Privacy Policy
Your privacy is our top priority
Last Updated: October 13, 2025
Introduction
Welcome to CloakedCare. We are committed to protecting your privacy and personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our platform.
By using CloakedCare, you agree to the collection and use of information in accordance with this policy. If you do not agree with our policies and practices, please do not use our platform.
Information We Collect
Personal Information You Provide
We collect information that you voluntarily provide when using our platform:
- •Account Information: Email address, password (encrypted), username
- •Identity Verification: Government-issued ID, date of birth, legal name (for bill posters only)
- •Bill Information: Bill documents, merchant details, amounts, due dates
- •Payment Information: Payment card details (processed by third-party payment processors, not stored by us)
- •Profile Information: Optional profile details, preferences, communication settings
- •Communications: Messages, inquiries, and feedback you send to us
Information Collected Automatically
When you use CloakedCare, we automatically collect certain information:
- •Usage Data: Pages viewed, features used, time spent, click patterns
- •Device Information: IP address, browser type, device type, operating system
- •Cookies: Session cookies for authentication, preference cookies for settings
- •Transaction Data: Donation history, bill funding activity, timestamps
How We Use Your Information
We use the information we collect for the following purposes:
Platform Operation
- • Provide, maintain, and improve our services
- • Process donations and bill payments
- • Verify user identities and prevent fraud
- • Enable communication between users and support
Security & Compliance
- • Protect against fraud, abuse, and security risks
- • Comply with legal obligations and regulations
- • Enforce our Terms of Service
- • Respond to legal requests and prevent harm
Communication & Support
- • Send transaction confirmations and updates
- • Respond to your inquiries and provide support
- • Send important service announcements
- • Notify you of platform updates (with your consent)
Platform Improvement
- • Analyze usage patterns to improve user experience
- • Develop new features and functionality
- • Conduct research and analysis (with anonymized data)
- • Monitor platform performance and fix bugs
How We Share Your Information
We do not sell your personal information. We only share information in the following circumstances:
With Your Consent
If you choose to make your story public as a bill poster, we'll share only what you explicitly authorize. Donor information is never shared and remains fully anonymous.
Service Providers
We share information with trusted third-party service providers who help us operate the platform: payment processors, identity verification services, cloud hosting, email delivery, and security monitoring. These providers are contractually obligated to protect your data.
Bill Creditors
To process bill payments, we share necessary payment information with merchants (utility companies, medical providers, etc.). We only share what's needed to process the payment.
Legal Requirements
We may disclose information if required by law, subpoena, court order, or government request, or to protect the rights, property, or safety of CloakedCare, our users, or others.
Business Transfers
If CloakedCare is involved in a merger, acquisition, or sale of assets, your information may be transferred. We will notify you before your information becomes subject to a different privacy policy.
Anonymity & Privacy Protection
Default Anonymity
CloakedCare is designed with privacy at its core. By default:
- • Bill posters remain anonymous to donors and the public
- • Donors remain anonymous to bill posters and other donors
- • Your identity verification documents are never made public
- • Only you control what information you choose to share
Bill Poster Privacy Options
Bill posters can optionally choose to share additional information if they wish:
- • Share their story or context about their situation
- • Share their name
- • All sharing is opt-in and never required
- • Privacy settings can be changed at any time
Note: Donors remain fully anonymous at all times with no option to reveal their identity.
Data Security
We implement industry-standard security measures to protect your information:
Encryption
All data is encrypted in transit (TLS/SSL) and at rest. Passwords are hashed using industry-standard algorithms.
Access Controls
Strict access controls ensure only authorized personnel can access sensitive data, and only when necessary.
Secure Payment Processing
Payment information is processed by PCI-compliant third-party processors. We never store full payment card details.
Regular Audits
We conduct regular security audits and vulnerability assessments to identify and address potential risks.
Important: While we implement strong security measures, no method of transmission over the internet or electronic storage is 100% secure. We cannot guarantee absolute security.
Your Rights & Choices
You have the following rights regarding your personal information:
To exercise these rights, contact us through our Contact page or email us. We will respond within 30 days.
Additional Information
Data Retention
We retain your information for as long as your account is active or as needed to provide services. We may retain certain information for up to 7 years to comply with legal obligations, resolve disputes, and enforce agreements.
Children's Privacy
CloakedCare is not intended for users under 18 years of age. We do not knowingly collect personal information from children. If we discover we've collected information from a child, we will delete it immediately.
International Users
CloakedCare is based in the United States. If you access our platform from outside the U.S., your information may be transferred to, stored, and processed in the U.S. By using CloakedCare, you consent to this transfer.
Changes to This Policy
We may update this Privacy Policy from time to time. We will notify you of significant changes by email or through a prominent notice on our platform. The "Last Updated" date at the top will be revised. Your continued use after changes indicates acceptance of the updated policy.
Contact Us
If you have questions about this Privacy Policy or our privacy practices, please contact us through our Contact page.
Questions About Privacy?
We're committed to transparency and protecting your privacy. If you have any concerns, please reach out.
Contact Us