The Fintech Virtual Lunch (“The Fintech Virtual Lunch”) is committed to protecting your privacy and earning your trust. This Privacy Policy discloses our privacy practices for personal information we collect when you use or access our products, services, features, or content through any The Fintech Virtual Lunch website (including www.thefintechvirtuallunch.com and any other future websites, collectively the “The Fintech Virtual Lunch Sites”), any The Fintech Virtual Lunch application or service (“The Fintech Virtual Lunch Services”), or when you apply or express interest in employment with The Fintech Virtual Lunch (“The Fintech Virtual Lunch Employment”).

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We may, in our sole discretion, change this Privacy Policy from time to time by posting a revised version at www.thefintechvirtuallunch.com/privacy-policy  If we make any material change to this Privacy Policy, we will notify you by posting a notice on www.thefintechvirtuallunch.com/privacy-policy  prior to the change becoming effective and may also elect to send you an email notifying you of the policy modifications.

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What information does The Fintech Virtual Lunch collect?

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• Identifiers, such as a real name, postal address, phone number, email address, account name, or other similar identifiers.

• Internet activity, including IP address, type of device, operating system, browser, UR data, and similar data.

• Inferences about preferences from cookies and site usage, including those used to gauge interest in obtaining The Fintech Virtual Lunch Services.

• Financial information, such as your full bank account number if you choose to use it with the The Fintech Virtual Lunch Services.

• Detailed personal information, such as your date of birth or social security number, as may be required by law or rule.

• Other personal information provided by third party service providers such as credit bureaus and identity verification services.

• Information that you provide to The Fintech Virtual Lunch when interacting with our customer support team or other team members via phone, email, online form, or other correspondence.

• Personal information stored with third parties that you choose to provide to The Fintech Virtual Lunch, such as information you may have in a third party application that you may choose to utilize through an integration that The Fintech Virtual Lunch has developed with the third party application.  By linking your third party accounts, you authorize The Fintech Virtual Lunch to have access to this information and you agree that The Fintech Virtual Lunch may collect and use this information in accordance with this Privacy Policy.

• Email and/or phone number for your contacts that you enter into The Fintech Virtual Lunch payment flows. We use this information to notify your contacts that you have sent them a payment and/or payment request.

• If you use a device to access the The Fintech Virtual Lunch Sites or The Fintech Virtual Lunch Services, we may also collect your IP address, the type of device you use, your device identifier, your operating system version, the type of browser you use, your location, and the URL that you came from and the next URL that you visit.

• The Fintech Virtual Lunch uses analytics software to allow us to better understand the functionality of the The Fintech Virtual Lunch Sites. This software may record information such as how often you use the The Fintech Virtual Lunch Sites, the events that occur with such use, aggregated usage, and performance data.  We may combine this automatically collected log information with other information we collect about you in order to provide and improve the The Fintech Virtual Lunch Sites and the The Fintech Virtual Lunch Services.

• Detailed personal information, such as your date of birth or social security number, and protected legal characteristics, such as your membership in a protected class.  We may collect this information if you apply for or accept a job at The Fintech Virtual Lunch, to the extent required by law.

• Credit information and criminal record information from third party vendors performing pre-employment background checks as authorized by law.

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How does The Fintech Virtual Lunch use the personal information that it collects?

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Over the past twelve months, and on an ongoing basis, The Fintech Virtual Lunch collects your personal information to do the following:

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• Customize and improve your The Fintech Virtual Lunch experience with the The Fintech Virtual Lunch Sites and the The Fintech Virtual Lunch Services.

• Provide the The Fintech Virtual Lunch Services to you.

• Validate your account.

• Notify you about your account activity.

• Process transactions and collect fees.

• Provide customer support and resolve disputes.

• Verify your identity and account information.

• Identify, prevent, and report potentially prohibited, fraudulent, or illegal activities.

• Notify you about important changes to the The Fintech Virtual Lunch Services and/or The Fintech Virtual Lunch’s terms and conditions.

• Provide you with news, offers, and information about the The Fintech Virtual Lunch Services based on your communications preferences.

• Process your application for The Fintech Virtual Lunch employment, or the award of employment with The Fintech Virtual Lunch, in accordance with law.

