Website and Mobile App Terms of Use
General and Acceptance
These Terms of Use apply to the Finstro website (the “Website”) and the Finstro mobile application (the “Mobile App”), which is operated on behalf of Finstro US, Inc. (“Finstro”, “we”, “us” or “our”). By downloading, installing, accessing, browsing or using the Website or Mobile App (the “Services”), you accept and agree to both these terms and conditions (“Terms of Use” or “Agreement”) and the terms and conditions of the Finstro Privacy Policy, which is published via a link on the Website, and which is incorporated herein by reference. In addition to all other agreements that may be provided to you, these Terms of Use set forth the legally binding terms for your use of the Services and they shall apply to all users of the Website and Mobile App. By continuing to use the Services, you agree to be bound by this Agreement. You are only authorized to use the Services (regardless of whether your access or use is intended) if you agree to abide by all applicable laws and to this Agreement. PLEASE READ THIS AGREEMENT CAREFULLY AND SAVE IT. IF YOU DO NOT AGREE WITH IT, YOU SHOULD LEAVE THE WEBSITE AND DISCONTINUE USE OF THE MOBILE APP AND/OR SERVICES IMMEDIATELY. IF YOU WISH TO USE OF THE SERVICES, YOU MUST READ THIS AGREEMENT. This Agreement is entered into for the benefit of Finstro and its affiliated companies who may each enforce against you. In order to participate in certain other services provided through the Website and/or Mobile App, you will be notified that you are required to agree to additional terms and conditions.
Finstro may modify this Agreement from time to time in its sole discretion and such modification shall be effective upon posting on the Website. You agree to be bound to any changes to this Agreement when you use the Services after any such modification is posted. It is therefore important that you review this Agreement regularly upon each use of the Services to ensure you are updated as to any changes.
Privacy
We are committed to protecting your privacy. Your submission of information, including personal information, through or in connection with the Finstro Website or Mobile App is governed by the terms of our privacy policy and for California Residents, our CCPA Disclosure, as they are updated from time to time, available at www.finstro.com (collectively our “Privacy Policy”).
Eligibility
By using the Services, you represent and warrant that (a) all application information you submit is truthful and accurate; (b) you will maintain the accuracy of such information; (c) you are 18 years of age or older; and (d) your use of the Services does not violate any applicable law or regulation. Use of the Services is void where prohibited.
Third Party Content
The Finstro Website or Mobile App may contain links to the websites of third party providers of goods and services (Third Party websites). If you have accessed Third Party websites through our website or mobile app, and if those third parties collect information about you, we may also collect or have access to that information as part of our arrangements with those third parties.
Cookies
We use ‘cookies’ to provide you with better and more customized service and with a more effective website. A ‘cookie’ is a small text file placed on your computer by our web page server. A cookie can later be retrieved by our webpage servers. Cookies are frequently used on websites and you can choose if and how a cookie will be accepted by configuring your preferences and options in your internet browser.
We use cookies for different purposes such as:
- to allocate a unique number to your internet browsers;
- to customize our website for you;
- for statistical purposes;
- to identify if you have accessed a Third Party website; and
- for security purposes.
IP addresses
Your IP address is the identifier for your computer when you are using the internet. It may be necessary for us to collect your IP address for your interaction with various parts of our website.
Online applications
When you send a completed online application to us, we retain the information contained in that application. We are able to then use that information to provide any financial services that you require.
You can also suspend and save online applications, so you can complete and send the applications at a later time. If you suspend or save your application, the information that you have entered will be retained in our systems so that you may recover the information when you resume your application. Online applications that have been suspended or saved may be viewed by us.
Intellectual Property and License Restrictions
All intellectual property rights in and to the Website and Mobile App belong to Finstro or our licensors, the rights granted herein are licensed (not sold) to you, and you have no rights in, or to, Website and Mobile App or its content other than the right to use the App in accordance with these Terms of Use.
