Privacy Policy

This Privacy Policy (“Policy”) describes the ways Chek Financial, Inc. (referred herein as “we”, “us”, “our”) or our affiliates collect, protect, use and store your personal information. You accept this Privacy Policy by using our products and services (collectively “Services”) on our website, through our mobile application, or through any other means. We may amend this Policy at any time by posting a revised version on our website (“the Site”). We will attempt to give a reasonable notice period upon making any changes; however, unless otherwise stated, the revised version will be effective at the time we post it. This Privacy Policy is incorporated into the website Terms of Use (add link) by this reference.

By using our Services, you are consenting to our processing of your Personal Information and data as set forth in this Policy now and as amended. As used herein, “processing” means using or accessing information in any way, including but not limited to collecting, storing, deleting, combining, and disclosing information. Our servers are located in the United States. Accordingly, if you reside outside the U.S., by using the Services, you acknowledge and agree that your Personal Information will be transferred to the United States and processed and stored in the United States. By using our Services, you understand that your information may be transferred to our facilities and those third parties with whom we share it as described in this Policy.

Our Services may contain links to other websites. The fact that we link to a website is not an endorsement, authorization, or representation of our affiliation with that third party. We do not exercise control over third party websites. These other websites may place their own cookies or other files on your computer, collect data, or solicit personally identifiable information from you. Other sites follow different rules regarding the use or disclosure of the personally identifiable information you submit to them. We encourage you to read the privacy policies or statements of every website you visit.

INFORMATION YOU SHARE WITH CHEK
Information We Often Collect

The types of personal information we collect depends on the Chek products you use and how you use them, which dictates which personal information is collected. Chek collects personal information when you directly interact with Chek in the following ways:

• Browsing Chekspend.com or using the Chek admin portal
• Completing an application and creating a Chek account
• Using our iOS or Android mobile apps
• Making a purchase using your physical or virtual Chek card
• Communicating (e.g. calling, chatting, or interacting with us, including Customer Experience or Sales interactions)
• Interacting with us at a conference or event

Information You Provide

If you are opening a Chek account, we need to process a certain amount of information about you, your business, and individuals associated with your business to comply with our legal and regulatory obligations and to address our fraud risks. We will collect the following information:

Identification Information

• Email address
• Name
• Telephone number
• Home street address
• Social security number or passport number
• Date of birth
• Business name
• Business address
• Business industry
• Business tax ID
• Business revenue

Banking Information

• Bank name
• Account holder name
• Account number
• Routing number
• Bank address

Device and Connection Information

• IP address
• Geolocation data
• Browser type and version
• Operating system and other software installed on your devices
• Unique device identifier and other technical identifiers
• Performance data
• Error reports

Usage Data

• Features you used
• Settings you selected
• Your URL clickstream data (including date and time stamp and referring and exit pages)
• Pages you visited on the service

Information processed when you make a transaction

When a payment is made by you on the Chek platform, we collect information about your transaction. The transaction information is received:(i) directly from you; (ii) from the issuing bank; and/or (iii) from the card networks. We will collect:

• Payment method information
• Purchase amount
• Purchase date
• Purchase location
• Receipt information
• Information provided to us by the card network associated with transactions, merchants, or cardholders

Information Chek Learns From Your Use of our Services or Access of the Site

When you visit the Chek website or use the Services, we may collect information from your computer, mobile phone, or similar device. This information may include your IP address and device information including but not limited to identifier, device name and type, operating system, location, mobile network information, and standard web log information such as your browser type, traffic to and from our website, the pages you accessed on our website, and any other available information. We may also collect information about your use and interaction with our website, application, or Services. For example, we may evaluate your computer, mobile phone, or other access device for indicators of fraud, or analyze your website clicks to assess your interest in our specific product terms. When you use our Services, we may also store information based on your usage history. This includes but is not limited to details of your purchases, content you viewed, event information, referring sites or click stream information, and web “cookies” or “tokens” that may uniquely identify your browser, device, or your account. We may also collect information about you from any contact you have with any of our employees, our customer support team, or through surveys, or through interactions with our agents and/or affiliates.

