Privacy Policy

Effective Date: February 10, 2026

1) Overview

This Privacy Policy (“Policy”) explains how MY P Finance LLC (“we,” “us,” or “our”) collects, uses, discloses, and protects personal information when you access or use the Borrow Money Instantly: MyFima mobile application, related website, and associated features or services (collectively, the “App”). By accessing or using the App, you confirm that you have read, understood, and agreed to this Policy. If you do not agree, you must discontinue use of the App.

We comply with applicable United States privacy and consumer protection laws and regulations, including, without limitation:

Gramm-Leach-Bliley Act (GLBA)
California Consumer Privacy Act (CCPA), as amended by the California Privacy Rights Act (CPRA)
Fair Credit Reporting Act (FCRA)
Federal Trade Commission (FTC) rules and guidance
Other applicable federal and state privacy laws

Certain rights described in this Policy may not apply to information governed by GLBA or to users outside relevant jurisdictions. This Policy applies solely to users located within the United States and does not apply to employees, contractors, or third-party services that are not under our control.

2) Information We Collect

We collect personal information from three primary sources: information you provide directly, information collected automatically through your use of the App, and information obtained from third parties.

2.1 Information You Provide

When you use the App, you may voluntarily submit personal information, including but not limited to:

Identifiers – such as full name, date of birth, email address, phone number, and mailing address
Government Identification – including Social Security number, driver’s license, or other state-issued identification for verification purposes
Financial Information – employment information, income details, bank account data, transaction records, repayment information, and requested loan details
Login and Security Information – usernames, passwords, PINs, and security responses (stored using secure encryption methods)
Communications – messages, documents, files, or uploads provided through the App, including identity or financial documentation
Consents and Acknowledgments – electronic signatures, checkbox confirmations, and acknowledgments related to disclosures or agreements

2.2 Information Collected Automatically

When you access or use the App, certain data may be collected automatically, including:

Device and Technical Information – IP address, device type, operating system, App version, language settings, and diagnostic data
Usage Data – pages viewed, features used, session duration, timestamps, click behavior, and referral sources
Approximate Location Data – derived from IP address or device signals for fraud prevention, compliance, and service optimization
Cookies and SDKs – used for authentication, security, preferences, and analytics; disabling these technologies may limit App functionality

2.3 Information from Third-Party Sources

We may obtain information about you from third parties, including:

Identity verification and fraud prevention service providers
Financial partners such as lenders, banks, loan platforms, and payment processors
Credit bureaus or alternative data providers, where permitted and with appropriate authorization
Referral or marketing partners that direct users to the App or receive referrals from us
Public databases or government sources, when required for verification or compliance

3) Use of Information

We use personal information for the following purposes:

To provide, operate, and maintain the App and related services
To create and manage user accounts and deliver App functionality
To verify identity and detect, prevent, or investigate fraud through KYC, AML, and security monitoring
To facilitate loan or cash-advance requests by sharing relevant information with financial partners for evaluation
To support transactions, including payment processing, disbursements, and repayments
To respond to inquiries, customer support requests, confirmations, and service or legal notices
To improve App performance, analyze usage patterns, and address technical issues
To comply with legal obligations, regulatory requirements, and enforce our Terms of Use
To deliver optional marketing, informational, or educational communications based on user preferences

4) Legal Basis for Processing

Depending on the context and applicable law, we process personal information based on one or more of the following legal grounds:

User consent, where required, including for marketing communications
Contractual necessity, to provide services requested by the user
Legal obligations, to comply with applicable laws and regulations
Legitimate business interests, including fraud prevention, security, and App improvement

5) Sharing of Information

We share personal information only as necessary to operate the App, meet legal requirements, and fulfill the purposes outlined in this Policy.

5.1 Service Providers

We may share information with trusted third-party vendors that perform services on our behalf, including:

Hosting and cloud infrastructure services
Identity verification providers
Customer support platforms
Analytics and performance monitoring services
Payment processing services
Security, risk management, and incident response providers

These service providers are authorized to use personal information solely to perform contracted services and are subject to confidentiality and security obligations.

5.2 Financial Partners

When you submit a loan or cash-advance request, relevant information may be shared with participating lenders or financial partners to evaluate eligibility. Once shared, the privacy practices of those partners are governed by their respective privacy policies, and users are encouraged to review them carefully.

5.3 Legal and Safety Disclosures

We may disclose personal information as required to:

Comply with applicable laws, regulations, or legal processes
Protect the rights, property, or safety of MY P Finance LLC, users, or others
Investigate, prevent, or respond to fraud, misuse, or security incidents

5.4 Business Transfers

If MY P Finance LLC is involved in a merger, acquisition, restructuring, or sale of assets, personal information may be transferred as part of that transaction, subject to safeguards consistent with this Policy.

5.5 With User Authorization

We may share information when you explicitly authorize or direct us to do so.

5.6 No Sale of Personal Information

We do not sell personal information and do not engage in cross-context behavioral advertising. Any material change to this practice will be disclosed in accordance with applicable law.

6) Data Retention

We retain personal information only for as long as necessary to fulfill legitimate business purposes and comply with legal requirements, including:

Account and service records – retained during the active relationship and generally up to 7 years thereafter
Compliance, fraud, and risk records – typically retained for 5 to 7 years
Marketing communications – retained for up to 3 years or until a user opts out
Log files and analytics data – generally retained for 12 to 24 months

After applicable retention periods expire, information is securely deleted or anonymized.

7) Data Security

We implement reasonable administrative, technical, and physical safeguards to protect personal information, including:

Encryption of data in transit and at rest
Role-based access controls
Ongoing system monitoring and periodic security audits
Vendor security assessments
Employee training and internal security policies

Despite these measures, no system can be guaranteed to be completely secure. Users are responsible for safeguarding their account credentials and promptly notifying us of unauthorized access.

8) Your Privacy Rights

Depending on your state of residence, you may have the right to:

Access and obtain a copy of your personal information
Request correction of inaccurate or incomplete information
Request deletion of personal information, subject to legal limitations
Receive personal information in a portable and structured format
Opt out of certain data uses, sharing, or marketing communications

Requests may require identity verification, and certain rights may be limited by law.

Submitting Requests:
Please contact [email protected] and include your full name, state of residence, and the nature of your request. Where permitted by law, you may authorize an agent to submit a request on your behalf.

9) Children's Privacy

The App is intended for individuals aged 18 and older. We do not knowingly collect personal information from children under the age of 13. If such information is identified, it will be promptly deleted.

10) Cookies and Tracking Technologies

We use cookies, SDKs, and similar technologies to support authentication, security, user preferences, and analytics. Modifying browser or device settings may impact App functionality.

11) Third-Party Services

The App may include links or integrations to third-party websites or services. We are not responsible for the privacy practices or content of third parties, which are governed by their own policies.

12) GLBA and FCRA

Certain nonpublic personal financial information is regulated under the Gramm-Leach-Bliley Act (GLBA). The use of consumer reports is governed by the Fair Credit Reporting Act (FCRA). Any hard credit inquiry requires your express authorization.

13) International Users

The App is intended for use by residents of the United States. Personal information may be processed and stored within the United States, and by using the App you consent to such processing.

14) Policy Updates

We may update this Policy periodically. Any changes will be reflected by an updated effective date and may be communicated through the App or by email. Continued use of the App constitutes acceptance of the revised Policy.

15) Contact Information

For questions, concerns, or privacy-related requests, please contact:

MY P Finance LLC
807 W Seminole St
Springfield, MO 65807-2527
Email: [email protected]
Phone: (573) 435-3737