Terms and Conditions
1. Terms and Conditions
Roundlyx.com is not intended for anyone under the age of 18. To use the Sites, Application, or Services, user agree that user is 18 years old or older. Creating an account with false information is a violation of our terms, including accounts registered on behalf of others or persons under the age of 18.
User Account Security
Member accounts are password protected. Users agree to:
(1) build a sufficiently complex password
(2) Maintain control of password;
(3) not transfer access of their account to another individual
Users are responsible for anything that happens on their account unless user closes it or reports a 3rd party using their profile.
No Investment Advice or Brokerage. For the avoidance of doubt, RoundlyX.com does not provide investment, tax, or legal advice, nor does RoundlyX.com broker trades on your behalf. You are solely responsible for determining whether any investment, investment strategy or related transaction is appropriate for you based on your personal investment objectives, financial circumstances and risk tolerance. You should consult your legal or tax professional regarding your specific situation. We may provide educational information about Supported Digital Currency, as well as Digital Currency not supported by the Sites, Application, and Services in order to assist users in learning more about such Digital Currency. Information may include, but is not limited to, blog posts, articles, links to third-party content, news feeds, tutorials, and videos. The information provided on this website or any third-party sites does not constitute investment advice, financial advice, trading advice, or any other sort of advice, and you should not treat any of the website's content as such. We do not recommend that any Digital Currency should be bought, earned, sold, or held by you. Before making the decision to buy, sell or hold any Digital Currency, you should conduct your own due diligence and consult your financial advisors before making any investment decision. The Company will not be held responsible for the decisions you make to buy, sell, or hold Digital Currency based on the information provided by Us.
Taxes. It is your sole responsibility to determine whether, and to what extent, any taxes apply to any transactions you conduct through our Services or Application, and to withhold, collect, report and remit the correct amounts of taxes to the appropriate tax authorities. Your transaction history is available through your connected exchange Account. The Company does not provide tax advice and it is up to the User to ensure the reliability of each User’s tax liability.
3. PROMOTIONS AND REFERRAL
4. LINKS TO OTHER SITES
The Site, Application and Services contain links to other independent third-party web sites, and we provide links to third-party websites as part of the Services (in all cases “Linked Sites”). These Linked Sites are provided solely as a convenience to you and based upon your Client Information or the Content you elect to view. Such Linked Sites are not under our control, and we are not responsible for and do not endorse the content of such Linked Sites, including any products, information or materials contained on such Linked Sites. You will need to make your own independent judgment regarding your interaction with these Linked Sites. Some of the content served by us will be from merchant sites, and sales through these sites may generate a commission payable to us. We accept no responsibility for reviewing changes or updates to, or the quality, content, policies, nature or reliability of third party web sites, including, without limitation, Linked Sites and websites linking to the Site or Application. We are not responsible for ensuring that a third party buyer or a seller you transact with will complete the transaction or is authorised to do so. If you experience a problem with any goods or services purchased from, or sold through a Linked Site you should resolve the problem directly with the Linked Site. We accept no responsibility for any malware or other such malicious computer programs that may result from accessing Linked Sites. We make no guarantees as to the fitness and merchantability of any products or services provided on Linked Sites. Additionally, We accept no responsibility for data breaches and or loss of personal information that may occur from having accessed and utilized any Linked Sites. You should review applicable terms and policies, including privacy and data gathering practices, of third party web sites, and should make whatever investigation you feel necessary or appropriate before proceeding with any transaction with any third party.
