Privacy Policy

1. Information We Collect

• Identity Data: Name, address, date of birth, and government ID numbers (for KYC/CIP compliance).
• Financial Data: Bank account balance, transaction history, and direct deposit information (collected via Plaid).
• Device Data: IP address, device type, operating system, and usage data.

2. How We Use Your Data

We use your information to:

• Determine eligibility for "Instants" (Earned Wage Access).
• Facilitate crypto trades and custody via our partners.
• Prevent fraud and comply with federal regulations (AML/BSA).
• Send transaction notifications and service updates.

3. Data Sharing & Plaid

We do not sell your personal data. We share data only with trusted third parties to provide our services:

• Plaid Inc.: We use Plaid to connect your bank account. By using our service, you acknowledge that your data will be treated in accordance withPlaid’s Privacy Policy.
• Service Providers: Payment processors (e.g., Stripe, Dwolla) and Crypto Custodians to execute your instructions.
• Legal Authorities: When required by subpoena, court order, or fraud investigation.

4. Security

We use bank-grade encryption (AES-256) to protect your data in transit and at rest. We do not store your online banking credentials; these are managed securely by Plaid.

5. Your Rights

Depending on your location, you may have the right to request access to, correction of, or deletion of your personal data. To submit a request, please contact our Privacy Team.