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Privacy Policy

Last Updated: March 13, 2025

NEXTWAVE LOAN PROCESSING LLC ("we," "us," or "our") operates the NextWave: Cash Advance Now website and mobile application. We are committed to protecting your privacy. This Privacy Policy describes how we collect, use, disclose, and safeguard your personal information when you use our website, mobile application, and loan processing services. This policy applies to information we collect in connection with financial products and services and is designed to comply with the Gramm-Leach-Bliley Act (GLBA), the California Consumer Privacy Act (CCPA) as amended by the CPRA, and other applicable federal and state privacy laws.

1. Information We Collect

1.1 Personal Information You Provide

We collect personal information that you voluntarily provide when you:

  • Submit a loan request: Name, date of birth, Social Security number, address, email address, phone number, employment information, income, bank account information, and other financial data necessary to process your application.
  • Create an account: Username, password, email address, and other account credentials.
  • Contact us: Name, email address, phone number, and the content of your communications.
  • Subscribe to communications: Email address and marketing preferences.
  • Participate in surveys or promotions: Contact information and responses to survey questions.

1.2 Information Collected Automatically

When you access our website or application, we may automatically collect:

  • Device information: IP address, browser type and version, operating system, device identifiers, and mobile network information.
  • Usage data: Pages visited, time spent on pages, links clicked, referring URLs, and other navigation data.
  • Location data: General geographic location derived from IP address or device settings (with your consent where required).

1.3 Information from Third Parties

We may receive information about you from:

  • Credit bureaus: Credit reports and scores when you authorize us or our partner lenders to obtain them.
  • Identity verification services: Information to verify your identity and prevent fraud.
  • Lenders and partners: Information related to your loan applications, approvals, and account status.
  • Public sources: Information from publicly available databases and records.

2. How We Use Your Information

2.1 Provision of Services

We use your information to:

  • Process and facilitate your loan requests and connect you with third-party lenders.
  • Verify your identity and prevent fraud.
  • Communicate with you about your application, account, and our services.
  • Provide customer support and respond to your inquiries.
  • Improve our website, application, and services.

2.2 Marketing and Communications

With your consent where required, we may use your contact information to send you promotional communications, newsletters, and information about products and services that may interest you. You may opt out at any time. See our Marketing Practices disclosure for more details.

2.3 Legal and Regulatory Compliance

We use your information to comply with applicable laws, regulations, legal process, and governmental requests; to enforce our agreements; and to protect our rights, privacy, safety, or property.

3. Information Sharing and Disclosure

3.1 Sharing with Lenders and Service Providers

We share your personal information with:

  • Third-party lenders: When you submit a loan request, we share your application information with lenders in our network who may be able to offer you a loan. These lenders have their own privacy policies.
  • Service providers: Companies that assist us with operations such as hosting, analytics, payment processing, identity verification, customer service, and marketing. These providers are contractually obligated to protect your information.

3.2 Legal and Safety Disclosures

We may disclose your information when required by law, court order, or governmental authority; to protect our rights or the rights of others; to prevent fraud or illegal activity; or in connection with a merger, acquisition, or sale of assets.

3.3 We Do Not Sell Personal Information

We do not sell your personal information to third parties for monetary consideration. Under the CCPA, "sale" has a broad definition that may include sharing for cross-context behavioral advertising. We do not sell personal information as defined under the CCPA. California residents may submit a "Do Not Sell My Personal Information" request through our Do Not Sell My Info page.

4. Gramm-Leach-Bliley Act (GLBA) Disclosures

4.1 Our Commitment

As a financial services company, we are subject to the Gramm-Leach-Bliley Act and its implementing regulations. We maintain safeguards to protect the security and confidentiality of your nonpublic personal information.

4.2 Categories of Information We Collect

Under GLBA, we collect: (a) information you provide on applications and other forms; (b) information about your transactions with us, our affiliates, or others; and (c) information we receive from consumer reporting agencies.

