SpendPal Privacy Policy

WHAT DOES SpendPal DO WITH YOUR PERSONAL INFORMATION?

Why? Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.

What? The types of personal information we collect can include:

Names of members of the household
Income amounts and sources
Debt and Bill Payment Information
Addresses
Financial Account Information
Institution Name
Account Balances
Transactions Details

Reasons we can share your personal information	Does SpendPal share?	Can you limit this sharing?
For our everyday business purposes: such as to obtain your transactions, maintain your account(s), respond to court orders and legal investigations, or to report to credit bureaus.	Yes	No
For our marketing purposes: to offer our products and services to you.	No	We don't share
For joint marketing with other financial companies.	No	We don't share
For our affiliates’ everyday business purposes: information about your transactions and experiences.	No	We don't share
For our affiliates to market to you	No	We don't share
For non-affiliates to market to you	No	We don't share

To limit our sharing send a certified mailed letter to:
SpendPal
2343 Deer Creek Way
Springville, UT 84663

Please note: If you are a new customer, we can begin sharing your information 30 days from the date we sent this notice. 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. Questions? Contact us at www.spendpal.com

Who We Are

Who is providing this notice?

SpendPal

What We Do?

We help people spend smarter and live better

How does SpendPal protect my personal information?

To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings

How does SpendPal collect my personal information?

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

Give us your personal information or income information to set up your SpendPal Account
Give us your contact information
We also collect your personal information from others such as credit bureaus, affiliates, or other companies you’ve authorized to share information with us.

Why can’t I limit all sharing?

Federal law gives you the right to limit only:

sharing for affiliates’ everyday business purposes
information about your creditworthiness
affiliates from using your information to market to you
sharing for non-affiliates to market to you

We don’t share your information for any of those purposes. State laws and individual companies may give you additional rights to limit sharing.

Definitions:

Affiliates: Companies related by common ownership or control. They can be financial and nonfinancial companies. SpendPal has no affiliates.

Non-Affiliates: Companies not related by common ownership or control. They can be financial or nonfinancial companies.

Non-affiliates we share with can include other financial institutions and service providers. SpendPal does not share with non-affiliates so they can market to you.

Joint Marketing: A formal agreement between non-affiliated financial companies that together market financial products or services to you. SpendPal doesn’t jointly market.

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