Privacy Policy

PS Finance – Privacy Policy

Last updated: May 2, 2025

PS Finance (“PS Finance,” “we,” “us,” or “our“) respects your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard information when you visit psfinance.com, any related sub‑domains, or use our online Application Portal and Attorney Partnership Portal (collectively, the “Site“). It also describes your choices regarding use, access, and correction of your personal information.

1. Information We Collect

1.1 Information You Provide Directly

  • Funding or Partnership Application Data – name, mailing address, email, telephone number, date of birth, Social Security number (last four digits), attorney contact information, case facts, claimed damages, and requested advance amount.

  • Account Credentials (Attorney Portal) – username, password, bar number, and firm details.

  • Communications – inquiries, survey responses, RingCentral SMS messages, call recordings, or emails.

1.2 Information We Collect Automatically

  • Device & Usage Data – IP address, browser type, operating system, referring URLs, pages viewed, links clicked, and session duration, collected via cookies, pixels, and similar technologies.

  • Location Data – coarse geographic location inferred from your IP address.

1.3 Information from Third Parties

  • Attorney‑Provided Documents – complaint, police reports, medical bills, insurance correspondence.

  • Service Providers & Data Brokers – identity‑verification vendors, credit‑bureau header data (no hard credit pull), and fraud‑prevention partners.

2. How We Use Your Information

PurposeLawful Basis
Evaluate, underwrite, and service your funding requestContract performance & legitimate interest
Communicate via phone, text (RingCentral), or emailConsent & legitimate interest
Operate and secure the Site, detect fraudLegitimate interest
Conduct analytics and improve servicesLegitimate interest
Comply with legal obligations and regulatory requestsLegal obligation
Send marketing communications (opt‑in only)Consent

3. Cookies & Tracking Technologies

We use first‑ and third‑party cookies, pixels, and local storage to remember preferences, measure traffic, and improve performance. You may adjust browser settings to refuse cookies; however, some Site features may not function.

A detailed list of cookies appears in our separate Cookie Policy.

4. Disclosure of Information

We do not sell or rent personal information.

We disclose information only as necessary:

  1. Your Attorney – to verify case details and perfect our lien.

  2. Service Providers – cloud hosting, application processing, identity verification, payment remittance, SMS (RingCentral), analytics. Providers are contractually bound to use the data solely for our instructions and to maintain confidentiality.

  3. Successor Entities – during merger, acquisition, or asset sale.

  4. Legal & Regulatory – to comply with subpoenas, court orders, or New York Department of Financial Services examinations.

  5. With Your Consent – as expressly authorized by you.

Phone numbers provided for SMS will never be shared with third parties for marketing purposes, nor will we share SMS consent with unaffiliated entities.

5. Your Privacy Rights

5.1 California Residents (CCPA/CPRA)

While much of the information we collect is subject to the GLBA exemption, California residents may have rights to request:

  • Categories of personal information collected;

  • Deletion (subject to exceptions);

  • Opt‑out of “sales” or “sharing” (we do not sell personal data);

  • Limit use of sensitive personal information (we use such information only to provide services).

We will not discriminate for exercising these rights.

5.2 Nevada, Virginia, Colorado, Connecticut, Utah & Other States

You may have similar rights under applicable laws. Submit requests as described in Section 10.

5.3 Email & SMS Marketing Opt‑Out

You may unsubscribe from marketing emails via the link in each message or reply STOP to any of our text messages. Transactional or service messages will continue.

6. Data Security

We implement administrative, technical, and physical safeguards designed to protect personal information, including encryption in transit and at rest, least‑privilege access, employee training, and regular penetration testing. No system is 100% secure; therefore we cannot guarantee absolute security.

7. Data Retention

We retain information for as long as necessary to fulfill the purposes outlined in this Policy, comply with legal obligations, resolve disputes, and enforce agreements. Funding files are retained for at least six years after final payoff or write‑off, unless a longer period is required by law.

8. Children’s Privacy

The Site is not directed to individuals under 18. We do not knowingly collect personal information from children. If we learn we have collected such data, we will delete it promptly.

9. International Users

We operate solely within the United States. If you access the Site from outside the U.S., you acknowledge that your information will be transferred to and processed in the U.S.

10. Exercising Your Rights & Contact

To submit a privacy request, ask questions, or appeal a denial, contact us:

PS Finance – Privacy Department
183 New Dorp Lane
Staten Island, NY 10306
Phone: (866) FUNDS‑NOW
Email: info@psfinance.com

We will verify your identity and respond within the timeframe required by applicable law.

11. Changes to This Policy

We may update this Privacy Policy periodically. When we do, we will revise the “Last updated” date and, if material changes are made, provide prominent notice on the Site.

Thank you for trusting PS Finance with your information.

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