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Fintech Union Privacy Policy

Last updated August 29, 2018

 

What we do with your personal information.

 

Financial companies from time to time need to share your personal information regardless of whether you send money, receive money, visit one of our sites, or we collect information about you. Federal and sometimes State/Provincial laws give you the consumer the right to restrict some but not all information sharing. Federal law requires us to tell you, the consumer, how, why and what personal information we collect and how we protect that information.

 

Fintech Union maintains strict privacy policies in an effort to safeguard personally identifiable information (“PII”) and communications from unauthorized intrusions. The personal information we collect can depend on the which of our services you are using. This information may include without restriction:

  • Government issued identification numbers such as; IFIC, driver’s license, state/provincial identification, passport, visa, landed immigrant id, green card, Social Security/Social Insurance or other tax identification number
  • name, address, email address, mobile and home telephone number, age, date of birth, gender, citizenship, occupation and marital status
  • occupation; source of income, source of funds
  • if you are a politically exposed person
  • the reason for your transaction
  • account balances and transaction history and loyalty program information
  • credit, debit, bank account and payment history information
  • computer and mobile device information, such as the domain and host you use to access the Internet; your computer’s IP address; mobile device geolocation, number and other information from and about your device (such as device properties, settings, applications, stored information and usage) and carrier; the browser and operating system software you use; websites you have visited or later visit, social profile and network information; the date and time you access our website, the internet address used to link to our website when you visit us and cookie information

You consent to our collection, transfer and storage of information by computers or other transfer or storage devices in the United States and elsewhere

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

We need this information to carry out our daily business, such as to process your transactions; manage our customer relationships; provide requested products and services; maintain your account(s); respond to court orders and legal investigations; report to credit bureaus; gather information about website access, usage and performance; enhance your consumer experience; validate your creditworthiness or your identity; reduce the risk of fraud; in connection with a merger, acquisition or sale of the company or any of its assets; make risk decisions; detect and prevent fraud and other illegal activity; or as otherwise permitted or required by law

Does Fintech Union Share: Yes.  Can you limit this share: No.

Our marketing department needs this information to offer our services to you and/or notify you the customer about future events and promotions. Also we may need this to do joint marketing with other financial companies.

Does Fintech Union Share: Yes.  Can you limit this share: No.

Our affiliates will also need this information to do their business. They need this for such things as checking credit worthiness and measuring user experience.

Does Fintech Union Share: Yes.  Can you limit this share: No.

Our affiliates’ normal business requirements such as information about your creditworthiness.

Does Fintech Union Share: Yes.  Can you limit this share: Yes

Our affiliates’ and non-affiliates ability to market to you.

Does Fintech Union Share: Yes.  Can you limit this share: Yes

What do I do if I want to limit the sharing of my information?

 

Your right to opt-out of “can you limit this share: Yes” with affiliates and non-affiliates third parties as described above, you may opt-out of those disclosures by any of the following methods:

Toll Free: 1(877) 793-7171

Email: info@fintechunion.co
Mail to:
Fintech Union

Attention: Compliance Officer

5733 Rickenbacker Rd,

Commerce, CA 90040, USA


Please note: If you are a new consumer or customer, we can begin sharing your information immediately from the date you registered. When you are no longer our customer, we continue to share your information as described in this notice. However, you can contact us at any time to limit our sharing.

Note: Information not subject to an opt-out choice include: disclosures necessary to effect, administer or enforce a transaction you request; disclosures to our authorized service providers (including Fintech Union agents); disclosures permitted or required by law or disclosures to prevent fraud or other illegal activities.

 

How do we protect your information?

To help protect your personal information from unauthorized access and use, we enforce security measures. Some of these measures can include physical, electronic and procedural safeguards such as computer safeguards and secured files and buildings. We also limit access to personal information to only employees, agents and processors that need to know. Even though we try to always protect you the customer, third parties may unlawfully intercept or access your personal information, transmissions to us, or may wrongly instruct you to disclose information to them by posing as Fintech Union or by feeding you false information. Always think carefully and use caution when sending money and when using internet and mobile technologies. Despite our high standards, no claim is made as to the impenetrability of the system.