Except as expressly provided in these Terms of Use, and unless prohibited by applicable law, you agree not to (a) copy, reproduce, republish, reuse, upload, post, transmit or distribute any content presented in or provided by the Website or Mobile App, including without limitation for public or commercial purposes, including any text, images, audio and video; (b) not to rent, lease, sub-license, loan, distribute, time-share, or translate the Website or Mobile App in any way; (c) not to make alterations to, or modifications of, the whole or any part of the Website or Mobile App, or permit the Website or Mobile App or any part of it to be combined with, or become incorporated in, any other programs; (d) not to disassemble, decompile, reverse-engineer or create derivative works based on the whole or any part of the Website or Mobile App;(e) not to sell, resell, or exploit the Website or Mobile App in whole or in part (including object and source code), in any form to any person without prior written consent from us; and (f) you represent and warrant that you are not located in a country that is subject to a U.S Government embargo, or that has been designated by the U.S. Government as a “terrorist supporting” country; and that you are not listed on any U.S. Government list of prohibited or restricted parties.
All trademarks, service marks, trade names, and logos are proprietary to Finstro or used by Finstro with the permission of its third-party providers. Nothing contained on the Website or Mobile App should be construed as granting, by implication, estoppel, or otherwise, any license or right to use any trademark displayed on the Website or Mobile App without the written permission of Finstro. Your use of the trademarks displayed on the Website or Mobile App, or any other content on the Website or Mobile App, except as provided herein, is strictly prohibited. You acknowledge that you have no right to have access to the Website or Mobile App in source code form.
Security of information
The security of your information is very important to us. Finstro regularly reviews developments in security and encryption technologies. Unfortunately, no data transmission over the internet can be guaranteed as totally secure. We take all reasonable steps to protect the information in our systems from misuse, interference, loss, and any unauthorized access, modification or disclosure.
If we no longer require your information, and we are legally permitted to, we will take all reasonable steps to destroy or de-identify the information. We take reasonable steps to preserve the security of cookie and personal information in accordance with this policy. If your browser is suitably configured, it will advise you whether the information you are sending us will be secure (encrypted) or not secure (unencrypted).
Disclaimer Of Warranties
BY USING THE WEBSITE AND MOBILE APP, YOU ASSUME ALL RESPONSIBILITY AND RISK FOR THE USE OF WEBSITE AND MOBILE APP AND THE INTERNET GENERALLY. THE WEBSITE AND MOBILE APP ARE PROVIDED “AS IS” AND “AS AVAILABLE” WITHOUT ANY EXPRESS OR IMPLIED WARRANTY OF ANY KIND, INCLUDING, WITHOUT LIMITATION, WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT OF INTELLECTUAL PROPERTY, AND FREEDOM FROM ERRORS, VIRUSES, BUGS, OR OTHER HARMFUL COMPONENTS. YOU USE THE SERVICES OR ANY RELATED THIRD-PARTY SERVICES AT YOUR OWN RISK.
SOME JURISDICTIONS DO NOT ALLOW LIMITATIONS ON IMPLIED WARRANTY, SO THE LIMITATIONS AND EXCLUSIONS IN THIS SECTION MAY NOT APPLY TO YOU. TO THE EXTENT ALLOWED BY APPLICABLE LAW, YOU AGREE AND ACKNOWLEDGE THAT THE LIMITATIONS AND EXCLUSIONS OF LIABILITY AND WARRANTY PROVIDED IN THESE TERMS OF USE ARE FAIR AND REASONABLE.
Limitation Of Liability
You agree that your use of the Website and Mobile App and/or any Third Party websites at your own risk. You further understand and agree that we are not responsible or liable for your illegal, unauthorized, or improper use of information transmitted, monitored, stored or received using the Website and Mobile App. To the fullest extent permitted under applicable law, in no event shall we be liable to you personally for any loss, injury or damages (including but not limited to any special, indirect, consequential or punitive damages, lost profits, lost revenues or other incidental damages) arising out of the use, inability to use, or the results of use of the Website and Mobile App.
Indemnity
To the extent permitted by applicable law, you agree to indemnify Finstro for any claims, actions, demands, losses, liabilities, damages, costs and expenses (including legal expenses and other costs, such as attorneys’ fees) reasonably incurred by us that arise out of (a) your use of the Website and/or Mobile App; (b) your violation of any term of this Agreement; (c) your violation of any third party right, including without limitation any copyright, property, or privacy right; or (d) your violation of any other terms applicable to your use of any additional services offered to you through the Website or Mobile App. This defense and indemnification obligation will survive this Agreement and your use of the Website and Mobile App. We reserve the right to assume the exclusive defense and control of any claim brought by a third party in connection with your use of the Finstro Website and/or Mobile App and you agree to assist and co-operate with us in relation to any such claim.
