Summary: ActiveHours collects only the personal and financial information needed to evaluate and process your loan. We do not sell your data to marketers or data brokers. We use bank-grade encryption and comply with GLBA. You have rights over your data. Details below.
1. Overview
ActiveHours LLC ("ActiveHours," "we," "us," or "our") operates the website activehours.us and provides short-term consumer loans to eligible US residents. This Privacy Policy describes how we collect, use, disclose, and protect the personal information of our website visitors and loan applicants ("you" or "consumer").
By using our website or submitting a loan application, you acknowledge that you have read and understood this Privacy Policy. If you do not agree, please do not use our website or services.
This policy applies to information collected through activehours.us and through direct interactions with our customer service team. It does not apply to third-party websites linked from our site.
2. Information We Collect
2.1 Information You Provide Directly
When you apply for a loan or contact us, we collect:
| Category | Examples | Purpose |
|---|---|---|
| Identity | Full name, date of birth, Social Security Number | Identity verification, legal compliance |
| Contact | Address, email, phone number | Communication, account management |
| Financial | Income, employer, bank account number, routing number | Loan underwriting, fund disbursement, repayment |
| Government ID | Driver's license or state ID number, state of issue | Identity verification, legal compliance |
2.2 Information Collected Automatically
When you visit our website, we automatically collect certain technical data including: IP address, browser type and version, operating system, referring URL, pages visited, time spent on pages, and device identifiers. This is collected via cookies and server logs.
2.3 Information from Third Parties
We may receive information from credit reporting agencies (soft inquiry only), identity verification services, and fraud prevention databases to evaluate your application and comply with federal law.
3. How We Use Your Information
We use the information we collect for the following purposes:
- Loan processing: To evaluate your application, make a credit decision, disburse funds, and collect repayment.
- Identity verification: To confirm you are who you say you are and prevent fraud.
- Legal compliance: To comply with applicable federal and state laws, including TILA, ECOA, BSA/AML, and GLBA.
- Customer service: To respond to your inquiries, complaints, and account requests.
- Account communications: To send you loan confirmation, payment reminders, and important account notices.
- Fraud prevention: To detect, investigate, and prevent fraudulent transactions and identity theft.
- Service improvement: To analyze usage patterns and improve our website and loan products (using aggregated, de-identified data).
- Legal proceedings: To enforce our loan agreements and defend against legal claims.
We do not use your personal data for advertising targeting, cross-selling unrelated products, or sale to data brokers. We do not send you unsolicited marketing emails unless you have opted in.
4. Information Sharing and Disclosure
ActiveHours does not sell your personal information. We share information only in the following circumstances:
4.1 Service Providers
We share information with third-party service providers that assist us in operating our business, including: payment processors (ACH network), identity verification providers, credit bureaus (for soft inquiries), fraud detection services, IT and hosting providers, and customer service platforms. All service providers are contractually bound to protect your data and use it only for the services they provide to us.
4.2 Legal Requirements
We may disclose information when required by law, including responses to: court orders, subpoenas, government agency requests, regulatory examinations, or other legal process.
4.3 Business Transfers
If ActiveHours is acquired, merged, or undergoes a change of control, your information may be transferred to the successor entity. You will be notified via email or a prominent notice on our website of any such change and your choices regarding your information.
4.4 With Your Consent
We may share your information with third parties when you have provided explicit written consent for a specific disclosure.
4.5 Fraud and Safety
We may share information with law enforcement, regulators, or other parties when we believe disclosure is necessary to prevent fraud, protect our rights, or protect the safety of our customers or the public.
5. Data Security
ActiveHours employs industry-standard security measures to protect your personal and financial information:
- 256-bit SSL/TLS encryption for all data transmitted through our website
- Encrypted data storage for sensitive fields including SSN and bank account numbers
- Access controls: Only employees with a direct need access personal data, and all access is logged
- Regular security assessments and penetration testing
- Incident response plan in compliance with applicable state data breach notification laws
No method of electronic transmission or storage is 100% secure. While we use commercially reasonable measures to protect your information, we cannot guarantee absolute security. If you believe your account has been compromised, contact us immediately at support@activehours.us.
6. Data Retention
We retain your personal information for as long as necessary to fulfill the purposes described in this policy and to comply with legal obligations. Specifically:
- Loan application and account data: retained for a minimum of 5 years from the date of last activity, per financial recordkeeping requirements
- Identity verification records: retained as required by BSA/AML regulations (minimum 5 years)
- Customer service communications: retained for 3 years
- Website analytics data (anonymized): retained for 2 years
When your data is no longer required, it is securely deleted or anonymized in accordance with our data retention schedule.
