Privacy Policy

Last Updated: February 4, 2026

This Privacy Policy describes how Plume Money LLC, a subsidiary of Coco & Rex LLC ("Plume Money," "we," "us," or "our"), collects, uses, discloses, and protects your personal information when you use our website and services (collectively, the "Service"). We are committed to safeguarding your privacy and ensuring that you understand how your data is handled. By using Plume Money, you agree to the collection and use of information in accordance with this Privacy Policy. If you do not agree, please do not use the Service.

We may update this Privacy Policy from time to time (we will notify you of material changes), but this version is current as of the "Last Updated" date above.

SMS & Mobile Messaging

We collect mobile phone numbers when users voluntarily provide them through our website or application.

Phone numbers are used solely for customer support and transactional messages related to account activity, project updates, milestone notifications, and service communications, where explicit consent has been provided.

SMS consent is collected through clear, unchecked opt-in checkboxes and is not required to use the Plume platform.

Message frequency may vary. Message and data rates may apply.

Users may opt out at any time by replying STOP. For help, reply HELP.

Mobile information will not be shared with third parties or affiliates for marketing or promotional purposes. We only share information with SMS service providers necessary to deliver messages.

1. Information We Collect

We collect various types of information from you when you interact with our Service. This includes:

A. Information You Provide Directly:

• Account Registration Data: When you sign up for Plume Money, we collect information such as your name, email address, phone number, and mailing address. If you register as a business or contractor, we may also collect your business name, business address, employer identification number (EIN), or other business registration details.
• Identity Verification Data: To comply with legal requirements and secure the platform, we will collect personal identifiers such as your date of birth, Social Security Number (SSN) or Social Insurance Number (SIN) (where permitted and needed), government-issued identification (e.g., driver's license, passport numbers), and any photographs or scans of identity documents you upload.
• Financial Information: To facilitate payments, we collect payment method details. Customers might provide credit card numbers or bank account information to fund projects; Providers might provide bank account details for receiving payouts.
• Project and Transaction Information: When you create a project or milestone, we record details about it – e.g., project descriptions, milestone titles and amounts, any project addresses or locations, and communications through our platform about the project.
• Communications: If you communicate with us (for example, via support emails to team@plume.money or via an in-app chat/support widget), we will collect the information you provide in those communications.

B. Information We Collect Automatically:

• Usage and Log Data: We collect log files and event information about your activity on the Service. This includes details like the pages or screens you view, the features you use, the time and date of each request or action, and interaction information.
• Device and Technical Data: We collect information about the devices you use to access the Service. This may include the IP address of your device, your device's operating system and version, device identifiers, browser type and version, and other device settings.
• Cookies & Tracking Technologies: Plume Money uses cookies and similar tracking technologies (like web beacons, pixels, and local storage) to collect information about your usage and remember your preferences.
• Location Information: We do not "track" your precise GPS location by default, but we can infer your general geographic region from your IP address.

C. Information from Third Parties:

• Verification Services: As part of KYC, we may use third-party identity verification and fraud prevention services.
• Financial Partners: If you link a bank account or card, or use our financing options, we might receive information from the relevant partner.
• Other Users: Sometimes one user may provide information about another. For instance, a Customer might provide the email of a contractor to invite them to the platform.

2. How We Use Your Information

We use the collected information for various legitimate business purposes, including:

• To Provide and Operate the Service: Account setup and authentication, facilitating projects and transactions, communication between users, AI feature enablement, customer support, and maintaining service quality.
• To Ensure Trust and Safety: Verification and security, fraud prevention and detection, dispute resolution, enforcing our Terms, and legal compliance.
• To Communicate with You: Service and transactional communications, marketing and promotions (with opt-out options), and reminders and suggestions.
• To Improve and Analyze the Service: Analytics, research and development, testing and debugging, and aggregated data uses.
• With Your Consent: If we ever want to use your personal information for a purpose not covered by this Privacy Policy, we will ask for your consent.