Termination
You agree that these Terms of Use remain in effect for as long as you subscribe to, renew or use the Website or Mobile App. Finstro may change, suspend or discontinue any or all of the Services for any reason, at any time, including the availability of any products or services included within the Services. Finstro may also impose limits on all or any of the Services or restrict your access to parts or all of the Services without notice or liability. Finstro may include commercial opportunities or content in any Finstro product, services, image or webpage.
Events Beyond Control
Finstro shall not be liable for interruptions, delays, failures to perform, damages, losses or destruction, or malfunction of any equipment, or any consequence thereof caused or occasioned by events beyond our reasonable control, including any failure of public or private telecommunications networks. The provisions of this paragraph are in addition to, and not intended to limit or modify, the limitation of Limitation of Liability section as stipulated above.
Assignment
These Terms of Use, and any rights and licenses granted hereunder, may not be transferred or assigned by you, but may be assigned by Finstro without restriction or limitations.
General
These Terms of Use are governed by and construed under the laws of the State of Colorado and you agree to submit to the non-exclusive jurisdiction of the courts of that place. If any provision of these Terms of Use is deemed invalid by a court of competent jurisdiction, the invalidity of such provision shall not affect the validity of the remaining provisions of these Terms of Use, which shall remain in full force and effect. No waiver of any term of this these Terms of Use shall be deemed a further or continuing waiver of such term or any other term, and Finstro’s failure to assert any right or provision under these Terms of Use shall not constitute a waiver of such right or provision.
Contact Us
Finstro US Inc
Suite 2100
1660 Lincoln Street
Denver, CO 80264
You may also contact us on the web: www.finstro.com
E-sign Consent Disclosure
Disclosure
In order to electronically review and retrieve the documents related to your account(s) with Finstro and delivered to you in connection with this request for consent (Documents), you will first need to review and accept this consent form.
With your consent, Finstro can deliver the Documents and other disclosures and contracts related to your account(s) to you by displaying or delivering them electronically, and requesting that you print or download them and retain them for your records. If you do not consent to receive documents electronically, or withdraw our consent, you may be charged fees for paper notices, as described in the Finstro Terms and Conditions.
This notice contains important information that you are entitled to receive before you consent to electronic records and electronic signatures in connection with your account(s) at Finstro. Please read this notice carefully and print or download a copy for your files.
After you have read this information, if you agree to receive and accept the Documents from Finstro electronically, and if you agree to general use of electronic records and electronic signatures in connection with your account(s) at Finstro, please acknowledge your acceptance of this Consent by checking the box before you are able to continue with your application. In doing so, you are providing your affirmative consent to use electronic Communications. By checking the box, you are also confirming that you meet the system requirements described below, that you have demonstrated your ability to receive, retain, and view electronic documents on your access device, and that you have a current email address.
You have the right to change back to non-electronic delivery of statements. We do not offer a non-electronic delivery of statements. If you choose this option, you agree that your account(s) will be closed, and existing balance(s) will be returned to you.
You agree to print out or download the Documents when we advise you to do so and keep them for your records. If you have any trouble printing or downloading any of the Documents, you may contact us by telephone at 1 888 346 7876; by email at inquiry@finstro.com
If you wish to change your notification email address, you may do so within the mobile app, by logging in to your account through our website, by telephone at 1 888 346 7876; by email at inquiry@finstro.com
In order to access the Documents electronically, you must have:
A computer or mobile device with an internet connection.
We support personal computers, Android and current IOS platforms for both phone and tablets; and Internet Explorer, Microsoft Edge, Safari, Chrome browsers.
The ability to view and retain Portable Document Format (PDF) files
An email address
Either a printer, hard drive or other storage device
You represent that you have the hardware, software, email address and capacities described above, and your ability to read this Consent demonstrates that you have the necessary hardware and software to receive Communications electronically.
Your consent does not mean that Finstro must provide all Documents related to your account(s) electronically. Finstro, at its option, may deliver documents or otherwise communicate with you on paper if it chooses to do so. Finstro may also require that certain communications from you be delivered to Finstro on paper at a specific address.
