Privacy Policy

Effective Date: May 21, 2026

Cashlo is a mobile application operated by Royal Boudoir Inc. ("Royal Boudoir," "Cashlo," "we," "our," or "us"). This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our application and services.

1. Information We Collect

Account Information

Name, email address, phone number, and date of birth provided during registration.

Identity Verification

Government-issued ID information, the last four digits of your Social Security Number, and selfie or photo verification as required for KYC compliance.

Financial Information

Bank account details, routing numbers, balance information, and account holder information accessed through our banking partner (Plaid). We do not store your bank login credentials.

Transaction Data

Records of cash advances, repayments, fees, tips, membership payments, and delivery selections made through the App.

Device Information

Device type, operating system, unique device identifiers, IP address, browser type, and mobile network information.

Usage Data

How you interact with the App, including pages viewed, features used, time spent, and in-app actions.

Customer Support Information

Records of communications with our support team, including emails, messages, and any attachments you provide.

2. How We Use Your Information

To create and manage your account
To verify your identity and prevent fraud
To determine your eligibility and advance limits
To process cash advance requests and repayments
To process membership payments
To send transaction confirmations and account alerts
To respond to customer support requests
To improve, optimize, and personalize the App
To detect and prevent security incidents or fraudulent activity
To comply with legal and regulatory obligations

3. How We Share Your Information

We do not sell your personal information.

We may share your information with the following categories of service providers:

Banking Partners: Plaid, Inc. to securely connect and verify your bank account. Plaid's use of your data is governed by their End User Privacy Policy.
Payment Processors: To process transactions, ACH debits, and subscription payments.
Identity, Risk, and Fraud Prevention: Third-party services that help us verify identity, assess risk, and detect fraudulent activity.
Technology and Hosting: Cloud infrastructure, analytics, and monitoring providers that help us operate and maintain the App.
Legal and Compliance: When required by law, regulation, subpoena, court order, or other legal process, or when necessary to protect our rights or the safety of our users.

4. Data Security

We implement industry-standard security measures including 256-bit encryption, secure data transmission (TLS/SSL), and access controls to protect your personal information. However, no method of electronic transmission or storage is 100% secure.

5. Data Retention

We retain your personal information for as long as your account is active or as needed to provide services. We may retain certain information as required by law or for legitimate business purposes after account closure.

6. Your Rights

You have the right to:

Access your personal information
Correct inaccurate information
Request deletion of your account and data
Opt out of marketing communications
Disconnect your bank account at any time

To exercise any of these rights, contact us at [email protected].

7. Children's Privacy

The App is not intended for individuals under 18 years of age. We do not knowingly collect personal information from children.

8. Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of any material changes by posting the new policy in the App and updating the effective date.

9. Contact Us

If you have questions about this Privacy Policy, contact us at:

Email: [email protected]