Privacy Policy

At Cache Financials, Inc., Cache Securities LLC (our registered broker dealer), and Cache Advisors LLC (our registered investment advisor) (collectively, “Cache”, “we” or “us”) have created this privacy policy (this “Privacy Policy”) your privacy is a priority.  We understand the importance of the information you share with us and are committed to protecting it. 

This Privacy Policy explains how we collect, use, process, and share information we collect via our website located at https://www.usecache.com and other domain names offering or linking to the website (the “Site”), our services, including but not limited to, broker-dealer services, investment advisory services, and any corresponding mobile application (together with the Site, the “Platform”) offered by Cache and to help you understand and exercise your privacy rights within the scope of applicable laws. The Site, our services and Platform are collectively called the “Services.”‍

Below is a link to Cache’s current privacy notice. We have also included our Privacy Policy Statement below which covers Cache’s processing of customer information.

California Residents: More information about your privacy rights is located at https://usecache.com/legal/privacy-policy  We will not share information we collect about you with companies outside Cache unless the law allows. For example, we may share information with your consent to service your account or provide benefits to you.  We will limit sharing among companies to the extent required by California law.

Vermont Residents: We will not disclose information about your creditworthiness to our affiliates and will not disclose your personal information, financial information, credit report, or health information to nonaffiliated third parties to market to you, other than as permitted by Vermont law unless you authorize us to make those disclosures.

Cache Financials, Inc Privacy Policy Statement 

We at Cache Financials, Inc., Cache Securities LLC (our registered broker dealer), and Cache Advisors LLC (our registered investment advisor) and other affiliated entities  (collectively, “Cache”, “we” or “us”) have created this privacy policy (this “Privacy Policy”) because we know that you care about how information you provide to us is used and shared. This Privacy Policy is designed to help you understand how we collect, use, process, and share information we collect via our website located at https://www.usecache.com and other domain names offering or linking to the website (the “Site”), our services, including but not limited to, broker-dealer services, investment advisory services, and any corresponding mobile application (together with the Site, the “Platform”) offered by Cache and to help you understand and exercise your privacy rights within the scope of applicable laws. The Site, our services and Platform are collectively called the “Services.”‍ s By accessing the Site and using our Services, you agree to our collection and use of your PI as described in this Privacy Statement. 

1. SCOPE

This Privacy Policy applies to information processed by us, including in connection with our Services. For more information on how we process your nonpublic personal information as a financial institution, please refer to our Financial Information Privacy Notice available in our legal disclosure library.

2. PERSONAL INFORMATION WE COLLECT

The categories of personal information we collect depend on how you interact with us, our Services, and the requirements of applicable law. We collect information that you provide to us, information we obtain automatically when you use our Services, and information from other sources such as third-party services and organizations, as described below.

A. Information You Provide to Us Directly

We may collect the following personal information that you provide to us.

Account Creation. To create an account with us and use our Services, we may collect the following information from you: 

• Identification information: First and last name, date of birth, gender, phone number, email, government identification number (including Social Security Number, driver’s license number and passport number) and other information necessary to verify your identity to comply with our regulatory obligations under financial or anti-money laundering laws;
• Institutional information: If you are an institutional customer, we may collect your institution’s legal name, Employer Identification number (or comparable number issued by a government), proof of legal formation (e.g., Articles of Incorporation), and personal identification information for all material beneficial owners;
• Financial information: Bank account information, routing number, transaction history, trading data and/or tax identification;
• Nonpublic Personal Information: When you register to become a customer, we will also collect your nonpublic personal information which means (i) any information you provide to us to obtain a financial product or service from us, (ii) any information about you resulting from any transaction involving a financial product or service between us and you, or (iii) any information we otherwise obtain about you in connection with providing a financial product or service to you (collectively, the “NPI”). NPI is a subset of personal information and shall be considered personal information under this Privacy Policy.
• Transaction information: Information about the transactions you make using our Services, such as the name of the recipient and the trading amount;
• Employment information: Your job title, office location or source of income; and
• Correspondence: Information you provide to our support teams.
• Your Communications with Us. We may collect personal information, such as email address, phone number, or mailing address when you request information about our Services, register for our newsletter or loyalty program, request customer or technical support, apply for a job, or otherwise communicate with us.
• Conferences, Trade Shows, and Other Events. We may collect personal information from individuals when we attend conferences, trade shows, and other events.
• Business Development and Strategic Partnerships. We may collect personal information from individuals and third parties to assess and pursue potential business opportunities.
• Job Applications. We may post job openings and opportunities on our Services. If you reply to one of these postings by submitting your application, CV and/or cover letter to us, we will collect and use your information to assess your qualifications.

