Effective Date: February 14, 2024
POSITIVE FINANCE provides several cash management and banking Services provided by third-party partners (“Third-Party Providers”), including banks (“Bank”) and certain financial institutions (“Financial Institution”).
This Policy includes, among other things, your authorization for use of your information to make debits and credits from and to the account that you hold at Financial Institution (”Financial Institution Account”) and the Bank, via the Automated Clearing House (“ACH”) network or other means.
POSITIVE FINANCE performs the following actions related to your data:
POSITIVE FINANCE do not share your personally identifiable information with advertisers. Please read our entire Policy for complete detail about our privacy practices.
POSITIVE FINANCE collect different types of information for various purposes to provide and improve our Services to you:
We and our Third-Party Providers collect any information that you voluntarily provide to us, including when you create an account on the Website, the Application or when you use the Services. We may also collect information that you provide to us by email, telephone, or other means. Personally identifiable information may include, but is not limited to your:
In order to make use of the full functionality of the Services, you must also provide information about the Financial Institution Account that you maintain with each of your third-party Financial Institution. POSITIVE FINANCE and our Third-Party Providers collect the following information in order to get access to your Financial Institution Account:
Also, we may collect details of your use and access to our Services, including transaction details relating to your use of our Services, which may include, but is not limited to:
We and our Third-Party Providers may automatically collect certain technical information from your computer or mobile device when you use the Website, the Application or the Services, such as:
This information allows us to recognize you and personalize your experience if you return to the Website, the Application using the same computer or mobile device, and to improve the Services we provide.
POSITIVE FINANCE may collect information about you from third-party Users or persons, or Third-Party Providers (including Banks and Financial Institutions). For instance, should a friend, colleague, financial advisor or other third-party refer you to POSITIVE FINANCE, we may keep a record of the identity of that referring party as part of your account profile. Similarly, when you refer others to join POSITIVE FINANCE, we will record your name for the purpose of tracking the status of your referrals.
We may work closely with third parties (including, for example, business partners, sub-contractors in technical, payment and delivery services, advertising networks, analytics providers, search information providers, credit reference agencies, fraud prevention agencies, customer service providers, developers, social media organizations such as Facebook, Google, Snapchat, and/or Twitter).
If you allow us to, we will collect friends lists from these social media companies and similar information, the Application will periodically re-collect this information in order to stay up-to-date.
POSITIVE FINANCE may also receive information about you from third parties we use to verify your identity or your credit reference. Any such search under this section may leave a footprint on your credit file. By agreeing to the terms of this Policy, you agree that we may carry out such credit search in the knowledge that it may leave a footprint on your credit history. If you would like details of the credit reference and fraud prevention agencies from which we have obtained or may obtain information about you, please contact our customer service at email@example.com.
POSITIVE FINANCE may use the following technologies to automatically collect your data:
If you would prefer not to accept cookies, most browsers will allow you to:
Please note that doing so may negatively impact your experience using the Services, as some features and services on our Services may not work properly. Depending on your mobile device and operating system, you may not be able to delete or block all cookies. You may also set your email options to prevent the automatic downloading of images that may contain technologies that would allow us to know whether you have read our email and performed certain functions with it.
POSITIVE FINANCE collects the data for various purposes, such as but not limited to:
POSITIVE FINANCE may use non-personally identifiable information regarding current and potential Users, including but not limited to demographic, geographic, any other information we collect pursuant to this Policy or otherwise, or aggregated User Information for any legitimate business purposes.
POSITIVE FINANCE is not responsible for any User Information shared in public forums such as blogs, chats, videos, or social media. We retain full, irrevocable, royalty-free, worldwide sublicensable, and perpetual intellectual property rights to any user-generated content uploaded, shared, transmitted, or otherwise publicly disseminated on the Website, Application or through the Services. We may store, use, reproduce, modify, and adapt such content and will retain full rights to any derivative works or compilations of such content. You warrant by your actions that you have the necessary rights to grant such licenses to POSITIVE FINANCE. We can further delete such content at any time and for any reason.
We have no obligation to monitor or ability to control the information you publicly place on the Services. We do not endorse any opinion, recommendation, and information that is expressed in this fashion. By accessing the Services, you waive any rights or remedies against POSITIVE FINANCE in relation to such data.