5. LINKS TO OTHER SITES
Content and Materials
6. COPYRIGHT POLICY
We respect the intellectual property of others and ask that users of our Site, Application and
Services do the same. In connection with our Site, Application and Services, we have adopted
and implemented a policy respecting copyright law that provides for the removal of any
infringing Materials and for the termination, in appropriate circumstances, of users of our Site,
Application and Services who are repeat infringers of intellectual property rights, including
copyrights. If you believe that one of our users is, through the use of our Site, Application and
Services, unlawfully infringing the copyright(s) in a work, and wish to have the allegedly
infringing Material removed, the following information in the form of a written notification
(pursuant to 17 U.S.C. § 512(c)) must be provided to our designated copyright agent: (a) your
physical or electronic signature; (b) identification of the copyrighted work(s) that you claim to
have been infringed; (c) identification of the Materials on our services that you claim is infringing
and that you request us to remove; (d) sufficient information to permit us to locate such Material;
(e) your address, telephone number, and email address; (f) a statement that you have a good
faith belief that use of the objectionable Materials are not authorized by the copyright owner, its
agent, or under the law; and (g) a statement that the information in the notification is accurate,
and under penalty of perjury, that you are either the owner of the copyright that has allegedly
been infringed or that you are authorized to act on behalf of the copyright owner. Please note
that, pursuant to 17 U.S.C. § 512(f), any misrepresentation of material fact (falsities) in a written
notification automatically subjects the complaining party to liability for any damages, costs and
attorney’s fees incurred by us in connection with the written notification and allegation of
Our designated copyright agent can be contacted via email at Hello@RoundlyX.com
7. PERMITTED USES
non-sublicensable license to use the user interface of the Sites, the Application and their
purpose. All rights, title and interest in and to the user interface and Content, including any
software, on or through the Site and Application shall belong to us or our Licensors and
Suppliers, including all modifications thereof and enhancements thereto. The Content and user
interface made available from, on or through the Site or Application may not be copied,
modified, republished, assigned, sold or distributed to you, nor may derivative works be
your personal use (but not for resale or redistribution) as a user of the Site or Application and
may not be used for any other purposes. You shall not reverse engineer, de-compile, or
otherwise translate, in any way, the Content and user interface made available from, on or
through the Site or Application. You have no right or claim of right to the Content or any unique
ideas found on the Site or Application. No ownership rights are granted to you hereunder and no
title is transferred hereby.
This license may be terminated by the Company at any time.
Users retain ownership of the content and personal information they provide to Us through the Site, Application, or services, but users also grant Us a non-exclusive license to this information provided.
RoundlyX Inc. and our affiliates are allowed the following non-exclusive license:
Right to use, copy, modify, distribute, publish, and process, information and content that users provide to RoundlyX Inc. without any further consent, notice and/or compensation to user or others. These rights are limited in the following ways:
1. Users can end this license for specific content by deleting the content or by closing their account. Exceptions include information shared with others that they reshare or retain and for the reasonable time it takes to remove from backup and other systems.
2. We do not use user content in third party ads to others without user separate consent. We do have ads in the proximity of their content and information and their engagement may be visible and included with ads.
3. When users share public post, other users may embed that public post onto third-party service that can be found through search engines.
8. PROHIBITED USES
You may not use the Site, Application or Services for illegal or unlawful or malicious activities, or for activities that we deem improper for any reason whatsoever in our sole judgment, including, without limitation, the laundering of proceeds of any unlawful activity, the financing of terrorism, the commission of fraud or market manipulation, the harassing or making disparaging comments to any user of the Site or Application. We reserve the right to take preventative or corrective actions to protect ourselves and our users. Your use of the Site, the Application and Services is conditioned in part on your compliance with the rules of conduct provided herein, and your failure to comply may result in termination of your access to and use of the Site, the Application and Services and liability for damages caused by your noncompliance. In addition to the foregoing, while using the Site, the Application and Services, you may not, except as may be expressly set forth above under “Permitted Uses” (a) impersonate any person or entity, falsely state or otherwise misrepresent your affiliation with any person or entity, or use or provide any fraudulent, misleading or inaccurate information; (b) defame, abuse, harass, stalk, intimidate, bully, threaten or otherwise violate the rights of others, including without limitation others’ privacy rights or rights of publicity; (c) access or use (or attempt to access or use) another user’s account without permission, or solicit another user’s login information; (d) transmit any software or materials that contain any viruses, worms, trojan horses, defects, or other items of a destructive nature; (e) modify, adapt, sublicense, translate, sell, reverse engineer, decompile or disassemble any portion of the Site, Application or Services; (f) “frame” or “mirror” any portion of the Site, Application or Services; (g) use any robot, spider, site search/retrieval application or other manual or automatic device or process to retrieve, index, “data mine” or in any way reproduce or circumvent the navigational structure or presentation of the Site, Application or Services; (h) harvest or collect information about or from other users of the Site, Application or Services; (i) use the Site, Application or Services for any illegal activity; (j) probe, scan or test the vulnerability of the Site or Application, nor breach the security or authentication measures on the Site or Application or take any action that imposes an unreasonable or disproportionately large load on the infrastructure of the Site or Application, such as a denial of service attack; (k) send or otherwise post unauthorized commercial communications (such as spam); (l) engage in unlawful multi-level marketing, such as a pyramid scheme; (m) post content that is hateful, threatening or pornographic, incites violence, or contains nudity or graphic or gratuitous violence; (n) access or use any portion of the Content if you are a direct or indirect competitor of the Company, or provide, disclose or transmit any portion of the Content to any direct or indirect competitor of the Company; (o) use or distribute any Content, including Content that has been verified or confirmed by you or anyone else, to directly or indirectly create or contribute to the development of any database or product; or (p) facilitate or encourage any violations of this Section.
9. WARRANTIES, DISCLAIMERS AND LIMITATIONS OF LIABILITY
Disclaimer of Warranties
ALTHOUGH THE COMPANY MAKES EFFORTS TO PROVIDE AN ACCURATE SITE AND
APPLICATION, THE SITE AND APPLICATION AND ALL RESPECTIVE PARTS THEREOF
ARE PROVIDED “AS IS”, “WITH ALL FAULTS”, AND “AS AVAILABLE”. THE COMPANY AND
ITS AFFILIATES AND THEIR RESPECTIVE MANAGING MEMBERS, OFFICERS,
DIRECTORS, EMPLOYEES AND THIRD PARTY SUPPLIERS (COLLECTIVELY, THE
“COMPANY PARTIES”) DISCLAIM ANY AND ALL REPRESENTATIONS, WARRANTIES OR
GUARANTEES OF ANY KIND, WHETHER EXPRESS, IMPLIED OR STATUTORY,
INCLUDING WITHOUT LIMITATION (1) AS TO TITLE, MERCHANTABILITY, FITNESS FOR
ORDINARY PURPOSES AND FITNESS FOR A PARTICULAR PURPOSE AND NON-
INFRINGEMENT, (2) THE QUALITY, ACCURACY, TIMELINESS OR COMPLETENESS OF
THE SITE, THE APPLICATION AND THEIR RESPECTIVE CONTENT, (3) THOSE ARISING
THROUGH COURSE OF DEALING, COURSE OF PERFORMANCE OR USAGE OF TRADE,
(4) THE SITE AND APPLICATION AND THEIR RESPECTIVE CONTENT CONFORMING TO
ANY FUNCTION, DEMONSTRATION OR PROMISE BY ANY COMPANY PARTY AND (5)
THAT ACCESS TO OR USE OF THE SITE, THE APPLICATION OR THEIR RESPECTIVE
CONTENT WILL BE UNINTERRUPTED, ERROR-FREE OR COMPLETELY SECURE. ANY RELIANCE UPON THE SITE, THE APPLICATION AND THEIR RESPECTIVE CONTENT IS AT YOUR OWN RISK AND THE COMPANY MAKES NO WARRANTIES. THE COMPANY RESERVES THE RIGHT TO RESTRICT OR TERMINATE YOUR ACCESS TO THE SITE, THE APPLICATION AND THEIR RESPECTIVE CONTENT OR ANY FEATURE OR PART THEREOF AT ANY TIME. IF YOU DOWNLOAD THE APPLICATION OR ANY CONTENT FROM THIS SITE, YOU DO SO AT YOUR OWN DISCRETION AND RISK. YOU WILL BE SOLELY RESPONSIBLE FOR ANY DAMAGE TO YOUR COMPUTER SYSTEM OR MOBILE DEVICE OR LOSS OF DATA THAT RESULTS FROM THE DOWNLOAD OF ANY SUCH CONTENT.
