Last Updated: September 5, 2024
Effective Date: September 5, 2024
At HardshipHero, LLC (“HardshipHero,” “we,” “us,” or “our”), we respect your privacy and are committed to providing you with control over your personal information. This page explains your rights regarding the sale of your personal information under applicable laws, including the California Consumer Privacy Act (CCPA) and other similar regulations.
If you are a California resident, the CCPA grants you the right to opt out of the “sale” of your personal information. Under the CCPA, “selling” personal information broadly includes transferring, disclosing, or making available personal information to a third party in exchange for monetary compensation or other valuable consideration.
You have the right to request that HardshipHero not sell your personal information. To exercise this right, you may submit a Do Not Sell My Personal Information request using the methods provided below.
For purposes of CCPA, a “sale” of personal information is defined broadly and may include sharing personal information with third-party companies for marketing purposes or other valuable consideration. This may include:
HardshipHero does not engage in direct sales of personal information in exchange for monetary compensation. However, we may share personal information with certain third-party service providers or partners in ways that may be considered a “sale” under the CCPA.
You can request that HardshipHero stop selling your personal information by completing the following steps:
Submit a Request Online: You may submit your opt-out request through our Do Not Sell My Personal Information Form, which allows you to provide the necessary information to opt out.
Email Us: You may also submit your request by sending an email to info@hardshiphero.com with the subject line “Do Not Sell My Personal Information.” Please include your full name, email address, and any relevant details to help us process your request.
Call Us: Alternatively, you may contact us by phone at 1-888-811-1972 to submit your opt-out request verbally.
To protect your privacy and ensure that we comply with your request, we may need to verify your identity before processing your request. This may include asking for additional information such as your name, email address, or other identifiers to confirm your identity.
Once your request is verified, we will stop the sale of your personal information as required by law. We will also notify any third parties with whom we have shared your information about your request, provided this is required under applicable law.
HardshipHero will not discriminate against you for exercising your privacy rights. Specifically, we will not:
However, certain functionality or features of our Site or Services may be unavailable to you if they require the sale of personal information to function.
For a detailed explanation of the categories of personal information we collect, how we use it, and with whom we share it, please refer to our Privacy Policy.
We may share personal information for business purposes with service providers, partners, and affiliates that help us deliver our services. This sharing is necessary to provide the best possible experience for our users and to meet our business and contractual obligations. However, this sharing may be deemed a “sale” under applicable privacy laws.
If you are a resident of certain other U.S. states, such as Colorado, Virginia, or Connecticut, similar laws may give you the right to opt out of the “sale” or “sharing” of your personal information for targeted advertising or other purposes. You may exercise your rights under these state laws by submitting a Do Not Sell or Share My Personal Information request using the methods outlined above.
Once we receive and verify your opt-out request, we will process your request as required by law. Please allow up to 45 days for us to respond to your request. If we require additional time, we will notify you of the reason and extension period in writing.
We may update this Do Not Sell My Personal Information notice from time to time in response to changing legal, regulatory, or operational requirements. We encourage you to review this page periodically to stay informed of any updates. Your continued use of the Site after such changes indicates your acknowledgment and acceptance of the updated notice.
If you have any questions or need assistance with your request, 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.