Please note that, where we receive your Personal information (PI) from a source other than directly from you, Cache cannot ensure the accuracy of such PI. We may also collect any other PI from you to the extent that you voluntarily disclose such PI to us.

B. Information Collected Automatically 

We may collect personal information automatically when you use our Services:

• Automatic Data Collection. We may collect certain information automatically when you use our Services, such as your Internet protocol (IP) address, user settings, MAC address, cookie identifiers, mobile carrier, mobile advertising and other unique identifiers, browser or device information, location information (including approximate location derived from IP address), and Internet service provider. We may also automatically collect information regarding your use of our Services, such as pages that you visit before, during and after using our Services, information about the links you click, the types of content you interact with, the frequency and duration of your activities, and other information about how you use our Services.
• Cookies, Pixel Tags/Web Beacons, and Other Technologies. We, as well as third parties that provide content, advertising, or other functionality on our Services, may use cookies, pixel tags, local storage, and other technologies (“Technologies”) to automatically collect information through your use of our Services.
• Cookies. Cookies are small text files placed in device browsers that store preferences and facilitate and enhance your experience.
• Pixel Tags/Web Beacons. A pixel tag (also known as a web beacon) is a piece of code embedded in our Services that collects information about engagement on our Services. The use of a pixel tag allows us to record, for example, that a user has visited a particular web page or clicked on a particular advertisement. We may also include web beacons in e-mails to understand whether messages have been opened, acted on, or forwarded.
  

Our uses of these Technologies fall into the following general categories:

• Operationally Necessary. This includes Technologies that allow you access to our Services, applications, and tools that are required to identify irregular website behavior, prevent fraudulent activity and improve security or that allow you to make use of our functionality;
• Performance-Related. We may use Technologies to assess the performance of our Services, including as part of our analytic practices to help us understand how individuals use our Services (see Analytics below). For example, we may track your activity on the Services, including recordings of your interactions with the Services;
• Functionality-Related. We may use Technologies that allow us to offer you enhanced functionality when accessing or using our Services. This may include identifying you when you sign into our Services or keeping track of your specified preferences, interests, or past items viewed;
• Advertising- or Targeting-Related. We may use first party or third-party Technologies to deliver content, including ads relevant to your interests, on our Services or on third-party websites.‍‍

‍See “Your Privacy Choices and Rights” below to understand your choices regarding these Technologies.

• Analytics. We may use Technologies and other third-party tools to process analytics information on our Services. Some of our analytics partners include:
  
• Google Analytics. For more information, please visit Google Analytics’ Privacy Policy. To learn more about how to opt-out of Google Analytics’ use of your information, please click here.
  
• Plaid. We may use Plaid Technologies, Inc. (“Plaid”), as a vendor to collect information about you, and you acknowledge and agree that the terms and conditions of Plaid’s privacy policy (found here: https://plaid.com/legal/#privacy-policy) will govern Plaid’s use of such information, and that you expressly agree to the terms and conditions of Plaid’s privacy policy. You hereby expressly grant Plaid the right, power, and authority to access and transmit your information as reasonably necessary for Plaid to provide its services to you in connection with your use of the Services.
• We may utilize Equifax with your authorization to assist with providing listings of your liability to assist with your net worth verification of your net worth for regulatory accreditation purposes. When utilizing you hereby expressly grant Equifax the right, power, and authority to access and transmit your information as reasonably necessary for Equifax to provide its services to you in connection with your use of the Services. More information on Equifax’s privacy policy is located at : https://www.equifax.com/privacy/privacy-statement
• Social Media Platforms. Our Services may contain social media buttons such as Discord, Telegram, Medium, Twitter, Instagram, Facebook, and LinkedIn (that might include widgets such as the “share this” button or other interactive mini programs). These features may collect your IP address, which page you are visiting on our Services, and may set a cookie to enable the feature to function properly. Your interactions with these platforms are governed by the privacy policy of the company providing it.
• When you visit our B2B website at https://advisors.usecache.com, cookies and similar technologies may be used by our online data partners or vendors to associate these activities with other personal information they or others have about you, including by association with your email or home address. We (or service providers on our behalf) may then send communications and marketing to these email or home addresses. You may opt out of receiving this advertising by visiting https://app.retention.com/optout.
  

C. Information Collected from Other Sources

We may obtain information about you from other sources, including through third-party services and organizations. For example, if you access our Services through a third-party application, such as an app store, a third-party login service, or a social networking site, we may collect information about you from that third-party application that you have made available via your privacy settings. 

3. HOW WE USE YOUR INFORMATION

We use your information for a variety of business purposes, including to provide our Services, for administrative purposes, and to market our products and Services, as described below.

A. Provide Our Services

We use your information to fulfill our contract with you and provide you with our Services, such as:

• To onboard you as a customer for the Services;
• When you use the Services, for identity verification, credit, AML, KYC checks, or other due diligence efforts;
• To provide the Services, including servicing, maintaining, and protecting your accounts and processing transactions in your accounts;
• To monitor, support, analyze, and improve the Services; 
• To engage in marketing, advertising, and tracking activities, and evaluate the efficacy of our efforts, 
• provided that, where required under applicable law, we will obtain your prior opt-in consent to send electronic marketing communications and/or our newsletter;
• To third-party contractors and service providers that provide services to us in the operation of our business and assistance with the Services, such as administrators, custodians, marketing and advertising companies, payment processors, consulting service organizations, IT and cloud service providers, among others;
• Managing your information and accounts;
• Providing access to certain areas, functionalities, and features of our Services;
• Answering requests for customer or technical support; 
• To fulfill our legal and regulatory requirements;
• Communicating with you about your account, activities on our Services, and policy changes;
• To comply with applicable law, such as to comply with a subpoena, or similar legal process, and when we believe in good faith that disclosure is necessary to protect our rights, protect your safety or the safety of others, investigate fraud, or respond to a government request;
• Processing applications if you apply for a job we post on our Services; and
• Allowing you to register for events.

We will take reasonable measures (e.g., by contract) to require that any party receiving any of your personal information from us, including for purposes of providing the Services, undertakes to: (i) retain and use such information only for the purposes set out in this Privacy Policy; (ii) not disclose your personal information except with your consent, as permitted by applicable law, or as permitted by this Privacy Policy; and (iii) generally protect the privacy of your personal information. Additionally, certain services may be provided through independent third parties, including but not limited to, clearing houses, that are not affiliated with Cache, and may operate under their own privacy policies.‍

B. Administrative Purposes

We use your information for various administrative purposes, such as:

• Pursuing our legitimate interests such as direct marketing, research and development (including marketing research), network and information security, and fraud prevention;
• Detecting security incidents, protecting against malicious, deceptive, fraudulent or illegal activity, and prosecuting those responsible for that activity;
• Measuring interest and engagement in our Services; 
• Short-term, transient use, such as contextual customization of ads;
• Improving, upgrading or enhancing our Services; 
• Developing new products and Services;
• Ensuring internal quality control and safety;
• Authenticating and verifying individual identities, including requests to exercise your rights under this policy;
• Debugging to identify and repair errors with our Services;
• Auditing relating to interactions, transactions and other compliance activities;
• Enforcing our agreements and policies; and
• Complying with our legal obligations.
  

C. Marketing and Advertising our Products and Services

We may use personal information to tailor and provide you with content and advertisements. We may provide you with these materials as permitted by applicable law. 

Some of the ways we market to you include email campaigns, custom audiences advertising.

If you have any questions about our marketing practices, you may contact us at any time as set forth in “Contact Us” below. 