I have read the information about the use of electronic records, disclosures, notices, and email, and consent to use of electronic records for the delivery of documents, including disclosures and other notices, in connection with my account(s) at Finstro. I have been able to view this information using my computer and software. I have an account with an Internet Service Provider, and I am able to send email and receive emails with hyperlinks to websites and attached files. I also consent to the use of electronic records and electronic signatures in connection with my account(s) at Finstro in place of written documents and handwritten signatures.
IMPORTANT: PLEASE PRINT AND RETAIN THIS CONSENT AND AUTHORIZATION
Acceptable Use Policy
Introduction
An acceptable use policy, is a set of rules applied by the Finstro, (creator / administrator of the Finstro Trade Platform), that restrict the ways in which the platform may be used and sets guidelines as to how it should be used.
The Finstro acceptable use policy is an integral part of the framework of information security policies employed by Finstro.These Terms of Use apply to the Finstro website (the “Website”) and the Finstro mobile application (the “Mobile App”), which is operated on behalf of Finstro US, Inc. (“Finstro”, “we”, “us” or “our”). By downloading, installing, accessing, browsing or using the Website or Mobile App (the “Services”), you accept and agree to both these terms and conditions (“Terms of Use” or “Agreement”) and the terms and conditions of the Finstro Privacy Policy, which is published via a link on the Website, and which is incorporated herein by reference. In addition to all other agreements that may be provided to you, these Terms of Use set forth the legally binding terms for your use of the Services and they shall apply to all users of the Website and Mobile App. By continuing to use the Services, you agree to be bound by this Agreement. You are only authorized to use the Services (regardless of whether your access or use is intended) if you agree to abide by all applicable laws and to this Agreement. PLEASE READ THIS AGREEMENT CAREFULLY AND SAVE IT. IF YOU DO NOT AGREE WITH IT, YOU SHOULD LEAVE THE WEBSITE AND DISCONTINUE USE OF THE MOBILE APP AND/OR SERVICES IMMEDIATELY. IF YOU WISH TO USE OF THE SERVICES, YOU MUST READ THIS AGREEMENT. This Agreement is entered into for the benefit of Finstro and its affiliated companies who may each enforce against you. In order to participate in certain other services provided through the Website and/or Mobile App, you will be notified that you are required to agree to additional terms and conditions.
Purpose
This Acceptable Use Policy (“AUP”) governs use of all information and communication technology, systems, hardware, software, applications, networks, website, web portal, APIs, platform, facilities and services provided or made available by Finstro or its direct or indirect affiliates from time to time, including but not limited to any Finstro Portal and the Finstro API (together, “Finstro Services”).
This AUP applies to each person who uses any Finstro Services directly or indirectly, including without limitation legal entities or individuals doing business with Finstro or otherwise receiving Finstro Services (“Customers”), and any members of personnel or third parties permitted by a Customer to use or access the Finstro Services (“Users”). Customers are required to inform Users of this AUP. Customers and Users are referred to in this AUP as “You”.
Scope and exemptions
The scope of this policy includes all Customers of the Finstro Trade Platform. This policy also applies to other individuals working on Finstro’s behalf including contractors.
The AUP is not exhaustive and Finstro reserves the right to modify or update the AUP at any time by uploading a revised version to its Finstro Portals and the Finstro Website from time to time. You are expected to check the relevant Finstro Portal and the Finstro Website from time to time to take notice of any changes to this AUP, as they are legally binding on You.
Please note that any breach of the AUP may be result in any of the consequences set out in “Consequences of Breach” of this AUP.
Contractual Effect
By connecting to, using or otherwise accessing any Finstro Services (and receiving the benefit thereof), You are deemed to accept the terms of this AUP and agree to use the Finstro Services at all times strictly in accordance with this AUP.
This AUP forms part of each legally binding contract entered into between Finstro and a Customer from time to time (each a “Finstro Contract”).
If there is any conflict or inconsistency between any part of this AUP and any other part of a Finstro Contract, the latter shall take priority and prevail unless Finstro specifies otherwise in its sole discretion.
