Last updated: [9/5/24]
Effective Date: [9/5/24]
This Privacy Policy applies to hardshiphero.com, owned and operated by HardshipHero, LLC (“HardshipHero,” “Company,” “we,” or “us”) and any Company affiliate or subsidiary online interface that links to this policy. This Privacy Policy explains how we collect, use, disclose, and protect your personal information when you interact with us online or offline.
We take our ethical responsibilities and your privacy seriously. By using this website, you agree to the terms and conditions of this Privacy Policy, including our Terms of Use. Please read this policy carefully to understand our practices and how we handle your information.
This Privacy Policy describes our privacy practices related to your use of HardshipHero’s website, services, and offline interactions with us. It applies to all personal information we collect in connection with our services, including data shared through our website, customer interactions, and marketing activities. It also addresses rights and protections under various state and federal privacy laws.
We collect personal information through various means, including when you voluntarily provide it, through automated means, and from third parties. The categories of personal information we collect may include:
When you visit our website, we collect certain information automatically, such as:
We may also obtain information about you from third-party sources, such as:
We use your personal information for the following purposes:
We use cookies and similar tracking technologies to enhance your experience on our website and for marketing purposes. These include:
You can manage cookie preferences via your browser settings or by visiting the opt-out options provided by platforms like DAA and NAI.
We share your information in the following ways:
You can opt out of receiving marketing emails or promotional communications by following the unsubscribe instructions provided in the emails or contacting us directly.
You may opt-out of the sale of your personal information by visiting our Do Not Sell My Data page or contacting us.
You have the right to access, correct, or delete your personal information. You may request these actions by contacting us at info@hardshiphero.com.
We are committed to protecting your personal information through industry-standard security measures, including encryption (SSL), firewalls, and secure servers. However, no method of transmission or storage is 100% secure, and we cannot guarantee the absolute security of your data.
We urge you to protect your account by not sharing login credentials and to report any suspected unauthorized access to your account immediately.
We retain your personal information for as long as necessary to fulfill the purposes outlined in this Privacy Policy, unless a longer retention period is required or permitted by law. Once the retention period expires, your data is deleted or anonymized.
Calls with HardshipHero may be recorded or monitored for quality assurance, training, and compliance purposes. By participating in these calls, you consent to this recording and monitoring.
We use cookies and web beacons (clear gifs) to track online activity and interactions. Cookies help improve website navigation and user experience, while web beacons allow us to assess the effectiveness of certain communications. You may disable cookies, but doing so may affect your experience on our website.
We gather certain information automatically through log files, including IP addresses, browser types, and clickstream data. This data helps us monitor trends, administer the site, and improve its performance.
We use clear gifs to track user interactions with our website and email campaigns. These allow us to measure the effectiveness of our content and improve customer engagement. To opt out of email tracking, please unsubscribe from our email communications.
Our website may contain links to third-party sites. Please note that our Privacy Policy applies only to our website, and we are not responsible for the privacy practices of external websites. We encourage you to review their privacy policies before sharing personal information.
Some sections of our website may be co-branded with partners. Information shared on these pages may be governed by the partner’s privacy policy, which may differ from ours.
California Residents: You have additional rights under the California Consumer Privacy Act (CCPA), including the right to request details about how we collect and use your personal information. See our California Privacy Notice for more details.
Vermont Residents: We automatically treat accounts with Vermont billing addresses as if you requested that we not share your information with nonaffiliated third parties.
Nevada Residents: Nevada residents may request that we do not sell their personal information by contacting us at info@hardshiphero.com.
Our website and services are not directed to children under 16, and we do not knowingly collect personal information from children under 16. If you believe we have inadvertently collected such information, please contact us to remove it.
We may update this Privacy Policy from time to time to reflect changes in our practices or applicable laws. The updated policy will be posted with the “Last Updated” date at the top. Continued use of our website and services signifies your agreement to the updated terms.
If you have any questions, concerns, or complaints regarding this Privacy Policy or how we handle your personal information, please contact us:
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.
