Privacy Policy

Last updated: May 30, 2023

This Privacy Policy is designed to empower and inform you about your privacy while using FinPlusTech products.

​General
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FinPlusTech, Inc. ("FPT," "we," "us" and/or "our") is dedicated to protecting your personal information and informing you about how we use it. This privacy policy (the "Privacy Policy" or the "Policy") is intended to provide information to our visitors ("you," "your") about how we collect, protect, share, store, process and use your information as part of our technology platforms, including, without limitation, our company website (the "Site"), mobile sites and/or applications (together with the Site, the "Services").

This Privacy Policy outlines how and when FPT collects, protects, shares, stores, processes and uses information that can identify you individually ("Personal Information"), such as your name, email, date of birth, social security number, telephone number, employment information, financial information such as paycheck information, account information (including account balance and transaction history) or debit card numbers), or identifiers and login information, such as your username and password, or a security token.

Personal Information does not include information that can no longer be used to identify you as an individual.

Please be sure to read this entire Privacy Policy before using or submitting information through the Services. By using or submitting information through the Services, you are indicating that you have thoroughly read and agree to be bound by the terms of this Privacy Policy as it is updated from time to time. This Privacy Policy is incorporated into FPT's Terms of Services in FPT products. Any capitalized term that is not defined in this Policy shall have the meaning given to it in the Terms of Services. This Privacy Policy covers the privacy practices of FPT only. This Policy does not apply to the practices of third-party websites, services, or applications, including third parties with which we partner. These third-party services are governed by each such third party's privacy policy. FPT is not responsible for the privacy policies and practices of technology platforms other than that of FPT, and FPT is not responsible for the failure of third parties to honor their privacy obligations.

By including a link to a third party’s website, we do not endorse or recommend any products or services offered or information contained at the third-party website. If you decide to visit a third-party website via a link contained on the Services, you do so at your own risk.


Information We Collect

When you interact with us through the Services, we may collect Personal Information and other information from you, as further described below:

Personal Information That You Provide Through the Services

We collect Personal Information from you when you provide such information, such as when you create an account ("Account"), complete and/or use one of our online forms, tools or content items, contact us with inquiries, respond to one of our surveys, or use certain Services. If you sign up for the Services, you will be asked to provide Personal Information such as your email address, first and last name, telephone number, unique personal identifier, signature, usernames and passwords, and other information that identify you. We may also collect Personal Information such as education, audio, and visual information about you if you participate in surveys or research.

Information We Collect Automatically

Site Usage Information: FPT may use a variety of technologies that passively or automatically collect information about how the Services are accessed and used. The information may include (i) your browser type, (ii) device type, (iii) operating system, (iv) application version, (v) the pages served to you, (vi) the time you browse, (vii) preceding page views, (viii) and your use of particular features of the Services. This statistical data helps us understand what is interesting and relevant to users of the Services so that we can best tailor our content to you.

Our Site also may collect personal information using cookies, which are small text files that are saved to your browser. You may have the ability to accept or decline cookies using your web browser settings. If you choose not to accept cookies from the Services, you may not be able to take full advantage of its features or to receive some of the services that it provides.  

Device Identifiers: FPT also automatically collects an IP address or other unique identifier for the computer, mobile device, technology or other device (collectively "Device") you use to access the Services. A "Device Identifier" is a number that is automatically assigned to your Device when you access a web site or its servers, and our computers identify your Device by its Device Identifier. We may use a Device Identifier to, among other things, administer the Services, help diagnose problems with our servers, analyze trends, track users' web page movements, monitor against identity theft and fraud, and gather broad demographic information for aggregate use. If you access the Services on a mobile Device, we may request access to settings and location information for similar purposes and to personalize your experience with the Services. Most mobile devices allow you to turn off location services or push notifications.

Session Trackers: In operating the Services, we may use cookies and similar session tracking technologies ("Session Trackers"). Session trackers help provide additional functionality to the Services, customize users' experiences with the Services and help us analyze Services usage more accurately for research and product development purposes. We (including third parties that we work with) may place session trackers on your Device for security purposes, to facilitate navigation of the Services, and to personalize your experience while using our Services. If you would prefer not to accept Session Trackers when using the Services, follow the instructions provided by your website or mobile browser (usually located within the "Help", "Tools" or "Edit" facility) to modify your Session Tracker settings. Please note that if you disable Session Trackers, you may not be able to access certain parts of our Services and other parts of our Services may not work properly. As a result, we recommend that you leave Session Trackers turned on when accessing the Services because they allow you to take advantage of some of the Services' features.