Unacceptable Uses
For any illegal purpose;
To publish, post, share, copy, store, back-up or distribute:
Any illegal files or data, including infringing, offensive, obscene, threatening, libellous, or otherwise unlawful or tortious material;
Any material protected by the intellectual property rights of a third party (unless You have the necessary rights to such material); or
Material that contains malware, including but not limited to viruses, worms, time bombs, Trojan horses and other harmful or malicious code, files, scripts, agents or any other similar software that may damage the operation of the Finstro Services or another person’s device or property;
To copy, disclose, reproduce or use the confidential information of Finstro or any third party without permission or otherwise in breach of Your legal obligations to Finstro or any third party;
To misrepresent or impersonate a person or attempt to gain access to or illegally track any other person, Customer, User, account, data, hardware, software, system or network related to the Finstro Services;
To distribute unwanted, unsolicited or harassing messages, promotions, advertising, or solicitations;
For any purpose or activity that harms or disrupts the operation or performance of the Finstro Services or Finstro’s Customers, Users, business or operations from time to time;
In any manner not permitted by Finstro;
In a manner that results in excessive bandwidth usage, as determined by Finstro;
To attack, abuse, interfere with, surreptitiously intercept, or disrupt any part of the Finstro Services (including but not limited to denial of service, unauthorised monitoring or crawling), or otherwise tamper with the security of the Finstro Services or any Customer, User, account, data, hardware, software, system or network related to the Finstro Services;
(whether direct or indirect) to reverse engineer, decompile, disassemble, modify, reproduce or create derivative works of any part of the Finstro Services; or
For any other activity or purpose that Finstro deems to be harmful or detrimental to its Customers, Users, business, operations or reputation; or
(the foregoing together the “Unacceptable Uses”).
Security
It is your responsibility to maintain the security of the systems you use to connect to the Finstro Services.
You must ensure that all Users keep any username and password they use to access the Finstro Services secure at all times. Users may be required to change their passwords from time to time.
You shall notify us promptly should you become aware of, or reasonably suspect any unauthorised use of or access to the Finstro Services or unauthorised disclosure of any username or password.a
Criteria for Content
All data that You enter or upload to any part of the Finstro Services must:
be true and accurate and corrected as soon as possible if You become aware that it is not true or accurate; and
comply with all applicable laws.
Monitoring Systems
To the extent permitted by applicable law, Finstro reserves the right (but does not assume any obligation) to monitor usage of the Finstro Services and intercept data from the Finstro Services for its legitimate purposes, including without limitation to monitor compliance with this AUP, to check that account details are correct, to track payments, transactions, and the account balance position of its Customers, to prevent and detect money laundering, fraud, breach of sanctions and other crimes.
Consequences of Breach
Failure to comply with this AUP constitutes a material breach of the Finstro Contract to which You (or the Customer with which You are associated) are party.
Any breach of this AUP at any time may result in Finstro taking any and all actions in its sole discretion, including with immediate effect based on our reasonable judgment, including without limitation to:
issue a warning;
suspend or terminate access to all or part of the Finstro Services;
terminate all or part of the applicable Finstro Contract;
initiate legal proceedings against You for reimbursement of all costs resulting from the breach;
take further legal action against You; and/or
disclose such information to any law enforcement or regulatory authorities as Finstro considers to be necessary or appropriate.
To the extent permitted by law, Finstro excludes and disclaims all liability for actions taken in response to breaches of this AUP. The responses described in this AUP are not limited, and Finstro may take any other action it reasonably deems appropriate.
Error Resolution Disclosure Notice
IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR ELECTRONIC TRANSFERS
What To Do If You Think You Find A Mistake On Your Statement
If you think there is an error on your statement, write to us at:
Finstro US Inc
Suite 2100
1660 Lincoln Street
Denver, CO 80264
You may also contact us on the web: www.finstro.com
In your letter, please provide us with the following information:
Account information: Your name and account number.
Dollar amount: The dollar amount of the suspected error.
Description of Problem: If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mistake.
You must contact us within 60 days after the error appeared on your statement.
You must notify us of any potential errors in writing. You may call us, but if you do, we are not required to investigate any potential errors and you may have to pay the amount in question.
While we investigate whether or not there has been an error, the following are true:
We cannot try to collect the amount in question or report you as delinquent on that amount.
The charge in question may remain on your statement, and we may continue to charge you interest on that amount. But, if we determine that we made a mistake, you will not have to pay the amount in question, or any interest or other fees related to that amount.
