California Privacy Notice

Last Updated: September 5, 2024
Effective Date: September 5, 2024

This California Privacy Notice applies to HardshipHero, LLC (“HardshipHero,” “we,” “us,” or “our”) and is provided in accordance with the California Consumer Privacy Act (CCPA) and the California Privacy Rights Act (CPRA). This notice explains your rights as a California resident and how HardshipHero collects, uses, discloses, and protects your personal information. This notice supplements our general Privacy Policy and applies solely to California residents.

1. Personal Information We Collect

We collect personal information about you when you visit our website, use our services, or interact with us. Under the CCPA, personal information is any information that identifies, relates to, describes, or can reasonably be linked to an individual.

In the past 12 months, we may have collected the following categories of personal information:

Identifiers: Name, postal address, IP address, email address, Social Security number, driver’s license number, or other similar identifiers.
Personal Records: Financial information, payment details, transaction history, account information, and similar records.
Commercial Information: Products or services purchased, obtained, or considered.
Internet Activity: Browsing history, search history, interaction with our website, and online identifiers (e.g., cookies, pixels).
Geolocation Data: Physical location or movements.
Professional or Employment Information: Job title, company name, and other employment-related information.
Inferences: Information derived from the above to create a profile about your preferences and behavior.

We do not collect sensitive personal information as defined by the CPRA unless necessary for providing services, such as Social Security numbers or financial information for specific transactions.

2. Sources of Personal Information

We collect personal information from the following sources:

Directly from you: When you provide information to us through forms, applications, or during the use of our services.
Automatically: Through the use of cookies, tracking pixels, and other similar technologies when you browse our website.
Third-Party Sources: From affiliates, business partners, and service providers, including advertising and data analytics platforms.

3. Use of Personal Information

We may use personal information for the following business and commercial purposes:

To provide and deliver our services.
To process transactions, payments, and manage your accounts.
To communicate with you, including sending service updates, promotional content, and newsletters.
To comply with legal obligations, such as responding to law enforcement or regulatory authorities.
For marketing, advertising, and promotional activities.
To improve our website, products, and services.
To protect against fraud and ensure security.
For internal analytics and reporting.

4. Sharing and Disclosing Personal Information

In the past 12 months, we may have disclosed the following categories of personal information to third parties for a business purpose:

Identifiers (e.g., name, email address, IP address) to service providers for marketing, customer service, and analytics purposes.
Personal Records (e.g., financial details) to payment processors and financial institutions.
Commercial Information to business partners, lenders, and service providers.
Internet Activity to data analytics providers and advertising networks.
Geolocation Data to marketing platforms to deliver personalized content and ads.

We may share your personal information with:

Service Providers: For processing transactions, managing your account, and providing customer support.
Advertising Partners: For marketing and retargeting ads based on your interaction with our Site.
Legal Authorities: To comply with legal obligations or as required by law.

We do not sell personal information as defined under the CCPA, but certain activities, such as using advertising pixels, may be classified as a “sale” under the law. You have the right to opt out of these activities (see Do Not Sell My Personal Information section below).

5. Your Rights Under the CCPA

As a California resident, you have the following rights regarding your personal information under the CCPA:

a. Right to Know

You have the right to request the categories and specific pieces of personal information we have collected about you in the past 12 months, including:

Categories of personal information collected.
Categories of sources from which the information was collected.
The business or commercial purpose for collecting or sharing personal information.
The categories of third parties with whom we share your information.
The specific pieces of personal information we have collected about you.

b. Right to Delete

You have the right to request that we delete any personal information we have collected from you, subject to certain exceptions. For example, we may retain information necessary to complete a transaction, provide a service, or comply with legal obligations.

c. Right to Correct

You have the right to request that we correct inaccurate personal information that we have collected about you.

d. Right to Opt-Out of Sale or Sharing of Personal Information

If we engage in the sale of personal information or share your personal information for targeted advertising purposes, you have the right to opt out of such activities.

e. Right to Limit Use of Sensitive Personal Information

You have the right to limit the use and disclosure of your sensitive personal information if applicable.

f. Right to Non-Discrimination

You have the right to be free from discrimination for exercising any of your CCPA rights. We will not deny you services, charge you different prices, or provide you with a different level or quality of service for exercising your rights.

