Privacy Policy

Effective Date: October 22, 2025
Last Updated: October 22, 2025

1. Information We Collect

We may collect the following categories of personal information when you apply for a loan, interact with our services, or visit our website:

• ■ Full name
• ■ Mobile phone number
• ■ Email address
• ■ Residential address and contact details
• ■ Employment and income information
• ■ Financial and banking details
• ■ Government-issued identification (e.g., driver’s license, passport)
• ■ Supporting documentation (e.g., utility bills, pay stubs)
• ■ Technical and behavioral data from website interactions (e.g., IP address, device type, pages visited, session data)

2. How We Use Your Information

We use your information for purposes including, but not limited to:

• ■ Processing and reviewing loan applications
• ■ Verifying identity and submitted documentation
• ■ Contacting you about your application or account status
• ■ Sending SMS/text messages related to:
  • Application status updates
  • Payment reminders
  • Customer service responses
  • Promotional and marketing offers
• ■ Responding to customer service inquiries
• ■ Improving our website, security systems, and marketing effectiveness
• ■ Complying with applicable legal and regulatory obligations

3. SMS/Text Message Communications & Consent

By submitting your information through our website or application forms, you expressly consent to receive SMS/text messages from CashKingdom Loans at the mobile number you provide.

SMS Use Cases: We may send text messages that include:

• Loan application updates
• Payment reminders or account notices
• Customer support or verification requests
• Special promotions or exclusive offers

Disclosures:

• Message frequency: up to 10 messages per month, depending on activity
• Message and data rates may apply
• You can opt out at any time by replying “STOP” to any message
• For help, reply “HELP” or contact us at info@cashkingdomloans.com

We promptly honor opt-out requests. After unsubscribing, you will receive a confirmation message and will not receive further promotional messages unless you re-enroll.

Carrier Compliance Notice: SMS consent is collected separately from loan application consent. Consent to receive SMS messages is not a condition of loan approval or service. We never sell or share SMS opt-in data or phone numbers with third parties for unrelated marketing purposes.

4. Data Security

We implement physical, technical, and administrative safeguards designed to protect your personal information from unauthorized access, disclosure, alteration, or destruction. However, no method of electronic storage or transmission is completely secure, and we cannot guarantee absolute security. You share your information at your own risk.

5. Sharing of Information

We do not sell your personal information. We may share your data only with trusted third-party service providers who assist us in:

• Verifying identities and documents
• Processing applications or payments
• Delivering SMS/text and email communications
• Hosting or maintaining our website and infrastructure

These providers are contractually required to:

• Use your data solely for authorized business purposes
• Maintain strict data protection and confidentiality standards
• Never sell or misuse your information

6. Data Retention

We retain your personal data only as long as necessary to fulfill the purposes outlined in this policy or as required by law.

• Application and account data: up to 5 years after your last activity or account closure
• SMS and communication logs: up to 2 years for compliance, support, and auditing purposes

After these retention periods, data is securely deleted or anonymized.

7. Your Privacy Rights

You have the right to:

• Request access to the personal information we hold about you
• Request correction of inaccurate or outdated data
• Request deletion of your information, subject to legal retention requirements
• Withdraw consent to SMS messaging or marketing communications at any time

To exercise your privacy rights, please contact us using the information provided below.

8. Updates to This Privacy Policy

We may update this Privacy Policy from time to time. Any updates will be posted on this page and indicated by a revised “Last Updated” date. We encourage you to review this policy periodically to stay informed about how we protect your information.