporting agencies (e.g., identity verification results) is handled with the same safeguards as other sensitive information and is retained only as long as needed to support the application and to meet our books-and-records obligations.
Email and SMS communications
If you provide your phone number and consent to receive SMS messages from Quick Cash, we will send transactional and lender-match messages consistent with the TCPA and the specific consent you gave. Message and data rates may apply. You can opt out at any time by replying STOP to any SMS, by clicking the unsubscribe link in any email, or by emailing [email protected]. Consent to receive marketing messages is not a condition of receiving a lender match.
We honor opt-outs across channels: an opt-out from SMS applies to the same phone number across the marketing program. We do not sell your phone number to third parties and we do not allow our SMS partners to use your number for any purpose other than delivering messages on our behalf.
Contact / Data Protection Officer
Our designated privacy contact (effectively our Data Protection Officer for U.S. consumer-privacy purposes) can be reached at [email protected]. Postal mail: Quick Cash Holdings, LLC, Attn: Privacy, [address placeholder]. For California residents, you may also use a verified authorized agent to submit requests on your behalf with proper documentation; the agent must provide proof of authorization and we will verify your identity before responding to any substantive request. We do not charge for the first two verifiable privacy requests in any 12-month period. If we need to deny a request — for example, because GLBA, FCRA, or another federal law requires us to retain the information — we will tell you why in writing and explain your appeal rights.