6. How to Exercise Your Rights

To exercise your CCPA rights, you can submit a request by:

Filling out our online request form: CCPA Request Form
Emailing us: info@hardshiphero.com
Calling us: 1-888-811-1972

You will be required to verify your identity before we process your request. This may include providing additional information such as your name, email address, or other identifiers.

7. Verification of Requests

To protect your privacy and security, we will take steps to verify your identity before processing your request. This may involve asking for additional details such as your email address, phone number, or account information to confirm your identity.

We will respond to your verified request within 45 days as required by law. If we need more time to respond, we will notify you in writing of the reason and extension period.

8. Do Not Sell My Personal Information

While we do not sell your personal information in exchange for monetary compensation, we may share your personal information with third parties for marketing and advertising purposes, which may be considered a “sale” under the CCPA.

You have the right to opt out of the sale or sharing of your personal information. To exercise this right, please visit our Do Not Sell My Personal Information page or contact us using the information below.

9. Updates to This California Privacy Notice

We may update this California Privacy Notice from time to time to reflect changes in our practices or relevant laws. Any updates will be posted on this page, and the “Last Updated” date will be revised accordingly. Please check this page periodically for any changes.

10. Contact Information

If you have any questions or concerns regarding this California Privacy Notice or our privacy practices, please contact us at:

HardshipHero, LLC
30 N Gould St Ste R, Sheridan, WY 82801, USA
Email: info@hardshiphero.com
Phone: 1-888-279-2106

DISCLAIMER: At HardshipHero, LLC (“HardshipHero,” “we,” “us,” or “our”), we are committed to providing a transparent and compliant platform. The following disclaimer outlines our services, limitations, and important disclosures. By using this website, you agree to these terms.

NON-LENDER STATUS AND AFFILIATE RELATIONSHIPS: HardshipHero, LLC is not a lender, loan broker, or credit decision-maker. We do not provide cash advances, offer loans, or directly engage in lending activities. This website is not an offer or solicitation to lend. Our services function as a lead generation platform that connects individuals seeking financial assistance with third-party service providers, including lenders and financial institutions. We may receive compensation from these third-party partners for referring potential customers or forwarding user information.

LENDERS: The third-party lenders we work with are solely responsible for their loan offerings, decisions, and transactions, including compliance with federal, state, and local regulations. HardshipHero has no control over, nor responsibility for, the actions, disclosures, or agreements provided by these third-party lenders. Your engagement with a lender is subject to their specific terms and conditions.

TRIBAL LENDERS: You may be matched with a tribal lender governed by tribal and certain federal laws, which are immune from state laws, including usury caps. Tribal lenders may offer loan terms that differ from state-regulated lenders, often with higher interest rates and fees. In the event of disputes, tribal lenders may require resolution within a tribal jurisdiction. Please carefully review their terms and conditions before proceeding.

LEAD AGGREGATORS: Your information may be sent to an aggregator, not directly to a lender, and may be sold multiple times, resulting in offers from multiple lenders or marketers. Lenders may supplement your information with data from other sources to assess your eligibility for services. HardshipHero does not guarantee that all lenders can provide the specific loan type, rate, or terms you are seeking.

HOW WE MAKE MONEY: HardshipHero earns revenue through affiliate marketing and lead generation by connecting users with third-party financial service providers. When you interact with our partners’ services through our platform, we may receive a referral fee or commission. This does not affect the cost of services provided to you, nor does it impact the financial recommendations we make based on your circumstances. Our partners include debt settlement companies, loan providers, legal service firms, and others.

