Marketing Practices

1) Types of communications

We may send the following categories of communications, subject to your preferences and applicable law:

• Service/transactional messages — confirmations, security notices, request updates, or information necessary to provide the Services.
• Marketing messages — promotions, product updates, reminders, and educational information.
• Administrative notices — changes to policies, disclosures, and legal notices.

2) Channels

We may communicate through:

• Email
• SMS/text message (where permitted and with required consent)
• In‑app messages or push notifications (if applicable)
• On‑site banners and notices

3) Consent and opt‑in/opt‑out

Where required, we obtain consent before sending certain marketing messages (including some SMS programs). You can opt out of marketing communications at any time:

• Email: use the unsubscribe link in the email or visit Unsubscribe.
• SMS: reply STOP or follow the instructions in the message (where supported), or contact support.

Even if you opt out of marketing messages, we may still send service or legal notices where permitted by law.

4) Advertising and measurement

We may use analytics and measurement tools to understand engagement and improve the Services. We may also use advertising partners to measure performance and, where permitted, to show relevant ads. Depending on your jurisdiction, you may be able to opt out of “sale” or “sharing” as defined by law. See Do Not Sell/Share and our Privacy Policy.

5) Frequency and message content

Marketing frequency can vary based on your interactions and preferences. Messages may include education about comparing APR, reminders about completing a request, new feature announcements, and fraud-prevention tips.

6) Identity, fraud prevention, and scam warnings

CBW: Cash Advance & Loan App will never ask you to pay an upfront fee to “guarantee” approval. Be cautious of messages that request gift cards, wire transfers, cryptocurrency, or payment apps. Always confirm the sending domain matches cbwfinance.com and contact us if you suspect fraud.

7) Contact

For help with preferences or to report a suspicious message, contact [email protected] or visit Contact.