Privacy Policy

Last Updated: January 2026 

Montana Capital Car Title Loans® 

This page is part of our commitment to transparency, accuracy, and responsible financial publishing. 

  1. Introduction

Simple Cash Loans, Inc., dba Montana Capital Car Title Loans® (“Montana Capital,” “Company,” “we,” “us,” or “our”) respects your privacy and is committed to protecting your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website montanacapital.com (the “Site”) or use our services. 

This Privacy Policy applies to information we collect through this Site, in emails, text messages, and other electronic communications, and when you interact with our services. It does not apply to information collected by third parties, including any lending partners we may connect you with. 

By using our Site or services, you agree to the collection and use of information in accordance with this Privacy Policy. 

  1. Who We Are

In California, Montana Capital Car Title Loans® operates as a licensed direct lender and licensed broker under the California Financing Law (DFPI License No. 603F508, NMLS ID: 2249848). In all other states, we act as an authorized loan broker connecting you with licensed third-party lending partners. 

You can verify our licenses at nmlsconsumeraccess.org or dfpi.ca.gov. 

  1. Information We Collect

We collect personal information to identify you, verify your identity, assess your loan application, deliver financial products and services, and service your account. The following table describes the categories of personal information we may collect: 

Category  Examples  Collected  Sold/Shared* 
A. Identifiers  Name, address, phone number, email address, Social Security number, driver’s license number  Yes  No 
B. Personal Information (CA Civil Code §1798.80)  Name, address, telephone number, employment history, bank account number, credit/debit card number  Yes  No 
C. Protected Classifications  Age, citizenship, marital status, military/veteran status  Yes  No 
D. Commercial Information  Loan application data, payment history, account balances, transaction records  Yes  No 
E. Biometric Information  Fingerprints, voiceprint, facial recognition data  No  No 
F. Internet/Network Activity  Browsing history on our Site, search history, IP address, device ID, pages viewed  Yes  No 
G. Geolocation Data  Physical location, GPS data (if GPS device installed as loan condition)  Yes**  No 
H. Sensory Data  Audio recordings of phone calls, photographs of vehicle  Yes  No 
I. Professional/Employment Information  Employer name, job title, income, length of employment  Yes  No 
J. Education Information  Education records (non-FERPA)  No  No 
K. Inferences  Creditworthiness, preferences, behavior patterns derived from other information  Yes  No 
L. Sensitive Personal Information  Social Security number, driver’s license number, financial account numbers (see Section 4)  Yes  No 

*We do not sell or share your personal information for cross-context behavioral advertising. 

**GPS data collected only if GPS device is installed as a condition of your loan agreement. 

  1. Sensitive Personal Information

To process your loan application and comply with federal and state laws, we collect certain sensitive personal information as defined by California law: 

  • Social Security Number — Required for identity verification, credit checks, and compliance with the USA PATRIOT Act 
  • Driver’s License or State ID Number — Required for identity verification 
  • Financial Account Information — Required for fund disbursement and payment processing 
  • Precise Geolocation — Collected via GPS device if installed as a loan condition 

We use sensitive personal information only for purposes necessary to provide you with our loan products and services, including identity verification, fraud prevention, loan underwriting, account servicing, and compliance with applicable laws. 

Your Right to Limit: California residents have the right to limit our use of sensitive personal information to what is necessary to provide the services you request. To exercise this right, see Section 9 or call 818-503-9393. 

  1. How We Collect Information

We collect personal information from the following sources: 

  • Directly from you: When you complete a loan application, contact us by phone or email, or otherwise provide information to us
  • Automatically: When you visit our Site, through cookies, web beacons, and similar technologies 
  • From consumer reporting agencies: Credit reports from TransUnion, Equifax, Experian, LexisNexis, or FactorTrust 
  • From third parties: Identity verification services, fraud prevention services, and public records 
  • From lending partners: Information necessary to process and service your loan (in states where we act as broker)
  1. How We Use Your Information

We use the personal information we collect for the following business purposes: 

  • Processing and evaluating your loan application 
  • Verifying your identity and preventing fraud 
  • Servicing your loan account and processing payments 
  • Communicating with you about your application or account 
  • Connecting you with lending partners (in states where we act as broker) 
  • Complying with legal and regulatory requirements 
  • Improving our Site and services 
  • Protecting against security threats and unauthorized access 
  1. How We Share Your Information

We do not sell your personal information. 

We may share your information in the following circumstances: 

  • With lending partners: To process and fund your loan (in states where we act as broker) 
  • With service providers: Who help us operate our business (payment processors, identity verification, customer service) 
  • With consumer reporting agencies: As required by law or to report account information 
  • With government agencies and regulators: As required by law or legal process 
  • With affiliated companies: To assist in everyday business operations 
  • In connection with a business transaction: Such as a merger, acquisition, or sale of assets 

Restrictions on Sharing Mobile Information: No mobile information will be shared with third parties or affiliates for marketing or promotional purposes. Mobile information is used only for transactional purposes related to your loan inquiry or servicing. For more information, please see our Text Message Policy. 

