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California Personal Information Collection Notice

Last Updated: July 27, 2026

Notice at Collection

This Notice at Collection is provided by Cash Loans Bear LLC ("Cash Loans Bear," "we," "us," or "our") pursuant to the California Consumer Privacy Act (CCPA) and the California Privacy Rights Act (CPRA). It describes the categories of personal information we collect about California residents, the purposes for which we use it, how long we retain it, and the rights you have under California law.

1. Categories of Personal Information We Collect

We collect the following categories of personal information from California residents:

  • Identifiers: Name, postal address, email address, telephone number, IP address, and other similar identifiers.
  • Customer records information: Loan amount requested, transaction history, and communication records.
  • Financial information: Income, employment information, and bank account details (if provided to a lender).
  • Internet or other electronic network activity information: Browsing history, pages visited, search queries, and interaction data on our Site.
  • Geolocation data: Approximate location derived from IP address.
  • Device and hardware information: Device type, operating system, browser type, and unique device identifiers.
  • Inferences: Inferences drawn from the above information to create a profile about your preferences and characteristics.

2. Sensitive Personal Information

We may collect limited sensitive personal information as defined under CPRA, including:

  • Government identifiers (such as Social Security number) — only when required by a lender to process a loan request.
  • Financial account information — only when voluntarily provided to facilitate loan matching.

We do not use sensitive personal information for purposes other than those necessary to provide the loan-matching service you requested. You have the right to limit the use of your sensitive personal information.

3. Purposes of Collection

We collect and use your personal information for the following purposes:

  • To match you with lenders in our network based on your loan request.
  • To verify your identity and prevent fraud.
  • To communicate with you about your loan request and related services.
  • To comply with legal, regulatory, and contractual obligations.
  • To improve our Site, services, and user experience.
  • To send marketing communications where you have provided consent.

4. Sources of Information

We collect personal information directly from you when you submit forms on our Site, interact with our Site (through cookies and similar technologies), or communicate with us. We may also receive information from our lending partners and service providers.

5. Data Retention

We retain your personal information for as long as necessary to fulfill the purposes described in this notice, unless a longer retention period is required by law. Loan request data is typically retained for up to 24 months after your last interaction with our Site. Sensitive personal information is deleted as soon as it is no longer needed for the purpose for which it was collected.

6. Your California Privacy Rights

As a California resident, you have the following rights under CCPA/CPRA:

  • Right to know: Request that we disclose the categories and specific pieces of personal information we have collected about you.
  • Right to delete: Request that we delete your personal information, subject to certain exceptions.
  • Right to correct: Request that we correct inaccurate personal information.
  • Right to opt out of sale or sharing: Request that we not sell or share your personal information for cross-context behavioral advertising.
  • Right to limit use of sensitive personal information: Request that we limit the use of your sensitive personal information to purposes necessary to perform the services you requested.
  • Right to non-discrimination: You will not be discriminated against for exercising your privacy rights.

7. Exercising Your Rights

To exercise any of your California privacy rights, you may:

We will verify your identity before processing your request. For requests to delete, correct, or access your information, we will need to confirm your identity using the email address or phone number associated with your account.

8. Authorized Agent

You may designate an authorized agent to submit a request on your behalf. To do so, the authorized agent must provide us with written authorization from you and verify their own identity with us.

9. Data Sharing and Sale

We do not sell your personal information as defined under CCPA/CPRA. We do not disclose personal information for cross-context behavioral advertising. We do share personal information with lenders in our network and service providers for the purposes described in this notice. For more details, see our Privacy Statement.

10. Contact Us

If you have questions about this Notice at Collection, please contact us:

  • Email: support@bearlendnow.com
  • Address: Cash Loans Bear LLC, 100 S. Main Street, Suite 500, Los Angeles, CA 90012
  • Hours: Mon – Fri, 8:00 AM – 8:00 PM EST
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