applicable law including, but not limited to, the warranty disclaimers and liability limitations
contained herein, then the invalid or unenforceable provision will be deemed superseded by a
valid, enforceable provision that most closely matches the intent of the original provision and the
and of any notice given in electronic form shall be admissible in judicial or administrative
same conditions as other business documents and records originally generated and maintained
and approvals hereunder shall be in writing and shall be deemed to have been given upon: (i)
personal delivery, (ii) the second business day after mailing, (iii) the second business day after
sending by confirmed facsimile, or (iv) the first business day after sending by email. Notices to
us must be sent in writing to the following address: 1717 E Cary Street, Richmond, VA 23223 or
via email addressed to: Hello@RoundlyX.com and notices to you will be sent to the email
address you provide to us, which addresses may be updated from time to time upon written
notice to the other party. The Services, Content, other technology we may make available, and
derivatives thereof may be subject to laws and regulations of the United States and other
jurisdictions. No forbearance or delay by either party in enforcing its rights shall prejudice or
restrict the rights of that party, and no waiver of any such rights or of any breach of any
contractual terms shall be deemed to be a waiver of any other right or of any later breach. You
may not assign any of your rights or obligations hereunder, whether by operation of law or
user registration), without your consent in connection with a merger, acquisition, corporate
reorganization, or sale of all or substantially all of our assets, or to an affiliate, or in connection
the benefit of the parties, their respective successors and permitted assigns.
Questions? Contact us at Hello@RoundlyX.com
12. ACCURACY OF MATERIALS
The materials appearing on RoundlyX.com could include technical, typographical, or photographic errors. The Company does not warrant that any of the materials on its website are accurate, complete or current. The Company may make changes to the materials contained on its website at any time without notice. However the Company does not make any commitment to update the materials.
13. ROUNDLYX FEES
If you have your banking/credit/debit card account connected through Plaid (known as “Plaid
Technologies Inc.”), you will be charged a subscription fee of $1 USD monthly.
14. TERMINATION OF ACCOUNT
Both the user and The Company may terminate this Contract at any time with notice to the
other. On termination, users lose the right to access or use their account. We retain the right to
use and disclose their feedback. Other users have the rights to re-share their content or
information a user previously shared on the Roundlyx.com website.
We may at any time disconnect your link to Plaid if you cannot pay your monthly fee.
The Company may also disconnect if you do not have your digital asset exchange account connected or have no funds in your digital asset exchange account.
We collect personal data from users when they post or upload a profile to our Website, respond to a survey, or comment on a post, etc. Users don’t have to post or upload any personal data to their profile.
We log visits and use of our Services, including mobile apps. We log usage data when user visit or otherwise use our Services, including our sites, and email communications, such as when user view or click on content (e.g., learning video) or ads perform a search, or share articles. We use Google analytics, log-ins, cookies, and internet protocol (“IP”) addresses to identify user and log their use.
Cookies, Web Beacons and Other Similar Technologies
Mobile Devices and Location
When user visit or leave our Services (including our plugins or cookies or similar technology on the sites of others), we receive the URL of both the site user came from and the one user go to next. We also get information about their IP address, proxy server, operating system, web browser and add-ons, device identifier and features, and/or ISP or their mobile carrier. If user use our Services from a mobile device, that device will send us data about their location based on their phone settings.
How We Use Data
We use user data to provide, support, personalize and develop our platform. How we use users personal data depends on user. We use the data that we have about users to personalize user experience, including with the help of automated systems and inferences we make, so our Services (including ads) can be more relevant and useful to users.
Our website helps digital asset enthusiasts build their brands and share their experiences with other Users. Our leaderboard uses information provided by digital asset enthusiasts to build a trailing twelve-month performance metric. Users are able to discontinue participation at any time. Information Users include on their profile, content posted or social action (e.g. likes, comments, shares) will be seen by others. A User profile may be fully visible to all members and visitors of our website. We let users know when other users like or respond to their content or messages.
We will contact users through email, mobile phone, notices posted on our websites or apps, messages to their inbox, and other ways through our Services, including text messages and push notifications. We will send user messages about the availability of our Services, security, or other service-related issues. We also send messages about how to use the Services, network updates, reminders and promotional messages from us and our partners. Please be aware that User cannot opt-out of receiving certain service messages from us including security and legal notices.
We serve Users tailored ads both on and off our Services. We target (and measure the
performance of) ads to Members, Visitors and others both on and off our website directly or
through partners, using the following data, whether separately or combined:
1. Member-provided information
2. Data from advertising technologies data (ad tags, cookies, pixels, etc) on and off our website, like web beacons, pixels, ad tags, cookies, and device identifiers;
3. Data from user interaction on our website (searches, content selected to read, videos watched, clicking ads etc)
4. Info from advertising partners and publishers
Any sponsored content will be labeled as such. Interaction (i.e. clicking) of this content will be provided to the sponsor of the content.
