Terms

Website Terms of Use and Incorporated Privacy Policy

Effective August 13, 2026.

These Website Terms of Use and Incorporated Privacy Policy (these "Terms") are a legal agreement between you and Cash Margin Partners, LLC (the "Company," "we," "our," or "us"), the owner and developer of CashMarginPartners.com (the "Site"). The purpose of the Site is to facilitate the Company's provision of business-to-business ("B2B") data analytics services to your business. By registering for or using any service provided through or related to the Site (the "Services"), or by applying to or participating in the Company's affiliate referral program (the "Referral Program") as a referral partner, you and your business become a client of the Company (the "Client") or a "Referral Partner" (collectively, "you" or "your"), as applicable, and you agree to be bound by all of the terms set forth in these Terms as long as you remain a Client or Referral Partner. IF YOU DO NOT AGREE TO THESE TERMS, YOU ARE NOT AUTHORIZED TO USE THE SITE AND SERVICES. These Terms are subject to change at any time, and such changes are effective without notice to you.

BY CLICKING THE "I AGREE" BUTTON BELOW, YOU AGREE THAT YOU HAVE READ, UNDERSTAND AND AGREE TO BE BOUND BY THE TERMS. THE MOST CURRENT VERSION OF THE TERMS, WHICH SUPERSEDES ALL PREVIOUS VERSIONS, CAN BE REVIEWED BY GOING TO http://CashMarginPartners.com/PrivacyPolicy. THE COMPANY RESERVES THE RIGHT TO CHANGE THE TERMS AT ANY TIME AND WITHOUT NOTICE TO YOU.

1. Agreement

These Terms govern Client access to and use of the Site, Services and/or Referral Program and Referral Partner access to and participation in the Referral Program. The Company may modify these Terms at any time by posting the modified Terms to the Site. Any such modifications shall be effective immediately upon posting unless some other effective date is expressly stated. You can view the most recent version of these Terms at any time at http://CashMarginPartners.com/PrivacyPolicy. Your use of the Site and/or participation in the Referral Program shall constitute and be deemed your unconditional acceptance of these Terms. Capitalized words and phrases in these Terms have the meanings set forth in Appendix A.

2. Certification

You certify that you are at least 18 years of age and that your answers to the registration materials on the Site will be truthful.

3. Intellectual Property

The Company owns and retains all proprietary rights to the Site; the Services; the Referral Program; and all content including without limitation text, logos, trademarks, images, and software. The Company grants you a limited, revocable, nonexclusive license to use the Site, Services and/or Referral Program, as applicable, solely for your own use and not for republication, distribution, assignment, sublicense, sale, preparation of derivative works, or other use. You agree not to copy content from the Site or Referral Program or reverse engineer the Site. Your use of the Site, Services and/or Referral Program is at the discretion of the Company, which may terminate your access and use at any time.

4. Compliance with Laws

You agree to comply with all applicable laws regarding use of the Site, Services and/or Referral Program. By uploading or otherwise disclosing information to the Company, you represent that the information is true and accurate and that you have the right to upload or disclose that information. If you submit another entity's or individual's information to us in connection with a referral, you represent that you are authorized to provide that information and that any required notices have been given. Referral Partners may use retailer information received from the Company in the course of Company's administration of the Referral Program only for the referral relationship and related administration and may not sell, resell, scrape, enrich, or use such information for unrelated marketing or other purposes.

5. Privacy

Your use of the Site, Services and/or Referral Program is governed by this Section 5 of the Terms (this "Policy" or the "Privacy Policy"). The Company reserves the right, and you authorize us, to use and assign all information provided by or collected from you in any manner consistent with the Privacy Policy.

(a) Information Collected

To provide the Services and administer the Referral Program, the Company may collect, use, process, and under certain conditions disclose information you provide through the Site, including Business Data, Client Personal Information, Incidental Personal Information, Referral Partner Information, and Retailer Referral Information, as defined herein.

