Effective Date: June 1, 2023
1. Information We Collect
1.1. Personal Information: We may collect personal information such as your name, address, email address, phone number, date of birth, national identification number, social security number, financial information, employment details, and other similar information necessary to provide our banking services.
1.2. Financial Information: To facilitate transactions and provide banking services, we may collect and process financial information, including but not limited to account balances, transaction history, insurance policy information, insurance claims data, and other relevant financial data.
1.3. Device and Log Information: When you access our services, we may automatically collect information about your device, including your IP address, browser type, operating system, referring URLs, pages visited, and the dates and times of your interactions with our services.
2. Use of Information
2.1. Providing Services: We use the collected information to provide, maintain, and improve our fintech banking services, including processing transactions, managing accounts, verifying identities, and providing customer support.
2.2. Legal and Regulatory Compliance: We may use your personal information to comply with applicable laws, regulations, and legal obligations, including but not limited to anti-money laundering and fraud prevention requirements.
2.3. Communication: We may use your contact information to communicate with you regarding important service updates, account information, and promotional offers. You can opt-out of promotional communications at any time.
2.4. Data Analysis and Personalization: We may analyze the collected information to better understand your needs and preferences, personalize your user experience, and improve our services and offerings.
3. Information Sharing
3.1. Service Providers: We may share your personal information with trusted third-party service providers who assist us in operating our business and delivering our services. These service providers are contractually bound to protect your personal information and can only use it for the specific purposes outlined in our agreement with them.
3.2. Insurance Companies: In the context of providing fintech banking services that work with insurance companies, we may share your personal information with our partner insurance companies as necessary to facilitate insurance transactions, policy management, claims processing, and other related activities.
3.3. Legal and Safety Disclosures: We may disclose your personal information in response to legal process, law enforcement requests, or when we believe in good faith that disclosure is necessary to protect our rights, your safety or the safety of others, investigate fraud, or respond to a government request.
4. Data Security
4.1. We take appropriate technical and organizational measures to protect your personal information from unauthorized access, disclosure, alteration, or destruction. We regularly review and enhance our security measures to ensure the ongoing confidentiality, integrity, and availability of your data.
4.2. Despite our best efforts, no method of transmission over the internet or method of electronic storage is 100% secure. Therefore, we cannot guarantee absolute security of your personal information.
5. Data Retention
5.2. When we no longer need your personal information, we will securely delete or anonymize it, or if this is not possible (for example, due
to backup archives), we will securely store your personal information and isolate it from any further processing until deletion is possible.
6. Intended Use and Age Restrictions
6.1. Site Intended for Use in the U.S.: Our fintech banking services and this website are intended for use in the United States. If you access our services or provide personal information from outside the United States, you do so at your own risk, and you are responsible for complying with any local laws or regulations.
6.2. Children's Privacy: Our services are not intended for children under the age of 13. We do not knowingly collect personal information from children under 13. If you are a parent or guardian and believe that your child has provided us with personal information, please contact us using the information provided below, and we will take steps to delete such information.
7. Your Rights
7.1. You have the right to access, correct, update, or delete your personal information. You can exercise these rights by contacting us using the contact information provided below.
7.2. You have the right to object to or restrict the processing of your personal information in certain circumstances. However, such objections or restrictions may impact our ability to provide you with certain services.
8. Third-Party Links and Services
10. Contact Us