Terms of Service

Effective Date: December 11, 2024
Copyright © 2025 Caro, LLC. All Rights Reserved.

1. Introduction

By accessing or using our Services, you agree to be bound by these Terms of Service ("Terms") and our Privacy Policy. Please review both carefully before using our Websites, Applications, or other Services.

2. Information We Collect Automatically

When you access or use our Services, we collect information such as:

  • IP address

  • Browser type

  • ISP

  • Referring/exit pages

  • Platform type

  • Date/time stamps

  • Number of clicks

  • Mobile device information (device ID, model, manufacturer, OS version)

Purpose: To administer Services, prevent fraud, analyze usage, and improve user experience.
Note: We do not share this information with third parties.

3. Tracking Technologies

3.1 Cookies and Web Tracking

  • Session Cookies: Automatically erased when you close your browser.

  • Persistent Cookies: Remain stored for a predetermined period.

  • Use: To authenticate users, store preferences, and track usage patterns.

3.2 Web Beacons

  • Transparent images used alongside cookies for tracking behavior on our websites and emails.

3.3 Web Analytics

  • We use authorized providers to gather anonymized usage data.

  • IP addresses are anonymized immediately after collection.

4. Promotional Emails

Promotional emails may include tracking codes to monitor engagement (opened, links clicked). You can opt-out of promotional communications (see Section 12).

5. Information We Receive from Others

We may also obtain information from:

  • Fraud-detection agencies

  • Public sources (e.g., government entities)

  • Referrals from users (partner’s name, phone number, email)

6. How and Why We Use Your Information

We use your information to:

  • Provide and secure Services

  • Manage user accounts

  • Display user profiles to potential partners

  • Provide customer support

  • Process transactions

  • Conduct marketing communications

  • Perform internal research

  • Detect and prevent fraud

  • Enforce legal obligations

  • Other purposes with your consent

7. Communications by Telephone or SMS

You may receive communications via phone or text, including:

  • SMS Verification services

  • Service announcements

  • Notifications about outstanding balances

Opting out of marketing communications does not apply to mandatory service communications related to billing.

8. Mobile Push Notifications

You may receive Service-related notifications. You can disable push notifications via your device settings.

9. If You Do Not Provide Information

Failure to provide requested information may prevent us from delivering certain Services.

10. Disclosure of Your Personal Information

We may disclose your information:

  • To our network of organizations and affiliates

  • To service providers under confidentiality agreements

  • To authorities as required by law or in cases of fraud or abuse

  • During corporate transactions (e.g., merger, acquisition)

  • To your potential partners (profile visibility)

  • To protect potential abuse victims

  • Across jurisdictions for Service delivery (data transfers abroad)

11. Third-Party Advertising

  • We may use third-party ad providers.

  • Data collected for advertising purposes is anonymized.

  • We do not sell your personal information for cross-context behavioral advertising.

12. Age Restrictions

Our Services are intended for users aged 18 years or older.

If you believe we have collected information from a minor, please contact us for removal.

13. Custom Audience Advertising

We may share hashed versions of user emails with advertising partners to create custom audiences on third-party platforms.

14. Security

We use administrative, technical, and physical security measures, including:

  • Firewalls

  • SSL certificates

  • Encryption

  • Secure storage systems

However, no method is completely secure.

15. "Do Not Track" Signals

We do not respond to "Do Not Track" signals. Users can manage tracking through browser settings.

16. Links to or Access from Other Sites

You may link your account with third-party services (e.g., Facebook).

We are not responsible for the privacy practices or content of third-party websites.

17. Effective Date

These Terms of Service were last revised on December 11, 2024.