We may contact you by email to provide information regarding events, products, services, and content that may be of interest to you, unless you inform us that you do not wish to receive marketing communications from us. If applicable law requires that we receive your consent before we send you certain types of marketing communications, we will only send you those types of communications after receiving your consent.

You can request that we stop processing your PI for marketing purposes at any time by clicking on marketing opt-out links in any electronic marketing materials we send you, by making a request to your usual Cache contact, or by emailing compliance@usecache.com with the subject line: Marketing Opt-Out.

D. Payment Information

In order to use our Services, you may be required to provide our third-party payment processor(s) such as Plaid (each a “Payment Processor”) with certain credit or debit card information, ACH transfer information, bank account information, or wiring instructions (collectively, the “Payment Information”). We do not obtain access to the Payment Information. Our Payment Processor(s) will collect on our behalf information about your payment for Services (“Transaction Information”). By using the Services, you acknowledge and agree that if and to the extent your Payment Information, Transaction Information, and/or any other information is collected by or transferred to Plaid, or any other Payment Processor, such information will be governed by its applicable privacy policy, and that you expressly agree to the terms of such privacy policy. You hereby expressly grant us the right, power, and authority to access and transmit your information as reasonably necessary for the Payment Processor(s) to provide its services to you in connection with your use of our Services.

E. Other Purposes

We also use your information for other purposes as requested by you or as permitted by applicable law.

• ‍Consent. We may use personal information for other purposes that are clearly disclosed to you at the time you provide personal information or with your consent.
• De-identified and Aggregated Information. We may use personal information and other information about you to create de-identified and/or aggregated information, such as de-identified demographic information, information about the device from which you access our Services, or other analyses we create.
• Share Content with Friends or Colleagues. Our Services may offer various tools and functionalities. For example, we may allow you to provide information about your friends through our referral services. Our referral services may allow you to forward or share certain content with a friend or colleague, such as an email inviting your friend to use our Services. Please only share with us contact information of people with whom you have a relationship (e.g., relative, friend neighbor, or co-worker).

4. HOW WE DISCLOSE YOUR INFORMATION

We disclose your information to third parties for a variety of business purposes, including to provide our Services, to protect us or others, or in the event of a major business transaction such as a merger, sale, or asset transfer, as described below.

A. Disclosures to Provide our Services

The categories of third parties with whom we may share your information are described below.

Advisory Firms. If you have a relationship with an advisory firm or financial advisor by agreeing to our privacy policy you acknowledge and authorize the referring advisor to receive access to your financial information and that you are authorizing us to grant the advisors and any of their service providers access to view your financial information. Furthermore, we will continue to allow them access until you revoke this consent. Service Providers. We may share your personal information with our third-party service providers who use that information to help us provide our Services. This includes, but is not limited to, service providers that provide us with brokerage and custodial services, administrative support, marketing support, IT support, hosting, payment processing, customer service, and related services.   Service Providers. We may share your personal information with our third-party service providers who use that information to help us provide our Services. This includes, but is not limited to, service providers that provide us with brokerage and custodial services, administrative support, marketing support, IT support, hosting, payment processing, customer service, and related services.

Service Providers. We may share your personal information with our third-party service providers who use that information to help us provide our Services. This includes, but is not limited to, service providers that provide us with brokerage and custodial services, administrative support, marketing support, IT support, hosting, payment processing, customer service, and related services. We will not share your opt-in to an SMS short code campaign with a third party for purposes unrelated to supporting you in connection with that campaign. We may share your Personal Data with third parties that help us provide the messaging service, including, but not limited to, platform providers, phone companies, and other vendors who assist us in the delivery of text messages. However, if we do so, their use and disclosure of your Personal Data will be subject to this Policy. All the above categories exclude text messaging originator opt-in data and consent; this information will not be shared with third parties for marketing purposes. 