(b) Rights and Duties

Your rights and duties and those of the Company with respect to the Services, Referral Program, Business Data, and Personal Information may be governed by applicable laws and regulations of the United States and the state where a Client or Referral Partner is incorporated, organized, registered, has its principal place of business, or makes use of the Services (collectively, the "Data Protection Laws"). At a minimum, the Company maintains policies and controls consistent with the Virginia Consumer Data Protection Act, the District of Columbia Consumer Protection Procedures Act, the District of Columbia Consumer Personal Information Security Breach Notification Act, and Section 5 of the Federal Trade Commission Act.

(c) Personal Information Use

The Services use proprietary analytics and artificial intelligence ("AI") tools to analyze sales, inventory, supply chain, and related operational data ("Business Data") to generate insights and recommendations designed to improve revenue, operational efficiency, and profit margins. The Company will make commercially reasonable efforts to promptly remove any Personal Information of Clients' customers incidentally provided to the Company within Business Data ("Incidental Personal Information") before applying the Company's proprietary data analytics and AI tools to the Business Data. The Company will collect, use, and process Personal Information pertaining directly to the Client ("Client Personal Information") in the registration process and in the course of providing the Services. The Company will also collect, use, and process Personal Information pertaining to Referral Partners ("Referral Partner Information") and Personal Information pertaining to Clients referred by a Referral Partner ("Retailer Referral Information") in the registration process for and in the course of providing the Referral Program. The Company will never disclose any data or information except as provided in this Privacy Policy or as may be required by law. We use Referral Partner Information to review applications, onboard and authenticate referral partners, issue and administer referral IDs and dashboard access, attribute referrals, communicate about referral status, determine eligibility for payouts, process ACH payments, prevent fraud and duplicate submissions, enforce program terms, comply with tax reporting and withholding obligations, maintain business records, and protect our legal rights. We use Retailer Referral Information to evaluate and respond to referrals, contact prospective retailer clients, determine referral attribution and qualification, provide services, administer the referral program, and maintain internal records regarding referral source, status, and payouts.

(d) Types of Information

Specific data the Company may request or otherwise obtain includes but is not limited to: Contact information; inventory management, POS and e-commerce reports; login information; other account information; customer service information; user preferences; device information; website navigation information; cookies; tax identification information provided on IRS Form W-9; payment and bank account information needed to process payments; account credentials; Referral Program application information; referral submission data; dashboard activity; records relating to approvals, payouts, reversals, and tax reporting; and non-personal data, such as aggregated or de-identified demographic/profile data, from third-party sources including selected partners and companies that specialize in providing enterprise data, analytics, and software as a service.

(e) Legal Bases

We do not collect data to build individualized marketing profiles of Clients or Referral Partners. We collect specific Personal Information and financial artifacts solely to execute the Services, administer the Referral Program, and related activities including general communication; product support and improvement; security; research and development; billing and payments; tax reporting; referral attribution; and payout administration. Legal bases for our collection and use of data include without limitation: (i) Our performance and exercise of contractual rights and duties; (ii) Our compliance with laws, lawful requests, court orders, and legal processes; (iii) Our legitimate interest in conducting the Company's business.

(f) Artificial Intelligence, Infrastructure, and Data Aggregation

The Company uses advanced technologies to analyze businesses.

(i) APIs and AI

We use enterprise-grade AI environments, such as OpenAI API, to process logic and generate reports. We utilize Zero Data Retention API Settings, as defined herein, where available.

(ii) Third-Party Processors

Your data may pass through secure third-party processors including without limitation Shopify (Source), Google Cloud (Storage), and Postmark (Delivery). We maintain administrative, technical, and physical safeguards designed to protect Personal Information appropriate to its nature and the risks presented, including information used for payment processing and tax reporting.

