FINEV PRIVACY POLICY

Last Updated: November 01, 2024

Version: 1.0

Finev, Inc. ("Finev," "us," "we," or "our") is committed to protecting your privacy. This Privacy Policy explains how Finev collects, uses, and shares the personal information we collect from users of our web-based applications, tools and services (the "Service") as well as www.Finev.co and the other websites that we operate that link to this Policy (together with the Service, the "Websites").

With the exception of personal information we collect in connection with account registration and management for the Service, this Privacy Policy does not apply to our security and privacy practices in connection with any data, information or other materials submitted by you to the Service as part of an application for a loan.

BY ACCESSING OR USING OUR WEBSITES, YOU SIGNIFY THAT YOU HAVE READ, UNDERSTOOD AND AGREE TO OUR COLLECTION, STORAGE, USE AND DISCLOSURE OF YOUR PERSONAL INFORMATION AS DESCRIBED IN THIS PRIVACY POLICY.

1. HOW WE COLLECT AND USE PERSONAL INFORMATION

We and our third-party partners collect personal information in order to provide you with a personalized, useful and efficient experience. The categories of information we collect can include:

1.1 Information You Provide To Us

We and our third-party partners may collect any information that you provide to us during your use of the Websites or your other communications with us. The information we collect generally includes your name, email address, phone number, mailing address, identification number and information about your interactions with us.

1.2 Information We Collect Automatically

We and our third-party partners may automatically collect certain types of usage information when you use our Websites. For example, we may collect information about your device and its software, such as your IP address, browser type, operating system, device identifier and other such information, as well as information about the way you use our Websites, such as referring and exit web pages, the pages you visit, the links you click, frequency of access, and other actions you take.

We and our third-party partners may also collect data about your use of the Websites through the use of a variety of tracking technologies such as cookies, internet server logs, and/or tracking pixels. These technologies enable us to:

  • Recognize your computer;
  • Store your preferences and settings;
  • Understand the web pages you have visited;
  • Personalize your user experience;
  • Perform analytics; and
  • Assist with security functions.

1.3 Information From Third Parties

We may also obtain other information, including personal information, from third parties and combine that with information we collect through our Websites.

1.4 Third-Party Services and Plaid

We use Plaid Technologies, Inc. ("Plaid") to gather your financial institution account information to help us provide our services. By using our service, you acknowledge and agree that the information you provide to us is being collected by Plaid in accordance with their privacy policy, and that Plaid will transfer this information to Finev. You grant Plaid and Finev the right, power, and authority to act on your behalf to access and transmit your personal and financial information from the relevant financial institutions. Your information collected by Plaid will be treated in accordance with Plaid's Privacy Policy, which can be found at https://plaid.com/legal/#end-user-privacy-policy.

2. HOW WE USE PERSONAL INFORMATION

We and our third-party partners may use the information we collect to:

  • Perform our obligations under the Master Subscription Agreement;
  • Operate, provide and maintain the Websites;
  • Personalize the content that you see on the Websites;
  • Improve, develop, modify and enhance the Websites;
  • Respond to your inquiries or communicate directly with you;
  • Conduct research, analytics, and reporting;
  • Contact you for marketing and advertising purposes;
  • Comply with laws, regulations, and other legal process and procedure; and
  • To protect against fraud, malicious activity, and other privacy and security-related concerns.

3. HOW WE SHARE PERSONAL INFORMATION

We may share or disclose your personal information:

  • With third-party partners who help us provide our Websites or who perform services on our behalf, such as technology service providers, marketing partners, payments processors, legal services providers, or providers of other administrative functions;
  • If we determine, in our sole discretion, that we are required to do so under applicable law or regulatory requirements, or if we reasonably believe disclosure is necessary to prevent harm or financial loss, or in connection with preventing fraud or illegal activity, and/or to enforce our Master Subscription Agreement;
  • With other companies owned, controlled by, or under common ownership as Finev, Inc.;
  • With third parties if the information has been aggregated and striped of personally identifying characteristics; and
  • In the event we sell or transfer all, a portion of, or any combination of our businesses and/or assets to a third party.

4. CONTROL OVER YOUR PERSONAL INFORMATION

4.1 Automatically Collected Information

If you would prefer not to accept cookies, most browsers will allow you to delete or block all cookies. Please consult the "Help" section of your browser for more information. Please note that by blocking any or all cookies, you may not have access to certain features or offerings of the Websites. Although we do our best to honor the privacy preferences of our users, we are unable to respond to Do Not Track signals set by your browser at this time.

4.2 Email Communications

From time to time, we or our third-party partners may send you emails regarding our Websites, products, services or other information we think may be of interest to you. If you wish to unsubscribe from such emails, simply click the "unsubscribe link" provided at the bottom of the email communication. Note that you cannot unsubscribe from certain Service-related email communications.

4.3 Modifying Account Information

If you have an account with us, you have the ability to modify certain information in your account through the account information section of the Service. If you have any questions about modifying or updating any information in your account, please contact us at support@Finev.co.

5. DATA PROTECTION AND SECURITY

5.1 Data Storage and Transfer

Your information may be stored and processed in the United States or any other country in which Finev or its subsidiaries, affiliates or service providers maintain facilities. If you are located in the European Union or other regions with laws governing data collection and use that may differ from U.S. law, please note that we may transfer information, including personal information, to a country and jurisdiction that does not have the same data protection laws as your jurisdiction, and you consent to the transfer of information to the U.S. or any other country in which we or our parent, subsidiaries, affiliates or service providers maintain facilities and the use and disclosure of information about you as described in this Privacy Policy.

5.2 Keeping Information Safe

Finev cares about the security of your information and uses commercially reasonable physical, technical and organizational measures designed to preserve the integrity and security of all information we collect. However, no security system is impenetrable and we cannot guarantee the security of our systems. In the event that any information under our control is compromised as a result of a breach of security, we will take reasonable steps to investigate the situation and where appropriate, notify those individuals whose information may have been compromised and take other steps, in accordance with any applicable laws and regulations.

6. LINKS TO THIRD-PARTY WEBSITES AND SERVICES

For your convenience, our Websites may provide links to third-party websites or services that are not governed by this Privacy Policy. To the extent that any linked third-party websites or services you visit are not owned or controlled by Finev, we are not responsible for those websites' or services' content or information practices. We encourage you to review the privacy policies of any site or service before providing any personal information.

7. CHILDREN'S PRIVACY

Finev's Websites are intended for use strictly by adults. We do not knowingly solicit or collect personal information from children under the age of 13. If we learn that any personal information has been collected inadvertently from a child under 13, we will delete the information as soon as possible. If you believe that we might have collected information from a child under 13, please contact us at support@Finev.co.

8. CHANGES TO PRIVACY POLICY

We reserve the right to change this Privacy Policy from time to time in our sole discretion. We will post changes on this page and indicate the "last modified" date at the top of this page. Please check back often for any updates. Your continued use of our Service after any change in this Privacy Policy will constitute your acceptance of such change.

9. CONTACT US

For additional inquiries about this Privacy Policy, please send us an email at support@Finev.co.