Privacy Policy

Your privacy matters to us. This policy explains how Cashentra collects, uses, and protects your personal and financial information.

Last Updated: March 1, 2026

Cashentra LLC ("Cashentra," "we," "us," or "our") operates the website located at cashentra.com and the Cashentra Adaptive Financial Intelligence Platform (collectively, the "Service"). This Privacy Policy describes how we collect, use, disclose, and protect information that applies to our Service, and your choices regarding the collection and use of your information.

By accessing or using the Service, you agree to the collection and use of information in accordance with this Privacy Policy. If you do not agree with the terms of this Privacy Policy, please do not access or use the Service.

1. Information We Collect

We collect several types of information to provide and improve our Service. The categories of information we collect include the following:

1.1 Account Information

When you create an account with Cashentra, we collect personal information that you voluntarily provide, including but not limited to:

  • Full name
  • Email address
  • Phone number
  • Business name and address
  • Business type and industry
  • Billing address and payment information
  • Tax identification number (EIN or SSN), when required for financial services

1.2 Financial Data

As a financial intelligence platform, Cashentra processes financial data to deliver our core services. This may include:

  • Bank account and routing information (for account linking purposes)
  • Transaction history and records
  • Income and expense data
  • Invoices, receipts, and financial documents you upload
  • Cash flow, revenue, and profit data
  • Financial projections and budgets created within the platform
  • Payroll data (if applicable to your plan)

We treat all financial data with the highest level of confidentiality and security. We do not sell your financial data to third parties under any circumstances.

1.3 Usage Data

We automatically collect certain information when you access and use the Service, including:

  • IP address and approximate geographic location
  • Browser type and version
  • Operating system
  • Device type and screen resolution
  • Pages visited and features used within the platform
  • Date and time of access
  • Referring website or URL
  • Click patterns and navigation behavior
  • Session duration and frequency of visits

1.4 Cookies and Tracking Technologies

Cashentra uses cookies and similar tracking technologies to enhance your experience, analyze usage patterns, and deliver relevant content. These include:

  • Essential Cookies: Required for the Service to function properly, including session management and security features.
  • Analytics Cookies: Help us understand how users interact with the Service so we can improve performance and usability.
  • Functional Cookies: Remember your preferences and settings to personalize your experience.
  • Marketing Cookies: Used to deliver relevant advertisements and measure the effectiveness of our marketing campaigns.

You can control cookie preferences through your browser settings or through our cookie consent banner. Please note that disabling certain cookies may limit your ability to use some features of the Service.

2. How We Use Your Information

We use the information we collect for the following purposes:

  • Providing the Service: To operate, maintain, and deliver the features and functionality of the Cashentra platform, including financial analysis, reporting, AI-powered insights, and Virtual CFO services.
  • Account Management: To create and manage your account, process payments and subscriptions, and communicate with you about your account status.
  • Personalization: To customize your experience, tailor financial insights and recommendations, and adapt the platform to your specific business needs through our Adaptive Build Layer.
  • Communication: To send you important notices, updates, security alerts, and support messages. With your consent, we may also send marketing communications and newsletters.
  • Analytics and Improvement: To analyze usage trends, monitor the effectiveness of our Service, diagnose technical issues, and develop new features.
  • Security: To detect, prevent, and address fraud, unauthorized access, and other illegal activities, as well as to protect the rights and safety of Cashentra and our users.
  • Legal Compliance: To comply with applicable laws, regulations, legal processes, and governmental requests.
  • Customer Support: To respond to your inquiries, troubleshoot issues, and provide live chat and Virtual CFO support.

3. Data Security Measures

Cashentra takes the security of your data seriously. We implement robust technical, administrative, and organizational measures to protect your personal and financial information against unauthorized access, alteration, disclosure, or destruction.

3.1 Encryption

All data transmitted between your device and our servers is encrypted using industry-standard TLS (Transport Layer Security) encryption. Data stored on our servers is encrypted at rest using 256-bit AES (Advanced Encryption Standard) encryption. Sensitive financial credentials are additionally encrypted with unique per-user encryption keys.

3.2 Secure Infrastructure

Our platform is hosted on SOC 2 Type II compliant infrastructure located within the United States. We employ firewalls, intrusion detection systems, and continuous monitoring to safeguard our servers. Access to production systems is restricted to authorized personnel through multi-factor authentication and role-based access controls.

3.3 Regular Security Audits

We conduct regular security audits, vulnerability assessments, and penetration testing through independent third-party security firms. Our security practices are continuously reviewed and updated to address emerging threats and maintain compliance with industry standards.

3.4 Employee Access Controls

Access to user data is limited to Cashentra employees who require it to perform their job duties. All employees undergo background checks and are bound by strict confidentiality obligations. We follow the principle of least privilege to ensure that no individual has more access than necessary.

While we strive to protect your information using commercially acceptable measures, no method of electronic transmission or storage is 100% secure. We cannot guarantee absolute security, but we are committed to promptly addressing any security incidents and notifying affected users in accordance with applicable law.

4. Third-Party Services

Cashentra integrates with and may share limited information with third-party services to deliver the full functionality of our platform. These third-party services include:

  • Payment Processors: We use third-party payment processors to handle subscription billing and payment transactions. These processors are PCI-DSS compliant and do not store, process, or transmit your payment information on our behalf beyond what is necessary to complete transactions.
  • Banking Data Providers: To facilitate bank account linking and transaction syncing, we partner with trusted financial data aggregators that comply with industry security standards.
  • Analytics Providers: We use analytics tools to understand how users interact with the Service. These providers collect anonymized usage data and do not have access to your personal financial information.
  • Communication Services: We use email service providers and live chat tools to communicate with you. These providers process your contact information solely to deliver messages on our behalf.
  • Cloud Infrastructure: Our Service is hosted on secure cloud infrastructure providers within the United States that maintain SOC 2 compliance.