(iii) Anonymized Data

The Company reserves the irrevocable right to create and use de-identified, aggregated data sets assembled to include Business Data pertaining to Clients and Referral Partners ("Anonymized Data") (for example, "average apparel margins in the Southeast" or "sector-wide dead stock trends"). We create Anonymized Data by removing or modifying data points that could be used to associate Business Data or Personal Information to a Client, Referral Partner or individual, and by applying technical and organizational safeguards designed to prevent the data from being re-associated with any Client, Referral Partner or individual. The Company owns all rights to such Anonymized Data in perpetuity.

(iv) Use of Anonymized Data

We may use, share, or monetize Anonymized Data (i) through the sale or licensing of industry reports, benchmarks, market research, or bulk data; and (ii) for any other lawful purpose. Your data will never be singled out. It will only ever be used as de-identified data points in broader market analyses. When we disclose Anonymized Data to third-party service providers or AI platforms, we will make commercially reasonable efforts to ensure, and where required by law will contractually require, that such providers or AI platforms: (i) Not attempt to re-identify the data; (ii) Not combine the data with other information to identify a Client or individual; and (iii) Use the data only for the purposes we specify.

(g) Change of Ownership

We may disclose your Business Data and Personal Information in connection with the re-organization or merger of the Company with another entity or a sale of all or a substantial portion of our assets or ownership, including any due diligence carried out in relation to the same, provided that the information disclosed continues to be used in accordance with these Terms by the entity acquiring the information.

(h) Data Retention

The Company will make commercially reasonable efforts to promptly remove Incidental Personal Information received within Business Data provided by the Client before applying the Company's proprietary data analytics and AI tools to the Business Data. We retain your Business Data only for as long as necessary to fulfill the purposes for which it was collected or as required by Data Protection Laws. We retain Referral Partner Information and Retailer Referral Information for as long as reasonably necessary to administer the Referral Program, maintain payment and tax records, resolve disputes, enforce our agreements, comply with legal obligations, and protect our business interests.

(i) Diagnostic Clients

Once your Cash Unlock Report is generated and delivered, the Company will take commercially reasonable steps to purge your Business Data from our systems within two (2) business days.

(ii) Retainer Clients

Your Business Data is stored in a secure, encrypted database to allow for year-over-year tracking. You may request a full deletion at any time upon contract termination.

(i) Children's Privacy

The Services are only intended for use by business users. Accordingly, we do not intentionally gather Personal Information from persons who are under the age of 18. If we learn that any Personal Information is the information of a person under the age of 18, we will use reasonable efforts to delete the information in a timely manner.

(j) Client Access and Inquiries

You own your business. If you want to know what data we have in our systems, or if you want us to promptly delete your Business Data, Client Personal Information, Referral Partner Information, and/or Retailer Referral Information, please email team@cashmarginpartners.co. When the Company is acting as a Data Controller, we will process your request in accordance with this Privacy Policy and respond within two (2) business days. If the Company is acting as a Data Processor, we will direct you to the relevant Data Controller that can process your request. If you believe that your Business Data or Client Personal Information is being used in a way that violates or infringes upon Data Protection Laws, you may be entitled to lodge a complaint with relevant authorities.

(k) Disclosure

Subject to legal obligations and narrowly-defined, legitimate business reasons described in this Privacy Policy, we will never disclose your Business Data or Client Confidential Information.

(i) Third-Party Service Providers

From time to time, we may engage third-party service providers. Such providers may have limited access to Business Data and Client Personal Information for the sole purpose of helping manage or improve the Site, Services and/or Referral Program, subject to contractual restrictions on their access to and use of such data no less restrictive than our obligations under this Privacy Policy and Data Protection Laws. We may share Referral Partner Information with payment processors, banking and ACH service providers, tax reporting vendors, customer relationship management providers, analytics providers, hosting providers, and other service providers that process information on our behalf for the purposes described in this Privacy Policy.

(ii) Cross-border Processing

Business Data, Client Personal Information, Referral Partner Information, and Retailer Referral Information may be collected, transferred to, stored and processed by us and/or third parties described above in the United States or countries outside the United States. We will take all necessary steps to ensure that such recipients of such data adhere to commercially reasonable data security practices and comply with all relevant Data Protection Laws.

