Privacy Policy || DahFinanceLLC || Your trusted lending partner

1. Introduction

Welcome to DahFinanceLLC. We are committed to protecting your personal information and your right to privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website and use our loan services.

Please read this Privacy Policy carefully. By accessing or using our services, you acknowledge that you have read, understood, and agree to be bound by the terms of this Privacy Policy. If you do not agree with our policies and practices, please do not use our services.

2. Information We Collect

We collect information that you provide directly to us, including:

Personal Information

Full name, date of birth, and contact information (email address, phone number, mailing address)
Social Security Number or government-issued identification numbers
Employment information (employer name, job title, income, employment history)
Financial information (bank account details, credit history, existing debts)
Residential information (current address, housing status, monthly rent/mortgage)

Documents

Government-issued photo identification
Proof of income (pay stubs, tax returns, bank statements)
Proof of residence (utility bills, lease agreements)
Any additional documents required for loan processing

Automatically Collected Information

Device information (IP address, browser type, operating system)
Usage data (pages visited, time spent on site, click patterns)
Cookies and similar tracking technologies
Location data (with your consent)

3. How We Use Your Information

We use the information we collect for the following purposes:

Loan Processing: To evaluate your loan application, verify your identity, assess creditworthiness, and process loan disbursements
Account Management: To create and manage your account, provide customer support, and communicate with you about your application status
Legal Compliance: To comply with applicable laws, regulations, and legal processes, including anti-money laundering (AML) and Know Your Customer (KYC) requirements
Fraud Prevention: To detect, prevent, and investigate fraudulent transactions and protect against illegal activities
Service Improvement: To analyze usage patterns, improve our services, and develop new features
Communication: To send you important updates, promotional materials (with your consent), and respond to your inquiries
Credit Reporting: To report your payment history to credit bureaus as required by law

4. Information Sharing and Disclosure

We may share your personal information in the following circumstances:

Service Providers: With third-party vendors who assist us in providing our services (payment processors, identity verification services, cloud storage providers)
Credit Bureaus: With credit reporting agencies to obtain credit reports and report loan payment history
Financial Partners: With lending partners, investors, or financial institutions involved in funding or servicing your loan
Legal Requirements: When required by law, court order, or government regulation
Business Transfers: In connection with a merger, acquisition, or sale of all or a portion of our assets
With Your Consent: When you have given us explicit permission to share your information

We do not sell your personal information to third parties for marketing purposes.

5. Data Security

We implement industry-standard security measures to protect your personal information, including:

256-bit SSL/TLS encryption for all data transmission
Secure data storage with encryption at rest
Multi-factor authentication for account access
Regular security audits and vulnerability assessments
Employee training on data protection and privacy practices
Access controls limiting employee access to personal information on a need-to-know basis

While we strive to protect your personal information, no method of transmission over the Internet or electronic storage is 100% secure. We cannot guarantee absolute security.

6. Data Retention

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. This includes:

Active loan accounts: Throughout the life of the loan plus any applicable statute of limitations period
Closed accounts: Up to 7 years after account closure for regulatory compliance
Declined applications: Up to 2 years for fraud prevention purposes
Marketing preferences: Until you opt out or withdraw consent

7. Your Rights and Choices

Depending on your location, you may have the following rights regarding your personal information:

Access: Request a copy of the personal information we hold about you
Correction: Request correction of inaccurate or incomplete information
Deletion: Request deletion of your personal information (subject to legal retention requirements)
Portability: Request transfer of your data to another service provider
Opt-Out: Unsubscribe from marketing communications at any time
Restrict Processing: Request limitation of how we use your data
Withdraw Consent: Withdraw previously given consent for data processing

To exercise any of these rights, please contact us using the information provided at the end of this policy.

8. Cookies and Tracking Technologies

We use cookies and similar tracking technologies to enhance your experience on our website. These include:

Essential Cookies: Required for the website to function properly (session management, security)
Analytics Cookies: Help us understand how visitors interact with our website
Functional Cookies: Remember your preferences and settings
Marketing Cookies: Used to deliver relevant advertisements (with your consent)

You can control cookies through your browser settings. However, disabling certain cookies may affect the functionality of our website.

9. Third-Party Links

Our website may contain links to third-party websites or services. We are not responsible for the privacy practices of these external sites. We encourage you to review the privacy policies of any third-party sites you visit.

10. Children's Privacy

Our services are not intended for individuals under the age of 18. We do not knowingly collect personal information from minors. If we become aware that we have collected personal information from a child under 18, we will take steps to delete such information promptly.

11. International Data Transfers

Your information may be transferred to, stored, and processed in countries other than your country of residence. These countries may have different data protection laws. By using our services, you consent to the transfer of your information to these countries. We ensure appropriate safeguards are in place to protect your data during such transfers.

12. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or for other operational, legal, or regulatory reasons. We will notify you of any material changes by posting the updated policy on this page with a new "Last Updated" date. We encourage you to review this Privacy Policy periodically.

Privacy Policy