We require all third-party service providers to maintain appropriate security measures and to process your information only as directed by Cashentra. We do not sell, rent, or trade your personal or financial information to third parties for their own marketing purposes.

5. Data Retention

We retain your personal and financial information for as long as your account is active or as needed to provide you with the Service. Specifically:

  • Account Data: Retained for the duration of your active subscription and for a period of 30 days following account closure, to allow for account reactivation if requested.
  • Financial Data: Retained for the duration of your active subscription. Upon account closure, financial data is securely deleted within 90 days, unless a longer retention period is required by law or regulation.
  • Usage Data: Retained in anonymized form for up to 24 months for analytics and product improvement purposes.
  • Billing Records: Retained for a minimum of 7 years in compliance with applicable tax and financial record-keeping requirements.
  • Communication Records: Customer support correspondence is retained for up to 3 years following resolution to ensure continuity of service.

When data is no longer needed for its intended purpose or when you request deletion, we will securely erase or anonymize it using industry-standard methods. You may request earlier deletion of your data at any time by contacting us.

6. Your Rights

Depending on your location and applicable laws, you may have certain rights regarding your personal information. Cashentra is committed to honoring these rights and making it easy for you to exercise them.

6.1 Right to Access

You have the right to request a copy of the personal information we hold about you. We will provide this information in a commonly used, machine-readable format within 30 days of receiving your verified request.

6.2 Right to Correction

If any personal information we hold about you is inaccurate or incomplete, you have the right to request its correction. You can update much of your information directly through your Cashentra account settings, or you may contact us for assistance.

6.3 Right to Deletion

You have the right to request the deletion of your personal information, subject to certain legal exceptions. Upon receiving a verified deletion request, we will delete your personal information from our active systems within 30 days and from backup systems within 90 days, unless retention is required by law.

6.4 Right to Data Portability

You have the right to request that we transfer your personal and financial data to another service provider in a structured, commonly used, and machine-readable format, where technically feasible.

6.5 Right to Opt Out of Marketing

You may opt out of receiving marketing communications at any time by clicking the "unsubscribe" link in any marketing email, adjusting your notification preferences in your account settings, or contacting us directly. Please note that even if you opt out of marketing communications, we may still send you transactional or service-related messages.

6.6 Right to Restrict Processing

In certain circumstances, you have the right to request that we restrict the processing of your personal information. When processing is restricted, we will store your information but will not process it further without your consent, except where required by law.

To exercise any of these rights, please contact us using the information provided in the "Contact Information" section below. We may need to verify your identity before processing your request. We will respond to all legitimate requests within 30 days.

7. Children's Privacy

The Cashentra Service is not intended for use by individuals under the age of 18. We do not knowingly collect personal information from children under the age of 13 (or the applicable age of consent in your jurisdiction). If we become aware that we have inadvertently collected personal information from a child under 13, we will take steps to delete such information as promptly as possible.

If you are a parent or guardian and believe your child has provided personal information to Cashentra, please contact us immediately using the contact information below, and we will work to remove that information from our systems.

8. California Privacy Rights (CCPA)

If you are a California resident, the California Consumer Privacy Act (CCPA) and the California Privacy Rights Act (CPRA) provide you with specific rights regarding your personal information. This section describes those rights and how to exercise them.

8.1 Right to Know

You have the right to request that Cashentra disclose the categories and specific pieces of personal information we have collected about you, the categories of sources from which your information was collected, the business or commercial purpose for collecting your information, and the categories of third parties with whom we share your information.

8.2 Right to Delete

You have the right to request the deletion of personal information we have collected from you, subject to certain exceptions provided by law (for example, if the information is necessary to complete a transaction or comply with a legal obligation).

8.3 Right to Opt Out of Sale

Cashentra does not sell your personal information. We have not sold personal information in the preceding 12 months and do not intend to do so. If this practice ever changes, we will update this Privacy Policy and provide a clear opt-out mechanism.

8.4 Right to Non-Discrimination

We will not discriminate against you for exercising your CCPA rights. We will not deny you goods or services, charge you different prices, provide a different level of quality, or suggest that you will receive a different level of service for exercising your privacy rights.

8.5 How to Submit a CCPA Request

To exercise your rights under the CCPA, you may contact us at privacy@cashentra.com or by using the contact information provided below. We will verify your identity before processing your request and will respond within 45 days, as required by law. You may also designate an authorized agent to submit a request on your behalf.

9. Changes to This Privacy Policy

Cashentra reserves the right to update or modify this Privacy Policy at any time. When we make changes, we will update the "Last Updated" date at the top of this page and, where appropriate, notify you via email or through a prominent notice within the Service.

We encourage you to review this Privacy Policy periodically to stay informed about how we are protecting your information. Your continued use of the Service after any changes to this Privacy Policy constitutes your acceptance of those changes.

For material changes that significantly affect how we handle your personal information, we will provide at least 30 days' notice before the changes take effect. If you disagree with the revised policy, you may close your account by contacting our support team.

10. Contact Information

If you have any questions, concerns, or requests regarding this Privacy Policy or our data practices, please contact us:

We aim to respond to all privacy-related inquiries within 5 business days. For requests regarding your data rights, we will respond within 30 days as required by applicable law.