(iii) Referral Program Disclosures

We may disclose limited information about a referred retailer to the applicable referring Referral Partner for Referral Program administration purposes, including confirmation that a referral was received, whether the referral was accepted or rejected, whether the retailer became a customer, whether a qualifying action occurred, and whether a payout was approved, paid, adjusted, or reversed. We may also disclose limited identifying information reasonably necessary to confirm which referral is being referenced. We do not disclose more information than is reasonably necessary for referral tracking, payment administration, fraud prevention, or compliance.

(l) Law Enforcement; Subpoenas

If the law requires us to, we may need to collect and/or process Business Data or Personal Information to comply with the valid order or request of a court, regulator, or law enforcement agency. Furthermore, we may disclose such information at our sole discretion where we deem it necessary to protect the safety of any individual or the public, or to prevent violation of rights of the Company or any third party.

6. Indemnification

Client indemnifies and agrees to defend and hold harmless the Company and its officers, employees, agents, affiliates, licensees, web hosting services and third parties for any losses, costs, liabilities and expenses (including but not limited to court costs, legal fees, awards or settlements) relating to or arising out of Client's use of the Site, Services and/or Referral Program, including any breach by Client of these Terms.

7. No Warranties

THE COMPANY DISCLAIMS ALL WARRANTIES OF ANY KIND, INCLUDING BUT NOT LIMITED TO ANY EXPRESS WARRANTIES, STATUTORY WARRANTIES, AND ANY IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT WITH RESPECT TO THE SITE AND SERVICES. SPECIFICALLY, THE COMPANY DOES NOT WARRANT THAT THE SITE AND SERVICES WILL ALWAYS BE AVAILABLE, BE UNINTERRUPTED, BE ERROR FREE, MEET YOUR REQUIREMENTS, OR THAT ANY DEFECTS IN THEM WILL BE CORRECTED.

8. Limitation of Liability

By using the Site and any Services provided by the Company, Client agrees that in no event will the Company or its officers, employees, agents, affiliates, licensees or web hosting services be liable for any direct, indirect, incidental, special, exemplary, punitive or consequential damages (including damages from loss of business, lost profits, litigation, or the like) or any other damages as a result of Client's accessing the Site and using any of the Services. Client's sole remedy for any breach or default of these Terms by the Company shall be a return of any fees paid to the Company for the Services provided under these Terms. Client may have additional rights under certain laws which do not allow the exclusion of implied warranties, or the exclusion or limitation of certain damages.

9. Governing Law; Venue

These Terms or any dispute arising from these Terms is governed by the laws of Virginia, without regard to conflicts of law provisions. For any lawsuit arising from or related to these Terms, venue shall be the state and federal courts located in Virginia.

10. Severability

If any provision of these Terms shall be adjudged by any court of competent jurisdiction to be unenforceable or invalid, that provision shall be limited or eliminated to the minimum extent necessary so that these Terms will otherwise remain in full force and effect.

11. Entire Agreement

These Terms, along with any Master Service Agreement, Service Level Agreement, Scope of Work, or Data Analytics Agreement constitute Client's entire agreement with the Company with respect to the Site, Services and/or Referral Program.

12. Waiver

Any failure of the Company to exercise or enforce any right or provision of these Terms shall not operate as a waiver of such right or provision. Any waiver of any provision of these Terms by the Company must be in writing and signed by an authorized representative of the Company.

13. Updates

We may update these Terms from time to time. While we will make reasonable efforts to communicate such updates to the Client, it is the Client's responsibility to be familiar with the most current version of these Terms by periodically reviewing the Site for the latest information on our privacy practices. Should you have questions or comments related to this Policy, please contact us at team@cashmarginpartners.co.

14. Electronic Signature

You further understand and agree that clicking or pressing "I agree" is the electronic equivalent of a written signature on this document.

"I have read these Terms and agree to be bound by them."