 

How do we collect personal information?

We collect your personal information, for example, when you:

  • send or receive money, complete a payment or use or request other products or services from us or other financial companies
  • submit information to us, our Agents or other third parties on applications, forms, and by other means
  • use or visit our or other online sites (for example, to complete a transaction, manage your accounts, or provide your choices)
  • enter a promotion, register for email alerts or marketing communications, or join a loyalty program

We also collect information about you from a variety of sources, including, social media, cookies (see our cookie policy for more information) and mobile devices; third party sources such as our business clients, government agencies, advertising agencies and networks; and consumer reporting agencies. We may collect, track and combine information across various devices, operating systems and transaction media.

Why am I limited to what I can opt-out of?

Federal law gives you the right to limit only

  • sharing with affiliates’ information about your creditworthiness
  • affiliates and non-affiliates from using your information to market to you

State laws and individual companies may give you additional rights to limit sharing. See below for information regarding state laws.

 

STATE PRIVACY LAWS

We will comply with state privacy laws as they apply to our services.

California residents: In accordance with California law, we will not share information we collect about you with companies outside of Fintech Union except as required or permitted by law. For example, we may share information to service your accounts, complete requested transactions, or to provide rewards or benefits to which you are entitled.

Nevada residents: This notice is provided to you pursuant to state law. Nevada state privacy laws permit us to make marketing calls to existing customers, but if you prefer not to receive marketing calls, you may be placed on our internal opt-out list by calling us at 1(877) 793-7171or if you are not satisfied with the results after contacting Fintech Union  you may also contact the Nevada Bureau of Consumer Protection, Office of the Nevada Attorney General, 555 E. Washington St., Ste 3900, Las Vegas, NV 89101; telephone 702-486-3132; email: BCPINFO@ag.state.nv.us.

Texas residents: If you have a complaint, first contact Fintech Union ., at 1(877) 793-7171 . If you still have an unresolved complaint regarding the company’s money transmission or currency exchange activity, please direct your complaint to the Texas Department of Banking: 2601 North Lamar Boulevard, Austin, TX 78705-4294; 1-877-276-5554 (toll free); www.dob.texas.gov.

Vermont residents: In accordance with Vermont law, we will not share information we collect about you with companies outside of Fintech Union except as required or permitted by law. For example, we may share information to service your accounts, complete requested transactions, or to provide rewards or benefits to which you are entitled.

Our website is not directed at children. Persons under the age of 18 may not do any transactions on any of our sites. Fintech Union  does not knowingly collect or maintain information from persons under the age of 18.

Our website may be linked to or from third party websites. Fintech Union  is not responsible for the content or privacy practices of websites that are linked to or from our website. Although we strive to only link to websites that share Fintech Union’s high standards and respect for privacy, we are not responsible for the content or practices employed by other websites or parties.

Third party applications (such as widgets) created by third party developers may also be

available on the Fintech Union Website. Third party applications are small bits of software,

often with interactivity, that can be installed into profiles or shared with other Users. First

Global does not control third party developers and cannot dictate their actions. When you interact with a third-party application, you are interacting with the third-party developer, not with Fintech Union. We strongly encourage you to not provide personal information to any third party unless you know the third party with whom you are interacting.

 

  • If you go to another web site, including an advertiser’s web site (for example by clicking on an

advertisement), or request information or enter a contest, be aware that you may be authorizing

another company, including an advertising company, to use information you supply. An

advertiser’s collection and use of information is subject to its own privacy policies, not this

one.

  • When you leave a Fintech Union website via a link, access a third-party application (such as a

widget) or click on an advertisement, you should check the applicable privacy policy of the third party or advertiser to determine, among other things, how they will handle any PII they collect from you. Some of our web pages may contain “cookies,” or data which are sent to your web browser and stored on your computer. For information about Fintech Union’s use of cookies, please visit our Cookie Policy.