• ‍Business Partners. We may provide personal information to business partners with whom we jointly offer products or services. In such cases, our business partner’s name will appear along with ours.
• Affiliates. We may share your personal information with members of our corporate family, subsidiaries, or other companies under common control with us. (“Affiliates”). 
• Advertising Partners. To the extent applicable, we may share your personal information with third-party advertising partners. These third-party advertising partners may set Technologies and other tracking tools on our Services to collect information regarding your activities and your device (e.g., your IP address, cookie identifiers, page(s) visited, location, time of day). These advertising partners may use this information (and similar information collected from other services) for purposes of delivering personalized advertisements to you when you visit digital properties within their networks. This practice is commonly referred to as “interest-based advertising” or “personalized advertising.” 
• APIs/SDKs. We may use third-party Application Program Interfaces (“APIs”) and Software Development Kits (“SDKs”) as part of the functionality of our Services. For more information about our use of APIs and SDKs, please contact us as set forth in “Contact Us” below.

B. Disclosures to Protect Us or Others

We may access, preserve, and disclose any information we store associated with you to external parties if we, in good faith, believe doing so is required or appropriate to: comply with law enforcement or national security requests and legal process, such as a court order or subpoena; protect your, our, or others’ rights, property, or safety; enforce our policies or contracts; collect amounts owed to us; or assist with an investigation or prosecution of suspected or actual illegal activity.

C. Disclosure in the Event of Merger, Sale, or Other Asset Transfers

If we are involved in a merger, acquisition, financing due diligence, reorganization, bankruptcy, receivership, purchase or sale of assets, or transition of service to another provider, your information may be sold or transferred as part of such a transaction.

5. YOUR PRIVACY CHOICES AND RIGHTS

Your Privacy Choices. The privacy choices you may have about your personal information are determined by applicable law and are described below.‍

• Email and Telephone Communications. If you receive an unwanted email from us, you can use the unsubscribe link found at the bottom of the email to opt out of receiving future emails. Note that you will continue to receive transaction-related emails regarding products or Services you have requested. We may also send you certain non-promotional communications regarding us and our Services, and you will not be able to opt out of those communications (e.g., communications regarding our Services or updates to our Terms of Service or this Privacy Policy). 

We process requests to be placed on do-not-mail, do-not-phone, and do-not-contact lists as required by applicable law.

• “Do Not Track.” Do Not Track (“DNT”) is a privacy preference that users can set in certain web browsers. Please note that we do not respond to or honor DNT signals or similar mechanisms transmitted by web browsers.
• Cookies and Interest-Based Advertising. You may stop or restrict the placement of Technologies on your device or remove them by adjusting your preferences as your browser or device permits. However, if you adjust your preferences, our Services may not work properly. Please note that cookie-based opt-outs are not effective on mobile applications. However, you may opt-out of personalized advertisements on some mobile applications by following the instructions for Android, iOS and others.
  

The online advertising industry also provides websites from which you may opt out of receiving targeted ads from data partners and other advertising partners that participate in self-regulatory programs. You can access these and learn more about targeted advertising and consumer choice and privacy by visiting the Network Advertising Initiative, the Digital Advertising Alliance, the European Digital Advertising Alliance, and the Digital Advertising Alliance of Canada. 

Please note you must separately opt out in each browser and on each device. 

Your Privacy Rights. In accordance with applicable law, you may have the right to:

• Access Personal Information about you, including: (i) confirming whether we are processing your personal information; (ii) obtaining access to or a copy of your personal information in a structured, commonly used, and machine readable format; and (iii) receiving an electronic copy of personal information that you have provided to us, or asking us to send that information to another company in a structured, commonly used, and machine readable format (the “right of data portability”);
• Request Correction of your personal information where it is inaccurate or incomplete. In some cases, we may provide self-service tools that enable you to update your personal information;
• Request Deletion of your personal information; 
• Request Restriction of or Object to our processing of your personal information; and 
• Withdraw your Consent to our processing of your personal information. 
  

If you would like to exercise any of these rights, please contact us by contacting compliance@usecache.com We will process such requests in accordance with applicable laws.

6. SECURITY OF YOUR INFORMATION

We take commercially reasonable steps to ensure that your information is treated securely and in accordance with this Privacy Policy. Unfortunately, no system is 100% secure, and we cannot ensure or warrant the security of any information you provide to us. We have taken appropriate safeguards to require that your personal information will remain protected and require our third-party service providers and partners to have appropriate safeguards as well. To the fullest extent permitted by applicable law, we do not accept liability for unauthorized disclosure.

