Compliance & Data Security

Our Broker/Advisor Model

Sweet Cash LLC operates exclusively as a loan advisory and referral service. We do not originate, underwrite, fund, or close loans. All lending decisions are made solely by our partner lenders based on their individual underwriting criteria.

This structure ensures that Sweet Cash remains fully exempt from lender licensing requirements in most jurisdictions, while still providing high-value financial advisory and referral services to our clients.

Clients are always clearly informed that Sweet Cash is a referral and advisory entity, and that any loan agreement will be between the client and the applicable lender — not Sweet Cash LLC.

Truth in Lending Act (TILA) Compliance

Sweet Cash ensures that all referral partners provide full TILA-compliant disclosures to borrowers before any loan agreement is executed. These disclosures include:

• → Annual Percentage Rate (APR)
• → Finance charges and total loan cost
• → Payment schedule and due dates
• → Late payment and prepayment terms
• → Right of rescission (where applicable)

CFPB Consumer Protection Alignment

Sweet Cash operates in full alignment with the Consumer Financial Protection Bureau's (CFPB) guidelines for consumer lending advisory services. We are committed to:

Ensuring all marketing and client communications are accurate, transparent, and not misleading. Prohibiting deceptive or abusive practices in all client interactions. Supporting clients' right to fair lending and equal access to financial services.

KYC & Anti-Money Laundering (AML) Policies

Sweet Cash maintains robust Know Your Customer (KYC) and Anti-Money Laundering (AML) procedures in all client engagements:

All clients are required to provide valid government-issued identification and proof of income. Suspicious activity is reported in accordance with applicable FinCEN reporting requirements. Client documentation is handled through secure, encrypted channels with restricted access.

Data Privacy & Security

We take data privacy seriously. All client information submitted through our website or advisory sessions is protected by:

• → SSL/TLS encryption for all data in transit
• → Encrypted storage for all client records
• → Strict access controls and audit logging
• → No sale or unauthorized sharing of client data
• → GDPR and CCPA compliance for eligible users

Transparent Fee Structure

Sweet Cash generates revenue through loan referral commissions from lender partners and consulting fees for personalized advisory services. All fees are fully disclosed prior to engagement. Clients will never incur hidden charges or undisclosed commissions.

We do not charge upfront fees for initial consultations or eligibility assessments.

Licensing & Registration

Sweet Cash LLC is registered as a limited liability company at 88 Broad St, New York, NY 10008, USA. We continuously monitor state-specific loan broker and credit services organization (CSO) requirements to ensure our referral-only activities remain fully compliant across all operating jurisdictions.