Last Updated:  08/18/2024

Cashably, Inc., together with its subsidiaries and affiliates (collectively, “Cashably,” “we,” “our,” or “us”), is deeply committed to safeguarding your privacy and ensuring the security of your personal information. This Privacy Policy outlines our practices regarding the collection, use, disclosure, and protection of your personal information in connection with our services. Your use of our website, https://cashably.com, any related mobile applications, and other services or interactions with us (collectively, the “Digital Properties” or “Services”) constitutes your acceptance of this Privacy Policy.

IMPORTANT: PLEASE READ THIS PRIVACY POLICY CAREFULLY BEFORE USING OUR SERVICES. BY ACCESSING OR USING OUR SERVICES, YOU ACKNOWLEDGE THAT YOU HAVE READ, UNDERSTOOD, AND AGREE TO BE BOUND BY THIS PRIVACY POLICY. IF YOU DO NOT AGREE WITH THIS POLICY, YOU MUST IMMEDIATELY CEASE USING OUR SERVICES.

1. PERSONAL INFORMATION WE COLLECT

We collect personal information from and about you in the following ways:

A. Information You Provide Directly

When you engage with our Services, we may collect the following types of personal information directly from you:

– Contact Information: Such as your name, street address, telephone number, and email address.

– Identifying Information: Including your Cashably account name, Social Security number, date of birth, and other similar identifiers.

– Financial Information: Such as bank account details, credit scores, and other financial data relevant to the Services.

– Communications: Including emails, phone calls, chat messages, and any correspondence related to our Services.

– Preferences: Including your marketing and communication preferences.

– Other Voluntary Information: Any additional information you choose to provide, such as responses to surveys or web forms.

B. Information Collected Automatically

When you use our Digital Properties, we, along with our service providers, may automatically collect information about your device and usage, including:

– Device Information: Such as IP address, browser type, operating system, device identifiers, and geolocation data.

– Usage Information: Such as interaction with the Digital Properties, including pages visited, time spent, clickstream data, and user behavior analytics.

C. Information Collected from Third Parties

We may receive information about you from third-party sources, including:

– Credit Bureaus and Financial Institutions: To provide accurate and relevant financial services.

– Business Partners and Service Providers: To supplement our records and enhance the Services.

– Publicly Available Sources: To verify your identity or gather additional information about you.

D. Combination of Information

We may combine the information we collect from and about you, including across devices, and use it as described in this Privacy Policy.

2. HOW WE USE YOUR PERSONAL INFORMATION

Your personal information may be used for the following purposes:

– Service Delivery: To operate, manage, and provide the Services, including processing transactions and providing customer support.

– Compliance: To ensure compliance with applicable laws, regulations, and legal processes, including responding to subpoenas, court orders, and other legal requests.

– Communication: To contact you regarding your account, our Services, or to send important updates and notices.

– Marketing and Advertising: To send you promotional materials and tailored advertisements, subject to your consent where required by law.

– Security and Fraud Prevention: To monitor and protect against security risks, fraud, and other illegal activities.

– Business Analytics: To analyze and improve our Services and to develop new products and features.

– Internal Business Operations: To support our general business operations, including administrative functions, audits, and business planning.

3. HOW WE DISCLOSE YOUR PERSONAL INFORMATION

We may disclose your personal information in the following circumstances:

– Affiliates and Subsidiaries: To fulfill the purposes described in this Privacy Policy.

– Network Partners: When you request a financial product, we may share your information with lenders and other third parties to deliver the requested services. These partners may retain your information even if you do not proceed with their services, and their use of your information is governed by their privacy policies.

– Service Providers: To third parties that provide essential business services, such as payment processing, data analysis, and customer support.

– Government Authorities: To comply with legal obligations, including responding to law enforcement requests, subpoenas, court orders, or regulatory requirements.

– Business Transfers: In connection with a merger, acquisition, sale of assets, or similar transaction, where personal information may be transferred as part of the business assets.

– Legal and Regulatory Disclosures: As necessary to protect our rights, property, and safety, or the rights, property, and safety of others, including enforcing our agreements and pursuing available legal remedies.

IMPORTANT: CASHABLY RESERVES THE RIGHT TO DISCLOSE ANY INFORMATION WE DEEM NECESSARY TO COMPLY WITH LEGAL OBLIGATIONS, PROTECT OUR INTERESTS, AND SAFEGUARD THE SECURITY AND INTEGRITY OF OUR SERVICES.

4. YOUR CHOICES AND RIGHTS

We respect your rights regarding your personal information and provide the following options:

–  Opt-Out of Marketing Communications:  You can opt out of receiving promotional communications from us by following the instructions in those communications or by updating your preferences in your account settings.

