California Privacy Notice (CCPA/CPRA)

Last updated: 2026

This California Privacy Notice supplements our Privacy Policy and applies to California residents. It describes the personal information Three B Financial, LLC (dba 3BCash) has collected about California consumers in the preceding 12 months, why we collect it, and the rights California law gives you under the California Consumer Privacy Act, as amended by the California Privacy Rights Act (CCPA/CPRA).

Notice at collection. When you visit our site or start an application, we collect the categories of personal information described below to evaluate your loan request, service your account, operate our business, and meet legal requirements. We do not sell your personal information for money.

Categories of Personal Information We Collect

In the preceding 12 months, depending on whether you simply browse our site or apply for a loan, we may have collected the following categories of personal information about California consumers:

Identifiers — name, mailing address, email address, phone number, Social Security number, online identifiers, and IP address.
Customer records information (Cal. Civ. Code § 1798.80) — name, address, phone number, bank account number, and employment information.
Protected classification information — date of birth (age) and marital status, where relevant to eligibility or joint accounts.
Commercial information — loan application history, payment history, and products or services obtained from us.
Internet or other electronic network activity — browsing activity on our site, pages viewed, and interactions with our online application.
Geolocation data — approximate location derived from your IP address or the address you provide.
Sensitive personal information — Social Security number, bank account and financial account information. We use sensitive personal information only for permitted purposes, such as verifying identity, underwriting your loan, processing payments, and preventing fraud — not to infer characteristics about you.

Sources of Personal Information

We collect these categories directly from you (through our website and loan application), automatically through your use of our site (such as cookies and device data), from our technology partner that hosts our online application form, and from third parties such as banking data providers and consumer reporting agencies, where applicable.

Directly from you — when you fill out our online application, call our support line, or email us with a question.
Automatically — through cookies, log files, and similar technology when you browse 3bcash.com.
From our technology partner — which hosts the online application form and passes application data back to us so we can make a lending decision.
From third parties — such as your bank (to verify account and income information) and, where applicable, consumer reporting agencies.

Purposes for Collecting and Using Personal Information

Evaluating and processing your loan application, including identity verification and underwriting.
Servicing your loan, processing payments, and responding to your requests.
Operating, maintaining, and improving our website and online application.
Detecting, investigating, and preventing fraud and security incidents.
Complying with applicable federal and state law, including lending, consumer protection, and recordkeeping requirements.
Marketing our own products and services to you, consistent with our Privacy Policy.

Disclosures for Business Purposes

We disclose some categories of personal information to service providers and business partners for the business purposes above — for example, to our technology partner that operates the online application form, to banking and payment-processing providers, and to companies that help us with hosting, security, and customer communications. These companies are restricted from using your information for anything other than performing services for us or as required by law.

Sale or sharing of your information. We do not sell your personal information for money. Information you submit through our online application form is collected by our technology partner under its own notice; to opt out of any sale or sharing, use the options below.

GLBA Exemption

Some personal information we collect in connection with your loan is already governed by the Gramm-Leach-Bliley Act (GLBA) and its implementing regulations, and is subject to our GLBA privacy notice found in our Privacy Policy. The CCPA does not apply to personal information covered by GLBA to the extent that exemption applies; where it does not apply, the rights described on this page govern. In practice, this means the financial and account information described in our GLBA notice is handled under that federal framework, while browsing data, device information, and other information not covered by GLBA are handled under the CCPA rights described below.

Your California Privacy Rights

The CCPA, as amended by the CPRA, gives California residents rights over how businesses like ours handle their personal information. These rights are not absolute — they are subject to legal exceptions, such as our need to retain information to complete a transaction, meet a regulatory recordkeeping obligation, or defend a legal claim. Subject to those exceptions, California residents have the right to:

Know

Request the categories and specific pieces of personal information we have collected about you, and the sources, purposes, and categories of third parties involved.

Delete

Request deletion of personal information we have collected from you, subject to exceptions such as completing a transaction or meeting a legal obligation.

Correct

Request correction of inaccurate personal information we maintain about you.

Opt out

Opt out of any sale or sharing of your personal information, to the extent it applies.

Limit sensitive PI

Limit the use of sensitive personal information to purposes permitted under the CCPA/CPRA.

Non-discrimination

We will not deny goods or services, charge different prices, or provide a different level of service because you exercised a privacy right.

Apply Now Soft credit check · Approval not guaranteed

How to Submit a Request

You, or an authorized agent acting on your behalf, may submit a request to know, delete, correct, or opt out by:

Calling us at 866-337-9947 (Monday–Friday, 8:00 AM–7:00 PM EST), or
Emailing [email protected].

To protect your information, we will need to verify your identity before completing most requests, which may involve confirming details such as your name, address, and application information. If you use an authorized agent, we may also ask for written proof that you gave the agent permission to act for you, and we may still ask you to verify your own identity directly.

