Our Privacy Commitment
Cashmallow Co. Ltd. and its subsidiaries (collectively, "Cashmallow") are committed to respecting and protecting your privacy. We value your trust and want you to understand how we collect, use, protect, disclose and otherwise process information about you.
This privacy statement applies to personal information we collect about you, for example when you visit our websites or mobile applications or contact Cashmallow call centers. We want to ensure you are aware of our practices for collecting, using, protecting, disclosing, and otherwise processing personal information, which is information about a person that can be used to identify that person.
What we collect
Personal information we collect can include: (i) government identifiers (such as ID, passport number, or driver's license number); (ii) transaction information (such as name and other information about you, transaction number, amount, date sent, and receive data), purchase history, and Cashmallow account information (such as account number, user name, and password); (iii) financial information such as bank account or credit card account information; (iv) contact information such as name, address, telephone number, or email address; and (v) such other personal information as we may collect with your consent or as permitted or required by law.
Generally, personal information is collected from you on transaction forms, by telephone, or at our websites or mobile applications when you request our products or services, manage your online account(s), or manage your account(s) and preferences. We may also collect information about you from third-party reference sources, vendors, and clearinghouse services as part of our verification processes or otherwise in connection with your use of our products or services.
How we use it
We use personal information in a number of ways, including (i) for our everyday business purposes such as to process your transactions, maintain your account(s), and manage and administer our business and records, to undertake market research, to prevent fraud, abuse, and other actual and potential prohibited or illegal activities, to meet legal, regulatory, insurance, security and processing requirements, and to respond to court orders and legal investigations, or report to credit bureaus; (ii) for our marketing purposes such as to offer our or our agents' products and services to you, and to tailor offers, coupons, and incentives we believe may be of interest to you; (iii) for joint marketing with other financial companies; (iv) for our affiliates' everyday business purposes; (v) for our affiliates to market to you; (vi) for non-affiliates such as our agents to market to you; and (vii) otherwise with consent or as permitted or required by applicable law.
Cashmallow may store personal information on databases in South Korea or other countries for these purposes. As permitted by applicable law, we may merge personal information with public information or other information received from third-party sources to update contact information or to enhance demographic profiles. Personal information will be subject to the laws of the country in which it is located including lawful access requests by government authorities.
Who we share it with
We may disclose personal information, as described above, to our affiliates and/or our agents to assist us in our business activities for the uses described in "How We Use It", and for other purposes as permitted or required by applicable law and international conventions and treaties. Disclosures permitted or required by law and international conventions and treaties may include cooperation with criminal or government investigations, fraud prevention and detection, and responses to a court order or subpoena. Cashmallow may be required to disclose your personal information to relevant national, state and local law enforcement authorities in South Korea and other countries, which law enforcement authorities may further disclose the information.
Cashmallow may disclose some or all of the personal information to service providers for the purposes of processing requested transactions or to perform business support functions on our behalf, including marketing and similar services. Our agreements with these service providers, who may be located across the globe, contain confidentiality provisions and restrictions on using this information for any other purposes.
If Cashmallow becomes involved in a proposed or actual merger, acquisition or any form of sale of some or all its assets, we may disclose personal information to third parties in connection with the evaluation of the transaction. The surviving company, or the acquiring company in the case of a sale of assets, would have access to personal information which would continue to be subject to this privacy statement.
Choice and Consent
Cashmallow will not use, disclose or otherwise process personal information about you in ways incompatible with the ones described above without informing you and offering you a choice. You may choose whether to receive direct marketing offers from Cashmallow. To the extent that applicable law requires express consent or "opt-in" for the collection and use of certain types of personal information, Cashmallow will maintain processes and procedures to ensure such information is collected with express consent. In any event, each promotional email message we send you will also contain instructions on how to unsubscribe.
When you provide us with personal information about a third party, you warrant that you have the consent of that individual to provide us that personal information.
You may withdraw your consent to our use and disclosure of personal information at any time, subject to contractual and legal restrictions. You may send an e-mail to , logon to our mobile applications and update your account(s), or use one of the methods listed under "Contacting Cashmallow." Note that if you withdraw your consent to certain uses of your personal information, we may no longer be able to provide certain of our products or services. Note also that where we have provided or are providing services to you, your consent will be valid for so long as necessary to fulfill the purposes described in this privacy statement or otherwise at the time of collection, and you may not be permitted to withdraw consent to certain necessary uses and disclosures (for example, maintaining reasonable business and transaction records).
Accuracy & Access
Cashmallow wants to ensure that the information we collect and use about you is accurate for its intended purpose and therefore we have processes to help maintain the accuracy of the personal information we collect. You can request access to your personal information or help us maintain accurate records by informing us of changes or modifications to your personal information by using one of the methods listed under "Contacting Cashmallow."
We will take reasonable steps to verify your identity before granting you access or enabling you to make corrections. Cashmallow will retain personal information only for the time period needed for business purposes or as required by law and will securely destroy such information thereafter.
Cashmallow uses physical, technical, and administrative security measures to protect against loss, misuse, and alteration of personal information under our control. Cashmallow uses industry-standard practices and security measures to safeguard such personal information we collect.
Access to personal information is restricted to employees and service providers who need to have access to that information as described in this privacy statement, in accordance with applicable laws. Our service providers are required to observe standards for the security, collection, use, and sharing of personal information, and to comply with applicable law.
Preventing Identity Theft
Please do not send confidential personal information such as passport numbers, government identification numbers, or account numbers to Cashmallow via an unsecured email message. You may send personal confidential information to Cashmallow via posted mail, phone, or using the "Contact Us" link available on our website. Do not be misled by emails that appear to be from us and ask for personal information. If you receive a suspicious email requesting your personal information, please forward the email immediately to firstname.lastname@example.org.
When you use our websites, we automatically collect certain standard technical information. Examples of this standard type of information include the type of Internet browser you use, the files you requested, the domain name and country from which you request information. We use this type of technical information to improve our website, to make our website function correctly, and to better understand how visitors use our website. As part of our efforts to protect consumers from fraud, this information is also used to authenticate users to the website, if necessary.
Our websites may be linked to or from third-party websites. Cashmallow is not responsible for the content or privacy practices of websites that are linked to or from our websites.
Use by Children
Cashmallow websites are not intended for use by minors. Cashmallow will not knowingly collect personal information from or market to children without the consent of a parent or legal guardian.
Change to Privacy Statement
At Cashmallow, your trust is one of our most important assets. To improve your overall Cashmallow experience, the services provided on our websites may change at any time without prior notice. We will continually work to protect the privacy of our consumers and regularly review our privacy policies. As a result, this Privacy Statement may change from time to time in the future. This website will always contain the most current privacy statement. You agree to revisit this page regularly and your continued use of the Cashmallow websites and services indicate your acceptance of the changes.
Should you have further questions regarding our privacy statement, about how your personal information is used, or about how to exercise your right of access, rectification, or objection as per applicable law, you can contact us directly at the address below, and we will handle your request on behalf of all Cashmallow companies:
Attn: Privacy Officer
#303, 647 Seolleung-ro, Gangnam-gu, Seoul, South Korea 06100
Alternatively you may email us at: email@example.com.