Privacy Policy

Effective Date: April 14, 2026

Cashlo ("we," "our," or "us") operates the Cashlo mobile application (the "App"). This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our App.

1. Information We Collect

We collect information you provide directly to us:

• Account Information: Name, email address, phone number, date of birth, and the last four digits of your Social Security Number for identity verification.
• Financial Information: Bank account details, transaction history, and balance information accessed through our banking partner (Plaid). We do not store your bank login credentials.
• Transaction Data: Records of cash advances, repayments, fees, and subscription payments made through the App.
• Device Information: Device type, operating system, unique device identifiers, and mobile network information.
• Usage Data: How you interact with the App, including pages viewed, features used, and time spent.

2. How We Use Your Information

• To create and manage your account
• To verify your identity and prevent fraud
• To process cash advance requests and repayments
• To determine your eligibility and advance limits
• To process subscription payments
• To send you transaction confirmations and account alerts
• To improve and optimize the App
• To comply with legal obligations

3. How We Share Your Information

We do not sell your personal information. We may share your information with:

• Banking Partners: Plaid, Inc. to securely connect your bank account. Plaid's use of your data is governed by their End User Privacy Policy.
• Payment Processors: To process transactions and subscription payments.
• Service Providers: Third parties that help us operate, maintain, and improve the App.
• Legal Requirements: When required by law, regulation, or legal process.

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.

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

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]

Cashlo
Miami, FL