Response Timeline

We aim to confirm receipt of your request within 10 business days and to respond substantively within 45 days of receiving a verifiable request, as required by California law. If we need more time, we will let you know the reason and the extended timeframe in writing. If we cannot verify your identity, or your request falls under an exception recognized by California law, we will explain why we are unable to complete it.

Minors

Our loans and this website are intended for adults age 18 and older. We do not knowingly collect personal information from consumers under 16, and we do not sell or share the personal information of consumers we know to be under 16.

Loan Availability and Licensing

Loan availability depends on the laws of your state, and loans are not available in all states. State licensing and registration information for Three B Financial, LLC is listed on our Licenses & Disclosures page.

Changes to This Notice

We may update this California Privacy Notice from time to time to reflect changes in our practices, the categories of information we collect, or applicable law. The "Last updated" date at the top of this page reflects the most recent revision, and we encourage you to check back periodically.

Contact Us

Three B Financial, LLC (dba 3BCash) · Office: 1108 E South Union Ave, Midvale, UT 84047 · Mail: PO Box 154, Culpeper, VA 22701 · Phone 866-337-9947 · Fax 866-422-4776 · [email protected] · Hours Monday–Friday, 8:00 AM–7:00 PM EST.

Frequently Asked Questions

Does 3BCash sell my personal information?

No. We do not sell your personal information for money. Information you submit through our online application form is collected by our technology partner under its own notice; you can use the options on this page to opt out of any sale or sharing.

What if I applied for a loan through the online form?

The online application form is provided by a technology partner, and information you enter there is collected under that partner's own privacy notice. Contact us using the options below if you want to submit a CCPA request about information 3BCash holds.

How long will it take to respond to my request?

We aim to respond to verifiable consumer requests within 45 days, as required by California law. We will let you know if we need more time.

Do you offer loans in California?

Loan availability depends on the laws of your state, and loans are not available in all states. For state licensing and registration information, see our Licenses & Disclosures page. The privacy rights described on this page apply to California residents whether or not they apply for a loan.

Does this notice apply outside California?

This page describes rights specific to California residents under the CCPA/CPRA. See our full Privacy Policy for information that applies to all visitors and borrowers.

Representative examples. A $500 loan repaid in 16 bi-weekly payments at 36% APR has payments of $35.05 and a total of payments of $560.87 (finance charge $60.87). The same $500 loan at 145% APR has payments of $48.05 and a total of payments of $768.78 (finance charge $268.78). A $1,000 loan repaid in 16 bi-weekly payments at 36% APR has payments of $70.11 and a total of payments of $1,121.74 (finance charge $121.74). These are examples only — your APR, payment amount and number of payments depend on the law of your state, the loan amount and your application; confirm your exact terms when you complete the application form. See rates by state.

Rates and availability. Loans from $100 to $35,000 with terms from 7 days to 12 months. Rates and fees are standard and stay within the limits set by the law of the state where the loan is made. Loans are not available in all states. Approval is not guaranteed; the amount you qualify for depends on your income and application.

Credit check. We start with a soft credit inquiry that does not affect your credit score; a hard credit inquiry may be made before final approval. 3BCash does not report your payments to credit bureaus.

Funding. If your application is received and verified by 7:00 PM EST on a business day and approved, funds are generally deposited into your bank account the next business day. Availability of funds may depend on your bank.

Repayment. Loans are repaid in fixed installments with part of every payment going to principal. No rollovers and no prepayment penalty. Late or returned payments may result in fees permitted by your state's law and collection activity — contact us before a payment is due if you expect difficulty paying.

Right to cancel. You may cancel your loan without any finance charge by sending written notice by fax or email by 5:00 PM Mountain Standard Time on the next business day after your loan is made.

Responsible borrowing. Installment loans can be an expensive form of credit and are meant for short-term financial needs, not as a long-term financial solution. Borrow only what you can repay.

Military borrowers. We comply with the Military Lending Act. Federal law provides important protections to members of the Armed Forces and their dependents; in general, the cost of consumer credit to a covered borrower may not exceed a 36% Military Annual Percentage Rate. See Licenses & Disclosures.

Equal Credit Opportunity. The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age (provided the applicant has the capacity to enter into a binding contract); because all or part of the applicant's income derives from any public assistance program; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act.

Questions or complaints. Call 866-337-9947 or email [email protected]. Utah residents may contact the Utah Department of Financial Institutions at 801-538-8830. You may also submit a complaint to the Consumer Financial Protection Bureau at consumerfinance.gov.

Three B Financial, LLC (3BCash) · 1108 E South Union Ave, Midvale, UT 84047 · Mailing: PO Box 154, Culpeper, VA 22701.

Application form. Our online application form is provided by a technology partner; information you submit is handled under the form's own terms and privacy notice, shown before you submit.