Last Updated: September 5, 2024
Effective Date: September 5, 2024
At HardshipHero, LLC (“HardshipHero,” “we,” “our,” or “us”), the security of your personal information is a top priority. We implement industry-standard security practices to protect the confidentiality, integrity, and availability of your data when you use our website, services, or interact with us.
This Security Policy outlines the steps we take to safeguard your information and describes what you can do to help protect your personal information. By using hardshiphero.com (the “Site”) or our related services, you acknowledge and agree to the terms outlined in this Security Policy.
We employ a variety of administrative, technical, and physical safeguards to protect your information. These measures are designed to ensure the confidentiality, integrity, and availability of your personal information against unauthorized access, alteration, disclosure, or destruction. These safeguards include:
Encryption: We use industry-standard encryption (SSL/TLS) to protect your data during transmission over the Internet. This ensures that any personal or financial information transmitted between your device and our servers is secure and cannot be easily intercepted.
Secure Servers: All data is stored on secure servers behind firewalls designed to prevent unauthorized access. Our servers reside in highly secured facilities with 24/7 monitoring and multiple layers of physical security.
Access Controls: Access to personal information is restricted to authorized personnel only. We implement role-based access controls and regularly review access permissions to ensure that only those who need to access sensitive data for business purposes are granted access.
Regular Audits: We regularly audit our systems, procedures, and access controls to ensure that our security protocols remain up to date with evolving security threats. This includes internal and external security assessments.
Security Software: We utilize antivirus, anti-malware, intrusion detection, and prevention systems to monitor and defend against potential threats. These systems are updated regularly to ensure the highest level of protection.
When you submit sensitive information (such as credit card or Social Security numbers) through our Site, we encrypt that information using SSL (Secure Sockets Layer) technology. This encryption ensures that your information is protected during transmission from your browser to our servers.
We follow strict protocols for storing your personal information, ensuring that data is protected both during transmission and when at rest.
We limit access to personal information to authorized employees, contractors, and agents who need to know that information to operate, develop, or improve our services.
Role-Based Access: Employees are granted access only to the data necessary for their roles. We enforce strict role-based access control measures and conduct regular access audits.
Multi-Factor Authentication (MFA): We use multi-factor authentication for access to sensitive systems, requiring users to authenticate via multiple verification methods, such as passwords and verification codes, to prevent unauthorized access.
Password Management: We enforce strong password policies requiring employees and users to create complex passwords and periodically change them. All passwords are hashed and securely stored.
We continuously monitor our systems for suspicious activity and potential threats. Our security team is dedicated to responding quickly to any incident or vulnerability.
Intrusion Detection Systems: We use state-of-the-art intrusion detection systems (IDS) to monitor, detect, and alert us to unauthorized activities or potential threats in real-time.
Incident Response Plan: In the event of a security breach or suspicious activity, we have a comprehensive incident response plan to identify, contain, and remediate any vulnerabilities quickly and efficiently.
Security Audits and Penetration Testing: We conduct regular vulnerability assessments and penetration testing on our systems to ensure they remain secure and resilient against attacks.
While we take extensive measures to protect your information, security is a shared responsibility. We encourage our users to adopt the following best practices:
Create Strong Passwords: Use complex passwords that include letters, numbers, and special characters, and avoid using easily guessable information such as birthdays or common words.
Enable Two-Factor Authentication (2FA): We recommend enabling two-factor authentication when available, adding an extra layer of security to your account.
Beware of Phishing Scams: Be cautious of unsolicited emails, phone calls, or messages asking for your personal information. Always verify the legitimacy of communications before providing sensitive details.
Log Out of Accounts: Always log out of your account after using our services, especially on public or shared computers.
HardshipHero is committed to protecting you from fraud and unauthorized activity. To safeguard your account and personal information, we have implemented the following measures:
Fraud Monitoring: We monitor account activity for signs of suspicious transactions or unauthorized activity.
Verification Protocols: We may request additional identity verification when suspicious activity is detected or during high-risk transactions.
Transaction Notifications: You may receive alerts for certain account activities, helping you monitor and respond quickly to potential issues.
If you believe you have identified a security vulnerability in our systems, we encourage responsible disclosure through our Vulnerability Disclosure Program. Please report potential vulnerabilities to us at security@hardshiphero.com. We will investigate all reports and respond promptly.
If you access our Site or Services via a mobile device, we recommend the following security practices:
Use Trusted Applications: Only download and use trusted applications from recognized app stores (e.g., Google Play, Apple App Store).
Keep Software Updated: Ensure your device operating system and applications are up to date to protect against known vulnerabilities.
Enable Device Encryption: If supported by your device, enable encryption to protect your stored information.
We work with third-party service providers to assist with services such as payment processing, customer support, and analytics. These providers may access personal information but are bound by confidentiality agreements and required to follow industry-standard security practices.
Service Provider Audits: We vet and regularly assess third-party service providers to ensure they meet our security standards.
Data Sharing: Only necessary personal information is shared with third-party service providers to facilitate specific tasks, and they are prohibited from using your information for any other purpose.
If you believe your account has been compromised, or if you detect any suspicious activity related to your personal information, please report it immediately to our support team at:
HardshipHero, LLC
30 N Gould St Ste R, Sheridan, WY 82801, USA
Email: info@hardshiphero.com
Phone: 1-888-811-1972
We will investigate all reports and take appropriate actions to protect your account and information.
We may update this Security Policy from time to time to reflect changes in technology, legal requirements, or our security practices. Any changes will be posted on this page, and the “Last Updated” date will be revised accordingly. Continued use of the Site and Services after such changes will constitute your acknowledgment and acceptance of the updated terms.
If you have any questions about this Security Policy or our security 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.