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Online Security: Protect Against Fraud

Protect against fraud

User Website Usage Agreement

Online Security: Protect Against Fraud

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

At HardshipHero, LLC (“HardshipHero,” “we,” “us,” or “our”), protecting the security of your personal and financial information is of the utmost importance to us. We take proactive steps to secure our systems and safeguard your sensitive data from fraud and unauthorized access. This Online Security: Protect Against Fraud notice outlines the security measures we employ and the steps you can take to protect yourself from fraud.


1. How We Protect Your Information

We implement a variety of industry-standard security measures to ensure that your personal and financial information is safe when you interact with our website or services. Some of the key measures we have in place include:

a. Data Encryption

  • All sensitive data, such as financial information, Social Security numbers, and account credentials, are encrypted using Secure Socket Layer (SSL) technology. This ensures that your information is securely transmitted between your browser and our servers.

b. Firewall Protection

  • Our systems are protected by advanced firewalls designed to block unauthorized access and safeguard your personal data from external threats.

c. Regular Security Audits

  • We conduct regular security assessments, including vulnerability scans and penetration testing, to identify and address potential vulnerabilities in our systems.

d. Multi-Factor Authentication (MFA)

  • Where applicable, we implement multi-factor authentication (MFA) for added protection, requiring an additional layer of verification to access sensitive accounts.

e. Monitoring for Fraudulent Activity

  • We actively monitor our systems for any suspicious or unauthorized activity, such as unusual login attempts or transactions. Our fraud detection systems alert us to potential security risks in real time.



2. How You Can Protect Yourself

While we are committed to securing your information, there are also steps you can take to help protect yourself from fraud and online threats. Here are some best practices for safeguarding your data:

a. Use Strong Passwords

  • Create strong, unique passwords for each of your online accounts. Avoid using easily guessable information, such as your name, birthdate, or common words. Consider using a password manager to generate and store complex passwords.

b. Enable Multi-Factor Authentication (MFA)

  • Whenever possible, enable multi-factor authentication (MFA) for your accounts. MFA adds an extra layer of security by requiring both your password and a second verification method (e.g., a code sent to your phone).

c. Be Wary of Phishing Attempts

  • Be cautious when receiving unsolicited emails, text messages, or phone calls asking for your personal information. Legitimate companies will never ask for sensitive information like passwords or Social Security numbers via email or phone. Verify the sender before responding.

d. Keep Your Devices and Software Updated

  • Ensure that your computer, smartphone, and other devices are updated with the latest security patches and software updates. This helps protect against known vulnerabilities.

e. Avoid Public Wi-Fi for Sensitive Transactions

  • Avoid accessing sensitive accounts or conducting financial transactions over public Wi-Fi networks, which are often unsecured and vulnerable to hackers. Use a Virtual Private Network (VPN) if you must access sensitive information while on public Wi-Fi.

f. Monitor Your Accounts Regularly

  • Regularly review your financial accounts, credit reports, and statements for any unauthorized transactions or suspicious activity. Report any discrepancies to your financial institution immediately.


3. Common Fraudulent Activities to Watch For

Understanding the most common types of online fraud can help you stay alert and protect yourself. Below are some of the most common threats to watch out for:

a. Phishing Scams

  • Phishing involves fraudulent emails or messages designed to trick you into revealing personal or financial information. These messages often appear to come from legitimate companies but are sent by cybercriminals.

b. Fake Websites

  • Fraudsters may create fake websites that look like legitimate businesses to steal your personal information. Always verify the URL of any website before entering sensitive information, and look for security indicators like the padlock symbol in your browser’s address bar.

c. Social Engineering

  • Social engineering involves manipulating individuals into divulging confidential information, often through impersonation or trickery. Be cautious of unsolicited requests for sensitive information.

d. Malware and Ransomware

  • Malware, including ransomware, is malicious software designed to infect your devices and steal your information or hold your data hostage. Avoid downloading suspicious attachments or clicking on links from unknown sources.



4. What to Do if You Suspect Fraud

If you suspect that you’ve been a victim of fraud or if you notice any unauthorized activity on your account, take the following steps immediately:

  • Contact Us: Notify us right away by emailing security@hardshiphero.com or calling +1 888-279-2106. We will work with you to investigate the issue and take appropriate action to secure your account.
  • Notify Your Financial Institution: If any of your financial accounts have been affected, contact your bank or credit card company to report the fraudulent activity and prevent further unauthorized transactions.
  • Change Your Passwords: Immediately change the passwords for all affected accounts, including your HardshipHero account, email accounts, and any other sensitive services.
  • Monitor Your Accounts: Continue monitoring your accounts closely for any additional unauthorized activity.


5. Reporting Fraud or Suspicious Activity

If you come across any fraudulent or suspicious activity related to your interaction with HardshipHero, we encourage you to report it to us immediately. You can reach us through the following contact details:

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


6. Our Commitment to Continuous Improvement

We are committed to staying ahead of emerging online threats and continuously improving our security measures. As technology evolves, we will implement new safeguards and maintain up-to-date security practices to ensure that your information is protected.


7. Updates to Our Security Policy

We may update this Online Security: Protect Against Fraud notice from time to time to reflect changes in our security 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.


8. Contact Information

For further inquiries about our online security practices or to report fraud, 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

 

Copyright ©2024 HardshipHero, LLC

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.