Privacy Policy

1. Introduction

Cash Compasses ("Cash Compasses", "we", "us" or "our") operates this website and provides personal loans, credit loans, mortgage loans, wealth and investment planning, tax advisory and insurance services. This Privacy Policy explains what personal information we collect when you visit our website, contact our team or apply for a product, why we collect it, how it is protected and what rights you have over it.

We are based at 8750 Doral Park Wy, Doral, FL 33178, USA and can be reached at contact@cashcompasses.com or +1 800-627-3999. By using this website or submitting information to us, you acknowledge the practices described in this policy.

2. Information we collect

Information you give us

• Contact details — name, email address, phone number, mailing address and preferred contact times.
• Enquiry details — the service you are interested in, the amount you are considering, and any message or documents you share with us.
• Application information — where you proceed with a product, this may include employment and income details, identification documents, financial statements, and other information required by lenders, insurers or regulators.
• Newsletter preferences — the email address you subscribe with and the topics you select.

Information we collect automatically

When you browse our website we may collect standard technical information such as IP address, browser type and version, device type, referring pages and the pages you view. This information is used in aggregate to keep the site secure and to understand which content is useful to visitors.

Information from third parties

With your consent or where permitted by law, we may receive information from credit reporting agencies, identity verification providers, lenders, insurance carriers, employers and other professional advisers involved in delivering a service you have requested.

3. How we use your information

We use personal information to:

• Respond to your enquiry and arrange a consultation with the appropriate specialist.
• Assess eligibility, pre-qualify applications and prepare comparisons across lenders or providers.
• Arrange, administer and service products you apply for, including communication with lenders, carriers and counterparties.
• Meet legal, regulatory, anti-money-laundering, tax reporting and record-keeping obligations.
• Send you newsletters and marketing communications where you have subscribed or where we have a legitimate interest and you have not opted out.
• Improve our website, services, training and internal quality assurance.
• Detect, investigate and prevent fraud, security incidents and misuse of our services.

We do not sell your personal information, and we do not use your data to make automated decisions that produce legal or similarly significant effects without human review.

4. Cookies and tracking

Our website uses cookies and similar technologies to keep the site functioning, remember your preferences and measure aggregate usage. Essential cookies are required for core features such as form submission and security. Analytics and preference cookies help us understand which pages and articles are most useful. You can block or delete cookies through your browser settings at any time; doing so may affect some site features but will not prevent you from calling or emailing us.

5. How we share information

We share personal information only where it is necessary, and only with parties such as:

• Lenders, banks and insurance carriers — to obtain quotations, process applications and service products you have requested.
• Service providers — including hosting, email delivery, document storage, identity verification and IT support providers who act on our instructions under confidentiality obligations.
• Credit reporting agencies — in connection with applications where a credit enquiry is permitted or required.
• Professional advisers — accountants, auditors and lawyers where required.
• Regulators and law enforcement — where we are required by law, subpoena or valid legal process, or where disclosure is necessary to protect rights, property or safety.
• Successors — in connection with a merger, acquisition, financing or sale of assets, subject to appropriate confidentiality protections.

6. Data security

We maintain administrative, technical and physical safeguards designed to protect personal information against unauthorised access, alteration, disclosure or destruction. These include encryption in transit (HTTPS/TLS), encrypted storage for sensitive documents, role-based access controls, multi-factor authentication for staff systems, logging and monitoring, and regular staff training on data handling. No method of transmission or storage is completely secure, so while we work hard to protect your information, we cannot guarantee absolute security. If a breach affecting your personal information occurs, we will notify you and the relevant authorities as required by applicable law.

7. Data retention

We keep personal information only as long as needed for the purposes described in this policy, or as long as the law requires. Enquiries that do not progress to an application are typically retained for up to 24 months. Application records, loan files and advisory engagement records are retained for the period required by financial services, tax and anti-money-laundering regulations, which in many cases is five to seven years after the end of the relationship. Newsletter subscription data is retained until you unsubscribe, plus a short suppression record so that you are not contacted again by mistake.

8. Your rights and choices

Depending on where you live, you may have the right to:

• Request access to the personal information we hold about you.
• Request correction of information that is inaccurate or incomplete.
• Request deletion of information we are not legally required to keep.
• Request a portable copy of the information you provided to us.
• Object to or restrict certain processing, including direct marketing.
• Opt out of marketing emails at any time using the unsubscribe link in every message or the unsubscribe page.
• Not be discriminated against for exercising any privacy right.

To exercise any of these rights, email contact@cashcompasses.com with the subject line "Privacy Request", or call +1 800-627-3999. We will verify your identity and respond within the timeframe required by applicable law, normally within 30 to 45 days. Where a request concerns an active product, some information may be held by the lender or carrier as a separate controller; we will tell you if that is the case and help you contact them.

9. Children’s privacy

Our services are intended for adults aged 18 and over. We do not knowingly collect personal information from children. If you believe a minor has provided information to us, please contact us and we will delete it promptly.

10. Changes to this policy

We may update this Privacy Policy from time to time to reflect changes in our practices, technology or legal requirements. The "last updated" date at the top of this page shows when the current version took effect, and material changes will be highlighted on this page or communicated to active clients directly. We encourage you to review this policy periodically.

11. Contact us

If you have any questions, concerns or complaints about this policy or how your information is handled, please contact:

• Cash Compasses — Privacy Office
• 8750 Doral Park Wy, Doral, FL 33178, USA
• Phone: +1 800-627-3999
• Email: contact@cashcompasses.com