Privacy Notice

CLS Money Y LLC ("CLS Money Y," "we," "our," or "us") respects your privacy and is committed to protecting personal information collected through our website and related services.

This Privacy Notice explains how we collect, use, store, disclose, and safeguard information when you visit or use clsmoneyy.com (the "Site"), including our editorial comparison content, guides, and referral links for cash advance apps, installment loans, personal loans, and bad-credit borrowing options. Product matching and eligibility flows run in our CLS Money Y iOS application; see our App Privacy Policy for App-specific practices.

This Privacy Notice applies solely to clsmoneyy.com and related web-based services operated by CLS Money Y LLC.

If you are redirected to or interact directly with a lender, marketplace, or financial provider after leaving our Site, that third party's own privacy practices govern those interactions.

1. Who We Are

CLS Money Y LLC is a Colorado-organized company operating an online financial comparison platform and, through our iOS app, a matching and referral service for borrowing products.

CLS Money Y:

• is not a lender;
• is not a loan broker;
• is not a financial institution or bank;
• does not issue loans or cash advances;
• does not make underwriting decisions;
• does not determine rates, fees, repayment terms, or approval decisions.

On the Site, our services are limited to editorial comparison content, educational materials, and helping you discover third-party financial providers through published information and voluntary contact. Matching, prequalification, and application routing occur in our iOS app under the App Privacy Policy. Any lending decision, eligibility review, approval, funding, or repayment arrangement is handled exclusively by third-party providers.

2. Information We Collect

We collect information in several categories depending on how you interact with our Site and, separately, our App.

Information You Provide Directly

When using forms on the Site or contacting us, you may voluntarily submit:

Contact Information

• first and last name;
• email address;
• phone number where voluntarily provided.

Matching and Eligibility Information

Matching and eligibility information (such as requested loan amount, ZIP code, income range, and similar fields) is collected primarily through our CLS Money Y iOS application. On the Site, you may voluntarily provide general inquiry information when contacting us; we do not operate full matching forms on the public website.

• requested loan or advance amount (primarily in the App);
• borrowing preferences (primarily in the App);
• ZIP code or state of residence;
• employment status (primarily in the App);
• income source (primarily in the App);
• approximate income range (primarily in the App);
• pay schedule (primarily in the App);
• general financial preference data;
• other eligibility-related information you choose to provide.

Communications

If you contact us, we may collect:

• email contents;
• message history;
• support requests;
• attachments or files you submit.

Information Collected Automatically

When you browse the Site, certain technical information may be collected automatically.

This may include:

Device Information

• IP address;
• browser type and version;
• operating system;
• device type;
• language settings;
• screen resolution;
• time zone settings.

Usage Information

• pages viewed;
• links clicked;
• page interaction behavior;
• navigation flow;
• session duration;
• referring URLs;
• exit pages;
• approximate geolocation inferred from IP.

Log Information

Our systems may automatically record:

• server logs;
• timestamps;
• error logs;
• request headers;
• response status codes;
• security and diagnostic records.

Information from Third Parties

We may receive limited information from third parties, including:

• hosting providers;
• analytics vendors;
• infrastructure providers;
• referral confirmation partners.

3. Information We Do Not Intentionally Collect

CLS Money Y does not intentionally request or collect on the Site:

• Social Security numbers;
• driver's license numbers;
• passport numbers;
• government identification numbers;
• bank account credentials;
• debit card numbers;
• credit card numbers;
• online banking usernames or passwords.

If a partner provider requires such information, collection occurs directly on that provider's own systems under its own privacy practices, or through our App as described in the App Privacy Policy.

4. How We Use Information

We may use collected information for the following purposes:

Service Delivery

• operating editorial comparison and educational content on the Site;
• responding to inquiries you submit through the Site;
• matching users with participating providers (primarily through the App);
• filtering offers based on eligibility criteria (primarily through the App);
• displaying available financial products (primarily through the App).

Communications

• responding to support inquiries;
• delivering requested service communications;
• operational notices.

Site Improvement and Analytics

• analyzing visitor behavior;
• optimizing content and navigation;
• improving usability;
• debugging technical issues;
• measuring referral performance.

Security and Fraud Prevention

• detecting suspicious activity;
• preventing abuse or malicious traffic;
• enforcing Terms of Service;
• maintaining platform integrity.

Legal Compliance

• complying with laws and regulations;
• responding to lawful requests;
• preserving business records;
• resolving disputes.

5. Cookies and Similar Technologies

CLS Money Y uses cookies, pixels, local storage objects, and related technologies to improve functionality, maintain security, analyze traffic, and better understand visitor behavior on the Site.

