Privacy Policy

1. Who This Policy Applies To

This Policy applies to visitors to the MoneyPal website, applicants, account holders, users of the MoneyPal mobile application, users of MoneyPal Advance, users of MoneyPal Intelligence, individuals who communicate with MoneyPal through support channels, and persons whose information is provided to MoneyPal in connection with identity verification, payment processing, fraud prevention, compliance review, or lawful business operations.

MoneyPal's products are intended for adults located in the United States and made available only where permitted under applicable law and Company eligibility rules. According to MoneyPal's current Terms and Conditions, MoneyPal Advance is currently offered only in Florida, Texas, Illinois, Arizona, Georgia, North Carolina, Arkansas, Louisiana, Tennessee, Alabama, Idaho, Montana, and Virginia, while some membership or non-Advance features may be available more broadly.

2. Information MoneyPal Collects

MoneyPal may collect personal information directly from users, automatically from devices and websites, from linked financial accounts, from service providers, and from lawful third-party sources. The specific information collected depends on how a person interacts with MoneyPal, the products used, legal requirements, and the permissions granted by the user.

A. Information provided directly by users

MoneyPal may collect the following categories of information when users create an account, apply for services, subscribe to membership features, contact support, request an advance, use MoneyPal Intelligence, or submit a privacy request:

• Full name.
• Residential and mailing address.
• Email address and telephone number.
• Date of birth.
• Social Security number or other government identifier, where required.
• Employment and income information.
• Account credentials and authentication information.
• Payment method details.
• Communications, support messages, complaints, or dispute records.
• Records related to consents, authorizations, disclosures, and acknowledgments.

B. Financial account and transaction information

If a user chooses to link a bank or other eligible financial account, MoneyPal and its authorized service providers may collect information reasonably necessary to provide services such as eligibility review, EWA disbursement, repayment processing, cash-flow analysis, account verification, and fraud detection. According to the current Terms and Conditions, this may include account balances, transaction histories, deposit and withdrawal activity, recurring obligations, income flow patterns, payroll-related deposits, and related metadata from linked accounts.

C. Device, app, and website usage information

When users access MoneyPal's website or app, MoneyPal may automatically collect technical and usage information such as:

• IP address.
• Device identifiers.
• Browser type and operating system.
• Mobile carrier and device settings.
• App activity and website interactions.
• Cookies, pixels, SDK signals, and similar technologies.
• Diagnostic, crash, performance, and security logs.
• Approximate location inferred from IP address or device settings where permitted.

D. Information from service providers and third parties

MoneyPal may receive information from service providers and business partners that support lawful operations, such as identity verification vendors, payments processors, banking connectivity providers, anti-fraud tools, customer support platforms, analytics providers, or entities involved in compliance screening. MoneyPal's current Terms and Conditions specifically reference third-party data aggregation and payment processing relationships, including Plaid and Authorize.Net, as part of product delivery and repayment operations.

3. How MoneyPal Uses Personal Information

MoneyPal uses personal information for legitimate business, contractual, legal, and operational purposes associated with providing and maintaining its financial services and digital experiences. Financial app privacy disclosures are expected to explain what data is collected, why it is used, which third parties receive it, and what user controls are available.

MoneyPal may use personal information to:

• Create, maintain, and administer user accounts.
• Verify identity, eligibility, residency, and account ownership.
• Provide MoneyPal Advance and related transaction services.
• Evaluate eligibility using income and cash-flow information from linked accounts.
• Provide MoneyPal Intelligence insights, budgeting features, and financial activity analysis.
• Process payments, debits, credits, refunds, and membership charges.
• Detect, investigate, prevent, and respond to fraud, security incidents, abuse, and unauthorized transactions.
• Comply with legal, regulatory, audit, recordkeeping, and law-enforcement obligations.
• Communicate about accounts, disclosures, product updates, servicing, and support matters.
• Improve app performance, website functionality, product features, customer experience, and risk controls.
• Enforce contracts, resolve disputes, and protect the rights, safety, and property of MoneyPal, users, service providers, and the public.

MoneyPal may also use de-identified or aggregated information for analytics, service improvement, business planning, and reporting, provided the information cannot reasonably be used to identify an individual. Where required by law, MoneyPal will not use personal information for materially different purposes without providing an additional notice or obtaining consent.

4. How MoneyPal Shares Information

MoneyPal does not sell personal information for money. MoneyPal's current Terms and Conditions state that user financial data is not sold, leased, rented, or commercially exploited for money and is used for internal service provision, compliance, fraud prevention, and lawful operational purposes unless otherwise required by law or authorized by the user.

MoneyPal may share personal information in the following circumstances:

A. Service providers and processors

MoneyPal may share information with vendors and service providers that perform services on its behalf, such as cloud hosting, data storage, identity verification, payment processing, open banking connectivity, analytics, communications delivery, customer support, fraud monitoring, security operations, document retention, and regulatory compliance support. Google Play policy requires app privacy policies to disclose handling and sharing practices, including those involving third-party SDKs or providers.