We may use one or more third-party advertising service providers to display our advertising on third-party sites to promote our products, services or promotions. Those providers may use and store information such as web pages visited, search keywords entered and web history.

Fintech Union does not respond to web browser “do not track” signals.

Fintech Union reserves the right to modify this Privacy Statement. To the extent required by applicable law, we will notify you and give you the opportunity to opt out of any material change in the way we use or disclose personal information you previously have provided. You can get an updated Privacy Statement by calling us at or 1(877) 793-7171 or by visiting our website.

We, our service providers and other third parties may use technologies such as cookies, pixels and web beacons to collect information such as browser type, operating system, network information, time spent on the website or app, pages visited, language preferences, and your relationship with us.

 

We use this information for a variety of purposes, including but not limited to, those identified below:

  • To assist us in providing products and services to you;
  • To track activity on our website or app and third-party websites and apps;
  • To determine whether you came to our website or app from a banner ad or a third-party website or app;
  • To deliver information specific to your interests via email, through our website or app, and on third party websites and apps;
  • To identify you when you visit the website or app, to store your preferences, to personalize the content of the website or app for you, to allow you to change web or app pages during your visit without having to re-enter your password and to allow you to access account information; and
  • To better understand the effectiveness of our promotional campaigns.

We also have relationships with advertising companies, who may use cookies, pixels, web beacons, app or device information or related information to display advertising tailored to your interests or location. To learn more about this type of advertising, visit the Network Advertising Initiative at www.networkadvertising.org/choices. To opt-out of tailored advertising delivered by other advertising companies, you should choose the appropriate settings in your browser(s) (e.g., block cookies), device (e.g., turn “Location” off) and app(s). Please note that if you do not accept cookies or change your device or app settings, you may experience some inconvenience in your use of our website or app and some online or mobile products and services.

 

This section explains how and why Fintech Union  uses cookies.

 

WHAT ARE COOKIES?

Some of our web pages may contain “Cookies”, which are text data files or other data objects (such as “Flash Cookies” or “pixel tags”) sent to your web browser and stored on your computer. Cookies allow our servers to anonymously compile usage information (including IP Addresses) to generate statistical information about the general operation and use of our websites. Cookies may also be used to recognize you as a returning website visitor or Fintech Union consumer, and allow us to provide information that may benefit you or best match your defined preferences. We also use Cookies to identify you as a valid user who has logged into our website, so that you will not be forced to re-enter your password multiple times while using our websites. The term cookies include similar technologies for collecting and storing information, such as Local Shared Objects (commonly referred to as “flash cookies”) and web beacons or web bugs (including transparent or clear gifs).

 

Cookies and Usage Data

Certain cookies are essential in order to enable you to navigate around the website and easily use its features, such as accessing secure areas of the website. Without these cookies, services you have asked for cannot be provided. Because these cookies are strictly necessary we do not need to ask for your consent to use them.

  • When you access the Internet, the computers that host websites you visit (“web servers”)

automatically receive some anonymous information. This “usage data” may include a record

of which pages a web browser has visited. The Fintech Union Website’s servers receive usage

data when users visit the Website and possibly when users visit other sites as well. First

Global and its advertisers may use various kinds of software devices to collect information about Internet use.

  • Fintech Union may use cookies and other tools to customize the content and advertising you receive based on the information you provide to Fintech Union. The information used for this feature does not provide your personal information or identify you as an individual to third parties, but will involve the processing of certain related data such as IP addresses.
  • Small files called “cookies” may be attached to your Web browser and your computer. You

may be able to configure your browser to accept or block all or some cookies, or notify you when a cookie is set. Each browser is different, so check the “Help” menu of your browser to learn how to change your cookie preferences. Note: Disabling cookies may mean that we won’t be able provide certain services, which may be of use to you.

  • Fintech Union may also use “web beacons” to access Fintech Union’s cookies inside and outside the Fintech Union Website and in connection with the Services.