While you do not have to pay the amount in question, you are responsible for the remainder of your balance.
We can apply any unpaid amount against your credit limit if you tell us orally, we may require that you send us your complaint or question in writing within 10 business days.
Website Privacy Policy
Finstro Website, Web Portals & Finstro Mobile App – Terms of Use
About this Website Policy
This website policy applies to this website, which is operated on behalf of Finstro Holdings Pty Limited ACN: 605 121 364 and Finstro US Inc. plus its related bodies corporate (we, us and our).
We are committed to protecting your privacy.
This policy explains how your personal information will be treated as you access and interact with this website.
Our website privacy policy may change from time to time.
Collection and use of information
We may collect personal information from you directly or via your use of our services. We will only collect personal information which is reasonably necessary for, or directly related to, our functions or activities.
Sensitive information
Sensitive information is any information about a person’s racial or ethnic origin, political opinion, membership of a political association, religious beliefs or affiliations, philosophical beliefs, membership of a professional or trade association, membership of a trade union, sexual preferences or practices, criminal record or health information.
We will not ask you to disclose sensitive information, but if you elect to provide sensitive information, it will also be captured and stored.
Information from third parties
Our website may contain links to the websites of third party providers of goods and services (Third Party websites). If you have accessed Third Party websites through our website, and if those third parties collect information about you, we may also collect or have access to that information as part of our arrangements with those third parties.
Where you access a Third Party website from our website, cookie information, information about your preferences or other information you have provided about yourself may be shared between us and the third party.
Advertising and tracking
When you view our advertisements on a Third Party website, the advertising company may use ‘cookies’ and in some cases ‘web beacons’ to collect information such as:
the server your computer is logged onto;
your browser type;
the date and time of your visit; and
the performance of their marketing efforts.
When you access our website after viewing one of our advertisements on a Third Party website, the advertising company collects information on how you utilise our website (eg which pages you view) and whether you complete an online application.
Cookies
We use ‘cookies’ to provide you with better and more customised service and with a more effective website.
A ‘cookie’ is a small text file placed on your computer by our web page server. A cookie can later be retrieved by our webpage servers. Cookies are frequently used on websites and you can choose if and how a cookie will be accepted by configuring your preferences and options in your internet browser.
We use cookies for different purposes such as:
to allocate a unique number to your internet browsers;
to customise our website for you;
for statistical purposes;
to identify if you have accessed a Third Party website; and
for security purposes.
IP addresses
Your IP address is the identifier for your computer when you are using the internet.
It may be necessary for us to collect your IP address for your interaction with various parts of our website.
Online applications
When you send a completed online application to us, we retain the information contained in that application. We are able to then use that information to provide any financial services that you require.
You can also suspend and save online applications, so you can complete and send the applications at a later time. If you suspend or save your application, the information that you have entered will be retained in our systems so that you may recover the information when you resume your application. Online applications that have been suspended or saved may be viewed by us.
Security of information
The security of your information is very important to us.
We regularly review developments in security and encryption technologies. Unfortunately, no data transmission over the internet can be guaranteed as totally secure.
We take all reasonable steps to protect the information in our systems from misuse, interference, loss, and any unauthorised access, modification or disclosure.
If we no longer require your information, and we are legally permitted to, we will take all reasonable steps to destroy or de-identify the information.
We take reasonable steps to preserve the security of cookie and personal information in accordance with this policy. If your browser is suitably configured, it will advise you whether the information you are sending us will be secure (encrypted) or not secure (unencrypted).
Direct marketing
We will not use or disclose sensitive information about you for direct marketing purposes unless you have consented to that kind of use or disclosure.
We may use your personal information for direct marketing purposes. If you do not wish to receive direct marketing communications from us or from other organisations, or wish to know the source of the information being used, you can contact us at any time (see Contacting Us below). We will respond to your request as soon as practicable.
Disclosure to overseas entities
We will not use or disclose sensitive information about you for direct marketing purposes unless you have consented to that kind of use or disclosure.
We may use your personal information for direct marketing purposes. If you do not wish to receive direct marketing communications from us or from other organisations, or wish to know the source of the information being used, you can contact us at any time (see Contacting Us below). We will respond to your request as soon as practicable.