• Any other purpose that we disclose to you in the course of providing the The Fintech Virtual Lunch Sites, The Fintech Virtual Lunch Services, or The Fintech Virtual Lunch Employment to you.

 

How does The Fintech Virtual Lunch share my personal information?

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Over the past twelve months, and on an ongoing basis, we may share your personal information as follows:

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• When you send or receive money using the The Fintech Virtual Lunch Services, we will provide the other party to the financial transaction appropriate details about the transaction.

• If your payment to another The Fintech Virtual Lunch user fails, we may provide that user with details of the unsuccessful payment.

• With third parties to provide, maintain, and improve the The Fintech Virtual Lunch Services, including fraud prevention, identity verification, analytics and marketing services, and financial institutions and other partners that are part of the payment process.  These companies are authorized to use your personal information only as necessary to provide these services to us.

• To the extent third party analytics software is used to improve the functionality of the The Fintech Virtual Lunch Sites, the providers of the software may receive information about your use and interaction with the software in order to assist The Fintech Virtual Lunch with providing and improving the The Fintech Virtual Lunch Sites and the The Fintech Virtual Lunch Services.

 

Other than as stated in this Privacy Policy, The Fintech Virtual Lunch does not disclose or sell any of your personal information to third parties without your consent. Please note that third parties, such as merchants that you pay and third party websites that you visit, have their own privacy policies. The Fintech Virtual Lunch is not responsible for the policies and practices of such third parties and we encourage you to review their privacy policies.

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What are other circumstances when The Fintech Virtual Lunch may disclose my personal information?

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• The Fintech Virtual Lunch may release information to third parties upon your request. For example, you may authorize a The Fintech Virtual Lunch integrating partner to access your personal and business information.

• The Fintech Virtual Lunch may release your information if we believe disclosure is reasonably necessary to comply with any applicable law, legal process, or government request; to investigate or bring legal action against someone who may be violating our rights, our terms and conditions, or the rights of others; or to protect the safety and security of The Fintech Virtual Lunch, our users, or the public.

• The Fintech Virtual Lunch may also share aggregated, non-personally identifiable information with third parties for auditing, analytics, maintenance, security, or other related business purposes as determined appropriate by The Fintech Virtual Lunch.

• The Fintech Virtual Lunch may also release your information to a third party if we are involved in a merger, acquisition, or sale of all or a portion of our stock or assets. If this occurs, you will be notified of any change to this Privacy Policy, as well as any choices you may have regarding your personal information.

 

Your access and use of the The Fintech Virtual Lunch Sites, and submission of this data to us, constitutes your acceptance of this Privacy Policy and consent to the uses set forth in this Privacy Policy.

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Does The Fintech Virtual Lunch sell my personal information?

No. The Fintech Virtual Lunch does not sell your personal information.

Will The Fintech Virtual Lunch refuse service, charge me a different rate, or provide different quality service if I decline to provide certain data?

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In order to use The Fintech Virtual Lunch Services to transfer funds through the U.S. monetary system, a user must comply with applicable federal laws and rules.  These applicable laws and rules may require the disclosure and retention of information regarding the identity of senders and recipients of funds.

The Fintech Virtual Lunch will not discriminate against you for exercising any rights you may have under the California Consumer Privacy Act (“CCPA”) or any other applicable law or rule.  The Fintech Virtual Lunch does not base its prices or the quality of its services on the exercise or non-exercise of legal privacy rights.

 

How does The Fintech Virtual Lunch use cookies and web beacons?

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As reflected above, The Fintech Virtual Lunch and its marketing, analytics and fraud prevention service providers use technologies such as cookies, beacons, tags, and scripts, to analyze trends, administer the website, track users’ movements around the website, and to gather demographic information about The Fintech Virtual Lunch’s user base, and we may receive such information on an individual and aggregated basis from such providers.

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We use cookies to provide you with a personalized experience by recognizing you when you return to the The Fintech Virtual Lunch Sites; better understand our users by tracking how they use the The Fintech Virtual Lunch Services; improve the design and content of the The Fintech Virtual Lunch Sites by tracking how users interact with the The Fintech Virtual Lunch Sites; and identify and prevent fraudulent activity. You can change your browser settings to refuse cookies.