–  Access and Correction:  Depending on your jurisdiction, you may have the right to request access to or correction of your personal information. Please contact us if you wish to exercise these rights.

–  Cookies and Tracking Technologies:  You can control cookies and other tracking technologies through your browser settings or by using opt-out tools provided by third-party advertisers.

–  Interest-Based Advertising:  You can opt out of interest-based advertising through the tools provided by the Digital Advertising Alliance (DAA) and the Network Advertising Initiative (NAI).

 IMPORTANT:  YOUR CHOICES REGARDING COOKIES AND TRACKING TECHNOLOGIES MAY LIMIT THE FUNCTIONALITY OF OUR DIGITAL PROPERTIES. WE DISCLAIM ALL LIABILITY FOR ANY LOSS OF FUNCTIONALITY OR SERVICE RESULTING FROM YOUR CHOICES.

5. SECURITY OF YOUR INFORMATION

We implement a variety of physical, electronic, and administrative measures to protect your personal information from unauthorized access, use, disclosure, and destruction. These measures include encryption, access controls, and secure storage practices.

 IMPORTANT:  WHILE WE STRIVE TO MAINTAIN THE SECURITY OF YOUR PERSONAL INFORMATION, NO SECURITY SYSTEM IS IMPENETRABLE. WE CANNOT GUARANTEE THE ABSOLUTE SECURITY OF YOUR INFORMATION, AND YOU PROVIDE IT AT YOUR OWN RISK. CASHABLY DISCLAIMS ALL LIABILITY FOR UNAUTHORIZED ACCESS, USE, OR DISCLOSURE OF YOUR INFORMATION.

6. INFORMATION RETENTION

We retain your personal information for as long as necessary to fulfill the purposes outlined in this Privacy Policy or as required by law. This includes retaining your information for auditing, legal compliance, dispute resolution, and enforcement of our agreements.

 IMPORTANT:  WE RESERVE THE RIGHT TO RETAIN, DISCLOSE, AND USE DE-IDENTIFIED OR AGGREGATED INFORMATION FOR ANY LEGITIMATE BUSINESS PURPOSE, WITHOUT FURTHER NOTICE TO YOU.

7. INTERNATIONAL USERS

Our Services are intended for users located in the United States. If you access our Services from outside the United States, please be aware that your information may be transferred to, stored, and processed in the United States or other countries where our service providers are located. By using our Services, you consent to such transfers.

 IMPORTANT:  CASHABLY DISCLAIMS ALL LIABILITY FOR COMPLIANCE WITH NON-U.S. PRIVACY LAWS. IF YOU ACCESS OUR SERVICES FROM OUTSIDE THE UNITED STATES, YOU DO SO AT YOUR OWN RISK AND ARE RESPONSIBLE FOR COMPLIANCE WITH LOCAL LAWS.

8. CHILDREN’S PRIVACY

Our Services are not intended for individuals under the age of 18. We do not knowingly collect personal information from minors. If we learn that we have collected information from a minor, we will take steps to delete it as soon as possible.

 IMPORTANT:  IF YOU BECOME AWARE THAT A MINOR HAS PROVIDED US WITH PERSONAL INFORMATION, PLEASE CONTACT US IMMEDIATELY. WE DISCLAIM ALL LIABILITY FOR INFORMATION PROVIDED BY MINORS WITHOUT VERIFIABLE PARENTAL CONSENT.

9. CHANGES TO THIS PRIVACY POLICY

We may update this Privacy Policy from time to time to reflect changes in our practices or applicable laws. The “Last Updated” date at the top of this page indicates when the policy was last revised. If we make material changes, we will notify you by updating this Privacy Policy on our website and, where appropriate, provide additional notice.

 IMPORTANT:  YOUR CONTINUED USE OF OUR SERVICES FOLLOWING ANY CHANGES TO THIS PRIVACY POLICY CONSTITUTES YOUR ACCEPTANCE OF SUCH CHANGES. WE RECOMMEND REVIEWING THIS PRIVACY POLICY REGULARLY TO STAY INFORMED OF ANY UPDATES.

10. MOBILE TERMS AND CONDITIONS

 What Are Your Mobile Terms? 

When you provide us with your mobile phone number and opt-in to the Cashably program, you agree that Cashably may send you text messages (including SMS and MMS) to that phone number. These messages may be sent through an automatic telephone dialing system. Standard message and data rates apply. You agree to receive a final text message confirming your opt-out. You may opt-out at any time by texting the word STOP to [shortcode]. For help, text HELP to [shortcode]. Consent is not required to purchase our goods or services. Your carrier may prohibit or restrict certain mobile features, and certain mobile features may be incompatible with your carrier or mobile device. Contact your carrier with questions regarding these issues.

