Information We Collect

When you purchase from Credit & Cashmere or interact with our website, we collect information that helps us fulfill your order and improve your experience:

  • Contact Information: Name, email address, and phone number
  • Billing Information: Billing address, shipping address (if applicable to digital products)
  • Payment Data: Payment method information processed securely through Stripe and WooCommerce (we do not store full credit card numbers)
  • Account Information: Login credentials and order history if you create a WooCommerce account
  • Analytics Data: Browser type, IP address, pages visited, time on site, and other usage information collected via Google Analytics
  • Communication: Messages you send us through contact forms or email

How We Use Your Information

We use the information we collect for specific purposes that support our business and your experience:

  • Order Processing: To process purchases, send invoices, and deliver digital products to your email and account
  • Product Delivery: To ensure you receive instant access to Google Sheets templates and digital downloads
  • Email Marketing: To send you updates about new products, promotions, and educational content (only if you’ve opted in)
  • Customer Support: To respond to your questions and resolve any issues
  • Analytics & Improvement: To understand how you use our site and improve our products and services
  • Legal Compliance: To comply with applicable laws and regulations

Data Retention

We retain your personal information only for as long as necessary to fulfill the purposes described in this Privacy Policy, unless a longer retention period is required by law.

  • Purchase records & order history: Retained for 7 years (tax and accounting compliance)
  • Email subscriber data: Retained while your subscription is active. Upon unsubscribing, your email is removed from marketing lists within 30 days. Transactional records may be retained longer for compliance.
  • Website analytics data: Google Analytics data is retained for 26 months (default setting)
  • Ask C&C submissions: Submitted questions are retained indefinitely if published. Unpublished submissions may be deleted after 12 months.
  • Contact form messages: Retained for up to 24 months
  • Account data: Retained while your account is active. You may request deletion at any time.

To request deletion of your data, contact us at [email protected] with “Data Deletion Request” in the subject line.

Cookie Policy

Our website uses cookies and similar tracking technologies. A cookie is a small text file stored on your device when you visit a website. Cookies help us provide you with a better experience, understand how you use our site, and serve relevant content.

Types of cookies we use:

  • Strictly Necessary Cookies: Required for basic site functionality, including WooCommerce shopping cart, login sessions, and security features. These cannot be disabled without breaking site functionality.
  • Analytics Cookies: Google Analytics uses cookies to collect anonymous usage data — pages visited, time on site, traffic sources, and device type. This helps us improve our content and user experience. Google Analytics data is anonymized and not linked to your personal identity.
  • Marketing & Advertising Cookies: When display advertising is present on our site (such as through Mediavine or similar ad networks), third-party advertisers may place cookies to serve personalized ads based on your browsing behavior across the internet. These cookies enable interest-based advertising.
  • Social Media Pixels: We may use tracking pixels from Pinterest, TikTok, and other social platforms to measure the effectiveness of our content and advertising campaigns. These pixels may collect data about your activity on our site.
  • Email Marketing Cookies: Kit (formerly ConvertKit) may place cookies to track email subscription forms, link clicks, and other engagement metrics.

Your Cookie Choices:

  • Browser settings: You can control cookies through your browser settings. Most browsers allow you to block or delete cookies. Note that blocking essential cookies may affect site functionality.
  • Cookie consent: When you first visit our site, you will be presented with a cookie consent banner. You may accept or decline non-essential cookies.
  • Opt-out of interest-based advertising: Visit the Digital Advertising Alliance at optout.aboutads.info or the Network Advertising Initiative at optout.networkadvertising.org to opt out of personalized ads.
  • Google Analytics opt-out: Install the Google Analytics Opt-out Browser Add-on.

Third-party cookies: We do not control cookies placed by third-party services (Google, ad networks, social platforms). Please refer to their respective privacy policies for information about their cookie practices.

Third-Party Services

We use third-party services to operate our business. These services may access information needed to provide their services to us:

  • Stripe: Processes all payments securely; they do not store full card details
  • WooCommerce: Manages our digital store, customer accounts, and order fulfillment
  • Google Analytics: Tracks website usage and visitor behavior
  • Email Marketing Platform: Manages our email list and sends marketing communications (when you opt in)
  • Google Fonts: Delivers website fonts
  • Kit (formerly ConvertKit): Manages our email subscriber list, automated email sequences, and marketing communications
  • Pinterest, TikTok, and social platforms: May collect data through embedded pixels for advertising measurement
  • Mediavine or similar ad networks (when applicable): Serves display advertisements and may use cookies for interest-based advertising

These third parties have their own privacy policies and are responsible for their use of your data according to their terms. We recommend reviewing their privacy policies independently.