By using our Services or providing personal information to us, you agree that we may communicate with you electronically regarding security, privacy, and administrative issues relating to your use of our Services. If we learn of a security system’s breach, we may attempt to notify you electronically by posting a notice on our Services, by mail or by sending an email to you.

7. INTERNATIONAL DATA TRANSFERS 

Our U.S.-based Services are generally hosted in the United States, although we may work with service providers in other jurisdictions from time to time. Therefore, when you disclose your PI to us, your PI may be transferred outside of the jurisdiction in which you resideAll information processed by us may be transferred, processed, and stored anywhere in the world, including, but not limited to, the United States or other countries, which may have data protection laws that are different from the laws where you live. We endeavor to safeguard your information consistent with the requirements of applicable laws.

If we transfer personal information to countries outside the European Economic Area, we will put in place appropriate safeguards to ensure that this transfer complies with the applicable laws and regulations. For more information about these safeguards, please contact us as set forth below.

8. RETENTION OF PERSONAL INFORMATION 

We store the personal information we collect as described in this Privacy Policy for as long as you use our Services or as necessary to fulfill the purpose(s) for which it was collected, provide our Services, resolve disputes, establish legal defenses, conduct audits, pursue legitimate business purposes, enforce our agreements, and comply with applicable laws.

9. SUPPLEMENTAL NOTICE FOR CALIFORNIA RESIDENTS

This Supplemental California Privacy Notice only applies to our processing of personal information that is subject to the California Consumer Privacy Act of 2018 (“CCPA”). The CCPA provides California residents with the right to know what categories of personal information Cache has collected about them and whether Cache disclosed that personal information for a business purpose (e.g., to a service provider) in the preceding 12 months. California residents can find this information below:

The above charts included in this Privacy Notice provide the following information about our collection of Personal Information:

Consumer Personal Informationsome text

• The categories of Consumer Personal Information we have collected
• The categories of sources from which the Consumer Personal Information was collected
• Our business or commercial purposes for collecting, selling, or sharing Consumer Personal Information
• The categories of recipients to whom we disclosed Consumer Personal Information

Applicant and Employee Personal Informationsome text

• The categories of Applicant and Employee Personal Information we have collected
• The categories of sources from which the Applicant and Employee Personal Information was collected
• Our business or commercial purposes for collecting Applicant and Employee Personal Information
• The categories of recipients to whom we disclosed Applicant and Employee Personal Information

You may also submit a request to access the specific pieces of Personal Information we have collected about you.

“Personal Information We Collect” and “How We Use Your Personal Information” are listed above, respectively. 

Right to Know About Personal Information ‍

You may also have the right to request deletion of your personal information. We will honor such a request, but might not be able to fulfill your request if we (or our service providers) are required to retain your personal information. Examples of such exceptions are:

• Completing a transaction or performing a contract we have with you; 
• Detecting and addressing data security incidents, and repairing or upkeep of our IT systems;
• Protecting against fraud or other illegal activity; 
• Complying with applicable law or a legal obligation, or to exercise rights under the law (e.g. the right to free speech); or
• Using your Personal Information internally to improve our Services.

Disclosures of Personal Information under the CCPA

Cache does not sell your personal information and has not done so over the last 12 months. However, if you elect to do so, we may disclose your information to our partners. To the extent that such disclosure is, for legal purposes, deemed to be a “sale” under the CCPA, you may opt-out of having your information disclosed by not opting in to disclose your information, disabling third-party cookies on your device, or by contacting us as set forth in “Contact Us” below. 

Opt-out. California residents may opt-out of the disclosure of their personal information to our partners by contacting us as set forth in “Contact Us” below.

Additional Privacy Rights for California Residents 

Non-Discrimination. California residents have the right not to receive discriminatory treatment by us for the exercise of their rights conferred by the CCPA. We will not (i) deny you products or services, (ii) charge you different prices or rates for products or services, including through granting discounts or other benefits, or imposing penalties, (iii) provide you a different level or quality of products or services, and (iv) suggest that you may receive a different price or rate for products or services or a different level or quality of products or services.