 What Can I Expect to Receive? 

When you provide us with your mobile phone

 number and opt-in to Cashably’s messaging services, you agree that Cashably may send you communications via text message (including SMS and MMS) to that mobile phone number.

 How Do I Sign Up for These Text Messages? 

For Cashably Text Alerts: Simply text [KEYWORD] to [shortcode]. Message and data rates may apply, and you can always text HELP for help & STOP to cancel. When you opt-in to the service, we will send you a confirmation SMS message.

 How Do I Opt-Out of These Text Messages? 

You can cancel the SMS service at any time by texting STOP to [shortcode]. After sending the SMS message STOP to us, you will receive a confirmation that you have been unsubscribed. After this, you will no longer receive SMS messages from us. If you wish to re-subscribe, you may do so by opting in again as you did the first time.

 Will I Be Charged for the Text Messages I Receive? 

Cashably will not charge you for the text messages you receive; however, standard message and data rates may apply for any messages sent to you from us and to us from you. If you have any questions about your text or data plan, it is best to contact your wireless provider. For any questions about the services provided through the shortcode [shortcode], you can contact us at [email protected].

 Supported Wireless Carriers 

We are able to deliver messages to the following mobile phone carriers:

 United States: 

– Major carriers: AT&T, Verizon Wireless, Sprint, T-Mobile, MetroPCS, U.S. Cellular, Alltel, Boost Mobile, Nextel, and Virgin Mobile.

– Minor carriers: Alaska Communications Systems (ACS), Appalachian Wireless (EKN), Bluegrass Cellular, Cellular One of East Central IL (ECIT), Cellular One of Northeast Pennsylvania, Cincinnati Bell Wireless, Cricket, Coral Wireless (Mobi PCS), COX, Cross, Element Mobile (Flat Wireless), Epic Touch (Elkhart Telephone), GCI, Golden State, Hawkeye (Chat Mobility), Hawkeye (NW Missouri), Illinois Valley Cellular, Inland Cellular, iWireless (Iowa Wireless), Keystone Wireless (Immix Wireless/PC Man), Mosaic (Consolidated or CTC Telecom), Nex-Tech Wireless, NTelos, Panhandle Communications, Pioneer, Plateau (Texas RSA 3 Ltd), Revol, RINA, Simmetry (TMP Corporation), Thumb Cellular, Union Wireless, United Wireless, Viaero Wireless, and West Central (WCC or 5 Star Wireless).

 Canada: 

– Bell (including NorthernTel, Solo Mobile, and Telebec), Fido, MTS, Rogers, SaskTel, Telus (including Koodo Mobile and Public Mobile), Videotron, Virgin Mobile, and Wind.

 IMPORTANT:  THIS SERVICE AND THE CARRIERS ARE NOT LIABLE FOR DELAYED OR UNDELIVERED MESSAGES.

11. ADDITIONAL PRIVACY PROTECTIONS

Cashably is dedicated to protecting your privacy and takes extensive measures to ensure that our website and services are safe and secure for our visitors, clients, and subscribers.

–  Protection of Information:  Any information communicated to Cashably will remain in the ownership of the user, securely stored in accordance with our security policy and the law. Cashably will take necessary steps to secure your personal information with safeguards appropriate to the sensitivity of the information. Cashably will not rent or redistribute your information without your consent, except where legally required.

–  Subscribing and Unsubscribing:  Users must opt-in to a text marketing list, and they have the right to opt-out at any time. Once a user opts out of a text communications list, they will no longer receive any texts unless they re-subscribe.

–  Limits On Our Abilities:  While your privacy is of the utmost importance to us, we cannot guarantee that personal information will not be disclosed to third parties in ways not described by this privacy policy due to legal requirements. We may disclose any information about you to private entities, law enforcement, or other government officials as we believe necessary to address and/or resolve issues.

 IMPORTANT:  CASHABLY RESERVES THE RIGHT TO CHANGE THIS PRIVACY POLICY AT ITS DISCRETION. YOUR CONTINUED USE OF THIS SERVICE AFTER CHANGES TO THIS PRIVACY POLICY HAVE BEEN POSTED WILL BE CONSIDERED ACCEPTANCE OF THOSE CHANGES. IT IS YOUR RESPONSIBILITY TO REVIEW THE PRIVACY POLICY PERIODICALLY FOR UPDATES.

12. HOW TO CONTACT US

If you have any questions or concerns about this Privacy Policy or our privacy practices, or if you wish to exercise your rights as detailed in this Privacy Policy, please contact us at:

–  Email:  [email protected]

–  Phone:  313-656-7701

–  Mail:  Compliance Officer, Cashably, Inc., 330 E Liberty St, Ann Arbor, MI 48104