Contacting Us
Finstro US Inc
Suite 2100
1660 Lincoln Street
Denver, CO 80264
You may also contact us on the web: www.finstro.com
Privacy Notice
FACTS | WHAT DOES FINSTRO 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 and share depend on the product or service you have with us. This information can include:
|
How? | All financial companies need to share members’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their members’ personal information; the reasons Finstro chooses to share; and whether you can limit this sharing. |
Reasons we can share your personal information. | Does Finstro Share? | Can you limit sharing? |
|---|---|---|
For our everyday business purposesSuch as assessing your application for finance and managing that finance; establishing your identity; processing your transactions, maintaining your account(s), responding to court orders and legal investigations, and as needed for audits, compliance, and corporate governance or reporting to credit bureaus. | Yes | No |
For our marketing purposesSuch as direct marketing and managing our relationship with you. From time to time, we may offer you other products and services. | Yes | Yes |
For joint marketing with other financial companies | No | We do not share. |
For our affiliates’ everyday business purposesInformation about your transactions and experiences to let you know about, and develop, products and services from across Finstro that may better serve your financial, business and lifestyle needs, or to notify you of promotions or other opportunities in which you may be of interest to you. | Yes | Yes |
For our affiliates’ everyday business purposesInformation about your creditworthiness | Yes | Yes |
For nonaffiliates to market to youInformation about your transactions and experiences to let you know about, and develop, products and services from any company with whom we are associated that may better serve your financial, business and lifestyle needs, or to notify you of promotions or other opportunities in which you may be of interest to you. | Yes | Yes |
To limit our sharing | You can see, change or fix information you gave us, or tell us to stop marketing to you by opting out. If you live in California, you have additional rights, which are described in our California Consumer Privacy Act Disclosure
Please note: When you are no longer our customer, we continue to share your information as described in this notice. |
Questions? | Please contact 888 346 7876 or go to https://finstro.com/ or email at inquiry@finstro.com |
Who we are | |
|---|---|
Who is providing this notice? | Finstro US, Inc. |
What we do | |
|---|---|
How does Finstro 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. Our privacy policy serves as a standard for all Finstro employees for collection, use, retention and security of individual customer information. |
How does Finstro collect my personal information? | We may collect information about you directly from you or from third parties such as our service providers, marketing and business partners, and financial institutions. We collect your personal information, for example, when you:
When you use our website or mobile applications, we may collect information about your location or activity including IP address, telephone number and whether you have accessed third party sites, the date and time of visits, the pages that are viewed, information about the device used and other user location information. We also collect your personal information from others, such as credit bureaus, affiliates, or other companies for any credit investigation, credit eligibility, identity or account verification process, fraud detection process, or collection procedure, or as may otherwise be required by applicable law. This includes, without limitation, the receipt and exchange of account or credit-related information with any credit reporting agency or credit bureau, where lawful, and any person or corporation with whom you have had, currently have, or may have a financial relationship, including without limitation past, present, and future places of employment, financial institutions, and personal reporting agencies. |
Why can’t I limit all sharing? | Federal law gives you the right to limit only
State laws and individual companies may give you additional rights to limit sharing. |
How can I revoke my consent? | Contact us at inquiry@finstro.com to revoke your consent and close your account. |
Definitions | |
|---|---|
Affiliates | Companies related by common ownership or control. These include:
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Nonaffiliates | Companies not related by common ownership or control. They can be financial and non-financial companies.
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Joint Marketing | A formal agreement between nonaffiliated financial companies that together market financial products or services to you.
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Children’s Privacy | Finstro services are not directed to, nor intended for, children under the age of 16. |
Updates to this Privacy Notice | This Privacy Notice may be updated periodically to reflect changes in our privacy practices. |
California Consumer Privacy Act (CCPA) Disclosure
CCPA Disclosure
Finstro is committed to maintaining the security of the personal information of our customers. We are providing this CCPA disclosure to explain how we collect, use, and disclose personal information about California residents. If you are a California resident, you may have certain rights under the CCPA (Cal. Civil Code §1798.100 et seq.) regarding your personal information. This disclosure explains how California residents can exercise their rights under the CCPA to request that we: 1) provide certain personal information that we have collected during the past 12 months; or 2) delete certain personal information that we have collected.
Under the CCPA, “personal information” (hereinafter “PI”) is information that identifies, relates to, or could reasonably be linked with a California resident or household.