We use data and content about Members for communications promoting network growth, the growth of the RoundlyX platform. Polls and surveys are conducted by RoundlyX. users are not obligated to respond to polls or surveys.
We keep some of their data even after users close their account. If users close their profile
accounts, their personal data will generally stop being visible to others on our Services. We
generally delete closed account information within 30 days of account closure, except as noted
below. We retain personal data even after users have closed their account to comply with legal
and business process requirements. We will retain de-personalized information after their
account has been closed.
Information users have shared with others through comments will remain visible after user closed their account or deleted the information from their own profile, and we do not control data that other Members copied out of our Services.
Users may link their account with others’ services allowing 3rd party services to look at user profiles, posts User share on such platforms, or engage with others on these 3rd party platforms. For example, a user may link their Twitter account to their profile and share content between RoundlyX and Twitter. It is up to the User to familiarize themselves with the privacy policies of any 3rd party services to which they may link their account.
External Service Providers
The Company may utilize external parties to improve our platform (marketing, audit, fraud, legal services, and development). They will have access to user information as reasonably necessary to perform their assigned jobs.
Legal Disclosures of User Data
Change in Control or Sale
16. BINDING ARBITRATION AND APPLICABLE LAW
These terms and conditions are governed by and construed in accordance with the laws of Virginia
and you irrevocably submit to the exclusive jurisdiction of the courts in that State or location.
Any controversy or claim arising out of or relating to this contract, or the breach thereof, shall be
settled by arbitration. The place of arbitration shall be Richmond, Virginia. Judgment on the award
rendered by the arbitrator(s) may be entered in any court having jurisdiction thereof. EACH USER
AND THE COMPANY HEREBY KNOWINGLY, VOLUNTARILY, AND INTENTIONALLY WAIVE
ANY RIGHTS THEY MAY HAVE TO A TRIAL BY JURY IN RESPECT OF ANY LITIGATION
BASED HEREON, OR ARISING OUT OF, UNDER, OR IN CONNECTION WITH, THIS TERMS
The Arbitrator shall be authorized to award compensatory damages, but shall NOT be authorized to award non-economic damages such as for emotional distress, or pain and suffering or punitive or indirect, incidental or consequential damages. Each party shall bear its own attorneys’ fees, cost and disbursements arising out of the arbitration, and shall pay an equal share of the fees and costs of the Arbitrator.
Our mission at Plaid is to unlock financial freedom for everyone. Our technology provides an easy way for you to connect your bank account and other financial accounts to software applications that can help you do things like save for retirement, manage your spending, streamline credit applications, or transfer money. These software applications are built and provided by our business customers (we’ll call them “developers” here), and powered by Plaid. By delivering access to high-quality, usable financial account data that we’ve translated and standardized, we enable developers to focus on building experiences that benefit you.
Our goal with this Policy is to provide a simple and straightforward explanation of what information Plaid collects from and about end users (“End User Information”), and how we use and share that information. We value transparency and want to provide you with a clear and concise description of how we treat your End User Information.
Please note that this Policy only covers the information that Plaid collects, uses, and shares. It does not explain what developers do with any End User Information we provide to them (or any other information they may collect about you separately from Plaid). This Policy also does not cover any websites, products, or services provided by others. We encourage you to review the privacy policies or notices of developers or those third parties for information about their practices.
As explained in greater detail below, Plaid has collected identifiers, location information, commercial information, electronic network activity information, professional information, inferences, and other types of End User Information.
Information you provide. When you connect your financial accounts with a developer application or otherwise connect your financial accounts through Plaid, where applicable, we collect identifiers and login information required by the provider of your account, such as your username and password, or a security token. In some cases, we also collect your phone number, email address, security questions and answers, and one-time password (OTP) to help verify your identity before connecting your financial accounts. When providing this information, you give the developer and Plaid the authority to act on your behalf to access and transmit your End User Information from the relevant bank or other entity that provides your financial accounts (we’ll call them “financial product and service providers” in this Policy). You may also provide us with identifiers and other information, including your name, email address, and phone number, when you contact us or enter any such information on our websites.
