Privacy Policy

Effective Date: January 1, 2026

At Just Finance, we take the privacy and security of your personal information seriously. This Privacy Policy explains how Just Finance, Inc. and its affiliates collect, use, share, and protect your information when you use our website, mobile app, and financial products.

1. Information We Collect

We collect information you provide directly to us, such as your name, email address, phone number, date of birth, Social Security number, financial information, and employment details when you apply for our products. We also automatically collect certain information when you use our services, including IP address, browser type, device identifiers, and usage data.

2. How We Use Your Information

We use the information we collect to process your applications and provide our financial products, verify your identity and prevent fraud, communicate with you about your account and our products, personalize your experience, comply with legal obligations, and improve our services.

3. Information Sharing

We do not sell your personal information to third parties. We may share your information with service providers who assist in our operations, bank partners who provide the underlying financial products, credit bureaus and reporting agencies, and as required by law or legal process. All third parties are required to maintain the confidentiality and security of your information.

4. Credit Reporting

If you obtain a loan or credit product through Just Finance, we may report your account information to one or more consumer reporting agencies. This includes positive payment history as well as delinquencies, if any.

5. Data Security

We implement industry-standard security measures to protect your personal information, including 256-bit SSL/TLS encryption for data in transit, AES-256 encryption for data at rest, multi-factor authentication options, regular security audits and penetration testing, and strict access controls for employee data access.

6. Cookies and Tracking

We use cookies and similar tracking technologies to enhance your experience on our website, analyze usage patterns, and serve relevant advertising. You can control cookie settings through your browser, though disabling cookies may affect certain features of our services.

7. Your Rights and Choices

Depending on your location, you may have rights to access, correct, delete, or port your personal data; opt out of certain data sharing; and request information about how your data is used. California residents have additional rights under the California Consumer Privacy Act (CCPA), including the right to know, the right to delete, and the right to opt-out of the sale of personal information.

8. Do Not Sell My Information

California residents may opt out of the sale of their personal information by contacting us at privacy@justfinance.com or by submitting a request through our website. We do not sell personal information as defined by CCPA.

9. Data Retention

We retain your personal information for as long as necessary to provide our services, comply with legal obligations, resolve disputes, and enforce our agreements. When we no longer need your information, we securely delete or anonymize it.

10. Children's Privacy

Our services are not directed to individuals under the age of 18. We do not knowingly collect personal information from children. If we become aware that a child has provided us with personal information, we will take steps to delete such information.

11. Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of material changes by posting the new policy on our website and updating the effective date. Your continued use of our services after changes are posted constitutes your acceptance of the updated policy.

12. Contact Us

If you have questions, concerns, or requests regarding this Privacy Policy or our data practices, please contact our Privacy Team at privacy@justfinance.com, or by mail at Just Finance, Inc., Attn: Privacy Team, 275 Battery Street, 23rd Floor, San Francisco, CA 94111.