Privacy Policy

Effective Date: January 1, 2025

Last Updated: October 1, 2025

1. Introduction

Welcome to CashFro. Your privacy is important to us, and we are committed to protecting your personal information. This Privacy Policy describes how Gsente LLC (“CashFro,” “we,” “our,” or “us”) collects, uses, stores, and shares your information when you visit our website (https://cashfro.com), use our mobile application, or interact with our services.

By using our website or services, you agree to this Privacy Policy. If you do not agree, you should stop using our services immediately.

2. Information We Collect

We collect information to operate effectively, improve our services, and keep your account secure.

A. Information You Provide

• Personal Data: Name, email, phone number, mailing address, date of birth.
• Financial Data: Bank account details, payment card information, transaction history.
• Identity Verification Data: Government-issued ID, Social Security Number (SSN).
• ROSCA Participation Data: Group membership, contributions, and payout schedules.

B. Information We Automatically Collect

• Device Data: IP address, browser type, operating system, device identifiers.
• Usage Data: Pages visited, actions taken, time spent on site/app.
• Cookies & Tracking: We use cookies, pixels, and analytics tools to enhance user experience.

C. Information from Third Parties

• Credit Bureaus: Credit data when you opt into credit-building features.
• Payment Processors: Transaction confirmations (success or failure).
• Identity Verification Partners: For fraud prevention and KYC checks.

3. How We Use Your Information

• Provide and manage CashFro group services.
• Process and verify payments.
• Report credit activity to credit bureaus (with your consent).
• Verify identity and prevent fraud.
• Communicate important updates and notices.
• Comply with legal and regulatory requirements.
• Improve our website, app, and services.

4. How We Share Your Information

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

• Service Providers: Payment processors, cloud hosting, analytics providers, KYC partners.
• Regulatory Authorities: To comply with laws or lawful requests.
• Business Transfers: In case of a merger, acquisition, or sale of assets.

5. Cookies and Tracking

• Save your preferences.
• Authenticate sessions.
• Analyze and improve site performance.

You can control cookies through your browser settings. Disabling them may impact functionality.

6. Data Security

We use encryption, secure servers, and strict access controls to safeguard your data.

7. Data Retention & Deletion

We retain your data only as long as necessary to:

• Provide the services described.
• Meet legal, tax, and regulatory requirements.
• Resolve disputes and enforce agreements.

To successfully delete your data or close your CashFro account, you must satisfy the following conditions:

• There should be no pending transactions in your account.
• Your CashFro balance should be $0.00.
• You should have no active group memberships.

Upon successful deletion or closure of your CashFro account, we may retain your data for a period not less than 10 years to meet our compliance obligations. Within that period, you may not be able to open a new account using the same personal data.

8. Your Privacy Rights & Opt-Out Options

Depending on your location, you may have the following rights:

• Access: Request a copy of the personal data we hold about you.
• Correction: Request updates or corrections to inaccurate data.
• Deletion: Request deletion of your personal information.
• Data Portability: Request a portable copy of your data.
• Opt-Out of Data Sharing: You may opt out of credit bureau reporting, marketing emails, and targeted advertising.
• Opt-Out of Services: You may request to close your account and stop all data processing, subject to legal and regulatory retention requirements.

To exercise these rights, please contact us at contact@cashfro.com. We will respond to requests within a reasonable timeframe as required by law.

9. Children’s Privacy

CashFro is not directed to individuals under 18. We do not knowingly collect information from children. If we discover such data, it will be deleted.

10. Third-Party Links

Our site or app may link to external websites. We are not responsible for their privacy practices. Please review their policies before providing information.

11. Changes to This Policy

We may update this Privacy Policy from time to time. Updates will be posted with a revised Effective Date. If changes are significant, we may notify you by email or in-app notification.

12. Contact Us

For questions or to exercise your rights, please contact us:

CashFro (Gsente LLC)
Email: contact@cashfro.com
Address: 3750 Blake St, Denver, CO 80205