Information we collect from your financial accounts. The information we receive from the financial product and service providers that maintain your financial accounts varies depending on a number of factors, including the specific Plaid services developers use, as well as the information made available by those providers. But, in general, we collect the following types of identifiers, commercial information, and other personal information from your financial product and service providers:
- Account information, including financial institution name, account name, account type, account ownership, branch number, IBAN, BIC, account number, routing number, and sort code;
- Information about an account balance, including current and available balance;
- Information about credit accounts, including due dates, balances owed, payment amounts and dates, transaction history, credit limit, repayment status, and interest rate;
- Information about loan accounts, including due dates, repayment status, balances, payment amounts and dates, interest rate, guarantor, loan type, payment plan, and terms;
- Information about investment accounts, including transaction information, type of asset, identifying details about the asset, quantity, price, fees, and cost basis;
- Identifiers and information about the account owner(s), including name, email address, phone number, date of birth, and address information;
- Information about account transactions, including amount, date, payee, type, quantity, price, location, involved securities, and a description of the transaction; and
- Professional information, including information about your employer, in limited cases where you’ve connected your payroll accounts or provided us with your pay stub information.
The data collected from your financial accounts includes information from all accounts (e.g., checking, savings, and credit card) accessible through a single set of account credentials.
Information we receive about you from other sources. We also receive identifiers and commercial information about you directly from the relevant developer or other third parties, including our service providers, bank partners, and identity verification services. For example, developers may provide information such as your full name, email address, phone number, or information about your financial accounts and account transactions, and our bank partners or service providers may provide information such as the status of a transaction you have initiated.
Inferences we derive from the data we collect. We may use the information we collect about you to derive inferences. For example, we may infer your location or your annual income based on the information we have collected about you from you or other sources.
How We Use Your Information
We use your End User Information for a number of business and commercial purposes, including to operate, improve, and protect the services we provide, and to develop new services. More specifically, we use your End User Information:
- To operate, provide, and maintain our services;
- To improve, enhance, modify, add to, and further develop our services;
- To protect you, developers, our partners, Plaid, and others from fraud, malicious activity, and other privacy and security-related concerns;
- To develop new services;
- To provide customer support to you or to developers, including to help respond to your inquiries related to our service or developers’ applications;
- To investigate any misuse of our service or developers’ applications, including violations of our Developer Policy, criminal activity, or other unauthorized access to our services;
- To comply with contractual and legal obligations under applicable law; and
- For other notified purposes with your consent.
Our Lawful Bases for Processing (EEA and UK End Users Only)
For individuals in the European Economic Area (“EEA”) or the United Kingdom (“UK”), our legal basis for processing your End User Information will depend on the information concerned and the context in which we collected or processed it. Generally, however, we will normally only collect and process End User Information where:
- we need to fulfill our responsibilities and obligations in any contract or agreement with you (for example, to comply with our end user services agreements);
- to comply with our legal obligations under applicable law;
- the processing is necessary for our legitimate interests and not overridden by your data protection interests or fundamental rights and freedoms (for example, to safeguard our services; to communicate with you; or to provide or update our services); and
- you have given your consent to do so.
How We Share Your Information
- With the developer of the application you are using and as directed by that developer (such as with another third party if directed by you);
- To enforce any contract with you;
- With our data processors and other service providers, partners, or contractors in connection with the services they perform for us or developers;
- With your connected financial institution(s) to help establish or maintain a connection you’ve chosen to make;
- If we believe in good faith that disclosure is appropriate to comply with applicable law, regulation, or legal process (such as a court order or subpoena);
- In connection with a change in ownership or control of all or a part of our business (such as a merger, acquisition, reorganization, or bankruptcy);
- Between and among Plaid and our current and future parents, affiliates, subsidiaries and other companies under common control or ownership;
- As we believe reasonably appropriate to protect the rights, privacy, safety, or property of you, developers, our partners, Plaid, and others; or
- For any other notified purpose with your consent.
We may collect, use, and share End User Information in an aggregated, de-identified, or anonymized manner (that does not identify you personally) for any purpose permitted under applicable law. This includes creating or using aggregated, de-identified, or anonymized data based on the collected information to develop new services and to facilitate research.
We do not sell or rent personal information that we collect.