7. Your Privacy Rights
Depending on your state of residence, you may have certain rights regarding your personal information:
7.1 Right to Access
You may request a copy of the personal information we hold about you. We will respond within 30 days of a verified request.
7.2 Right to Correction
You may request correction of inaccurate personal information. If we used inaccurate data to make a credit decision, we will re-evaluate your application upon correction.
7.3 Right to Opt Out of Non-Essential Communications
You may opt out of promotional emails at any time by clicking "unsubscribe" in any marketing email or by contacting us. Note: you cannot opt out of transactional communications (loan confirmations, payment reminders, account notices) while you have an active account.
7.4 California Residents (CCPA)
California consumers have additional rights under the California Consumer Privacy Act (CCPA), including the right to know, delete, and opt out of sale of personal information. ActiveHours does not sell personal information. To submit a CCPA request, contact us at privacy@activehours.us.
7.5 To Exercise Your Rights
Submit a request to privacy@activehours.us or call +1 (888) 555-0195. We will verify your identity before processing your request. We respond within 30 days.
8. Cookies and Tracking Technologies
Our website uses cookies and similar technologies. We use:
- Essential cookies: Required for website functionality and security (session management, CSRF protection). Cannot be disabled.
- Analytics cookies: Help us understand how visitors use our site (e.g., Google Analytics). Data is aggregated and anonymized. You may opt out via your browser settings.
- Functional cookies: Remember your preferences (e.g., loan calculator values).
We do not use third-party advertising or retargeting cookies. You can control cookies through your browser settings. Disabling essential cookies will impair site functionality.
9. Children's Privacy
Our services are available only to persons who are at least 18 years of age. We do not knowingly collect personal information from anyone under 18. If we learn we have collected data from a minor, we will delete it immediately. If you believe a minor has submitted information to us, contact us at privacy@activehours.us.
10. Fair Credit Reporting Act (FCRA) Notice
ActiveHours may obtain consumer report information from consumer reporting agencies in connection with your loan application. We perform a soft inquiry only, which does not affect your credit score.
Under the FCRA, you have the right to: know if information in your file has been used against you; know what is in your file; dispute inaccurate information; and seek damages from violators.
If your application is denied based on information in a consumer report, we will provide you with an adverse action notice identifying the reporting agency, so you can obtain a free copy of your report and dispute any inaccuracies.
For more information about your FCRA rights, visit the Consumer Financial Protection Bureau at consumerfinance.gov or the Federal Trade Commission at ftc.gov.
11. Gramm-Leach-Bliley Act (GLBA) Privacy Notice
As a financial institution, ActiveHours LLC is required to provide you with this privacy notice under the Gramm-Leach-Bliley Act (GLBA).
Why We Share Your Information
Financial companies like ActiveHours choose how they share your personal information. Federal law gives consumers the right to limit some, but not all, sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information.
| Reason We Can Share | Do We Share? | Can You Limit? |
|---|---|---|
| For everyday business purposes (process transactions, maintain your account) | Yes | No |
| For our marketing | No | N/A |
| For joint marketing with other financial companies | No | N/A |
| For affiliates' everyday business purposes | No | N/A |
| For non-affiliates to market to you | No | N/A |
To limit our sharing: Call us at +1 (888) 555-0195 or email privacy@activehours.us.
12. Changes to This Policy
We may update this Privacy Policy from time to time to reflect changes in our practices, legal requirements, or business operations. When we make material changes, we will:
- Update the "Last Updated" date at the top of this page
- Post a prominent notice on our website
- If you have an active account, notify you by email
Your continued use of our website after any changes constitutes your acceptance of the updated policy. We encourage you to review this page periodically.
13. Contact Us
If you have questions about this Privacy Policy, your rights, or our data practices, contact us:
- Email: privacy@activehours.us
- Phone: +1 (888) 555-0195 (Mon–Fri 8AM–8PM ET)
- Mail: ActiveHours LLC, Attn: Privacy Officer, 1234 Financial Ave Suite 500, Wilmington DE 19801
You may also file a complaint with the Consumer Financial Protection Bureau (CFPB) at consumerfinance.gov or call 1-855-411-2372.