These cookies collect information about how visitors use a website, for instance which pages visitors go to most often, and if they get error messages from web pages. Some of these are analytics cookies, set using third party web analytics software, which allow us to understand more about how our website is used. For example, like many companies we use Google Analytics to help us monitor our website traffic. These cookies don’t collect information that identifies a visitor. All information these cookies collect is aggregated and therefore anonymous and does not affect your privacy. It is only used to improve how a website works. We might also use these cookies to highlight Fintech Union ‘s products or services which we think will be of interest to you based on your use of our websites. By using Fintech Union ‘s products or services which we think will be of interest to you based on your use of our websites. By using Fintech Union ‘s website you agree we may place these types of cookies on your device.

Questions / Suggestions / Concerns

  • If you have questions, concerns or suggestions about Fintech Union, the Fintech Union Website or any Fintech Union services, please feel free to email us at info@fintechunion.co
  • If you have questions, concerns or suggestions about this Privacy Policy or its

implementation, please email us at info@fintechunion.co.

  • If you notice any unauthorized activity in your Member Account, please immediately call our

toll free number +1(877) 793-7171 or email us at info@fintechunion.co. We

will act to secure your Member Account

DO NOT BE MISLED BY EMAILS THAT APPEAR TO BE FROM US AND ASKING FOR YOUR

PERSONAL INFORMATION. IF YOU RECEIVE A SUSPICIOUS EMAIL REQUESTING

 

Facebook

Our site may contain Facebook widget(s) for marketing purposes. To view Facebook privacy policy, follow this link https://www.facebook.com/policy.php

Our website contains links to the external social network, Facebook. This external social network is exclusively operated by Facebook Inc., 1601 S. California Ave, Palo Alto, CA 94304 USA (Facebook). Links to Facebook are made clearly visible on our website through the use of the Facebook logo or through the add-on “like” button (Facebook plug-ins are not used).

Where these links are followed, Facebook plug-ins will be activated and your browser will establish a direct link with the Facebook servers.

If you follow the links on our website whilst you are signed into your Facebook user account, information concerning your visit to our website will be passed to Facebook. Facebook can assign your visit to our website to your user account.

This information will be transferred to and stored by Facebook. To prevent this, you must log out of your Facebook account before clicking on the link.

Functionalities attached to Facebook links, in particular the transfer of information and user data are not automatically activated by visiting our website, but are only activated upon clicking the relevant link.

Please refer to Facebook’s privacy policy (http://de-de.facebook.com/privacy/explanation.php) for more information on: the purpose and scope of data collection and data analysis undertaken by Facebook, your rights, how to modify settings and how to protect your privacy.

 

Google and YouTube

How Google uses data when you use our partners’ sites or apps

https://policies.google.com/technologies/partner-sites?hl=en

Fintech Union  uses tools like Google Analytics to measure traffic to our site and how users interact with our site. At various times, we may use other tools to measure the efficacy of our marketing campaigns. The Google Analytics terms specify that no personally identifiable information may be collected through the Google Analytics software.

Google uses the data collected to track and monitor the use of our website. This data is shared with other Google services. Google may use the collected data to contextualize and personalize the ads of its own advertising network.

You can opt-out of having your activity on the website made available to Google Analytics by installing the Google Analytics opt-out browser add-on (https://tools.google.com/dlpage/gaoptout) for your web browser. The Google Analytics opt-out browser add-on provides visitors with the ability to prevent their data from being collected and used by Google Analytics. The add-on prevents the Google Analytics JavaScript (ga.js, analytics.js, and dc.js) from sharing information with Google Analytics about visits activity. For more information on the privacy practices of Google, please visit the Google Privacy & Terms web page: http://www.google.com/intl/en/policies/privacy/

Besides Google Analytics, Fintech Union  may also use products (like AdSense), and social products (like the +1 button). Your web browser then automatically sends certain information to Google. This includes, for example, the web address of the page that you’re visiting and your IP address. Google may also set cookies on your browser or read cookies that are already there.

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LinkedIn

Our website also contains a link to LinkedIn. Their privacy policy can be found below:

https://www.linkedin.com/legal/privacy-policy