4.3 Our Information-Sharing Practices

We do not disclose nonpublic personal information about our customers or former customers to nonaffiliated third parties, except as described in this Privacy Policy or as permitted or required by law. We may share information with our affiliates and with nonaffiliated third parties who perform services for us or on our behalf, such as lenders, processors, and technology providers.

5. California Consumer Privacy Rights (CCPA/CPRA)

5.1 Your Rights

If you are a California resident, you have the right to:

  • Know: Request disclosure of the categories and specific pieces of personal information we have collected about you, the categories of sources, the purposes for collection, and the categories of third parties with whom we share it.
  • Delete: Request deletion of your personal information, subject to certain exceptions.
  • Correct: Request correction of inaccurate personal information.
  • Opt out of sale/sharing: Opt out of the "sale" or "sharing" of your personal information (as defined under CCPA). We do not sell personal information; you may still submit a request via our Do Not Sell My Info page.
  • Limit use of sensitive personal information: Limit our use of sensitive personal information to that necessary to perform our services.
  • Non-discrimination: Not receive discriminatory treatment for exercising your privacy rights.

5.2 How to Exercise Your Rights

To exercise your California privacy rights, you may:

We will verify your identity before processing your request. You may designate an authorized agent to submit a request on your behalf; we may require proof of authorization.

5.3 Response Time

We will respond to verifiable requests within 45 days. We may extend this period by an additional 45 days if reasonably necessary, and we will inform you of any extension.

6. Other State Privacy Rights

Residents of other states (e.g., Virginia, Colorado, Connecticut) may have similar rights to access, delete, correct, or opt out of certain uses of personal information. Contact us at [email protected] to exercise your rights.

7. Data Security

We implement administrative, technical, and physical safeguards to protect your personal information against unauthorized access, alteration, disclosure, or destruction. These measures include:

  • Encryption of data in transit (TLS/SSL) and at rest where appropriate.
  • Access controls and authentication to limit access to personal information.
  • Regular security assessments and monitoring.
  • Employee training on data protection and privacy.

No method of transmission over the Internet or electronic storage is 100% secure. We cannot guarantee absolute security but will notify you of any breach affecting your personal information as required by law.

8. Cookies and Similar Technologies

8.1 What We Use

We use cookies, web beacons, pixels, and similar technologies to:

  • Enable essential website functionality (e.g., session management, security).
  • Remember your preferences and settings.
  • Analyze how you use our website to improve our services.
  • Deliver relevant advertising (with your consent where required).

8.2 Cookie Categories

  • Strictly necessary: Required for the website to function; cannot be disabled.
  • Performance: Help us understand usage patterns; can be disabled.
  • Functional: Remember choices you make; can be disabled.
  • Targeting/Advertising: Used for interest-based advertising; can be disabled.

8.3 Managing Cookies

You can control cookies through your browser settings. Disabling certain cookies may limit your ability to use some features of our website.

9. Data Retention

We retain your personal information for as long as necessary to fulfill the purposes described in this policy, unless a longer retention period is required or permitted by law. Factors we consider include:

  • Duration of our relationship and ongoing services.
  • Legal, regulatory, and contractual obligations (e.g., record-keeping for financial services).
  • Resolution of disputes and enforcement of agreements.

When we no longer need your information, we will securely delete or anonymize it.

10. Children's Privacy

Our services are not directed to individuals under 18. We do not knowingly collect personal information from children under 18. If you believe we have collected information from a child under 18, please contact us immediately at [email protected].

11. International Transfers

Your information may be processed in the United States. If you access our services from outside the United States, your information may be transferred to and processed in the United States, where privacy laws may differ from those in your country.

12. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. We will post the updated policy on this page and update the "Last Updated" date. Material changes may be communicated via email or a prominent notice on our website. We encourage you to review this policy periodically.

13. Contact Us

If you have questions about this Privacy Policy or our privacy practices, please contact us:

NEXTWAVE LOAN PROCESSING LLC
23007 BEECHNUT CT
LUTZ, FL 33549
Email: [email protected]
Phone: (863) 734-6454