In the preceding 12 months, we have disclosed the following categories of personal information for business purposes to the following categories of recipients:
- Financial information
- Commercial information
- Location information
- Professional information
- Electronic network activity information
- Developer(s) of application(s) you use, and as directed by the developer
- Financial institutions
- Providers of payments services
- Partners and contractors in connection with the services they perform for us or developers
- Professional advisors
- Data analytics providers
- Cloud storage providers
- Software development services providers
- Fraud prevention services providers
- Identity verification services providers
- Plaid group entities
- Third parties when compelled by law, such as to law enforcement or other governmental authorities
Our Retention Practices
We retain End User Information for no longer than necessary to fulfill the purposes for which it was collected and used, as described in this Policy, unless a longer retention period is required or permitted under applicable law. As permitted under applicable law, even after you stop using an application or terminate your account with one or more developer, we may still retain your information (for example, if you still have an account with another developer). However, your information will only be processed as required by law or in accordance with this Policy.
Please refer to the “Your Data Protection Rights” section for options that may be available to you, including the right to request deletion of End User Information. You can also contact us about our data retention practices using the contact information below.
International Data Transfers
We operate internationally, and as a result, will transfer the information we collect about you across international borders, including from the EEA or UK to the United States, for processing and storage. To the extent that the information we collect about you is transferred from the EEA to territories/countries for which the EU Commission has not made a finding that the legal framework in that territory/country provides adequate protection for individuals' rights and freedoms for their personal data, we may transfer such data consistent with applicable data protection laws based on prior assessment of the level of data protection afforded in the context of the transfer, including through the use of the EU Commission-approved standard contractual clauses, if necessary in combination with additional safeguards. You can ask for a copy of these standard contractual clauses by contacting as set out below.
Your Data Protection Rights
Under applicable law, and subject to limitations and exceptions provided by law, if you are located in the EEA or UK, and in certain other jurisdictions, you may have certain rights in relation to the End User Information collected about you and how it is used, including the right to:
- Access End User Information collected about you;
- Request that we rectify or update your End User Information that is inaccurate or incomplete;
- Request, under certain circumstances, that we restrict the processing of or erase your End User Information;
- Object to our processing of your End User Information under certain conditions provided by law;
- Where processing of your End User Information is based on consent, withdraw that consent;
- Request that we provide End User Information collected about you in a structured, commonly used and machine-readable format so that you can transfer it to another company, where technically feasible; and
- File a complaint regarding our data protection practices with a supervisory authority (if you are in the EEA or UK, please refer to the following link for contact details: EEA - https://edpb.europa.eu/about-edpb/board/members_en and UK - www.ico.org.uk).
Under the California Consumer Privacy Act (“CCPA”), and subject to certain limitations and exceptions, if you are a California resident, you may have the following rights with respect to End User Information we have collected about you that constitutes personal information under the CCPA:
- To request access to more details about the categories and specific pieces of personal information we may have collected about you in the last 12 months (including personal information disclosed for business purposes);
- To request deletion of your personal information;
- To opt-out of any “sales” of your personal information, if a business is selling your information; an
- To not be discriminated against for exercising these rights.
To exercise your access or deletion rights, where applicable, you can submit a request using our online form (available here). You can also contact us as described in the “Contacting Plaid” section below to exercise any of your data protection rights, where applicable. You may be required to provide additional information necessary to confirm your identity before we can respond to your request.
We will consider all such requests and provide our response within a reasonable period of time (and within any time period required by applicable law). Please note, however, that certain information may be exempt from such requests, for example if we need to keep the information to comply with our own legal obligations or to establish, exercise, or defend legal claims.
Changes To This Policy
We may update or change this Policy from time to time. If we make any updates or changes, we will post the new policy on Plaid’s website at https://plaid.com/legal and update the effective date at the top of this Policy. We will also notify developers of any material changes in accordance with our developer agreements, as they are generally best positioned to notify their end users about such changes to this Policy, as appropriate.
If you have any questions or complaints about this Policy, or about our privacy practices generally, you can contact Plaid at firstname.lastname@example.org or by mail at:
If you reside outside the EEA or UK:
PO Box 7775 #35278
San Francisco, California 94120-7775
If you reside in the UK:
Plaid Financial Ltd.
New Penderel House, 4th Floor
283-288 High Holborn
London, United Kingdom, WC1V 7HP
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