  1. Data Retention

We retain personal information for as long as necessary to fulfill the purposes for which it was collected, comply with legal obligations, and resolve disputes. The following are our general retention periods: 

Information Type  Retention Period 
Loan application data (funded loans)  7 years after loan payoff or charge-off 
Loan application data (unfunded)  3 years after application date 
Financial transaction records  7 years (IRS and state tax requirements) 
Customer service records  3 years after last interaction 
Call recordings  2 years for quality assurance purposes 
Website analytics data  26 months 
  1. Your Privacy Rights

Depending on where you live, you may have certain rights regarding your personal information. We honor privacy rights for all customers, regardless of state of residence. 

California Residents (CCPA/CPRA) 

If you are a California resident, you have the following rights: 

  • Right to Know: Request disclosure of the categories and specific pieces of personal information we have collected about you 
  • Right to Delete: Request deletion of your personal information, subject to certain exceptions 
  • Right to Correct: Request correction of inaccurate personal information 
  • Right to Opt-Out of Sale/Sharing: We do not sell or share your personal information for cross-context behavioral advertising 
  • Right to Limit Sensitive Personal Information: Limit our use of sensitive personal information to what is necessary to provide services 
  • Right to Non-Discrimination: We will not discriminate against you for exercising your privacy rights 

Nevada Residents 

Nevada residents may opt out of the sale of covered information under NRS 603A. We do not currently sell covered information, but you may submit an opt-out request to legal@montanacapital.com. 

Texas, Oregon, and Other States 

Several states including Texas (TDPSA), Oregon (OCPA), and others have enacted privacy laws with similar rights. If you are a resident of a state with comprehensive privacy rights, we will honor your requests to the extent required by applicable law. Contact us using the information in Section 16. 

How to Exercise Your Rights 

To submit a privacy rights request, you may: 

We will respond to verifiable requests within 45 days. We may request additional information to verify your identity before fulfilling your request. 

Privacy Notice Downloads 

You can download our privacy notices here: 

Appeal Process 

If we deny your privacy request, you have the right to appeal. To appeal, email legal@montanacapital.com with “Privacy Appeal” in the subject line and include information about your original request. We will respond to appeals within 60 days. 

  1. Browser Privacy Signals

We honor Global Privacy Control (GPC) signals. When we detect a valid GPC signal from your browser, we treat it as a request to opt out of the sale or sharing of your personal information for that browser or device. To learn more about GPC and how to enable it, visit globalprivacycontrol.org. 

  1. Cookies and Tracking Technologies

We use cookies and similar technologies to improve your experience on our Site. A “cookie” is a small file stored on your device that helps us recognize you and remember your preferences. 

  • Session cookies: Temporary cookies that expire when you close your browser
  • Persistent cookies: Remain on your device until they expire or you delete them 
  • Analytics cookies: Help us understand how visitors use our Site 

You can set your browser to refuse cookies or alert you when cookies are being sent. If you disable cookies, some parts of our Site may not function properly. 

  1. Information Security

We maintain physical, electronic, and procedural safeguards to protect your personal information. These include: 

  • 256-bit SSL encryption and TLS for data transmission 
  • Restricted access to personal information on a need-to-know basis 
  • Regular security assessments and monitoring 
  • Employee training on data protection practices 

While we strive to protect your information, no method of transmission over the Internet is 100% secure. We cannot guarantee absolute security. 

  1. Children’s Privacy

Our Site and services are intended for adults 18 years of age and older. We do not knowingly collect personal information from children under 18. If you believe we have collected information from a child under 18, please contact us immediately at legal@montanacapital.com and we will take steps to delete such information. 

  1. Third-Party Links

Our Site may contain links to third-party websites. We are not responsible for the privacy practices of these sites. We encourage you to review the privacy policy of any site you visit. 

  1. Updates to This Privacy Policy

We may update this Privacy Policy from time to time. The “Last Updated” date at the top of this page indicates when this policy was last revised. We encourage you to review this policy periodically. Your continued use of our Site after any changes constitutes acceptance of the updated policy. 

  1. Contact Information

If you have questions about this Privacy Policy or wish to exercise your privacy rights, please contact us: 

Email: legal@montanacapital.com 

Phone: 818-503-9393 

Mail: Montana Capital Car Title Loans 

12100 Wilshire Blvd, Suite 800 

Los Angeles, CA 90025 

California Regulator: 

California Department of Financial Protection and Innovation 

Website: dfpi.ca.gov | Phone: (866) 275-2677 

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Montana Capital Car Title Loans® | Simple Cash Loans, Inc. 

NMLS ID: 2249848 | CA License: 603F508 

© 2026 Montana Capital Car Title Loans®. All rights reserved. 

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