Privacy Policy

This Privacy Notice covers the following topics:

• COLLECTING AND USING INFORMATION
• COOKIES AND OTHER TRACKING TECHNOLOGIES
• THIRD PARTY PROCESSORS
• “DO NOT TRACK” SIGNALS
• CHOICES ABOUT YOUR INFORMATION
• SECURITY
• THIRD PARTY LINKS
• CHILDREN’S PRIVACY
• HOW TO CONTACT US

1. Collecting and Using Information

Information We Collect Online
‍We collect information from you through your use of the Site and Services, which may include Personally Identifiable Information about the beneficial owners of your business. Personally Identifiable Information is individually identifiable information about any person that we collect online and that we maintain in an accessible form.

• Securing a Profile. To create a profile on our Site and to use the Services, you first must provide us with your firm’s name, an email address, and a mobile telephone number. To secure your profile, we will send a verification email to the email address you provide. we will send you a verification code to the mobile telephone number to enable multi-factor authentication. You will be asked to provide a password for logging-in to your account on our Site, but we do not have access to this password.
• Creating an Account. To create a deposit or credit account with a depository financial institution using our Site and the Services provided thereon, you must provide your firm’s complete legal name, the state of organization, the type of organization, the employer or taxpayer identification number, and email and physical addresses. You must also provide the following information concerning any beneficial owners of your firm: (a) first and last names, (b) taxpayer identification numbers (or passport information for non U.S. citizens), (c) dates of birth, and (d) physical and email addresses.
• Verifying Your Identity. To verify your identity, we will request to access your camera and you will provide a photograph of your driver’s license.

Receiving Services. To start receiving services, you must link your deposit account to Plaid. To link your account, you will provide us with your bank account information, including the financial institution name, account name, account type, account ownership, account number, and routing number, and you may also be asked to provide your credit card information. Plaid’s privacy policy is available here.
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Information as You Navigate Our Site and Services. We automatically collect the following information when you use the Site:

• Usage Information. We collect information such as which of the pages on the Site and App you access, the frequency of access, and what you click on.
• Device Information. We collect information about the device you are using, such as hardware model, operating system, application version number, and browser.
• Mobile Device Information. In addition to the Device Information listed above, when you access our Site or App via a browser on your mobile device, we collect and aggregate information about whether you are accessing the Site or App via a mobile device or tablet, device type, and carrier.
• Location Information. We collect location information from Site visitors on a city-regional basis.

Third Party Information. In some cases, we may receive certain information about you from a third party.

How We Share Your Personally Identifiable Information. We may share the information that we collect about you in the following ways:

• With service providers who perform data or Site-related services on our behalf (e.g., email, hosting, maintenance, backup, analysis, etc.). These service providers are obligated to maintain the confidentiality of your information;
• Identifiable Information;
• With Plaid and our bank partners for purposes of opening an account and processing your transactions;
• To service providers to prepare, deploy and analyze advertising content;
• To the extent that we are required to do so by law, for any legal proceedings or prospective legal proceedings and to establish, exercise, or defend our legal rights, including providing information to others for the purposes of fraud prevention;
• To any person who we believe may apply to a court or other competent authority for disclosure of that information where, in our reasonable opinion, such court or authority would be likely to order disclosure of that information;
• To any other person or entity as part of any business or asset sale; and
• To any other person or entity where you consent to the disclosure.

How We Use Your Information. We use the Personally Identifiable Information we collect to provide the Services to you, to improve our Services and Site and to protect our legal rights. In addition, we may use the Personally Identifiable Information we collect to:

• Process your account registration;
• Contact you regarding our products and services that we feel may be of interest to you;
• Communicate with you about our Site or Services or to inform you of any changes to our Site or Services;
• Provide support;
• Maintain and improve our Site and Services;
• Defend our legal rights and the rights of others;
• Comply with applicable law.

