Legal

Privacy Policy

Last updated: December 21, 2025

Data minimization & what we collect

Essential account data you provide (name, email, phone) for onboarding and verification.
Wallet, funding, payment, loyalty, and settlement events necessary to operate the service.
Security and fraud signals (device, IP, usage patterns) to protect accounts.
Bank account ownership and verification data processed via Plaid; ACH/payment metadata processed via Straddle.

We do not retain raw bank credentials. Plaid uses tokens to authorize access.
We do not keep full payment instrument details beyond what is required for ACH/settlement records.
We minimize personally identifiable data and keep only what is needed for compliance, fraud prevention, and required records.

Operate buyer wallets, merchant settlements, loyalty, and notifications.
Verify identity and account ownership (via Plaid and Straddle) and mitigate fraud/abuse.
Provide support, service communications, and reliability/analytics to improve performance.

Plaid for bank account linking and verification; we receive tokens and limited account metadata.
Straddle for ACH orchestration, payouts, KYC/KYB, and risk checks related to payments and settlements.
SMS/email providers for transactional messages; infrastructure and analytics providers for security and uptime.
We do not sell personal data.

Role-based access; encryption in transit and at rest; least-privilege operational access.
Retention is limited to what is required for regulatory, fraud, tax, and accounting obligations; data is deleted or anonymized thereafter.
Incident response and audit logging are in place to monitor access and changes.

You may request access, correction, or deletion of your data where permitted by law and consistent with retention obligations.
You can update notification preferences in-app; you can request account deactivation via support.
For bank accounts, you may revoke Plaid-linked access via your financial institution or within the app.

Data may be processed in the U.S. by our infrastructure providers and processors.
We comply with applicable laws and will cooperate with lawful requests consistent with our policies.

We may update this Privacy Policy as services or regulations change.
Material updates will be communicated in-app or by email; continued use after notice means you accept the changes.

Data minimization & what we collect

Essential account data you provide (name, email, phone) for onboarding and verification.

Wallet, funding, payment, loyalty, and settlement events necessary to operate the service.

Security and fraud signals (device, IP, usage patterns) to protect accounts.

Bank account ownership and verification data processed via Plaid; ACH/payment metadata processed via Straddle.

What we do NOT retain

We do not retain raw bank credentials. Plaid uses tokens to authorize access.

We do not keep full payment instrument details beyond what is required for ACH/settlement records.

We minimize personally identifiable data and keep only what is needed for compliance, fraud prevention, and required records.

Sharing and processors

Plaid for bank account linking and verification; we receive tokens and limited account metadata.

Straddle for ACH orchestration, payouts, KYC/KYB, and risk checks related to payments and settlements.

SMS/email providers for transactional messages; infrastructure and analytics providers for security and uptime.

We do not sell personal data.

Security & retention

Role-based access; encryption in transit and at rest; least-privilege operational access.

Retention is limited to what is required for regulatory, fraud, tax, and accounting obligations; data is deleted or anonymized thereafter.

Incident response and audit logging are in place to monitor access and changes.

Your choices & rights

You may request access, correction, or deletion of your data where permitted by law and consistent with retention obligations.

You can update notification preferences in-app; you can request account deactivation via support.

For bank accounts, you may revoke Plaid-linked access via your financial institution or within the app.