What Information does Noposit Collect?
Information You Provide to Us
We receive and store any information you knowingly provide to us. For example, through the registration process and/or through your Account settings, we may collect Personal Information such as your name, email address, physical address, lease information, and telephone number. Certain information may be required to register with us or to take advantage of some of our features. In addition, as part of the registration process, you may be asked to provide additional information such as your:
- social security number, date of birth, and address;
- employment information (including your United States Form I-20);
- bank, income and asset history and information (including bank statements);
- education information (including for example your college degree and field of study); and
- other information about you (including for example your personal interests).
For example, registered users of the Services may provide us with access credentials (for example, username and password) that allow us to gain online access to one or more accounts that they maintain with a third-party financial institution and that they choose to designate for use in connection with Services. We work with one or more Third Party Services that will securely store pursuant to industry standards any such access credentials that you provide on or through the Services and will access your financial institution accounts for the purposes of providing and improving Services.
If you choose to provide your Authorized Bank Account credentials to us, you authorize us to use this information to provide you with Services. This authorization will remain in effect until you notify us that you wish to revoke this authorization, which may affect your ability to receive the Services. The Third Party Service Provider that we work with for this purpose is Plaid, Inc. (“Plaid”). Plaid’s services and use of your information, including on or through the Services, are governed by its policy available athttps://plaid.com/legal/.
We may communicate with you if you’ve provided us the means to do so. For example, if you’ve given us your email address, we may email you about your use of the Services, or send you promotional email offers on behalf of other businesses. Further, if you provide us with your phone number, you authorize us to contact you via text message (SMS) at that phone number, and you thereby consent to the receipt of such messages. You may opt-out of receiving most of these messages at any time by sending us a request at email@example.com or by responding “STOP” to any text message. You acknowledge that opting out of receiving text messages may impact your use of the Services. More generally, we may use your contact information to send you messages about the Services. You may unsubscribe from some of these messages through your Account settings, although we reserve the right to contact you when we believe it is necessary, such as for account recovery purposes or service announcements.
Information Collected Automatically
Whenever you interact with our Services, we automatically receive and record information on our server logs from your browser or device, which may include your IP address, geolocation data, device identification, “cookie” information, the type of browser and/or device you’re using to access our Services, and the page or feature you requested. “Cookies” are identifiers we transfer to your browser or device that allow us to recognize your browser or device and tell us how and when pages and features in our Services are visited and by how many people. You may be able to change the preferences on your browser or device to prevent or limit your device’s acceptance of cookies, but this may prevent you from taking advantage of some of our features.
We may use this data to customize content for you that we think you might like, based on your usage patterns. We may also use it to improve the Services – for example, this data can tell us how often users use a particular feature of the Services, and we can use that knowledge to make the Services interesting to as many users as possible.
Information Collected From Other Websites and Third Parties; Do Not Track Policy
About Our Collection and Use of Your Financial Information
If you sign up for the Noposit Service, we verify your creditworthiness in order to provide you with that Service. In order to do this, we may require you to authorize us and Plaid to have view-only access to your Authorized Bank Account, which may include access to information on account balances, transaction history, etc. Plaid’s services and use of your information, including on or through the Services, are governed by their policies and terms and conditions, which may be found at https://plaid.com/legal/.