We currently use the following categories:

Essential Cookies

These are required for the Site to function properly and may be used to:

• maintain core website functionality;
• preserve temporary session information;
• remember form progress;
• prevent spam and bot abuse;
• support infrastructure reliability.

Analytics Cookies

These help us understand how visitors use the Site by collecting:

• pages viewed;
• click behavior;
• time spent on pages;
• referral sources;
• browsing patterns.

Performance and Measurement Technologies

These help evaluate:

• loading speed;
• system responsiveness;
• rendering issues;
• form completion performance.

Functional Cookies

These may remember:

• selected tabs or categories;
• dismissed notices;
• interface preferences.

Managing Cookies

Most browsers allow users to:

• delete cookies;
• block future cookies;
• receive alerts before cookie placement.

Disabling cookies may impact functionality.

6. Sharing of Information

We do not sell personal information for direct monetary compensation.

We may disclose information to:

Partner Providers

If you proceed with an offer or application (including through our App or by clicking out from the Site), relevant matching data may be shared.

Service Providers

Including:

• hosting providers;
• analytics providers;
• email services;
• security vendors;
• fraud prevention vendors.

Legal and Safety

To comply with:

• subpoenas;
• court orders;
• lawful regulatory requests;
• fraud investigations.

Business Transfers

Information may transfer in connection with:

• mergers;
• acquisitions;
• restructuring;
• asset sales.

7. Data Retention

We retain personal information only as long as reasonably necessary.

Retention periods depend on:

• service requirements;
• legal obligations;
• fraud prevention needs;
• dispute resolution.

Matching details and contact information are generally retained for up to 36 months after last interaction.

Aggregated or de-identified data may be retained indefinitely.

8. Data Security

We use commercially reasonable safeguards including:

• TLS encryption in transit;
• encryption at rest where applicable;
• access controls;
• internal permission restrictions.

No system is completely secure.

Where legally required, affected users will be notified following reportable security incidents.

9. Your Privacy Rights

Depending on applicable law, users may have rights including:

• access;
• correction;
• deletion;
• portability;
• opt-out rights;
• non-discrimination.

To submit a privacy request:

Email: [email protected]
Subject Line: Privacy Request

Residents of other states with applicable comprehensive privacy laws (including, without limitation, Virginia, Texas, Connecticut, and other states with similar consumer privacy statutes) may submit privacy requests using the same contact information and subject line above.

10. California Privacy Rights

California residents may have rights under:

• CCPA
• CPRA

California users may review: Do Not Sell or Share My Personal Information.

California residents may submit verifiable consumer requests under the CCPA or CPRA using the contact information in Section 17 (Contact Us).

11. Nevada Residents

Nevada residents may submit opt-out requests to: [email protected]

Subject: Nevada Privacy Request

12. Colorado Privacy Rights

If you are a Colorado resident, the Colorado Privacy Act (CPA) may provide you with rights to access, correct, delete, obtain a portable copy of, and opt out of the processing of your personal data for purposes of sale, targeted advertising, or profiling in certain circumstances. Colorado residents may exercise these rights, where applicable, by contacting us at [email protected] with the subject line "Colorado Privacy Request." We will respond in accordance with applicable law.

13. Communications Consent

By submitting forms on the Site or in the App, you acknowledge you are requesting financial comparison or referral services where applicable.

Where applicable, you may receive:

• emails;
• service notifications;
• SMS communications if phone information is provided and you have given appropriate consent.

TCPA and text messages. Where we send marketing or promotional text messages that may be subject to the Telephone Consumer Protection Act (TCPA), we obtain prior express written consent (which may include electronic consent) before sending autodialed or prerecorded marketing texts to your number, where required by law. Consent to marketing texts is not required as a condition of purchasing or receiving any non-marketing service we offer, to the extent prohibited by applicable law. Message frequency varies. You may opt out of marketing SMS by following instructions in the messages (for example, replying STOP) or by contacting us at [email protected]. Operational or transactional messages may be sent where permitted without separate marketing consent.

Message and data rates may apply.

14. Children's Privacy

The Site is intended only for adults age 18 or older.

We do not knowingly collect personal information from individuals under 18.

15. International Users

CLS Money Y services are intended for users in the United States.

If you access the Site from outside the US, information may be transferred to and processed in the United States.

16. Changes to This Privacy Notice

We may revise this Privacy Notice periodically.

Updated versions will be posted on this page with revised effective dates.

17. Contact Us

CLS Money Y LLC
728 Bennett Ave, Colorado Springs, CO 80909-4910
United States

Email: [email protected]