Data Security

We take the security of your information seriously and implement industry-standard safeguards:

  • SSL Encryption: All data transmitted to and from our site is encrypted using SSL/TLS technology
  • Secure Payment Processing: Payment information is processed through Stripe’s secure, PCI-compliant system
  • No Card Storage: We do not store full credit card numbers on our servers
  • Access Controls: Only authorized personnel can access customer data

While we implement strong security measures, no internet transmission is 100% secure. We cannot guarantee absolute security of all data.

Your Rights

Depending on your location, you may have the following rights regarding your personal information:

  • Right to Access: You can request a copy of the personal data we hold about you
  • Right to Delete: You can request deletion of your personal data, subject to legal obligations
  • Right to Opt-Out: You can unsubscribe from marketing emails at any time using the unsubscribe link in our messages
  • Right to Correction: You can request corrections to inaccurate information
  • CCPA Rights (California Residents): California residents have additional rights under the California Consumer Privacy Act, including the right to know, delete, and opt-out of data sales (though we do not sell personal information)

To exercise any of these rights, contact us at [email protected] with “Privacy Request” in the subject line.

International Visitors & GDPR

Credit & Cashmere is operated from the United States. If you are visiting our website from the European Union (EU), European Economic Area (EEA), United Kingdom (UK), or other regions with data protection laws, please note the following:

Legal Basis for Processing: We process your personal data under the following legal bases as defined by the GDPR:

  • Consent: For marketing emails, non-essential cookies, and newsletter subscriptions. You may withdraw consent at any time.
  • Contractual necessity: For processing purchases, delivering products, and managing your account.
  • Legitimate interest: For website analytics, fraud prevention, and improving our products and services.
  • Legal obligation: For retaining purchase records as required by tax law.

Your GDPR Rights: In addition to the rights listed in the “Your Rights” section above, EU/EEA/UK residents have the following additional rights:

  • Right to data portability: You may request a copy of your personal data in a structured, machine-readable format.
  • Right to restrict processing: You may request that we limit how we use your data in certain circumstances.
  • Right to object: You may object to processing based on legitimate interests, including profiling.
  • Right to withdraw consent: Where processing is based on consent, you may withdraw it at any time without affecting the lawfulness of prior processing.
  • Right to lodge a complaint: You have the right to lodge a complaint with your local data protection supervisory authority.

International Data Transfers: Your personal data may be transferred to and processed in the United States, where data protection laws may differ from those in your country. By using our website, you consent to the transfer of your data to the United States. We take reasonable steps to ensure your data is treated securely and in accordance with this Privacy Policy.

To exercise any of these rights, contact us at [email protected] with “GDPR Request” in the subject line. We will respond within 30 days.

Email Marketing

Opt-In Only: We only send marketing emails to customers who have explicitly opted in. We never sell or share your email address with third parties for marketing purposes.

What to Expect: If you’ve opted in, you’ll receive emails about new products, special promotions, educational content about personal finance, and company updates.

Easy Unsubscribe: Every marketing email includes an unsubscribe link. You can opt out at any time, and we’ll stop sending marketing emails within 10 business days.

Transactional Emails: Even if you unsubscribe from marketing, we’ll still send you order confirmations, shipping notifications, and other transactional emails related to your purchases.

Children’s Privacy

Credit & Cashmere products and services are not directed to children under the age of 13. We do not knowingly collect personal information from children under 13. If we become aware that we have collected information from a child under 13 without parental consent, we will delete that information promptly.

If you believe we have collected information from a child under 13, please contact us at [email protected].

Changes to This Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, technology, or legal requirements. When we make material changes, we will notify you by email or by posting the updated policy on our website with a new “Last Updated” date.

Your continued use of our website and services after any changes indicates your acceptance of the updated Privacy Policy.

Contact Us

If you have questions about this Privacy Policy or how we handle your personal information, please reach out:

Credit & Cashmere LLC

Email: [email protected]

600 1st Ave, Ste 330 PMB 92768 Seattle, WA 98104-2246 USA

We aim to respond to all privacy requests within 30 days.