Esta política describe cómo Cashmit le envía las comunicaciones de forma electrónica. Podemos modificar esta política en cualquier momento, tal como se establece en el Acuerdo de usuario de Cashmit.
Secure your account quickly if something doesn’t look right. Email: suspicious@cashmit.com
Trouble signing in or unlocking your account. Email: account.access@cashmit.com
Issues with sending, receiving, or processing payments. Email: disputes@cashmit.com
Issues with sending, receiving, or processing payments. Email: account@cashmit.com
Reach out to our support team directly. Email: support@cashmit.com
Reach out to out business team. Email: business@cashmit.com
Download the Cashmit app, tap Sign Up, and follow the steps to verify your phone, email, and identity.
If you forgot your password, you can reset it directly from the log-in screen.
To reset your password
1. On the log-in screen, tap Forgot Password.
2. Enter the email or mobile number linked to your Cashmit account.
3. Check your email inbox or text messages for a reset link or code.
4. Follow the link and create a new password — it must be 8–20 characters long and include at least one number or symbol.
5. Log back in with your new password.
To change your password while signed in
1. Open the Cashmit app and go to Settings → Security → Change Password.
2. Enter your current password, then your new password.
3. Confirm and tap Save.
You may be asked to verify your identity using a 6-digit OTP sent to your registered phone
If you received a suspicious email, text, or link
Cashmit will never ask for your password, 6-digit OTP, or payment info by phone, text, or email.
If something looks unusual — stop, don’t click, and report it.Common signs of a fake message:
1. Generic greeting (e.g., “Dear cashmit user”) instead of your name
2. Links that don’t lead to cashmit.com
3. Unexpected attachments or invoices
4. Urgent messages asking you to “verify” or “update” immediately
How to report itIf you receive a suspicious message or link:
1. Do not click any links or download attachments.
2. Do not reply or share personal details.
3. Forward the full message to suspicious@cashmit.com.
4. Delete the message from your inbox.
If you see unauthorized activity in your account or believe your account may be compromised, email lock@cashmit.com immediately.
SMS or phone callsIf you receive a suspicious text or call:
1. Take a screenshot showing the number and message.
2. Forward it to suspicious@cashmit.com.
3. Then delete the message or block the number.
Protect your Cashmit accountIf you accidentally shared information or clicked a fake link:
1. Change your Cashmit password immediately (Settings → Security → Change Password).
2. Lock your account by emailing lock@cashmit.com.
3. Contact your bank or card provider to secure your linked accounts.
4. Review your Cashmit transactions for anything unfamiliar.
Only trust emails from @cashmit.com.
Cashmit will never ask for your OTP, password, or account codes through calls, texts, or third-party links.
Before you close your accountIf you decide to close your Cashmit account, please make sure you’ve moved or withdrawn all available funds. Once your account is permanently closed, you’ll lose access to any remaining balance and past transaction details.You can move your money by:
Transferring funds to your linked bank account or debit card
Sending money to another Cashmit user
Returning a payment to the original sender
All pending transfers or transactions must be completed before the account can be closed.After your account is closed, a final summary of your transactions will be sent to the email address on file.
How to close your account. You can close your Cashmit account at any time using the app. From the Cashmit App:
1. Open the Cashmit app and go to Settings icon.
2. Click Account tab.
3. Under Account Control, select Close Cashmit Account.
4. Review the confirmation message and tap Confirm to finish.
Need help closing your account?
You can reach Cashmit Support directly through the app or by email.
In the Cashmit App : Go to Settings → Click Get Help→ Tap Help Center → Under Get Help get the email for support.
Or contact us by
email: close@cashmit.com
Our team will verify your identity and guide you through the account closure process securely.
When you sign in to Cashmit from a new device, we may send a verification code to the phone number linked to your account. Entering this code confirms that you are the rightful account holder.If you no longer have access to the phone number on file, try signing in from a device you’ve previously used to access Cashmit.
Important:
Do not create a new Cashmit account with your new phone number. Each individual is allowed only one Cashmit account, as stated in the Cashmit User Agreement.