Web Beacons: In addition to Session Trackers, we may use web beacons (also known as "clear GIFs"), which are transparent graphic images placed on a web page or in an email and indicate that a page or email has been viewed or tell your browser to get content from another server. We use web beacons to measure traffic to or from, or use of, our online forms, tools or content items and related browsing behavior and to improve your experience when using the Services. We may also use customized links or other similar technologies to track hyperlinks that you click and associate that information with your Personal Information in order to provide you with more focused communications.

Non-Personal Information: Additionally, we may modify and combine Personal Information in a manner that does not personally identify you or any other individual and thus, no longer constitutes "Personal Information". We may use this non-Personal Information, such as aggregate user statistics, demographic information, and usage information, for any lawful purpose.


Marketing or Promotional Purposes

Email Communications: We may use your Personal Information to provide you with marketing or other promotional communications via email. If, at any time, you would like to stop receiving these promotional e-mails, you may follow the opt-out instructions contained in any such e-mail. Please note that by opting out, you may prohibit FPT from informing you of offerings that may be of interest to you. It may take up to ten business days for us to process opt-out requests once received. If you opt-out of receiving emails or promotions from us, we still may send you e-mails about your Account or any products or services you have requested or received from us, or for other customer service purposes.

When do we disclose the Personal Information, we collect?

Except as provided herein, FPT will not sell, rent or otherwise disclose Personal Information about you to third parties.

Third party providers. We may share your Personal Information with unaffiliated third parties that provide certain services to us, including, but not limited to data analysis, payment processing, data retention, and risk management. These third parties may have access to Personal Information or non-Personal Information in order to perform their functions on our behalf. However, these third parties are only permitted to use your Personal Information for the purpose for which it has been provided or to administer, service or process transactions that you have authorized, and may not disclose it to any other third party except at our express direction and in accordance with this Policy. We do not share your Personal Information with: (1) other financial companies for joint marketing purposes; (2) affiliated companies for their everyday business purposes; or (3) any third parties so that they can market to you.


Business Transfers: As we continue to develop our business, we may sell or purchase assets. If another entity acquires us or our assets, or assets related to the Services, Personal Information, information about how the Services are accessed and used, and any other information that we have collected about the users of the Services may be disclosed to such entity as one of the transferred assets. Also, if any bankruptcy or reorganization proceeding is brought by or against us, all such information may be considered an asset of ours and as such may be sold or transferred to third parties.

Legal disclosures. FPT may transfer and disclose information, including your Personal Information, information about how the Services are accessed and used, and information from our service providers, to third parties with a legal obligation; when we believe in good faith that the law requires it; at the request of governmental authorities conducting an inquiry or investigation; to verify or enforce our Terms of Service or other applicable policies; to respond to an emergency; or otherwise to protect the rights, property, safety or security of third parties, visitors to our Services or the public.

With your permission, and at your direction or request, we may share your Personal Information with specified third parties.

Other Business Activities: We may share Personal Information to conduct any other legitimate business activities not otherwise prohibited by law.

Your Privacy Rights and Information Retention

If you wish to modify, verify, correct, delete, or update any of your Personal Information collected through the Services, you may edit your Account information or contact usIn accordance with our routine record keeping, we may delete certain records that contain Personal Information you have submitted through the Services. We are under no obligation to store such Personal Information indefinitely and disclaim any liability arising out of, or related to, the destruction of such Personal Information. In addition, you should be aware that it is not always possible to completely remove or delete all of your information from our databases without some residual data because of backups and other reasons.  We will retain your Personal Information as long as your Account has not been deactivated, or as needed to provide you services, comply with our legal obligations, resolve disputes, or enforce our agreements. An Account will be considered "deactivated" if you affirmatively request that we deactivate your account by emailing us a. We will deactivate a user Account promptly within 30 days of receiving your written request.