Privacy Policy

1. Information We Collect

We collect information that identifies, relates to, or could reasonably be linked to you (“Personal Information”).

• Identifiers: Name, alias, postal address, unique personal identifier, online identifier, IP address, email address, account name, Social Security number, driver's license number, or passport number.
• Financial Information: Bank account numbers, credit/debit card numbers, transaction history, and credit scores.
• Professional/Employment Information: Income levels and employment status (as required for credit or compliance).
• Usage Data: Information on how you interact with our website and application, including browser type, pages visited, and time spent.

2. How We Collect Information

• Directly From You: When you create an account, link a bank account, or contact support.
• Automatically: Through cookies, web beacons, and similar tracking technologies.
• Third Parties: From credit bureaus, identity verification services, and financial data aggregators (e.g., Plaid).

3. How We Use Your Information

We use the collected information for purposes including:

• Providing and maintaining our Services.
• Processing transactions and sending related information.
• Verifying your identity and preventing fraud.
• Complying with legal and regulatory obligations (e.g., AML and KYC requirements).
• Personalizing your experience and providing customer support.
• Marketing and promotional communications (where permitted by law).

4. How We Share Your Information

We do not sell your personal information. We may share information with:

• Service Providers: Third parties who perform services on our behalf (e.g., payment processing, data analysis, email delivery).
• Financial Partners: Banks or other financial institutions necessary to complete your transactions.
• Legal Authorities: To comply with a subpoena, court order, or other legal process.
• Business Transfers: In connection with a merger, sale of company assets, or acquisition.

5. Your Rights and Choices

Depending on your location (e.g., California or the EU), you may have the following rights:

• Access: The right to request copies of your personal information.
• Correction: The right to request that we correct inaccurate information.
• Deletion: The right to request that we delete your personal information, subject to certain legal exceptions.
• Opt-Out: The right to opt-out of marketing communications.

6. Data Security

We implement physical, technical, and administrative security measures to protect your information. This includes encryption (SSL/TLS), firewalls, and secure access controls. However, no method of transmission over the internet is 100% secure.

7. Data Retention

We retain your personal information for as long as necessary to provide the Services and comply with our legal obligations, resolve disputes, and enforce our agreements. In many financial jurisdictions, we are required to keep certain data for at least 5–7 years.

8. International Data Transfers

If you are accessing our services from outside the United States, please be aware that your information may be transferred to, stored, and processed in the United States.

9. Children's Privacy

Our services are not intended for children under the age of 13 (or 16 in certain jurisdictions). We do not knowingly collect personal information from children.

10. Changes to This Policy

We may update this Privacy Policy from time to time. The “Effective Date” at the top of this page indicates when it was last revised. We encourage you to review this policy periodically.