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We may gather certain information about our website visitors automatically and store it in log files. This information may include Internet protocol (IP) addresses, browser type, internet service provider (ISP), referring/exit pages, operating system, date/time stamp, and/or clickstream data. We may combine this automatically collected log information with other information we collect about you to provide and improve the The Fintech Virtual Lunch Services.

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We may partner with a third party to manage our advertising on other sites. Our third party partner may use technologies such as cookies to gather information about your activities on this website and other sites in order to provide you advertising based upon your browsing activities and interests. If you do not want this information to be used for the purpose of serving you interest-based ads, you may opt-out by contacting www.thefintechvirtuallunch.com. This does not opt you out of being served ads and you will continue to receive generic ads.

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We use Local Shared Objects, such as HTML5, to store content information and preferences. Third parties with whom we partner to provide certain features on our website also use Flash cookies and HTML5 to collect and store information. Various browsers may offer their own management tools for removing HTML5. 

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The The Fintech Virtual Lunch Sites may include social media features that allow you to “Like” or share content on third party sites. These features may be hosted by the third-party sites or the The Fintech Virtual Lunch Sites, and may collect your IP address, the The Fintech Virtual Lunch Site page you are visiting, and may set a cookie to enable the feature to function. This Privacy Policy does not apply to third party cookies, web beacons, social media features and widgets (such as the Facebook Like button), or other tracking technologies used by third parties. The Fintech Virtual Lunch is not responsible for the privacy policies and practices of such third parties.

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How do I opt-out of receiving promotional emails from The Fintech Virtual Lunch?

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If you prefer not to receive promotional emails from The Fintech Virtual Lunch, click on the unsubscribe link at the bottom of any promotional email that we send you to remove your email address from future promotional email campaigns. If you have difficulty with the unsubscribe process, contact us at www.thefintechvirtuallunch.com.

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What security precautions does The Fintech Virtual Lunch take to protect me?

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We have security measures in place to protect your personal information, including the use of industry-standard data encryption technology and internal policies and restrictions regarding the storage of and access to your personal information. Please note that no data transmission over the Internet or method of electronic storage can be guaranteed to be 100% secure. The Fintech Virtual Lunch’s servers and business operations are entirely located in the United States. If you have any questions about the security of your personal information, you can contact us at www.thefintechvirtuallunch.com.

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How do I update my information?

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If your information changes, you can correct it in your account settings by contacting your organization’s Account Manager at www.thefintechvirtuallunch.com

If you wish to close your account or request that we no longer use your information to provide you the The Fintech Virtual Lunch Services, contact us at www.thefintechvirtuallunch.com and we will respond to you in a reasonable timeframe.  We will retain your information for as long as your account is active or as needed to provide you the The Fintech Virtual Lunch Services, or to the extent required by applicable law or rule.

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What about the privacy of children?

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The Fintech Virtual Lunch is a general audience website. The Fintech Virtual Lunch does not knowingly collect any personal information from anyone under the age of 13.

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Rights for California Residents

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If you are a California resident, you have the right to request disclose of the specific pieces of personal information that The Fintech Virtual Lunch may have collected regarding you.  California residents also have the right to request deletion of personal information that The Fintech Virtual Lunch may have collected regarding you.

In order to request a copy of personal information or to request deletion of personal information, California residents can forward verifiable consumer requests to The Fintech Virtual Lunch through one of the following methods:

• Contacting us at www.thefintechvirtuallunch.com

 

Only you, or someone registered with the California Secretary of State in order to act upon your behalf, may make a verifiable consumer request.  You may also make a verifiable consumer request on behalf of your minor child. You may only make a verifiable consumer request for data access, transport, or deletion twice within a twelve-month period.

In order to submit a verifiable consumer request to The Fintech Virtual Lunch, the request must both provide sufficient detail for The Fintech Virtual Lunch to be able to appropriately ascertain your identity and give sufficient clarity for The Fintech Virtual Lunch to understand the nature of the request.  The Fintech Virtual Lunch will determine the criteria for a verifiable consumer request based upon the nature of the request and account.

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If you have submitted a verifiable consumer request to The Fintech Virtual Lunch, The Fintech Virtual Lunch will respond in a timely manner consistent with applicable law.  If The Fintech Virtual Lunch is unable to verify your request, or if The Fintech Virtual Lunch is unable to ascertain that you are a California resident subject to the rights in this Section, The Fintech Virtual Lunch will submit an appropriate response