Location Data

Chek.com may receive varying degrees of location information from Social Media Services (as defined below) that you enable within our Service and also (with your permission) from your computing devices (“Location Data”). For example, we may collect and use location data (e.g. GPS or IP-based geography detection) to screen for fraudulent activity or to verify self- reported information (for example, to verify you reside in a certain city or near a university in which you are enrolled) and to customize the Service to make it more relevant to you (for example, to send newsletter information that may be of interest to you).

Server Log Data

When you interact with the Site or use our Services, our servers automatically receive and store certain personally non-identifiable information (“Log Data”). This Log Data is collected passively and may include (but is not limited to) information such as your IP address, browser type, mobile phone type, software settings/configurations, or the domain from which you are visiting, the Site pages you visit, the search terms you use, and any advertisements on which you click. We use Log Data and analytics-based observations to provide you with the Services (for example, to send an SMS to your mobile device) and we may pool Log Data with other information to monitor the use of the Services, and for the technical administration of the Services. If we are asked to comply with a subpoena or other legal demand or where we suspect that there has been a violation of our policies, then we will associate your IP address with any other Personal Information to identify you personally, according to our Terms of Use and/or applicable laws.

Cookies and Anonymous Identifiers

Like many websites and services, we also may use “cookie” technology to collect additional Site usage data and to improve the Site and Services and related offers. A cookie is a small data file that we transfer to your computer’s hard disk. Chek may use both session cookies and persistent cookies (known as “persistent tokens”) to better understand how you interact with the Site and our Services, to monitor aggregate usage by our users and web traffic routing on the Site, and to improve the Site and our Services. A session cookie or security token enables certain features of the Site and Services and is often (but not always) deleted from your computer when you disconnect from or leave the Site. A persistent token will likely remain after you close your browser and may be used by your browser on subsequent visits to the Site. Persistent tokens can be removed by following your web browser help file directions. Most Internet browsers automatically accept cookies. You can instruct your browser, by editing its options, to stop accepting cookies or to prompt you before accepting a cookie from the websites you visit.

We may, or our Partners or Affiliates may, also deliver a file (known as a “web beacon”) from an ad network to you through the Services. Web beacons allow ad networks (and other websites) to provide anonymized, aggregated auditing, research, and reporting for us and for advertisers. Web beacons also enable ad networks to send targeted advertisements to you when you visit other websites. Because your web browser must request these advertisements and web beacons from the ad network’s servers, these companies can view, edit, or set their own cookies, just as if you had requested a web page from their sites.

Card Transaction Information

We collect transaction details related to your use of our Services, including the type of service requested, date and time the service was provided, amount charged, locations, distance traveled, and other related transaction details.

Aggregated Personal Data

In an ongoing effort to better understand and serve the users of the Services, Chek often conducts research on our customer demographics, interests, and behavior based on the information provided to us. This research may be compiled and analyzed on an aggregate basis and Chek may share this aggregated data with our marketing affiliates, agents, and business partners. This aggregated information does not identify you personally. Chek may also disclose aggregated user statistics in order to describe our services to current and prospective business partners and to other third parties for other lawful purposes.

Information Obtained From Third Parties

We may obtain information about you from third parties such as credit bureaus, the U.S. Department of Homeland Security, student enrollment verification services, and/or other identity verification services. The information we have access to varies by site and is controlled by your privacy settings on that site and your authorization. By associating an account managed by a third party with your Chek account and authorizing Chek to have access to this information, you agree that Chek may collect, store, and use this information in accordance with this Policy.

Usage and Preference Information

We collect information regarding how you and other site visitors use and interact with our Services, including preferences expressed, and settings chosen. In some cases, we do this through the use of cookies, pixel tags, and similar technologies that create and maintain unique identifiers.