How to Update Your Phone Number
Once you regain access to your account:
In the Cashmit App
Go to your Settings tab.
Tap the Account icon in the top-right corner.
Select Phone Number.
Tap Number.
Enter your new phone number in the number field.
Tap Save.
You’ll receive a verification code by phone — enter it to confirm the change.
Never share your Cashmit verification code with anyone.
Cashmit will never request your six-digit verification code through a phone call, text message, email, or chat.
To keep your account secure and compliant, Cashmit may request specific documents to verify your information.
Document reviews are typically completed within 24–48 business hours once submitted.
Please make sure all documents are clear, readable, current, and not expired.
Unless otherwise noted, documents must be dated within six months of the account creation date.
Business Address Validation
For business accounts, please provide one of the following:
Articles of Incorporation
Business License
Certificate of Formation
Certificate of Good Standing
EIN Verification Letter
Utility Bill
Lease Agreement
Bank Statement
Credit Card Statement
EIN Validation (for businesses)
Articles of Incorporation
Business License
Certificate of Formation
Certificate of Good Standing (if EIN is included)
EIN Verification Letter
Business Standing Validation
Articles of Incorporation
Business License
Certificate of Formation
Certificate of Good Standing
EIN Verification Letter
Individual Address Validation
For individual accounts, please provide one of the following:
Utility BillLease Agreement
Bank Statement
Credit Card Statement
Driver’s License
Driver’s Permit
Mortgage Statement
State ID Card
Tribal ID
TIN (Tax Identification Number) Validation
If using an SSN:
Social Security Card
W2
Pay Stub or Earnings Statement
1099 Form1095 Tax Statement
If using an ITIN:
W2 or W9
Pay Stub or Earnings Statement
U.S. Federal Tax Return (Form 1040)
1099 Form
1095 Tax Statement
Name Validation
Birth Certificate
Divorce Decree
Driver’s License or Driver’s Permit
Marriage Certificate
Legal Name Change Court Order
Passport
State ID Card
Tribal ID
Note: Non-U.S. government-issued IDs are not accepted. All IDs must be current and unexpired.
Date of Birth (DOB) Validation
Birth Certificate
Passport
Driver’s License or Driver’s Permit
State ID Card
Tribal ID
Note: Non-U.S. government-issued IDs are not accepted. All IDs must be current and unexpired.
Processing Time
Once your documents are uploaded, our team will review them within 24 to 48 business hours.
If additional information is needed, you’ll receive a secure message or email from Cashmit.
If something doesn’t look right with your Cashmit account, our support team is here to help.You can manage most issues directly in the Cashmit app under Settings → Get Help, or contact us by email using the options below.
Business accounts
For support with your business profile, transactions, or verification.
Email: business@cashmit.com
Suspicious activity If you notice anything unusual, lock your account immediately in the app or email us for assistance.
Email: suspicious@cashmit.com or lock@cashmit.com
Suspicious activity
Secure your account quickly if something doesn’t look right.
Email: suspicious@cashmit.com
Account access
Trouble signing in or unlocking your account.
Email: account.access@cashmit.com
Cashmit transactions
Issues with sending, receiving, or processing payments.
Email: disputes@cashmit.com
Manage account details
Need to update your information or settings.
Email: account@cashmit.com
Need something else?
Reach out directly to our support team.
Email: support@cashmit.com
Always verify that messages come from @cashmit.com before responding. Cashmit will never request your 6-digit verification code, password, or banking information by call, text, or email.
Delete Your Cashmit AccountTo request data deletion, you must first close your Cashmit account.
Account closure permanently disables your access and ends all active transfers.
You can close your account in the Cashmit App under
Settings → Account → Close Cashmit Account,
or by emailing close@cashmit.com.
Once your account is closed and verified, you may request data deletion by contacting our Data Team at data@cashmit.com.
We’ll remove any information that’s not required for legal or compliance purposes.
Data Retention
As a regulated financial service provider, Cashmit Inc. is required by federal and state law to maintain certain records for compliance and security.
