1. What This Policy Covers
This Privacy Policy ("Policy") explains how Maitry Finance LLC ("Maitry Finance," "we," "us," or "our") collects, uses, shares, and protects your personal information when you use the Maitry Finance mobile application, website, and related services (together, the "App" or "Services").
By installing, accessing, or using the App, you agree to this Policy. If you do not agree, you must not use the App.
We follow applicable U.S. privacy and consumer-protection laws and guidance, including, as applicable:
- 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
- Comparable state privacy and data-protection laws
Some rights described in this Policy may not apply to GLBA-regulated data or to users outside specific states.
This Policy applies to individuals in the United States who use the App. It does not cover our employees, contractors, or job applicants, and it does not govern independent third-party services that we do not own or control.
2. Information We Collect
We collect information in three main ways: directly from you, automatically from your device, and from third parties.
2.1 Information You Provide to Us
When you interact with the App, you may provide:
- Personal Identifiers – full name, date of birth, email address, phone number, and residential or mailing address.
- Government Identifiers – Social Security number, driver's license, state ID, or similar information used for identity verification and fraud prevention.
- Financial Information – employment details, income, pay schedule, bank account and routing numbers, account and transaction history, repayment information, and loan or cash-advance request details.
- Login & Security Data – usernames, passwords, PINs, and security questions (stored and handled using appropriate security measures, such as encryption).
- Support & Communications – information you send us via email, in-app messages, uploads, or attachments (e.g., ID photos, bank statements).
- Consents & Signatures – electronic signatures, consent checkboxes, and acknowledgments related to applications, disclosures, and legal notices.
2.2 Information Collected Automatically
We may automatically collect:
- Device & Technical Data – IP address, device model, operating system, mobile carrier, app version, language settings, and diagnostic/crash logs.
- Usage & Analytics Data – pages or screens you view, clicks and navigation paths, session duration, timestamps, and referral sources.
- Approximate Location – derived from IP address or device signals, primarily for fraud detection and to apply state-specific eligibility and compliance rules.
- Cookies, SDKs & Similar Tools – used for authentication, security, session management, preferences, and analytics. Some features may not work properly if disabled.
2.3 Information from Third Parties
We may receive information from:
- Identity & Fraud-Prevention Vendors – to verify your identity, address, and income and detect or prevent fraud or abuse.
- Financial Partners – including lenders, banks, loan platforms, servicers, and payment processors participating in providing or servicing financial products you request.
- Credit Bureaus & Alternative Data Sources – where permitted by law and, when required, with your consent, to help evaluate eligibility and risk.
- Lead and Marketing Partners – who may refer you to the App or vice versa.
- Public Records & Government Sources – for compliance, verification, and risk management purposes.
3. How We Use Your Information
We use the information we collect for purposes such as:
- Operating and maintaining the App, creating and managing accounts, processing your requests, and providing core features.
- Verifying identity and preventing fraud or unauthorized access.
- Evaluating and matching loan requests with our own funding or with partner lenders.
- Facilitating disbursements, repayments, and other payment-related activities.
- Responding to customer support inquiries and sending legally required notices or important updates.
- Analyzing usage, improving services, and developing new features.
- Maintaining compliance with laws and regulations, audits, and risk management.
- Sending optional marketing or educational communications consistent with your preferences and applicable law.
4. Legal Bases & Key Principles
Depending on your jurisdiction, we process personal information based on one or more of the following:
- Your Consent – for optional marketing or data uses and where required by law.
- Contractual Necessity – to provide requested services, including loan evaluation and processing.
- Legal Obligations – to comply with applicable laws, regulations, and KYC/AML requirements.
- Legitimate Interests – maintaining App security, preventing fraud, and improving services.
5. How We Share and Disclose Information
5.1 Service Providers
We work with vendors performing services on our behalf, such as:
- Hosting and cloud infrastructure
- Data storage and backup
- Identity verification and fraud prevention
- Customer support and communication tools
- Security monitoring and incident response
- Analytics and performance measurement
- Payment processing
These providers may access personal information only to perform services for us and must protect it under contractual obligations.
5.2 Financial Partners
If we cannot fund a loan directly, we share necessary information with trusted partners to evaluate your request and present potential offers. Once shared, each partner's privacy policy governs further use.
5.3 Legal, Regulatory & Safety
We may disclose information if required by law, legal process, or to protect rights, property, safety, or to investigate fraud, abuse, or security incidents.
5.4 Business Transactions
If the company is involved in a merger, acquisition, reorganization, financing, or sale, personal information may be transferred subject to similar privacy protections.
5.5 At Your Request or With Permission
We may share information when you authorize us to do so.
5.6 No Sale of Data
We do not "sell" personal information and do not engage in cross-context behavioral advertising.
6. Data Retention
We retain personal information only as long as necessary for the purposes described, while your account is active, and as required by law. After retention periods, data is deleted or anonymized.
Typical retention periods:
| Data Type | Retention Period |
|---|---|
| Accounts & Loan Records | Life of relationship plus up to 7 years |
| Compliance & Risk Records | 5–7 years or longer if required |
| Marketing & Communications | Up to 3 years or until opt-out |
| Logs & Analytics | 12–24 months |
7. How We Protect Your Information
We implement administrative, technical, and physical safeguards, including:
- Encryption in transit and at rest
- Access controls and role-based permissions
- Network and system security monitoring
- Vendor security reviews
- Employee training and internal policies
No system is 100% secure; you are responsible for keeping login credentials confidential.
8. Your Privacy Rights
Depending on your state, you may have rights to:
- Access, correction, deletion, or portability of personal information
- Opt-out of certain sharing or marketing communications
We verify identity before responding and may limit requests if legally required.
8.1 Submitting a Request
Contact us at:
Email: support@maitryfinance.com
Subject: "Privacy Request"
Include full name, state, and request type. You may designate an authorized agent where allowed by law.
9. Children's Privacy
The App is for users 18+ (or age of majority). We do not knowingly collect information from children under 13. If discovered, data is deleted promptly.
10. Cookies & Similar Technologies
Used for login, session management, security, preferences, and analytics. Disabling may limit App functionality.
11. Third-Party Services
The App may link or integrate with third parties (lenders, banks, credit bureaus, identity-verification providers, analytics). Their privacy practices apply independently.
12. GLBA & FCRA Notices
Certain information is subject to GLBA or FCRA. Hard credit inquiries require your consent and are disclosed upfront.
13. International Use & Data Transfers
The App is intended for U.S. users. Access from outside the U.S. means your information will be transferred to the U.S., where privacy laws may differ.
14. Updates to This Policy
We may revise this Policy to reflect changes in practices, law, or technology. The Effective Date will be updated, and notices may be provided via the App or email. Continued use constitutes acceptance.
15. Contact Us
Maitry Finance LLC
Email: support@maitryfinance.com
We aim to respond to inquiries within a practical timeframe considering legal and operational requirements.