Privacy Policy

Why?

Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do. This privacy policy applies to OurFiin LLC (collectively “OurFiin”).

What?

The types of personal information we collect and share depend on the product or service you have with us. This information can include:

• Registration and account information (e.g. name, address, DOB, phone number, ID, social security number)

• Device and connection information (e.g. hardware model, operating system, app version, browser information, mobile network, device ID, IP address, internet service provider)

• Activity and usage information (e.g. how you use the app, app settings, usage frequency, services utilized)

• Location information

• Customer support and social media (e.g. your correspondence with us through these channels)

How?

All financial companies need to share customers’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers’ personal information; the reasons OurFiin chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information

For our everyday business purposes— such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus

Does OurFiin share? Yes Can you limit this sharing? No

For our marketing purposes— to offer our products and services to you

Does OurFiin share? Yes Can you limit this sharing? No

For joint marketing with other financial companies

Does OurFiin share? Yes Can you limit this sharing? No

For our affiliates’ everyday business purposes—information about your transactions and experiences

Does OurFiin share? Yes Can you limit this sharing? No

For our affiliates’ everyday business purposes— information about your creditworthiness

Does OurFiin share? No Can you limit this sharing? We don’t share this information.

For our affiliates to market to you

Does OurFiin share? Yes Can you limit this sharing? We don’t share this information.

For nonaffiliates to market to you

Does OurFiin share? Yes Can you limit this sharing? We don’t share this information.

Who we are

Who is providing this notice? OurFiin LLC (collectively “OurFiin”)

What we do

How does OurFiin protect my personal information? To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings.

How does OurFiin collect my personal information? We collect your personal information, for example, when you:

• open an account or deposit money

• use your OurFiin Mastercard debit card

• use the OurFiin app

We also collect your personal information from others, such as credit bureaus, data providers, affiliates, identity verification service providers or other companies.

Why can’t I limit all sharing? Federal law gives you the right to limit only

• sharing for affiliates’ everyday business purposes—information about your creditworthiness

• affiliates from using your information to market to you

• sharing for nonaffiliates to market to you

State laws and individual companies may give you additional rights to limit sharing. See below for more on your rights under state law.

Definitions

Affiliates Companies related by common ownership or control. They can be financial and nonfinancial companies.

• Our affiliates include companies such as OurBanc.

Nonaffiliates Companies not related by common ownership or control. They can be financial and nonfinancial companies.

• Nonaffiliates we share with can include service providers who help to service your account.

Joint marketing A formal agreement between nonaffiliated financial companies that together market financial products or services to you.

• Joint marketing partners include financial companies and banks.

Other important information

California Residents: We will not share information we collect about you with nonaffiliated companies. We may share your information as required or permitted by law.

Nevada Residents: Nevada State law requires that we provide residents with the following contact information: Bureau of Consumer Protection, Office of the Nevada Attorney General, 555 E. Washington Street, Suite 3900, Las Vegas, NV 89101; Phone: 702.486.3132; Email: BCPINFO@ag.state.nv.us.

Vermont Residents: If your account has a Vermont mailing address, we will not share personal information we collect about you with non-affiliates unless the law allows or you provide authorization.

We may transfer personal information to other countries, for example, for customer service or to process transactions