Privacy Policy

Effective Date: 05.06.2025

Peak Home Finance LLC ("Company", "we", "our", or "us") owns and operates the Borrow Money - CashPeak mobile application ("App"). We value your privacy and are committed to handling your personal information with transparency and care. This Privacy Policy describes how we collect, use, disclose, and safeguard your information when you interact with our App and use our financial services.

By using Borrow Money - CashPeak, you acknowledge and agree to the practices outlined in this Privacy Policy.

1. Our Services

Borrow Money - CashPeak functions as a direct lending platform, allowing qualified users to apply for and manage short-term cash advance loans. The platform facilitates the entire loan lifecycle—from application and funding to repayment—directly through our App.

2. Information We Collect

2.1 Information You Provide

• Full name
• Contact information (address, phone number, email)
• Date of birth
• Government-issued ID (e.g., driver's license)
• Social Security Number
• Employment and income details
• Bank account and routing information

2.2 Automatically Collected Data

• IP address
• Device type and OS version
• Device identifiers and App preferences
• App usage analytics
• Geolocation data (with consent)

2.3 Third-Party Sources

• Credit bureau data
• Identity verification providers

3. How We Use Your Information

We utilize your data to:

• Process and evaluate loan applications
• Authenticate your identity
• Issue and service your loan
• Communicate account-related updates
• Enhance the App experience
• Detect and prevent fraud
• Fulfill legal or regulatory obligations

4. Information Sharing

We may disclose information to:

• Service Providers – Including payment processors, data verification vendors, and customer support services
• Credit Bureaus – For reporting loan activities
• Regulatory Agencies – In accordance with legal obligations
• Business Successors – In case of merger or acquisition

We do not sell your personal information for marketing purposes.

5. Data Security

We deploy appropriate technical and organizational safeguards to protect your data, including:

• Encryption at rest and in transit
• Secure servers and infrastructure
• Access control mechanisms
• Ongoing vulnerability assessments

However, no data transmission or storage can be guaranteed as 100% secure.

6. Data Retention

We retain your data as long as necessary to fulfill our services, comply with the law, and resolve disputes.

7. Your Rights

Depending on your jurisdiction, your rights may include:

• Access – Review your stored personal data
• Correction – Update inaccurate details
• Deletion – Request removal of your data, unless legally required to retain it
• Opt-Out – Decline marketing or data sharing (where applicable)

To exercise these rights, contact us using the information in Section 10.

8. State Privacy Notices

California residents may have additional rights under the California Consumer Privacy Act (CCPA). Please refer to our separate CCPA Notice for more details. We comply with applicable state-specific laws.

9. Policy Updates

We may revise this Privacy Policy periodically. Material changes will be posted in the App and may be communicated through other channels. Continued use of the App implies consent to any updates.

10. Contact Us

Peak Home Finance LLC
8036 Benevento Dr, El Dorado Hills, CA, 95762-6271
Email: support@peakhomeapp.com
Phone: (916) 555-8234