Collection and Disclosure of Information
We may collect and disclose to third parties for our business purposes, the following categories of PI relating to California residents covered by this disclosure:
Categories of PI We collect
The types of personal information we collect and share depend on the product or service you have with us. This information can include:
Social security number and income
Contact details (e.g., address, phone number, email address)
Identification Information (e.g., Passport number, driver’s license number, Taxpayer Identification number or other government-issued identification number)
Tax Information (e.g., withholding allowances and tax filing status)
Account balances and payment history
Credit history and credit scores
Information about your use of our products and services
Other information that you voluntarily provide to us (e.g., prospective marketing forms, referrals or other actions you perform as part of the services).
Sources from which we obtain information
We may collect information about you directly from you or from third parties such as our service providers, marketing and business partners, and financial institutions. We collect your personal information, for example, when you make a request to receive information about Finstro or our services, apply for or open an account, provide account information, or make deposits or withdrawals from your account.
When you use our website or mobile applications, we may collect information about your location or activity including IP address, telephone number and whether you have accessed third party sites, the date and time of visits, the pages that are viewed, information about the device used and other user location information.
We also collect your personal information from others, such as credit bureaus, affiliates, or other companies for any credit investigation, credit eligibility, identity or account verification process, fraud detection process, or collection procedure, or as may otherwise be required by applicable law. This includes, without limitation, the receipt and exchange of account or credit-related information with any credit reporting agency or credit bureau, where lawful, and any person or corporation with whom you have had, currently have, or may have a financial relationship, including without limitation past, present, and future places of employment, financial institutions, and personal reporting agencies.
Our Business or Commercial Purpose for Collecting the PI
We may collect, use, hold and disclose PI and credit-related information about you for the purposes of processing your application for credit, arranging or providing credit to you, assessing whether to accept a guarantee of credit from you, managing that credit, establishing your identity, identifying and investigating any fraud or other illegal activities (or any suspected fraud or other illegal activities), direct marketing of products and services by us, complying with laws, managing our relationship with you, and allowing us to perform administrative tasks.
Sale of Personal Information
We do not sell PI including PI of minors under the age of 16. For purposes of this disclosure, “sell” means the disclosure of PI subject to see CCPA to a third party for monetary or other valuable consideration.
Your Rights under the CCPA
If you are a California resident, you have the right to:
Know and have access to the below categories of PI we collect, use, and disclose free of charge;
The specific pieces of PI that a business has about you;
The categories of PI it has collected about you;
The categories of sources from which the PI is collected about you;
The categories of PI that we have sold or disclosed for business purposes about you;
The categories of third parties to whom the PI was sold or disclosed for a business purpose about you; and
The business or commercial purpose for collecting or selling PI
Request deletion of PI that we have collected or maintained (unless exempted by the CCPA, federal or state law), and
Not receive discriminatory treatment by us for exercising your privacy rights conferred by the CCPA
You may submit a verifiable request for information from you or from an authorized agent that you have designated under the CCPA on your behalf. Your request is deemed verifiable when we are able to verify your identity or verify that you have the authority to make the request on behalf of another individual. If you submit a request on behalf of another person, we may require proof of authorization and verification of identity directly from the person for whom you are submitting the request. We reserve the right to verify the legitimacy of all requests using any information you have given us or any transaction information we have.
We are prevented from providing Social Security numbers, driver’s license or other government issued identification number, financial account numbers, health insurance or medical identification number (if we have it), account passwords or security questions and answers, or any specific pieces of information if the disclosure presents the possibility of unauthorized access that could result in identity theft, fraud, or unreasonable risk to our system security.
How to Exercise Your Rights
If you are a California resident, you may submit a verifiable request by:
E-mailing: inquiry@finstro.com or
Contacting us at: +1 888 346 7876
Questions or Concerns
For questions or concerns:
Contact us at: +1 888 346 7876
Visit us online at: https://finstro.com/
Changes to this CCPA Disclosure
We may make changes or update this disclosure from time to time. When we do, we will post the revised disclosure on this page.
Patriot Act Disclosure
USA PATRIOT Act Notice
IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT
To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account.
What this means for you: When you open an account, we will ask for your name, address, date of birth, Driver's license or other identifying document and other information that will allow us to identify you.