This includes verified identity (KYC/KYB) information, transaction history, and financial audit records.
These records are securely retained for ten (10) years after account closure to comply with the Bank Secrecy Act (BSA), Anti-Money Laundering (AML), and related financial regulations.
How Long We Store Your Personal Information
We retain your Personal Information only as long as needed or permitted, consistent with the purpose for which it was collected and in accordance with applicable law.
1. The criteria used to determine our retention period include:
2. The duration of your ongoing relationship with CashmitLegal obligations under federal and state regulations (e.g., Anti-Money Laundering and recordkeeping laws)
3. The need to maintain records for litigation, audits, investigations, or to defend against potential legal claims
Personal Information associated with your account is kept for the duration of your Cashmit relationship plus up to ten (10) years unless a longer period is required by law or for compliance purposes.
After that, all data is securely and permanently deleted from our systems in accordance with applicable financial and privacy regulations.
View Your Cashmit Transaction History
You can view all your recent transfers, payments, and receipts directly in the Cashmit App.In the Cashmit App:
1. Open the Cashmit App and go to History from the main menu.
2. Tap the History tab to view your activity feed.
3. Select any transaction to see full details, including payment type, date, and status.
Download or Email Your Cashmit Account Statement
Account statements provide a detailed summary of your monthly activity, including all transactions, fees, and transfers.
You can download or email your statement in PDF format. To access your statement:
1. Go to Settings → Statements.
2. Choose the month and year you want to view.
3. Tap Download PDF to save it to your device, or select Send to Email to receive it by mail.
How Cashmit Transfers Work
All Cashmit transfers are instant (Seconds to Minutes) — 24/7, including weekends and U.S. holidays. Funds typically move to and from your wallet within seconds.
In rare cases, such as network maintenance, bank review, or system downtime, Cashmit may automatically process the transfer through:
1. Same-Day ACH: completes within the same business day.
2. Standard ACH: completes within 1–2 business days (only used as a last-resort backup).
When Delays Can Occur
Transfers may take longer if:
1. Your bank is undergoing maintenance or review.
2. You initiate a transfer during a system update.
3. The transaction triggers a compliance or security check.
Cashmit will notify you if your transfer switches from instant to ACH processing.
For faster and more reliable transfers, we recommend linking a bank account as your primary payment method.
You can securely connect your bank in the Cashmit app through Plaid.
To add or change your bank account:
1. Go to Wallet → Payment Methods.
2. Tap Add Bank Account.
3. Select your bank and sign in securely through Plaid.
4.Once linked, your bank will appear as your default payment method for transfers and payments.
Add a Debit Card (optional)
You can also add a debit card for quick funding or withdrawals.
To add a debit card:
1. Go to Wallet → Payment Methods.
2. Tap Add Debit Card and enter your card details.
3. Save to confirm.
Before Sending a Payment
When sending money, always check the payment method shown at the bottom of the payment screen. Tap it to switch between your linked bank accounts or debit cards before confirming the payment.
Once a payment is sent, the method can’t be changed.
Why is my account suspended?
To protect users and comply with federal financial regulations, Cashmit may temporarily freeze or suspend an account if unusual or restricted activity is detected.
This may include:
1. Activity that appears inconsistent with the Cashmit User Agreement
2. Security or identity verification concerns
3. Reversed or disputed payments under review
You’ll receive an email notification if your account is frozen — please check your inbox (and spam folder) for details.
How to Reinstate Your Account
If your account has been suspended, our team will need to verify your identity or review specific transactions before restoring access.
To unlock your account:
1. Reply directly to the email you received from Cashmit regarding the suspension, or
2. Contact us at lock@cashmit.com for assistance.
If you’ve already been contacted by our team, follow the instructions provided in your email to complete verification or document review.
What it means
A payment in “Pending” status means it hasn’t reached the recipient yet.
This can happen if:
1. The recipient’s phone number or email isn’t verified, or
2. The recipient hasn’t finished setting up their Cashmit account.
Your payment method is authorized, but the funds won’t move until the recipient completes verification.
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