Summary: We collect only what we need to operate the platform and pay you. We never sell your personal data. You can request deletion of your data at any time.
1. Overview
HCS ("we," "our," or "us") operates the HCS platform accessible at hcs (homecashsystem.com) and related subdomains. This Privacy Policy describes how we collect, use, disclose, and safeguard your information when you visit our website or use our platform services.
By using our platform, you agree to the practices described in this Policy. If you do not agree, please discontinue use of the platform.
2.1 Information You Provide Directly
- Account registration: name, email address, phone number, and password when you create an account
- Payment information: bank account or payment method details for processing payouts (stored via our payment processor; we do not store raw banking credentials)
- Communications: messages, emails, or support tickets you send us
- Profile preferences: geographic preferences, notification settings, and other optional account configuration
2.2 Information Collected Automatically
- Usage data: pages visited, features used, time spent on platform, click patterns
- Device information: browser type and version, operating system, screen resolution, IP address
- Log data: server request logs including timestamps, error codes, and referring URLs
2.3 Information from Third Parties
- Payment processors (e.g., Stripe, Authorize.Net) may provide transaction confirmation data
- If you contact us through a third-party service (e.g., social media), we may receive basic profile information from that service
- Financial data via Plaid: If you choose to connect your financial accounts through our platform, we use Plaid, Inc. ("Plaid") to facilitate that connection. By linking your account, you grant Plaid permission to access and transmit your financial data on your behalf, including account balances, transaction history, and account holder information. This data is transmitted securely to our platform to provide our services. Plaid's collection, use, and handling of your data is governed by Plaid's Privacy Policy.
3. How We Use Your Information
We use the information we collect for the following purposes:
- To create and maintain your member account
- To process and distribute earnings payments to you
- To operate, improve, and personalize the platform
- To send you transactional emails (account confirmations, payout notifications, security alerts)
- To provide customer support and respond to your inquiries
- To detect, prevent, and address fraud, abuse, and security issues
- To comply with legal obligations
- To send you optional marketing communications (only with your consent, and you may opt out at any time)
4. Sharing Your Information
We do not sell, rent, or trade your personal information to third parties for their marketing purposes. We may share your information only in the following limited circumstances:
- Service providers: We share data with third-party vendors who perform services on our behalf (e.g., payment processing, email delivery, cloud hosting). These vendors are contractually obligated to use your data only to perform services for us.
- Financial data services (Plaid): When you connect a financial account, your account credentials and financial data are transmitted through Plaid, Inc. Plaid acts as an intermediary to securely retrieve your financial information from your financial institution. By using this feature, you acknowledge and consent to Plaid's collection, use, and sharing of your data as described in Plaid's Privacy Policy. Plaid may collect identifiers, financial data, device information, and commercial information in connection with providing its services.
- Legal requirements: We may disclose your information if required by law, court order, or government request, or to protect the rights, property, or safety of our users or the public.
- Business transfers: If we are involved in a merger, acquisition, or sale of assets, your information may be transferred as part of that transaction. We will notify you before your data is subject to a different privacy policy.
- Aggregated / anonymized data: We may share aggregate or de-identified data (which cannot be used to identify you) publicly or with partners for research, analytics, or marketing purposes.
5. Cookies & Tracking Technologies
We use cookies and similar technologies (local storage, session storage) to:
- Keep you logged in between sessions
- Remember your platform preferences
- Understand how users interact with our pages (analytics)
- Improve platform performance and security
You can configure your browser to refuse cookies or to alert you when cookies are being sent. However, some parts of the platform may not function properly without cookies.
We do not use third-party advertising cookies or tracking pixels for behavioral advertising purposes.
6. Data Security
We implement industry-standard security measures to protect your information, including:
- TLS encryption for all data transmitted between your browser and our servers
- Encrypted storage for sensitive fields (passwords are hashed using bcrypt; banking details are stored via PCI-compliant processors)
- Access controls limiting who on our team can view personal data
- Regular security reviews and vulnerability assessments
No method of transmission over the internet or electronic storage is 100% secure. While we take commercially reasonable precautions, we cannot guarantee absolute security. In the event of a data breach that affects your rights or freedoms, we will notify you as required by applicable law.
7. Financial Account Connectivity (Plaid)
Our platform uses Plaid, Inc. to enable you to connect your bank or financial accounts. When you use this feature:
- You provide your financial institution credentials directly to Plaid, not to us
- Plaid accesses your financial account data (including account balances, transaction history, account and routing numbers, and account holder details) and transmits it to our platform
- By connecting your account, you expressly authorize and consent to Plaid accessing, collecting, and transmitting your personal and financial information as described in Plaid's Privacy Policy
- Plaid may also collect device identifiers, IP addresses, and browser information when you interact with their services
- We use the financial data received from Plaid solely to provide our platform services (e.g., verifying account ownership, processing payouts)
- We do not sell financial data received from Plaid to third parties
- You may revoke Plaid's access to your financial accounts at any time through Plaid's Portal or by contacting us
We encourage you to review Plaid's Privacy Policy to understand how your data is handled by Plaid.
8. Your Rights
Depending on your location, you may have the following rights regarding your personal data:
- Access: Request a copy of the personal data we hold about you
- Correction: Request that we correct inaccurate or incomplete data
- Deletion: Request that we delete your personal data (subject to certain exceptions for legal compliance)
- Portability: Request your data in a machine-readable format
- Opt-out of marketing: Unsubscribe from marketing emails at any time via the unsubscribe link in any email or by contacting us
To exercise any of these rights, contact us at privacy@homecashsystem.com. We will respond within 30 days.
9. Data Retention
We retain your personal data for as long as your account is active or as needed to provide services, comply with our legal obligations, resolve disputes, and enforce our agreements. When you close your account, we will delete or anonymize your personal data within 90 days, except where retention is required by law (e.g., tax records, which we retain for 7 years).
10. Children's Privacy
Our platform is not directed to children under the age of 18. We do not knowingly collect personal information from minors. If we become aware that a user is under 18, we will promptly close their account and delete their data. If you believe we have collected information from a minor, please contact us immediately at privacy@homecashsystem.com.
11. Policy Changes
We may update this Privacy Policy from time to time. We will notify you of material changes by email or by posting a prominent notice on the platform at least 14 days before the change takes effect. Your continued use of the platform after the effective date constitutes acceptance of the updated Policy.
If you have questions, concerns, or requests regarding this Privacy Policy or your personal data, please contact us: