Privacy Policy

We receive limited information from third-party services:

• Affiliate Networks: Conversion data, earnings amounts, transaction IDs for attribution purposes
• Payment Processor: Subscription status, payment confirmations, billing events for Pro subscriptions
• Bank Transfer Providers: Payout confirmation status and transaction references

We use the information we collect for the following purposes:

• Platform Operation: To provide and operate the Cashoy platform and its features
• Payment Processing: To process your earnings and send payouts to your bank account
• Subscription Management: To process Pro subscription payments, manage billing cycles, and provide access to Pro features
• Referral Tracking: To track referrals, calculate referral commissions, and attribute referred users to your account
• Conversion Tracking: To track clicks on affiliate links and attribute conversions to your account
• Transactional Communications: To send emails about payout confirmations, account changes, and important platform updates
• Marketing Communications: To send promotional emails about new offers and features (only if you opt in)
• Fraud Prevention: To detect and prevent fraudulent activity, spam, and terms violations
• Service Improvement: To analyze usage patterns and improve our platform's performance and features
• Legal Compliance: To comply with applicable laws, regulations, and legal processes
• Customer Support: To respond to your questions, concerns, and support requests

We may disclose your information if required to do so:

• To comply with applicable laws, regulations, or valid legal processes
• To protect and defend our rights, property, or safety and that of our users
• In connection with a business transfer, merger, acquisition, or sale of assets

When you click on affiliate links generated through Cashoy, we track certain information to attribute conversions to your account:

• IP address (for fraud detection and geographic analysis)
• User agent (browser and device information)
• Referrer URL (where the click originated)
• Timestamp

This data is used solely for conversion tracking and fraud prevention. We do not use it for advertising or share it with third parties except for conversion attribution purposes.

We retain different types of data for varying periods based on legal and operational requirements:

• Account Data: Kept while your account is active, plus 2 years after account deletion (for legal and fraud prevention purposes)
• Click Data: Retained for 2 years from the date of click
• Conversion & Earnings Data: Retained for 7 years (for tax reporting and legal compliance)
• Contact Form Messages: Retained for 1 year
• Payment Records: Retained for 7 years (for tax and financial record-keeping)
• Subscription & Billing Data: Retained for 7 years after subscription ends (for tax and financial record-keeping)
• Referral Data: Retained for 2 years after referral relationship expires (12 months from referred user sign-up)
• Bank Account Details: Retained while your account is active; deleted within 30 days of account deletion (unless required for pending payouts or legal compliance)

You can request deletion of your data at any time (see Your Rights section). However, we may be required to retain certain data for legal compliance even after deletion requests.

We implement industry-standard security measures to protect your information:

• Password Security: All passwords are hashed using bcrypt; we never store passwords in plain text
• Encryption in Transit: All data transmitted between your browser and our servers is encrypted using HTTPS/TLS
• Payment Security: Subscription payments are processed securely through our payment processor; we never store your full credit card details on our servers
• Bank Details Protection: Bank account information is encrypted at rest and access is strictly limited to authorized payment processing systems
• Database Access: Access to our databases is restricted to authorized personnel only
• Regular Security Reviews: We conduct regular security assessments and updates to our infrastructure
• Secure Hosting: Our data is hosted on secure, enterprise-grade infrastructure

Important: While we implement strong security measures, no system can guarantee 100% security. You are responsible for keeping your password confidential and logging out of shared devices.

If you are a California resident, you have the following rights under the California Consumer Privacy Act (CCPA):

• Right to Know: Request disclosure of what personal information we collect, use, and share
• Right to Delete: Request deletion of your personal information (subject to certain exceptions)
• Right to Opt-Out: Opt out of the sale of personal information (note: we do not sell your data)
• Non-Discrimination: We will not discriminate against you for exercising your CCPA rights

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

Operating Location: Cashoy operates from Queensland, Australia.

Data Processing Locations: Your data may be processed and stored in the following locations:

• Australia (primary data storage and hosting)
• United States (payment processing and cloud services)

We ensure that appropriate safeguards are in place for international data transfers, including:

• Using service providers that comply with international data protection standards
• Implementing contractual protections with our service providers
• Ensuring data is encrypted in transit and at rest

By using Cashoy, you consent to the transfer and processing of your data in these locations.

Age Requirement: Cashoy is not intended for use by individuals under 18 years of age. Our Terms of Service require all users to be at least 18 years old.

No Knowing Collection: We do not knowingly collect personal information from children under 18. If we discover that we have inadvertently collected data from a minor, we will delete it promptly.

Parental Notification: If you are a parent or guardian and believe your child has provided us with personal information, please contact us at [email protected] and we will delete the information.

Our platform contains affiliate links to third-party advertiser websites and services. When you click on these links, you will be directed to external sites that are not operated by Cashoy.

Not Responsible: We are not responsible for the privacy practices, content, or security of third-party websites. Each advertiser has their own privacy policy and terms of service.

Review Their Policies: We strongly encourage you to review the privacy policies of any third-party sites you visit before providing them with personal information.

We may update this Privacy Policy from time to time to reflect changes in our practices, technology, legal requirements, or other factors.

How We Notify You: When we make material changes to this policy, we will:

• Send an email notification to the address associated with your account
• Post a prominent notice on our platform
• Update the "Last Updated" date at the top of this page

Acceptance: Your continued use of Cashoy after we make changes to this policy indicates your acceptance of the updated Privacy Policy. If you do not agree with the changes, you should stop using the platform and close your account.

We encourage you to review this Privacy Policy periodically to stay informed about how we protect your information.

If you have any questions, concerns, or requests regarding this Privacy Policy or how we handle your personal information, please contact us:

We will make reasonable efforts to respond to your inquiry within 2-3 business days.