Privacy Policy
What this means in plain English:
- We collect only what we need: your name, email, phone, and partial ID (never your full SSN)
- We use your data to find settlements in your name, prepare claims for you to file, and track deadlines for you
- We never sell or share your data with anyone (except court/government as required by law to file claims)
- We don't track you across other apps or websites
- You can ask us to show you, correct, or delete your data anytime
- You can turn off data sales to us under state privacy laws (though we don't do that anyway)
Information We Collect
We collect only what's necessary to find and file settlements in your name:
- Basic contact: First and last name, email address, phone number
- Partial identification: Last 4 digits of SSN, date of birth, state of residence (never your full SSN)
- Address: Current and previous addresses (to match you to settlements)
- Account data: Your subscription plan, payment method (processed by third-party provider, we don't store full card numbers), cancellation preferences
- Usage data: Which settlements you view, approve, or decline; pages you visit on PendingMoney; timestamps and interactions (to improve the service and track filing progress)
- Communication: Any messages you send to support; refund requests
How We Use Your Information
Your data is used only for these purposes:
- Search public settlement databases and match your identity to eligible claims
- Prepare and help you file and manage claims (you review and file each one yourself)
- Track deadlines and notify you of upcoming cutoffs
- Process your subscription payment and billing
- Respond to your questions and support requests
- Detect and prevent fraud or abuse of the service
- Improve PendingMoney's features, accuracy, and user experience
- Comply with law enforcement requests, court orders, or legal obligations
What We Never Do
- Never sell your data - not to marketers, data brokers, or anyone else
- Never share for cross-app tracking - we don't let other apps or sites know what you're doing on PendingMoney
- Never ask for your full SSN - only the last 4 digits (needed to match you to settlements)
- Never use your data for ads - we don't target ads at you based on your activity here
- Never rent your email - to mailing lists or marketing services
- Never retain data longer than necessary - we delete inactive accounts as described below
Data Sharing
We share your information only when necessary to deliver the service or when required by law:
- Settlement administrators & courts: We don't submit claims to settlement administrators on your behalf. If you file a claim yourself using the official link we provide, we don't send your information anywhere as part of that step.
- Payment processors: We use a third-party service to process subscription payments. They don't store your data on our behalf; they handle it under their own privacy policy and PCI compliance standards.
- Legal & law enforcement: If required by subpoena, court order, or to prevent illegal activity, we may disclose information. We will notify you of such requests unless prohibited by law.
- Business changes: If PendingMoney merges, is acquired, or is sold, your data may be transferred as part of that transaction. We would notify you and give you options if this materially changes how your data is used.
We do not share data with data brokers, analytics companies (beyond minimal crash/error reporting), or any third party for marketing purposes.
Your Rights Under State Privacy Laws
Under laws like the California Consumer Privacy Act (CCPA) and California Privacy Rights Act (CPRA), and similar laws in other states, you have the right to:
- Know: What personal information we collect and how we use it. Request a copy of your data anytime.
- Delete: Ask us to erase your information (with some legal exceptions, like tax or fraud records).
- Correct: Update or fix inaccurate information.
- Opt out of sales/sharing: Tell us not to sell or share your data. We don't do this anyway, but you have the right to formally request it.
- Not be discriminated against: We won't penalize you for exercising your privacy rights (e.g., charging more or denying service just because you asked to delete your data).
- Authorize an agent: Someone else can submit these requests on your behalf (with your written permission and proof of authorization).
To exercise any of these rights, contact us at support@pendingmoney.us.com. We will respond within 45 days.
Data Retention
We keep your data only as long as needed:
- Active accounts: While you're a subscriber, we keep all your data to track claims and notify you of deadlines.
- After cancellation: We retain minimal data (name, email, claim outcomes) for 3 years to honor refund requests, resolve disputes, and comply with tax law. You can ask us to delete this sooner.
- Inactive accounts: If you don't log in for 3 years, we may delete your account and data, unless you ask us to keep it.
- Settlement data: Once a claim is resolved (paid, denied, or expired), we retain the outcome for 3 years in case you need a record.
Security
We protect your data with industry-standard security practices:
- All data in transit is encrypted using TLS (HTTPS)
- Passwords are hashed and salted; we don't store them in plain text
- Partial SSN (last 4 digits) is stored separately from other identification
- Access to your data is restricted to PendingMoney staff who need it to serve you
- We log access to sensitive data and monitor for unauthorized activity
- We perform regular security audits and vulnerability assessments
- If we discover a breach, we will notify you as required by law within 72 hours
While we use robust security measures, no system is 100% secure. If you're concerned about your account, contact us immediately at support@pendingmoney.us.com.
Children
PendingMoney is for U.S. residents 18 years and older. We don't knowingly collect data from anyone under 18. If we learn we've collected data from a minor, we will delete it immediately. If you believe we have a child's information, contact support@pendingmoney.us.com.
Do Not Sell or Share My Personal Information
Under CCPA/CPRA and similar state laws, you can opt out of the "sale" or "sharing" of your personal information. We don't sell or share your data anyway, but you can exercise this right formally by visiting our Do Not Sell page or emailing support@pendingmoney.us.com.
International Users
PendingMoney is for U.S. residents only. If you are outside the United States, please do not use this service. We do not intentionally collect data from people outside the U.S., and we don't comply with GDPR or other international privacy frameworks at this time.
Changes to This Policy
We may update this Privacy Policy from time to time. If we make material changes (like how we use your data or who we share it with), we'll notify you by email or post a notice on PendingMoney before the change takes effect. Your continued use of PendingMoney after changes means you accept the updated policy.
Contact Us
Questions about this Privacy Policy or your data? Contact us at:
Email: support@pendingmoney.us.com
Mailing Address:
PendingMoney, Inc.
447 Broadway, 2nd Floor
New York, NY 10013
Last updated: June 1, 2025