HOW CHEK PROTECTS YOUR INFORMATION

Chek stores and processes your information while maintaining physical, electronic, and procedural safeguards of its Site and Systems. We maintain physical security measures to guard against unauthorized access to systems and use electronic safeguards such as firewalls and data encryption. We authorize access to personal information only for those authorized employees with a business need to have access to personal information.

HOW CHEK USES YOUR INFORMATION

Our primary purpose in collecting personal information is to provide you with a safe, smooth, efficient, fun, and customized experience. We may use your personal information to:

• Provide the services and customer support you request
• Process transactions and send notices about your transactions or your network activity
• Prevent potentially fraudulent, prohibited or illegal activities, and enforce our user agreement
• Customize, personalize, measure, and improve our services and the content and layout of our website
• Send you updates about new products and services that we are offering to customers
• Compare information for accuracy and verify it with third parties
• Perform other duties as required by law

Chek does not share your personal information with third parties for promotional or marketing purposes.We may share your personal information with:

• Law enforcement, government officials, or other third parties if compelled to do so by a subpoena, court order or similar legal procedure, when it is necessary to do so to comply with law, or where the disclosure of personal information is reasonably necessary to prevent physical harm or financial loss, to report suspected illegal activity, or to investigate violations of the Chek User Agreement, or as otherwise required by law.
• Third-party service providers who assist us in providing services to you or who provide fraud detection or similar services on our behalf.
• Service providers under contract who help with parts of our business operations (for example, fraud prevention, payment processing, or technology services); Our contracts dictate that these service providers only use your information in connection with the services they perform for us and not for their own benefit.
• Other third parties with your consent or at your direction to do so.

Except as permitted by law, Vermont is an opt-in state and we cannot share consumer information with third parties without permission from the consumer.

WHEN CHEK SHARES YOUR INFORMATION

To process payments on Chek, we need to share some of your personal information with the person or company that you are paying or is paying you. Your contact information, date of sign-up, the number of payments you have received and other verification metrics like social graph activity may be provided to users or companies when you transact with, on, or through Chek.

We work with vendors to enable them to accept payments from you using Chek. In doing so, a vendor may share information about you with us, such as your mobile phone number or Chek username, when you attempt to pay that vendor. We use this information to confirm with that vendor that you are a Chek customer and that the vendor should enable Chek as a form of payment for your purchase.

We may share anonymized and aggregated data, including transactional data. We will obtain your prior written consent before ever sharing your data in an attributable format. You may revoke consent at any time here.

Regardless, we will not disclose your credit card number or bank account number to anyone you have paid or who has paid you through Chek, except with your express permission or if we are required to do so to comply with a subpoena or other legal process.

Disclosures for Legal Purposes

It may be necessary − by law, legal process, litigation, and/or requests from public and governmental authorities within or outside your country of residence − for Chek to disclose your personal information. We may also disclose information about you if we determine that for purposes of national security, law enforcement, or other issues of public importance, disclosure is necessary or appropriate. We may also disclose information about you, but only where there is a lawful basis for doing so, if we determine that disclosure is reasonably necessary to enforce our terms and conditions or protect our operations or users. This could include providing information to public or governmental authorities. Additionally, in the event of a reorganization, merger, or sale we may transfer any and all personal information we collect to the relevant third party.

HOW CHEK DOES NOT SHARE YOUR INFORMATION
Selling Information to Third Parties.

We do not sell or rent your personal information to third parties.

WHAT ARE YOUR PRIVACY OPTIONS
Your Right to Opt-Out

If you no longer wish to receive notifications (such as SMS or email messages) about our Services, you can log into your Chek account and adjust your preference.

Your Right to Access or Change Your Personal Information

You can review and edit your personal information in your account settings at any time by logging in to your account.

Learn about State Laws

This Privacy Policy may not constitute your entire set of privacy rights, as these may vary from state to state.

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