Appendix A: Definitions

Affiliate: A legal entity that controls, is controlled by, or is under common control with another legal entity or shares common branding with another legal entity. For the purposes of this definition "control" or "controlled" means (i) ownership of, or the power to vote, more than 50 percent of the outstanding shares of any class of voting security of a company; (ii) control in any manner over the election of a majority of the directors or of individuals exercising similar functions; or (iii) the power to exercise controlling influence over the management of a company.
Anonymized Data: De-identified, aggregated data, created by removing or modifying data points that could be used to associate Business Data or Personal Information to a Client or individual and by applying technical and organizational safeguards designed to prevent the data from being re-associated with any Client or individual.
API: An application programming interface, which is a set of rules or protocols that enables software applications to communicate with each other to exchange data, features and functionality.
Business Data: Has the meaning set forth in Section 5(c) of these Terms, and includes inventory, sales, and/or other business and financial reports generated by or exported from retail e-commerce platforms including without limitation Square, Shopify, Clover, and Lightspeed.
Cash Unlock Report: The proprietary analysis, action plan, digital dashboard, or other deliverable (provided in any medium or format deemed appropriate by the Company in its sole discretion) summarizing the analysis of Client's Business Data. The Cash Unlock Report may include, but is not limited to, the identification of slow-moving or obsolete inventory ("trapped capital"), margin-engineering strategies, bundling recommendations, and suggested pricing cadences.
Client: You and your business, as long as you are registered for or using the Site or Services.
Client Personal Information: Has the meaning set forth in Section 5(c) of these Terms.
Company: Cash Margin Partners LLC, a Virginia limited liability company.
Data Controller: The natural or legal person that, alone or jointly with others, determines the purpose and means of processing Personal Information.
Data Processor: A natural or legal entity that processes personal data on behalf of a controller.
Data Protection Laws: Laws and regulations of the United States and the state where you reside, have your principal place of business, or make use of the Site, Services and/or Referral Program, which may apply to the Company's provision of and your use of the Site, Services and/or Referral Program.
Diagnostic Client: Client, when Client has engaged the Company for a fixed-fee, finite engagement. Under such an engagement, the Company provides Client the Cash Unlock Report and a 30-day action plan. Once these are delivered, the scope of work and all obligations of the Company to Client end, except to the extent otherwise provided in these Terms and the Inventory Data Analytics Services Agreement.
Incidental Personal Information: Has the meaning set forth in Section 5(c) of these Terms.
Personal Information: Any information that is linked or reasonably linkable to an identified or identifiable natural person. It does not include de-identified data, publicly available information, or information that, even when combined with additional information which is likely to be used by the Company, cannot be linked to a natural person.
Policy: The Privacy Policy incorporated as Section 5 of these Terms, which is contractually binding and governs your rights and duties with respect to the Company and those of the Company with respect to you.
POS: Retailer's point-of-sale system.
Process or Processing: Any operation or set of operations performed, whether by manual or automated means, on Personal Information or on sets of Personal Information, such as collection, use, storage, disclosure, analysis, deletion, or modification.
Referral Partner: A person or business that applies to or participates in the Company's Referral Program.
Referral Partner Information: Personal Information collected from or about a Referral Partner in connection with an application to or participation in the Company's Referral Program.
Retailer Referral Information: Personal Information about a prospective retailer client submitted by or received from a Referral Partner in connection with the Referral Program.
Retainer Client: Client, when Client has engaged the Company for a recurring monthly engagement, subject to a 90-day minimum lock-in. Under such an engagement, the Company performs continuous data monitoring and active pricing execution via POS API, and acts as an outsourced fractional advisor. The Company is not responsible for any revenue fluctuations Client may experience.
Services: The B2B data analytics services and any related or incidental services provided to Client by the Company.
Site: CashMarginPartners.com.
Zero Data Retention API Settings: API configurations that prevent data requests and responses between the Site and a third-party application from being logged, stored, or retained by the third-party application. This provides the highest level of privacy and security for your data, and we use such API configurations when they are available.

Contact

team@cashmarginpartners.co Privacy Policy