B. Financial and payments operations

MoneyPal may share data with payment processors, banks, card networks, ACH participants, and financial connectivity partners as needed to disburse funds, validate accounts, process repayments, reduce transaction risk, or investigate payment disputes. MoneyPal's current Terms mention use of authorized payment processing partners and linked-account integrations in connection with advance funding and repayment.

C. Corporate affiliates and business transfers

MoneyPal may share information with current or future affiliates under common control for internal administrative, servicing, compliance, risk management, audit, fraud prevention, and product support purposes, subject to applicable law. If MoneyPal is involved in a merger, acquisition, financing, reorganization, asset sale, bankruptcy, or similar transaction, personal information may be disclosed as part of due diligence or transferred as a business asset, subject to confidentiality and legal restrictions.

D. Legal, regulatory, and protection-related disclosures

MoneyPal may disclose information to courts, regulators, law enforcement, government authorities, auditors, or other parties when reasonably necessary to comply with law, legal process, examination requests, subpoena, reporting obligations, or to protect against fraud, security threats, or unlawful conduct. GLBA privacy notice guidance specifically contemplates disclosures for everyday business purposes such as processing transactions, maintaining accounts, responding to court orders and legal investigations, and reporting as required by law.

E. With user direction or consent

MoneyPal may share information when a user directs it to do so, authorizes a specific integration, or affirmatively consents to a disclosure. For example, a user may authorize bank-linking providers or other support features that require data exchange to function.

5. Cookies and Tracking Technologies

MoneyPal may use cookies, pixels, local storage, software development kits, session replay controls, and similar technologies on its website and app to operate services, remember settings, authenticate users, measure engagement, troubleshoot issues, secure accounts, and improve performance. App and platform operators are expected to disclose collection and use of data from both first-party functionality and third-party code integrated into the app.

Where required by applicable law, MoneyPal will provide appropriate cookie disclosures or consent tools. Users may be able to manage certain browser- or device-based tracking controls through browser settings, mobile operating system permissions, or in-app choices, though disabling some tools may affect functionality.

6. Financial Privacy Notices Under U.S. Law

Because MoneyPal operates a financial-services platform, some personal information may also be treated as nonpublic personal information under the Gramm-Leach-Bliley Act (GLBA) and related privacy rules. GLBA requires covered financial institutions to provide privacy notices describing information-sharing practices and, in some cases, a consumer's right to limit certain sharing with nonaffiliated third parties.

Federal model privacy notice guidance explains that financial institutions may collect and share information such as Social Security number, account balances, payment history, credit history, and credit scores depending on the product or service involved. The same model framework also identifies common sharing purposes, such as processing transactions, maintaining accounts, responding to legal investigations, or marketing the institution's own products and services.

If MoneyPal is required to provide a GLBA or Regulation P privacy notice separate from or in addition to this Policy, MoneyPal may deliver that notice at account opening, in-app, by email, on the website, or through another legally permitted method. In the event of any conflict between a mandatory statutory privacy notice and this general website-and-app Privacy Policy, the statutory notice will control to the extent required by law.

7. Data Retention

MoneyPal retains personal information for as long as reasonably necessary to provide services, maintain accounts, comply with legal and regulatory obligations, resolve disputes, enforce agreements, prevent fraud, support audits, and preserve business records. Google Play guidance states that privacy policies for apps handling personal and sensitive data should disclose retention and deletion practices.

According to MoneyPal's current Terms and Conditions, previously collected data may continue to be retained after a user revokes ongoing account access if retention is required for legal, regulatory, servicing, fraud-prevention, or operational reasons. The Terms also state that requests for permanent deletion are subject to identity verification, outstanding financial obligations, and mandatory retention requirements.

8. Security Practices

MoneyPal maintains administrative, technical, and physical safeguards designed to protect personal information from unauthorized access, destruction, loss, alteration, misuse, or disclosure. The FTC Safeguards Rule requires covered financial institutions to develop, implement, and maintain an information security program with protections appropriate to the sensitivity of customer information.

MoneyPal's current Terms and Conditions state that personal and financial data is protected using encryption in transit and at rest and other industry-standard security practices. Federal model privacy notice guidance similarly states that financial institutions should use security measures that comply with federal law, including computer safeguards and secured files and buildings.

No security program can guarantee absolute security, and users should also help protect their information by using strong credentials, securing devices, monitoring account activity, and notifying MoneyPal promptly about suspected unauthorized activity. MoneyPal's Terms require users to report anomalies, suspicious activity, chargebacks, ACH disputes, or potential identity compromise as soon as they become aware of them.

9. User Choices and Rights

Users may have privacy choices and rights depending on the product used, state of residence, and applicable law. Those rights may include the ability to access, correct, delete, or limit certain uses of personal information, as well as rights related to marketing communications, cookies, or sharing practices governed by financial privacy laws.

A. Account-linking consent

Users may revoke consent for future retrieval of linked financial account data by disconnecting accounts within the app or by contacting MoneyPal, although previously collected data may still be retained and used where legally permitted or required. MoneyPal's current Terms state that revoking consent stops future retrieval of new data but does not necessarily require deletion of information already collected.

