Cache Scout ("we," "us," or "our") is an informational software tool that helps individual consumers discover, track, and pursue checking account sign-up bonuses offered by banks and credit unions. Cache Scout is not a bank, brokerage, money-services business, investment advisor, or licensed financial planner. Nothing in Cache Scout — including generated plans, eligibility assessments, or milestone schedules — constitutes financial, tax, investment, or legal advice.

By using Cache Scout you represent that you are at least 18 years old, a legal US resident, and have the legal authority to enter into this agreement. If you use Cache Scout on behalf of a business, you represent that you have authority to bind that business. Use of the service constitutes acceptance of these terms.

Cache Scout generates plans based on publicly available offer text that you provide. Bank offers change frequently without notice and may contain restrictions not captured in the text. Cache Scout makes no warranty, express or implied, that any bonus will be awarded. You are solely responsible for reading, understanding, and complying with your bank's current, official offer terms before opening any account. Always verify requirements directly with the bank.

ChexSystems and banking history. Opening multiple checking accounts in a short period may result in inquiries to ChexSystems or similar consumer reporting agencies. An elevated number of inquiries or negative items on your ChexSystems report can result in denial of future account applications and may affect your ability to participate in additional bonus offers. Cache Scout is not responsible for any account denials, ChexSystems flags, credit impacts, or other consequences arising from account-opening activity undertaken using this service. Users are encouraged to review their own ChexSystems report before pursuing multiple simultaneous offers.

Checking account bonuses are generally treated as taxable miscellaneous income by the IRS and may be reported to you on Form 1099-INT or 1099-MISC. You are solely responsible for accurately reporting all bonus income on your federal, state, and local tax returns. Cache Scout does not provide tax advice. Consult a qualified tax professional with questions about your specific situation.

Cache Scout uses Anthropic's Claude AI to parse offer text and generate plans. Access to these features requires a paid Cache Scout account. AI processing is handled server-side via our Cloudflare Workers infrastructure — you do not need your own Anthropic API key. Cache Scout's Anthropic API credentials are never exposed to end users.

Plan generation is sold on a per-plan basis ($4.99 for a single-offer plan; $7.99 for a two-offer stack; $9.99 for a three-offer stack) or as a one-time unlimited license ($29.99). All sales are final. If a plan fails to generate due to a verified technical fault on our part, we will issue a credit or refund at our sole discretion. We reserve the right to change pricing at any time; changes will not affect plans already purchased.

You agree not to: (a) use Cache Scout to open accounts fraudulently or in violation of any bank's terms; (b) resell or redistribute generated plans; (c) reverse-engineer or scrape Cache Scout; (d) use Cache Scout in any way that violates applicable law or regulation, including the Bank Secrecy Act or anti-money-laundering rules.

Cache Scout and all underlying software, design, and content are owned by us or our licensors and are protected by copyright, trademark, and other intellectual property laws. You are granted a limited, non-exclusive, non-transferable license to use Cache Scout for your personal, non-commercial use only.

Cache Scout is provided "as is" and "as available" without warranties of any kind, whether express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, or non-infringement. We do not warrant that the service will be uninterrupted, error-free, or that any particular bonus will be achievable.

To the maximum extent permitted by law, Cache Scout's total liability to you for any claim arising out of or related to this agreement is limited to the amount you paid us in the 12 months preceding the claim. We are not liable for any indirect, incidental, special, consequential, or punitive damages, including lost bonuses, account fees, account closures, credit-score impacts, or lost profits, even if advised of the possibility of such damages.

You agree to indemnify and hold harmless Cache Scout, its officers, directors, employees, and agents from any claims, damages, losses, and expenses (including reasonable attorneys' fees) arising out of your use of the service, your violation of these terms, or your violation of any rights of a third party.

These terms are governed by the laws of the State of Delaware, without regard to conflict-of-law principles. Any dispute that cannot be resolved informally will be submitted to binding arbitration under the rules of the American Arbitration Association in Delaware. Class-action lawsuits and class-wide arbitration are waived to the extent permitted by law.

We may update these terms at any time by posting a revised version. Continued use of Cache Scout after the effective date of any changes constitutes your acceptance of the updated terms. We will attempt to notify you of material changes via email if you have provided one.

Questions about these terms: legal@cachescout.com

Cache Scout ("we," "us," "our") operates the Cache Scout web application. This policy explains what personal data we collect, how we use it, who we share it with, and what rights you have. If you have questions, contact us at privacy@cachescout.com.

Information you provide directly: First name, email address, US state of residence, pay frequency, per-paycheck commit amount, preferred bank channel, and bank history you select. You also paste bank offer text for parsing; that text may contain personal or sensitive language — do not paste documents containing Social Security numbers, account numbers, or passwords.

Automatically collected: We may log anonymous usage events (e.g., plan created, parse attempted) for product analytics. We do not fingerprint your device or sell advertising data.

AI processing: Offer text you submit for parsing is transmitted to our servers, which communicate with Anthropic's Claude API to extract offer details. We do not retain offer text after each request completes.

We use your profile data solely to: screen offers for your eligibility, generate personalized milestone plans, deliver plan reminder emails and SMS messages, and improve the accuracy of our AI parsing. We do not use your data for advertising, profiling, or sale to data brokers.

Anthropic Claude API: Offer text and plan generation requests are processed via our Cloudflare Workers server, which communicates with Anthropic's API. We transmit only the offer text you provide and do not retain it after the request completes. Anthropic's privacy policy applies to data processed through their API.

Payment processing: Payments are handled by Stripe. Cache Scout never sees or stores your card number. Stripe's privacy policy governs payment data.

Email / SMS reminders: Plan reminder messages are delivered via a transactional email and SMS provider. We share only your email address or phone number and the specific reminder content required to deliver that message.

App state (vault, plans, profile) is stored in your browser's localStorage on your device. If you create a cloud account, we store your data in encrypted, access-controlled databases hosted in the United States. We use TLS in transit and AES-256 at rest. No storage system is 100% secure; use Cache Scout at your own risk.

Cache Scout uses localStorage (not third-party cookies) to persist your session and app state between visits. We do not use advertising trackers, third-party pixels, or cross-site tracking cookies. You can clear localStorage at any time via your browser settings or the "Delete all my data" button on the profile page.

We retain your account data while your account is active. Closed plan records are retained for 12 months after closure for support and dispute-resolution purposes, then permanently deleted. Anonymized, aggregated analytics data may be retained indefinitely.

All users: You may delete all locally stored data at any time via the "Delete all my data" button. To request deletion of any server-side data, email privacy@cachescout.com.

California residents (CCPA): You have the right to know what personal information we collect, to delete it, to opt out of its sale (we do not sell it), and to non-discrimination for exercising these rights. Submit requests to privacy@cachescout.com.

EEA / UK residents (GDPR): You have the right to access, rectify, erase, restrict, and port your personal data, and to object to processing. Our legal basis for processing is your consent (given on sign-up) and our legitimate interest in providing the service. Contact us at privacy@cachescout.com to exercise these rights.

Cache Scout is not directed to children under 18. We do not knowingly collect personal data from anyone under 18. If you believe we have inadvertently collected such data, contact us immediately and we will delete it.

We may update this policy from time to time. We will post the revised policy with a new effective date and, for material changes, attempt to notify you by email. Continued use of Cache Scout after the effective date constitutes acceptance of the updated policy.

Privacy questions or requests: privacy@cachescout.com