3. How We Share Your Information

Plume Money respects your privacy – we do not sell your personal information to third parties for their own marketing purposes. However, we do need to share certain information with third parties in the following contexts:

• Service Providers (Processors): Payment processing partners, identity verification services, cloud hosting and data storage, email and communication providers, analytics and performance tools, artificial intelligence API services, and other vendors.
• Other Users of the Platform: When you engage in a project, the other party will see basic identifying information about you. As a project progresses, the parties will naturally share information.
• Legal and Compliance: We may disclose your information when required by law, to enforce our rights, to prevent harm or illegal activities, or to protect ourselves and others.
• Business Transfers: If Plume Money is involved in a merger, acquisition, or similar transaction, your information may be transferred as part of that transaction.
• With Your Consent: Beyond the scenarios above, if there's ever a reason to share your info in a way not covered, we will ask for your explicit consent.

4. Your Choices and Rights

You have several choices regarding your personal information and how we communicate with you:

• Accessing and Updating Your Information: Through your Plume Money account settings, you can access and update much of your personal data.
• Communication Preferences: You can opt out of marketing emails at any time by clicking the "unsubscribe" link in those emails or by adjusting your email preferences in your account settings. Please note that you will still continue to receive transactional and administrative emails.
• Account Deactivation and Data Deletion: If you wish to deactivate or delete your account, you can contact us at team@plume.money with your request.
• Your Rights (for residents of certain regions): Depending on your jurisdiction, you may have specific legal rights regarding your personal data, such as rights under CCPA (California), PIPEDA (Canada), or GDPR (EU/EEA/UK).

5. Security Measures

We take security seriously and employ a variety of technical and organizational measures to protect your personal information from unauthorized access, alteration, disclosure, or destruction. However, no method of transmission over the Internet or method of electronic storage is 100% secure, so we cannot guarantee absolute security.

Some of the security steps we take include: encryption of communications and sensitive data, access controls on a need-to-know basis, security testing and audits, monitoring for anomalies, data redaction where possible, and physical security at our data centers.

6. International Data Transfers

Plume Money is based in the United States. If you are using our Service from outside the US (for example, from Canada), be aware that your information will be transferred to and stored on servers in the United States (and possibly other jurisdictions where our service providers are located). The data protection laws of these countries may differ from those in your home country.

By using our Service, you consent to the transfer of your personal information to the United States and other jurisdictions as necessary for the purposes described in this Privacy Policy. We will take steps to ensure your data is protected in line with this Policy wherever it is processed.

7. Children's Privacy

Plume Money is not intended for use by anyone under the age of 18. We do not knowingly collect personal information from children under 18 years old. If you are under 18, please do not use our Service or provide any personal information to us.

In the event we learn that we have inadvertently collected personal data from a child under 18, we will take immediate steps to delete such information from our records.

8. Third-Party Links

Our Service may contain links to websites or services that are not operated by Plume Money. If you click a third-party link, you will be directed to that third party's site. This Privacy Policy does not apply to information collected on any third-party site or service that you access from our platform.

We have no control over and assume no responsibility for the content, privacy policies, or practices of any third-party websites or services. We encourage you to review the privacy policies of any third-party site you visit before providing any personal information.

9. Changes to this Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or for other operational, legal, or regulatory reasons. If we make material changes to how we handle personal data, we will provide you with notice – for example, by email (to the address associated with your account) or by posting a prominent notice on our website. The date of the latest revision will be indicated at the top of this Policy.

Your continued use of the Plume Money Service after any changes or revisions to this Privacy Policy become effective indicates that you agree to the terms of the revised Privacy Policy. If you do not agree to any updated terms, you should stop using the Service and, if you wish, delete your account.

10. Contact Us

If you have any questions, concerns, or requests regarding this Privacy Policy or your personal information, please feel free to contact us:

Plume Money – Privacy Team
Email: team@plume.money

We will do our best to address your inquiry promptly and thoroughly. If you contact us to exercise a privacy right, we may need to verify your identity for security purposes before executing your request.

Your trust is important to us. We welcome feedback on our privacy practices and will continue to prioritize the security and privacy of our users' data. Thank you for choosing Plume Money!