B. Access, correction, and deletion requests

Users may request access to certain personal information, request correction of inaccurate information, or request deletion where available under applicable law. MoneyPal's current Terms provide that written deletion requests will be processed subject to identity verification, outstanding obligations, and legal retention requirements, and that MoneyPal will respond within 45 days or sooner where required by law.

C. Marketing and communications preferences

Users may opt out of non-essential promotional emails by using unsubscribe tools in the message or by contacting MoneyPal. MoneyPal may still send transactional or relationship messages, such as account notices, legal disclosures, payment confirmations, fraud alerts, and support communications, when necessary to service an account or comply with law.

D. GLBA opt-out rights where applicable

Federal law gives consumers the right to limit some, but not all, sharing of information by financial companies. The availability of any GLBA-related opt-out right depends on the reason for sharing and whether an exception applies under federal law.

E. State-specific rights

Residents of certain states may have additional rights under state privacy laws, subject to exemptions and limitations for financial institutions and data regulated by federal financial privacy laws. MoneyPal may provide supplemental notices or request-submission methods where such laws apply.

10. Children's Privacy

MoneyPal's services are intended for adults and are not directed to children under 18. MoneyPal's current Terms state that users must be at least 18 years old to use the app and related earned wage access services.

If MoneyPal learns that personal information has been collected from a person who is not legally eligible to use the service without appropriate authorization, MoneyPal may take steps to delete the information, close the account, or otherwise address the issue in accordance with law and internal policy.

11. Third-Party Services and External Links

MoneyPal's website or app may include links to third-party websites, integrations, or tools that are governed by their own terms and privacy policies. When users choose to interact with third-party services such as banking connectivity or payment providers, those providers may independently collect and process personal information under their own policies.

MoneyPal is not responsible for the content, privacy practices, or security of unaffiliated third parties except as required by law or by contractual commitments applicable to MoneyPal's own service providers. Users should review the privacy policies of third-party services before submitting information to them.

12. Notice to California and Other State Residents

Depending on a user's state of residence, MoneyPal may be required to provide additional disclosures about categories of information collected, sources, purposes, retention periods, rights, methods for submitting requests, and appeal rights. Some state privacy laws include exemptions for data or entities regulated by GLBA, but those exemptions do not always apply to all data-processing activities.

Where state law requires supplemental disclosure, MoneyPal may publish an additional state privacy notice or incorporate a state-specific section into this Policy. MoneyPal may also verify the identity of a requestor before acting on privacy rights requests, consistent with legal obligations and fraud-prevention needs.

13. Data Protection and Incident Response

MoneyPal maintains procedures intended to detect, investigate, contain, and respond to security incidents involving personal information. The FTC Safeguards Rule and related federal guidance require covered institutions to implement and maintain an information security program to protect customer information.

If MoneyPal determines that a breach or unauthorized disclosure has occurred, MoneyPal may notify affected individuals, regulators, law enforcement, or other parties as required by applicable federal and state law. MoneyPal's current Terms reference data breach notification protocols and cybersecurity controls for service providers involved in linked-account access.

14. International Access

MoneyPal's services are intended primarily for users in the United States. If a person accesses the website or app from outside the United States, that person acknowledges that information may be transferred to, stored in, and processed in the United States or other jurisdictions where MoneyPal or its service providers operate, subject to applicable law.

15. Changes to This Policy

MoneyPal may update this Privacy Policy from time to time to reflect changes in law, regulation, product features, service providers, security practices, or data-processing activities. MoneyPal's current Terms state that material changes to legal terms may be communicated through the app, email, or other reasonable means and may include advance notice when required by law.

The updated version will be posted with a revised effective date, and where required, MoneyPal may provide additional notice or obtain consent before the changes become effective. Continued use of MoneyPal after the effective date of an updated Privacy Policy may constitute acceptance to the extent permitted by law.

16. Contact MoneyPal

Questions, requests, or complaints regarding this Privacy Policy or MoneyPal’s privacy practices may be directed to:

MoneyPal LLC
Miami, Florida, United States
Privacy: privacy@moneypalcash.com
Support: support@moneypalcash.com

MoneyPal may request information necessary to verify identity before responding to privacy requests, account-specific inquiries, or deletion requests. This helps protect users and the Company from unauthorized disclosures or fraudulent requests.

17. Short-Form Website and App Disclosure

For convenience, MoneyPal may also display a short-form notice in the app or on the website stating the following:

• MoneyPal collects personal, financial, device, and usage information to provide earned wage access, financial insights, support, fraud prevention, payments, compliance, and account security.
• MoneyPal may share information with service providers, payment processors, banking connectivity providers, legal authorities, and others as necessary to operate the service and comply with law.
• MoneyPal does not sell personal financial information for money.
• Users may disconnect linked accounts and may submit privacy requests through the designated privacy contact channel, subject to verification and legal retention obligations.

Related documents

• Terms and Conditions
• Advance Terms
• Licenses & Disclosures
• Cookie Preferences