Authorized Agent. Only you, or someone legally authorized to act on your behalf, may make a verifiable consumer request related to your personal information. You may also make a verifiable consumer request on behalf of your minor child. To designate an authorized agent, please contact us as set forth in “Contact Us” below and provide written authorization signed by you and your designated agent.

Verification. To protect your privacy, we will take the following steps to verify your identity before fulfilling your request. When you make a request, we will ask you to provide sufficient information that allows us to reasonably verify you are the person about whom we collected personal information or an authorized representative, which may include asking you to answer questions regarding your account and use of our Services. We cannot respond to your request or provide you with personal information if we cannot verify your identity or authority to make the request and confirm the personal information related to you. Making a verifiable consumer request does not require you to create an account with us. 

We will confirm receipt of a verifiable consumer request within then (10) business days of its receipt. We will endeavor to respond to a verifiable consumer request within forty-five (45) calendar days of its receipt. If we require more time, we will notify you of the extension and provide an explanation of the reason for the extension in writing, and we will provide you with a response no later than ninety (90) calendar days of receipt of the request. If you have an account with us, we will deliver our written response to that account. If you do not have an account with us, we will deliver our written response by mail or electronically at your option. The response we provide will also explain the reasons we cannot comply with a request, if applicable. For data portability requests, we will select a format to provide your personal information that is readily usable and should allow you to transmit the information from one entity to another entity without hindrance. 

We may charge a reasonable fee to process or respond to your verifiable consumer requests if they are excessive, repetitive, or manifestly unfounded. If we determine that the request warrants a fee, we will inform you of the reasons for this decision and provide you with a cost estimate before completing your request.

If you are a California resident and would like to exercise any of your rights under the CCPA, please contact us by contacting compliance at compliance@usecache.com low. We will process such requests in accordance with applicable laws.

California Shine the Light

California Civil Code Section 1798.83, also known as the “Shine the Light” law, permits California residents who have an established business relationship with a business to annually request, free of charge, information about certain categories of PI a business has disclosed to third parties for those parties’ direct marketing purposes in the preceding calendar year. We do not share PI with third parties for their marketing purposes.

10. SUPPLEMENTAL NOTICE FOR NEVADA RESIDENTS

If you are a resident of Nevada, you have the right to opt-out of the sale of certain personal information to third parties. You can exercise this right by contacting us at support@usecache.com with the subject line “Nevada Do Not Sell Request” and providing us with your name and the email address associated with your account. Please note that we do not currently sell your personal information as sales are defined in Nevada Revised Statutes Chapter 603A. If you have any questions, please contact us as set forth below.

11. CHILDREN’S INFORMATION

The Services are not directed to children under 16 (or other age as required by local law), and we do not knowingly collect personal information from children. We do not sell the PI of minors.

If you are a parent or guardian and believe your child has uploaded personal information to our site without your consent, you may contact us as compliance@usecache.com below. If we become aware that a child has provided us with personal information in violation of applicable law, we will delete any personal information we have collected, unless we have a legal obligation to keep it, and terminate the child’s account if applicable.

12. OTHER PROVISIONS

‍‍Third-Party Websites/Applications. The Services may contain links to other websites/applications and other websites/applications may reference or link to our Services. These third-party services are not controlled by us. We encourage our users to read the privacy policies of each website and application with which they interact. We do not endorse, screen or approve, and are not responsible for, the privacy practices or content of such other websites or applications. Providing personal information to third-party websites or applications is at your own risk.

Supervisory Authority. If you are located in the European Economic Area, Switzerland, the United Kingdom or Brazil, you have the right to lodge a complaint with a supervisory authority if you believe our processing of your personal information violates applicable law.

Changes to our Privacy Policy. We may revise this Privacy Policy from time to time in our sole discretion, and will post changes on the Services as soon as they go into effect. If there are any material changes to this Privacy Policy, we will notify you as required by applicable law. You understand and agree that you will be deemed to have accepted the updated Privacy Policy if you continue to use our Services after the new Privacy Policy takes effect.

13. CONTACT US 

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

Cache Financials, Inc.
‍Attn: Legal
Address: 95 Third St, 2^nd Floor
San Francisco, CA - 94103
Email: legal@usecache.com