LOAN TERMS AND RATES: Consolidation loan options offered by our affiliates typically range from $1,000 to $50,000, with Annual Percentage Rates (APRs) between 6.99% and 35.99%. Origination fees can range from 0% to 10%, with loan terms from 12 to 60 months. As an example, a typical personal loan might involve:

Loan amount: $23,760
Origination fee: 4.95% ($1,176)
Interest rate: 18.00%
Repayment term: 48 months
Monthly payment: $697.95
APR: 20.89%
The borrower would receive $22,584 after the origination fee deduction, with a total interest of $9,741.60 and total loan cost (interest plus origination fee) of $10,917.72. Total payments made would equal $33,501.60. Only the most creditworthy borrowers receive the highest loan amounts at the lowest rates.

CASH TRANSFER TIMES: Times vary depending on lender practices and applicable local laws. In some cases, additional documentation such as faxing may be required. Credit checks may be performed to assess your creditworthiness.

THIRD-PARTY RELATIONSHIPS AND NO GUARANTEE OF RESULTS: While we strive to connect users with financial services that match their needs, HardshipHero makes no guarantee regarding the availability of loan offers, financial outcomes, or terms provided by third-party lenders. The financial solutions presented are based on individual circumstances and lender discretion. We cannot ensure that you will qualify for any specific loan, rate, or terms. Short-term loans are a costly form of credit and should be used responsibly.

STATE-SPECIFIC RESTRICTIONS: Residents of Connecticut, New Hampshire, Washington, and Vermont are not eligible to request cash advances or participate in certain loan services offered through this website. Additionally, this service may not be available in all states, and availability may change without notice.

LEGAL DISCLOSURES AND CONSUMER PROTECTION: Online Lenders Alliance (OLA): HardshipHero adheres to the OLA’s best practices and code of conduct, committing to the highest standards of customer service, compliance with federal laws, and protecting consumers from fraud. We encourage users to understand the full terms and implications of any loan or financial service before engaging with a third-party provider.

NON-DISCRIMINATION: HardshipHero does not discriminate based on race, color, religion, sex, marital status, national origin, ancestry, or any other protected characteristic. All individuals are treated equally in their interactions with our platform and our third-party partners.

LIMITATION OF LIABILITY: TO THE MAXIMUM EXTENT PERMITTED BY LAW, HardshipHero, LLC, ITS PARENTS, SUBSIDIARIES, AFFILIATES, DIRECTORS, OFFICERS, EMPLOYEES, AND AGENTS SHALL NOT BE LIABLE FOR ANY INDIRECT, CONSEQUENTIAL, INCIDENTAL, SPECIAL, PUNITIVE, OR EXEMPLARY DAMAGES ARISING OUT OF OR IN CONNECTION WITH YOUR USE OF THIS WEBSITE OR THE SERVICES PROVIDED THROUGH IT. THIS INCLUDES BUT IS NOT LIMITED TO DAMAGES RESULTING FROM YOUR USE OF LOAN SERVICES, FINANCIAL PRODUCTS, OR THIRD-PARTY PROVIDER AGREEMENTS.

HardshipHero MAKES NO WARRANTIES, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE. WE DO NOT GUARANTEE THAT THIS WEBSITE WILL BE ERROR-FREE OR UNINTERRUPTED, NOR DO WE WARRANT THE ACCURACY OF ANY CONTENT OR INFORMATION PROVIDED.

PRIVACY AND DATA USAGE: Please refer to our Privacy Policy for detailed information on how we collect, use, and protect your personal data. By using this website, you agree to the terms of our data collection practices and understand that your information may be shared with third-party providers for the purpose of facilitating financial services.

UPDATES TO THIS DISCLAIMER: We reserve the right to modify this disclaimer at any time. Any changes will be reflected by updating the “Last Updated” date at the top of this disclaimer. Your continued use of this website following such changes constitutes your acceptance of the updated disclaimer.