2. Cookies and Other Tracking Technologies

How We Use Cookies on the Site. Like many other companies, we use cookies and other tracking technologies (such as pixels and web beacons) (collectively, “Cookies”). “Cookies” are small files of information that are stored by your web browser software on your computer hard drive, mobile or other devices (e.g., smartphones or tablets).

We use Cookies to:

• Estimate audience size and usage patterns;
• Understand and save your preferences for future visits, allowing us to customize the Site and Services to your individual needs;
• Advertise new content and services that relate to your interests;
• Keep track of advertisements and search engine results;
• Compile aggregate data about site traffic and site interactions to resolve issues and offer better site experiences and tools in the future; and
• Recognize when you return to the Site.

We set some Cookies ourselves and others are set by other entities. We use Cookies set by other entities to provide us with useful information to help us improve our Site and Services, to conduct advertising, and to analyze the effectiveness of advertising. For example, we use Cookies from Google and other similar companies.

Platform Controls. You can opt out of Cookies set by specific entities by following the instructions found at these links: Google: https://myadcenter.google.com/home‍

‍Advertising Industry Resources. You can understand which entities have currently enabled Cookies for your browser or mobile device and how to opt-out of some of those Cookies by accessing the Network Advertising Initiative’s website or the Digital Advertising Alliance’s website. For more information on mobile specific opt-out choices, visit the Network Advertising Initiative’s Mobile Choices website.

These opt-out mechanisms are specific to the device or browser on which they are exercised. Therefore, you will need to opt out on every browser and device that you use.

Google Analytics. We use Google Analytics, a web analytics service provided by Google, Inc. Google Analytics uses Cookies or other tracking technologies to help us analyze how users interact with the Site, App, and Services, compile reports on their activity, and provide other services related to their activity and usage. The technologies used by Google may collect information such as your IP address, time of visit, whether you are a returning visitor, and any referring website. The technologies used by Google Analytics do not gather information that personally identifies you. The information generated by Google Analytics will be transmitted to and stored by Google and will be subject to Google’s privacy policies. To learn more about Google’s partner services and to learn how to opt-out of tracking of analytics by Google, click here.

How You Can Opt-Out of Cookies on the Site? Browser settings. Cookies can be blocked by changing your Internet browser settings to refuse all or some Cookies. If you choose to block all Cookies (including essential Cookies) you may not be able to access all or parts of the Site.You can find out more about Cookies and how to manage them by visiting www.AboutCookies.org or www.allaboutcookies.org.

3. Third Party Processors

To ensure that your information receives an adequate level of protection, we have appropriate contracts and procedures with the service providers with whom we share your information to treat it consistent with applicable data security and privacy laws.

4. “Do Not Track” Signals

Some internet browsers incorporate a “Do Not Track” feature that signals to websites you visit that you do not want to have your online activity tracked. Because there is no uniform way that browsers communicate the “Do Not Track” signal, the Site does not currently interpret, respond to or alter its practices when it receives “Do Not Track” signals.

5. Choices About Your Personally Identifiable Information

Review and Request Changes to Your Personally Identifiable Information. To review or request changes to any of your Personally Identifiable Information, please contact us at support@crescent.app.

‍Marketing Communications. To unsubscribe from our marketing emails, please click the unsubscribe link included in the footer of our emails. You also may submit a request to us at support@crescent.app.

6. Security

We maintain commercially reasonable security measures to protect the information we collect and store concerning you from loss, misuse, destruction, or unauthorized access. However, no security measure or modality of data transmission over the Internet is 100% secure. Although we strive to use commercially acceptable means to protect your information, we cannot guarantee absolute security.

7. Third Party Links

The Site may contain links that will let you leave the Site and access another website. Linked websites are not under our control. This Privacy Policy applies solely to information that is acquired by us on this Site. We are not responsible or liable for other websites.

8. Children’s Privacy

The Site and Services are not intended for children under 13 years of age. We do not knowingly collect, use, or disclose personal information from children under 13.

9. How to Contact Us

To contact us for questions or concerns about our privacy policies or practices please contact us at support@crescent.app.