POSITIVE FINANCE may disclose the information we collect from you through the Services to the Nonprofit organizations you interact with in the Nonprofit marketplace. This information is needed for the purposes of processing your donation, sending a donation receipt and offering support related to your donation. The Nonprofits may also reach out directly to you for various other purposes, including additional fundraising efforts campaigns.
POSITIVE FINANCE may also disclose the information to the following parties:
We may also disclose your information when we believe in good faith that disclosure is necessary to:
In addition, we may share aggregate reports on Users’ demographics and traffic patterns, financial habits or information, giving habits or information, or other information that does not personally identify you, with any other third party. This can include aggregate, non-personally identifiable information that is derived from Financial Institution and Bank Account Information (such as the average or total balances of our Users’ Bank Accounts). We may also use such aggregate information to enhance our Services and develop new service offerings.
However, we do not sell or otherwise share your personally identifiable information with other companies so that they can market to you.
To provide the Services to you, POSITIVE FINANCE may from time to time use third-party data services to gather your Financial Account Information from a Financial Institution. These Third-Party Providers are bound by privacy obligations that prohibit them from disclosing your personally identifiable information and allow them to use only anonymized user data. By using the Website, the Application and the Services, you grant our Third-Party Providers the right, power, and authority to act on your behalf to access and transmit your personal and financial information from the relevant Financial Institution.
Please note that you may encounter links to third-party websites within the Services, which may include information that we have no control over. Whether you access third-party websites through a link on the Services, or as a consequence of using our Services, you acknowledge that you are aware that these third-party websites are not screened for privacy or security issues by us, and you release us from any liability for the conduct of these third-party websites.
Data collected through the Website, the Application and the Services is processed by POSITIVE FINANCE in and subject to the laws of the United States, which may not provide the same level protection for your information as your home country, and may be available to the United States government or its agencies under a lawful order made in the United States.
By using the Website, the Application and the Services, you consent to such transfer to, and processing in, the United States.
POSITIVE FINANCE is committed to protect your information from unauthorized access, use, or disclosure.
We maintain administrative, technical, and physical safeguards designed to protect the information collected through the Website, the Application and the Services. For example, we use the Secure Sockets Layer (SSL) encryption technology to protect the transfer of your information, we keep your information encrypted on our servers, and we do not permit our employees to access your Financial Account Information.
We also work with third-party security experts to assist us in maintaining and implementing sound data security practices.
However, no information or communication system can be fully secure, so we cannot guarantee the absolute security of your information. In addition, we are not responsible for the security of information that you transmit to the Website, the Application and the Services over networks that we do not control, including the Internet and wireless networks. POSITIVE FINANCE recommends you to only use networks you are familiar with, and that offer the adequate level of security when connecting to the Website, the Application to use our Services, which by nature are more sensitive.
POSITIVE FINANCE may send you emails regarding updates to the Website, the Application, the Services, notices about our company, information about new services we offer, or promotional offers from third parties that we think may be of interest to you. If you wish to unsubscribe from such communications, you can click on the "unsubscribe" link provided at the bottom of the email communications or through your mobile application.
Note that you cannot unsubscribe from certain Website and Application-related communications, such as User Account verification, Transaction’s confirmation, technical and legal notices.
If you encounter any difficulty to unsubscribe to our communications, you may contact our customer service via email at firstname.lastname@example.org.
If you have a User Account with us, you have the ability to modify certain data in your account such as, but not limited to, your contact information. If you have any questions about modifying or updating any information in your User Account, please contact our customer service via email at email@example.com.
California Consumer Privacy Act (CCPA) and Civil Code permit users of POSITIVE FINANCE that are California residents to request certain information regarding our disclosure of personal information to third parties for their direct marketing purposes. You may contact our customer service via email at firstname.lastname@example.org to make such a request.
POSITIVE FINANCE’s Website, Application and Services are not directed toward and do not address anyone under the age of 18 (“Children”).
We do not knowingly collect personally identifiable information from Children. If you are a parent or a guardian and if you are aware that your Children has provided us with personal data, please contact us via email at email@example.com.
If POSITIVE FINANCE becomes aware that we have collected personal data from Children without verification of parental consent, we take steps to remove that information from our servers.
Your feedback is welcome and encouraged and you may submit feedback by contacting our customer service. You agree, however, that:
You may reach our customer service by the following ways: