Date of last revision: June 18, 2021

Please email us to report any violations of these Developer Terms or to pose any questions regarding these Developer Terms or the Services.

Date of last revision: February 16, 2021

Conditions of Use

User Conduct: The following are examples of the kind of information, data or other materials (“Content”) and/or use that is illegal or prohibited by Teller. Teller reserves the right to investigate and take appropriate legal action against anyone who, in Teller’s sole discretion, violates this provision, including without limitation, suspending or terminating the account or Services of such violators and reporting you to the law enforcement authorities. You must not:

• use or access anyone else’s Financial Accounts or related data;
• impersonate any person or entity, or falsely state or otherwise misrepresent your affiliation with a person or entity;
• submit information about anyone else’s identity or Financial Accounts or that violates anythird-party rights;
• upload any content that (i) infringes any intellectual property or other proprietary rights of any party; (ii) you do not have a right to upload under any law or under contractual or fiduciary relationships; (iii) contains software viruses or any other computer code, files or programs designed to interrupt, destroy or limit the functionality of any computer software or hardware or telecommunications equipment; or (iv) poses or creates a privacy or security risk to any person;
• violate any applicable local, state, national or international law, or any regulations having the force of law;
• interfere with or disrupt the Services or servers or networks connected to the Services, or disobey any requirements, procedures, policies or regulations of networks connected to the Services; or
• obtain or attempt to access or otherwise obtain any materials or information through any means not intentionally made available or provided for through the Services.

Special Notice for International Use; Export Controls: Software (defined below) available in connection with the Services and the transmission of applicable data, if any, is subject to United States export controls. No Software may be downloaded from the Services or otherwise exported or re-exported in violation of U.S. export laws. Downloading or using the Software is at your sole risk. Recognizing the global nature of the Internet, you agree to comply with all local rules and laws regarding your use of the Services, including as it concerns online conduct.

Commercial Use: Unless otherwise expressly authorized herein or in the Services, you agree not to display, distribute, license, perform, publish, reproduce, duplicate, copy, create derivative works from, modify, sell, resell, exploit, transfer or upload for any commercial purposes, any portion of the Services, use of the Services, or access to the Services.

Transmission: You acknowledge that Teller is a non-custodial service provider, and Teller is not a financial institution or money transmitter. Teller’s technology enables you to connect data from your Financial Accounts to third-party Apps. Any transaction resulting from such connection will be solely among you, the financial institution holding your Financial Accounts, the Apps and any third parties you do business with.  You understand that Teller is not a party to such transaction, does not control or transmit any asset involved in the transaction, and is not liable to any party (including you) in connection with the transaction or any party’s performance thereof.

Intellectual Property Rights

Services Content, Software and Trademarks: You acknowledge and agree that the Services may contain content or features (“Services Content”) that are protected by copyright, patent, trademark, trade secret or other proprietary rights and laws. Except as expressly authorized by Teller, you agree not to modify, copy, frame, scrape, rent, lease, loan, sell, distribute or create derivative works based on the Services or the Services Content, in whole or in part, except that the foregoing does not apply to your own User Content (as defined below) that you legally upload to the Services. In connection with your use of the Services you will not engage in or use any data mining, robots, scraping or similar data gathering or extraction methods. If you are blocked by Teller from accessing the Services (including by blocking your IP address), you agree not to implement any measures to circumvent such blocking (e.g., by masking your IP address or using a proxy IP address). Any use of the Services or the Services Content other than as specifically authorized herein is strictly prohibited. The technology and software underlying the Services or distributed in connection there with are the property of Teller, our affiliates and our partners (the “Software”). You agree not to copy, modify, create a derivative work of, reverse engineer, reverse assemble or otherwise attempt to discover any source code, sell, assign, sublicense, or otherwise transfer any right in the Software. Any rights not expressly granted herein are reserved by Teller.

The Teller name and logos are trademarks and service marks of Teller (collectively the “Teller Trademarks”). Other company, product, and service names and logos used and displayed via the Services may be trademarks or service marks of their respective owners who may or may not endorse or be affiliated with or connected to Teller. Nothing in this Terms of Service or the Services should be construed as granting, by implication, estoppel, or otherwise, any license or right to use any of Teller Trademarks displayed on the Services, without our prior written permission in each instance. All goodwill generated from the use of Teller Trademarks will inure to our exclusive benefit.

Access to Financial Accounts and Financial Data: By selecting a Financial Account to link to an App, you expressly authorize Teller to access and use the login credentials, account information, and financial data associated with that Financial Account (collectively “Financial Data”) on your behalf as your agent. Teller may use and store your Financial Data in accordance with these Terms of Service and our End User Privacy Policy. You hereby authorize and permit Teller to use and store your Financial Data to accomplish the foregoing and to configure the Services to be compatible with the Financial Accounts forwhich you submit your Financial Data. For purposes of these Terms of Service and solely to access and use the Financial Data to deliver the Services, you grant Teller a limited power of attorney, and appoint Teller as your attorney-in-fact and agent, to access the third party sites that maintain your Financial Accounts, retrieve and use your Financial Data with the full power and authority to do and perform each thing necessary in connection with such activities, as you could do in person, including without limitation creating log-in credentials for your Financial Account, logging in to your Financial Account, and accepting on your behalf any terms of service or other agreements necessary to access your Financial Account and retrieve your Financial Data. YOU ACKNOWLEDGE AND AGREE THAT WHEN TELLER IS ACCESSING YOUR FINANCIAL ACCOUNT AND RETRIEVING YOUR FINANCIAL DATA FROM THIRD PARTIES, TELLER IS ACTING AS YOUR AGENT, AND NOT AS THE AGENT OF OR ON BEHALF OF THE THIRD PARTY THAT MAINTAINS YOUR FINANCIAL ACCOUNT. You understand and agree that the Services are not sponsored or endorsed by any third parties accessible through the Services. Teller is not responsible and shall not be liable for (1) errors or inaccuracies in your Financial Data or (2) any inability to access your Financial Account.

Third Party Material: Under no circumstances will Teller be liable in any way for any content (including Financial Data) or materials of any third parties (including users), including, but not limited to, for any errors or omissions in any content, or for any loss or damage of any kind incurred as a result of the use of any such content. Without limiting the foregoing, Teller and its designees will have the right to remove any content that violates these Terms of Service. You agree that you must evaluate, and bear all risks associated with, the use of any content, including any reliance on the accuracy, completeness, or usefulness of such content.

User Content Transmitted Through the Services: With respect to the content or other materials you upload or submit through the Services, including your Financial Data (collectively, “User Content”), you represent and warrant that you own all right, title and interest in and to such User Content. By uploading any User Content you hereby grant and will grant Teller and its affiliated companies a nonexclusive, worldwide, royalty free, fully paid up, transferable, sublicensable, perpetual, irrevocable license to copy, display, upload, disclose, store, and otherwise use your User Content in connection with the operation of the Services in any form, medium or technology now known or later developed.

You acknowledge and agree that any questions, comments, suggestions, ideas, feedback or other information about the Services (“Submissions”), provided by you to Teller are non-confidential and Teller will be entitled to the unrestricted use and dissemination of these Submissions for any purpose, commercial or otherwise, without acknowledgment or compensation to you.

You acknowledge and agree that Teller may preserve content and may also disclose content if required to do so by law or in the good faith belief that such preservation or disclosure is reasonably necessary to: (a) comply with legal process, applicable laws or government requests; (b) enforce these Terms of Service; (c) respond to claims that any content violates the rights of third parties; or (d) protect the rights, property, or personal safety of Teller, its users and the public. You understand that the technical processing and transmission of the Services, including your content, may involve (a) transmissions over various networks; and (b) changes to conform and adapt to technical requirements of connecting networks or devices.

Third Party Websites

The Services may provide, or third parties may provide, links or other access to other sites, data, information and resources on the Internet. Teller has no control over such sites, data, information and resources and Teller is not responsible for and does not endorse such sites and resources. You further acknowledge and agree that Teller will not be responsible or liable, directly or indirectly, for any damageor loss caused or alleged to be caused by or in connection with use of or reliance on any content, goods or services available on or through any such site or resources, including any App or Financial Account. Your use of any App and Financial Account, and the App and Financial Account providers’ use of your data, is governed by separate terms between you and the applicable providers. Teller is not responsible for any Apps or Financial Accounts provided by third parties or the acts or omissions of any third-party providers, and does not guarantee that any Apps or Financial Accounts will remain available or compatible with the Services.

Indemnity and Release

You agree to release, indemnify and hold Teller and its affiliates and their officers, employees, directors and agents (collectively, “Indemnitees”) harmless from any from any and all losses, damages, expenses, including reasonable attorneys’ fees, rights, claims, actions of any kind and injury (including death) arising out of or relating to your use of the Services, any User Content, your connection to the Services, your violation of these Terms of Service or your violation of any rights of another. Notwithstanding the foregoing, you will have no obligation to indemnify or hold harmless any Indemnitee from or against any liability, losses, damages or expenses incurred as a result of any action or inaction of such Indemnitee. If you are a California resident, you waive California Civil Code Section 1542, which says: “A general release does not extend to claims that the creditor or releasing party does not know or suspect to exist in his or her favor at the time of executing the release and that, if known by him or her, would have materially affected his or her settlement with the debtor or released party.” If you are a resident of another jurisdiction, you waive any comparable statute or doctrine.

Trademark Notice and Disclaimer

ALL PRODUCT AND COMPANY NAMES ARE TRADEMARKS™ OR REGISTERED® TRADEMARKS OF THEIR RESPECTIVE HOLDERS. UNLESS EXPRESSLY IDENTIFIED AS SUCH, THEIR USAGE DOES NOT IMPLY ANY AFFILIATION WITH OR ENDORSEMENT BY THEIR HOLDERS.

Disclaimer of Warranties

YOUR USE OF THE SERVICES IS AT YOUR SOLE RISK. THE SERVICES ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS. TELLER EXPRESSLY DISCLAIMS ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED OR STATUTORY, INCLUDING, BUT NOT LIMITED TO THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE AND NON-INFRINGEMENT.

TELLER MAKES NO WARRANTY THAT (I) THE SERVICES WILL MEET YOUR REQUIREMENTS, (II) THE SERVICES WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE, (III) THE RESULTS THAT MAY BE OBTAINED FROM THE USE OF THE SERVICES WILL BE ACCURATE OR RELIABLE, OR (IV) THE QUALITY OF ANY PRODUCTS, SERVICES, INFORMATION, OR OTHER MATERIAL PURCHASED OR OBTAINED BY YOU THROUGH THE SERVICES WILL MEET YOUR EXPECTATIONS.

Limitation of Liability

YOU EXPRESSLY UNDERSTAND AND AGREE THAT TELLER WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY DAMAGES, OR DAMAGES FOR LOSS OF PROFITS INCLUDING BUT NOT LIMITED TO, DAMAGES FOR LOSS OF GOODWILL, USE, DATA OR OTHER INTANGIBLE LOSSES (EVEN IF TELLER HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES), WHETHER BASED ON CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY OR OTHERWISE, RESULTING FROM: (I) THE USE OR THE INABILITY TO USE THE SERVICES; (II) THE COST OF PROCUREMENT OF SUBSTITUTE GOODS AND SERVICES RESULTING FROM ANY GOODS, DATA, INFORMATION OR SERVICES PURCHASED OR OBTAINED OR MESSAGES RECEIVED OR TRANSACTIONS ENTERED INTO THROUGH OR FROM THE SERVICES; (III) UNAUTHORIZED ACCESS TO OR ALTERATION OF YOUR TRANSMISSIONS OR DATA; (IV) STATEMENTS OR CONDUCT OF ANY THIRD PARTY ON THE SERVICES; OR (V) ANY OTHER MATTER RELATING TO THE SERVICES. IN NO EVENT WILL TELLER’S TOTAL LIABILITY TO YOU FOR ALL DAMAGES, LOSSES OR CAUSES OF ACTION EXCEED THE AMOUNT YOU HAVE PAID TELLER IN THE LAST SIX (6) MONTHS, OR, IF GREATER, ONE HUNDRED DOLLARS ($100).

SOME JURISDICTIONS DO NOT ALLOW THE DISCLAIMER OR EXCLUSION OF CERTAINWARRANTIES OR THE LIMITATION OR EXCLUSION OF LIABILITY FOR INCIDENTAL OR CONSEQUENTIAL DAMAGES. ACCORDINGLY, SOME OF THE ABOVE LIMITATIONS SET FORTHABOVE MAY NOT APPLY TO YOU OR BE ENFORCEABLE WITH RESPECT TO YOU. IF YOU ARE DISSATISFIED WITH ANY PORTION OF THE SERVICES OR WITH THESE TERMS OF SERVICES, YOUR SOLE AND EXCLUSIVE REMEDY IS TO DISCONTINUE USE OF THE SERVICES.

IF YOU ARE A USER FROM NEW JERSEY, THE FOREGOING SECTIONS TITLED “DISCLAIMER OF WARRANTIES” AND “LIMITATION OF LIABILITY” ARE INTENDED TO BE ONLY AS BROAD AS IS PERMITTED UNDER THE LAWS OF THE STATE OF NEW JERSEY. IF ANY PORTION OF THE SESECTIONS IS HELD TO BE INVALID UNDER THE LAWS OF THE STATE OF NEW JERSEY, THE INVALIDITY OF SUCH PORTION SHALL NOT AFFECT THE VALIDITY OF THE REMAINING PORTIONS OF THE APPLICABLE SECTIONS.

Dispute Resolution By Binding Arbitration: PLEASE READ THIS SECTION CAREFULLY AS IT AFFECTS YOUR RIGHTS.

a. Agreement to Arbitrate

This Dispute Resolution by Binding Arbitration section is referred to in this Terms of Service as the “Arbitration Agreement.” You agree that any and all disputes or claims that have arisen or may arise between you and Teller, whether arising out of or relating to this Terms of Service (including any alleged breach thereof), the Services, any advertising, any aspect of the relationship or transactions between us, shall be resolved exclusively through final and binding arbitration, rather than a court, in accordance with the terms of this Arbitration Agreement, except that you may assert individual claims in small claims court, if your claims qualify. Further, this Arbitration Agreement does not preclude you from bringing issues to the attention of federal, state, or local agencies, and such agencies can, if the law allows, seek relief against us on your behalf. You agree that, by entering into this Terms of Service, you and Teller are each waiving the right to a trial by jury or to participate in a class action. Your rights will be determined by a neutral arbitrator, not a judge or jury. The Federal Arbitration Act governs the interpretation and enforcement of this Arbitration Agreement.

b. Prohibition of Class and Representative Actions and Non-Individualized Relief

YOU AND TELLER AGREE THAT EACH OF US MAY BRING CLAIMS AGAINST THE OTHER ONLY ON AN INDIVIDUAL BASIS AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS OR REPRESENTATIVE ACTION OR PROCEEDING. UNLESS BOTH YOU AND TELLER AGREE OTHERWISE, THE ARBITRATOR MAY NOT CONSOLIDATE OR JOIN MORE THAN ONE PERSON’S OR PARTY’S CLAIMS AND MAY NOT OTHERWISE PRESIDE OVER ANY FORM OF A CONSOLIDATED, REPRESENTATIVE, OR CLASS PROCEEDING. ALSO, THE ARBITRATOR MAY AWARD RELIEF (INCLUDING MONETARY, INJUNCTIVE, AND DECLARATORY RELIEF) ONLY INFAVOR OF THE INDIVIDUAL PARTY SEEKING RELIEF AND ONLY TO THE EXTENT NECESSARY TO PROVIDE RELIEF NECESSITATED BY THAT PARTY’S INDIVIDUAL CLAIM(S), EXCEPT THAT YOU MAY PURSUE A CLAIM FOR AND THE ARBITRATOR MAY AWARD PUBLIC INJUNCTIVE RELIEF UNDER APPLICABLE LAW TO THE EXTENT REQUIRED FOR THE ENFORCEABILITY OF THIS PROVISION.

c. Pre-Arbitration Dispute Resolution

Teller is always interested in resolving disputes amicably and efficiently, and most customer concerns can be resolved quickly and to the customer’s satisfaction by emailing customer support at legal-notices@teller.io. If such efforts prove unsuccessful, a party who intends to seek arbitration must first email the other a written Notice of Dispute (“Notice”). The Notice to Teller should be sent to legal-notices@teller.io (“Notice Address”). The Notice must (i) describe the nature and basis of the claim or dispute and (ii) set forth the specific relief sought. If Teller and you do not resolve the claim within sixty (60) calendar days after the Notice is received, you or Teller may commence an arbitration proceeding. During the arbitration, the amount of any settlement offer made by Teller or you shall not be disclosed to the arbitrator until after the arbitrator determines the amount, if any, to which you or Teller is entitled.

d. Arbitration Procedures

Arbitration will be conducted by a neutral arbitrator in accordance with the American Arbitration Association’s (“AAA”) rules and procedures, including the AAA’s Consumer Arbitration Rules (collectively, the “AAA Rules”), as modified by this Arbitration Agreement. For information on the AAA, please visit its website, http://www.adr.org. Information about the AAA Rules for consumer disputes can be found at https://www.adr.org/sites/default/files/Consumer_Rules_Web_1.pdf. If there is any inconsistency between any term of the AAA Rules and any term of this Arbitration Agreement, the applicable terms of this Arbitration Agreement will control unless the arbitrator determines that the application of the inconsistent Arbitration Agreement terms would not result in a fundamentally fair arbitration. The arbitrator must also follow the provisions of these Terms of Service as a court would. All issues are for the arbitrator to decide, including, but not limited to, issues relating to the scope, enforceability, and arbitrability of this Arbitration Agreement. Although arbitration proceedings are usually simpler and more streamlined than trials and other judicial proceedings, the arbitrator can award the same damages and relief on an individual basis that a court can award to an individual under the Terms of Service and applicable law. Decisions by the arbitrator are enforceable in court and may be overturned by a court only for very limited reasons.

Unless Teller and you agree otherwise, any arbitration hearings will take place in a reasonably convenient location for both parties with due consideration of their ability to travel and other pertinent circumstances. If the parties are unable to agree on a location, the determination shall be made by AAA. If your claim is for $10,000 or less, Teller agrees that you may choose whether the arbitration will be conducted solely on the basis of documents submitted to the arbitrator, through a telephonic hearing, or by an in-person hearing as established by the AAA Rules. If your claim exceeds $10,000, the right to a hearing will be determined by the AAA Rules. Regardless of the manner in which the arbitration is conducted, the arbitrator shall issue a reasoned written decision sufficient to explain the essential findings and conclusions on which the award is based.

e. Costs of Arbitration

Payment of all filing, administration, and arbitrator fees (collectively, the “Arbitration Fees”) will be governed by the AAA Rules, unless otherwise provided in this Arbitration Agreement. If the value of the relief sought is $75,000 or less, at your request, Teller will pay all Arbitration Fees. If the value of relief sought is more than $75,000 and you are able to demonstrate to the arbitrator that you are economically unable to pay your portion of the Arbitration Fees or if the arbitrator otherwise determines for any reason that you should not be required to pay your portion of the Arbitration Fees, Teller will pay your portion of such fees. In addition, if you demonstrate to the arbitrator that the costs of arbitration will be prohibitive as compared to the costs of litigation, Teller will pay as much of the Arbitration Fees as the arbitrator deems necessary to prevent the arbitration from being cost-prohibitive. Any payment of attorneys’ fees will be governed by the AAA Rules.

f. Confidentiality

All aspects of the arbitration proceeding, and any ruling, decision, or award by the arbitrator, will be strictly confidential for the benefit of all parties.

g. Severability

If a court or the arbitrator decides that any term or provision of this Arbitration Agreement (other than the subsection (b) titled “Prohibition of Class and Representative Actions and Non-Individualized Relief” above) is invalid or unenforceable, the parties agree to replace such term or provision with a term or provision that is valid and enforceable and that comes closest to expressing the intention of the invalid or unenforceable term or provision, and this Arbitration Agreement shall be enforceable as so modified. If a court or the arbitrator decides that any of the provisions of subsection (b) above titled “Prohibition of Class and Representative Actions and Non-Individualized Relief” are invalid or unenforceable, then the entirety of this Arbitration Agreement shall be null and void, unless such provisions are deemed to be invalid or unenforceable solely with respect to claims for public injunctive relief. The remainder of the Terms of Service will continue to apply.

h. Future Changes to Arbitration Agreement

Notwithstanding any provision in this Terms of Service to the contrary, Teller agrees that if it makes any future change to this Arbitration Agreement (other than a change to the Notice Address) while you are a user of the Services, you may reject any such change by sending Teller written notice within thirty (30) calendar days of the change to the Notice Address provided above. By rejecting any future change, you are agreeing that you will arbitrate any dispute between us in accordance with the language of this Arbitration Agreement as of the date you first accepted these Terms of Service (or accepted any subsequent changes to these Terms of Service).

Termination

You agree that Teller, in its sole discretion, may suspend or terminate your account (or any part thereof) or use of the Services, for any reason, including, without limitation, if Teller believes that you have violated or acted inconsistently with the letter or spirit of these Terms of Service. Any suspected fraudulent, abusiveor illegal activity that may be grounds for termination of your use of Services, may be referred to appropriate law enforcement authorities. Teller may also in its sole discretion and at any time discontinue providing the Services, or any part thereof, with or without notice.

User Disputes

You agree that you are solely responsible for your interactions with any other user in connection with the Services and Teller will have no liability or responsibility with respect thereto. Teller reserves the right, but has no obligation, to become involved in any way with disputes between you and any other user of the Services.

General

These Terms of Service constitute the entire agreement between you and Teller and govern your use ofthe Service, superseding any prior agreements between you and Teller with respect to the Services. You also may be subject to additional terms and conditions that may apply when you use affiliate or third party services, third party content or third party software. These Terms of Service will be governed by the laws of the State of California without regard to its conflict of law provisions. With respect to any disputes or claims not subject to arbitration, as set forth above, you and Teller agree to submit to the personal and exclusive jurisdiction of the state and federal courts located within San Francisco County, California. The failure of Teller to exercise or enforce any right or provision of these Terms of Service will not constitute a waiver of such right or provision. If any provision of these Terms of Service is found by a court of competent jurisdiction to be invalid, the parties nevertheless agree that the court should endeavor to give effect to the parties’ intentions as reflected in the provision, and the other provisions of these Terms of Service remain in full force and effect. You agree that regardless of any statute or law to the contrary, any claim or cause of action arising out of or related to use of the Services or these Terms of Service must befiled within one (1) year after such claim or cause of action arose or be forever barred. A printed version of this agreement and of any notice given in electronic form will be admissible in judicial or administrative proceedings based upon or relating to this agreement to the same extent and subject to the same conditions as other business documents and records originally generated and maintained in printed form. You may not assign this Terms of Service without the prior written consent of Teller, but Teller may assignor transfer this Terms of Service, in whole or in part, without restriction. The section titles in these Terms of Service are for convenience only and have no legal or contractual effect. Notices to you may be made via either email or regular mail. The Service may also provide notices to you of changes to these Terms of Service or other matters by displaying notices or links to notices generally on the Services.

Your Privacy

At Teller, we respect the privacy of our users. For details please see our Privacy Policies. By using the Services, you consent to our collection and use of personal data as outlined therein.

Questions? Concerns? Suggestions?

Please contact us at legal-notices@teller.io to report any violations of these Terms of Service or to pose any questions regarding this Terms of Service or the Services.

Date of last revision: November 10, 2021

End User Personal Data We Collect

We collect categories of information that alone or in combination with other information in our possession could be used to identify you (“End User Personal Data”) as follows:

End User Personal Data You Provide

When you connect your financial accounts to software applications using Teller, we may collect identifiers and login information required by the provider of your financial 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 Teller the authority to act on your behalf to access and transmit your End User Personal Data from the entity that provides your financial accounts. 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 website or Services.

End User Personal Data We Collect From Your Financial Accounts

The information we receive from the entities that maintain your financial accounts varies depending on the specific Teller services developers integrate with their applications, as well as the information made available by the providers of your financial accounts. But, in general, we collect the following types of End User Personal Data from your financial accounts:

• Account information, including financial institution name, account name, account type, account ownership, branch number, IBAN, BIC, and account and routing number;
• 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, address, and resident status 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, where you’ve connected your payroll accounts.

The data collected from your financial accounts includes information from all your accounts (e.g., checking, savings, and credit card) accessible through a single set of account credentials.

End User Personal Data We Collect Through Our Social Media Pages

We have pages on social media sites like Twitter (“Social Media Pages”). When you interact with our Social Media Pages, we will collect End User Personal Data that you elect to provide to us, such as your contact details. In addition, the companies that host our Social Media Pages may provide us with aggregate information and analytics regarding the use of our Social Media Pages.

End User Personal Data We Receive Automatically From Your Use of the Services

When you visit, use, and interact with the Services, we may receive certain information about your visit, use, or interactions. For example, we may monitor the types of financial accounts and software applications you connect through the Services, the number of people that visit the Services, peak hours of visits, which page(s) are visited, the domains our visitors come from (e.g., google.com, yahoo.com, etc.), and which browsers people use to access the Services (e.g., Chrome, Firefox, Microsoft Internet Explorer, etc.), broad geographical information, and navigation pattern. In particular, the following information is created and automatically logged in our systems:

• Log data: Information that your browser automatically sends whenever you use the Services (“Log Data”). Log Data includes your Internet Protocol address, browser type and settings, the date and time of your request, and how you interacted with the Services;
• Cookies: Please click here to learn more about how we use cookies;
• Device information: Includes name of the device, operating system, and browser you are using. Information collected may depend on the type of device you use and its settings; and
• Usage Information: We collect information about how you use our Services, such as the types of content that you view or engage with, the features you use, the actions you take, and the time, frequency, and duration of your activities.

Email Pixels

We may use pixels in our email campaigns that allow us to collect your email and IP address as well as the date and time you open an email or click on any links in the email.

Analytics

We use Google Analytics, a web analytics service provided by Google, Inc. (“Google”). Google Analytics uses cookies to help us analyze how users use the Site and enhance your experience when you use the Site. For more information on how Google uses this data, go to https://www.google.com/policies/privacy/partners/.

Online Tracking and Do Not Track Signals

We and our third party service providers may use cookies or other tracking technologies to collect information about your browsing activities over time and across different websites following your use of the Services. Our Services currently do not respond to “Do Not Track” (“DNT”) signals and operates as described in this End User Privacy Policy whether or not a DNT signal is received. If we do respond to DNT signals in the future, we will update this End User Privacy Policy to describe how we do so.

How We Use End User Personal Data

We may use End User Personal Data for the following purposes:

• To provide the Services and connect your financial accounts with related software applications;
• To analyze the types of financial accounts and software applications you connect through the Services;
• To respond to your inquiries, comments, feedback, or questions;
• To send administrative information to you, for example, information regarding the Services and changes to our terms, conditions, and policies;
• To analyze how you interact with our Services;
• To maintain and improve the content and functionality of the Services;
• To develop new products and services;
• To prevent fraud, criminal activity, or misuses of our Services, and to ensure the security of our IT systems, architecture, and networks; or
• To comply with legal obligations and legal process and to protect our rights, privacy, safety, or property, and/or that of our affiliates, you, or other third parties.

Sharing and Disclosure of End User Personal Data

We do not sell your End User Personal Data. In certain circumstances we may share your End User Personal Data with third parties without further notice to you, unless required by the law, with the categories of third parties set forth below:

• Developers: We will share the End User Personal Data relating to your financial accounts with the developers of the software applications you connect to your financial accounts through the Services, and we will also share your End User Personal Data with third parties as instructed by such developers.
• Vendors and Service Providers: To assist us in meeting business operations needs and to perform certain services and functions, we may share End User Personal Data with vendors and service providers, including providers of hosting services and web analytics services. Pursuant to our instructions, these parties will access, process, or store End User Personal Data in the course of performing their duties to us.
• Business Transfers: If we are involved in a merger, acquisition, financing due diligence, reorganization, bankruptcy, receivership, sale of all or a portion of our assets, or transition of service to another provider (collectively a “Transaction”), your End User Personal Data and other information may be shared in the diligence process with counterparties and others assisting with the Transaction and transferred to a successor or affiliate as part of that Transaction along with other assets.
• Legal Requirements: If required to do so by law or in the good faith belief that such action is necessary to (i) comply with a legal obligation, including to meet national security or law enforcement requirements, (ii) protect and defend our rights or property, (iii) prevent fraud, (iv) act in urgent circumstances to protect the personal safety of users of the Services, or the public, or (v) protect against legal liability.

Update Your Information

Please contact us if you need to change or correct your End User Personal Data.

California Privacy Rights

Where provided for by law and subject to any applicable exceptions, California residents may have the rights:

• To know the categories of End User Personal Data that Teller has collected about you, the business purpose for collecting your End User Personal Data, and the categories of sources from which the End User Personal Data was collected;
• To access the specific pieces of End User Personal Data that Teller has collected about you;
• To know whether Teller has disclosed your End User Personal Data for business purposes, the categories of End User Personal Data so disclosed, and the categories of third parties to whom we have disclosed your End User Personal Data;
• To have Teller, under certain circumstances, delete your End User Personal Data;
• To instruct businesses that sell personal information to stop doing so – Teller, however, does not sell personal information; and
• To be free from discrimination related to the exercise of these rights.

If you would like to exercise any or all of these rights, you may do so by contacting us. Your authorized agent may submit requests in the same manner. Once we receive your request, we will verify your identity by sending an email to the email address you provide to us and/or requesting additional information.

Please contact us if you have questions about your rights or our disclosures under the CCPA, or to request access to an alternative format of this End User Privacy Policy.

Children

Our Services are not directed to children who are under the age of 13. Teller does not knowingly collect End User Personal Data from children under the age of 13. If you have reason to believe that a child under the age of 13 has provided End User Personal Data to Teller through the Services please contact us and we will endeavor to delete that information from our databases.

Security

You use the Services at your own risk. We implement commercially reasonable technical, administrative, and organizational measures to protect End User Personal Data both online and offline from loss, misuse, and unauthorized access, disclosure, alteration, or destruction. However, no Internet or e-mail transmission is ever fully secure or error free. In particular, e-mail sent to or from us may not be secure. Therefore, you should take special care in deciding what information you send to us via the Services or e-mail. Please keep this in mind when disclosing any End User Personal Data to Teller via the Internet. In addition, we are not responsible for circumvention of any privacy settings or security measures contained on the Services, or third party websites.

Your Choices

In certain circumstances providing End User Personal Data is optional. However, if you choose not to provide End User Personal Data that is needed to use some features of our Services, you may be unable to use those features. You can also contact us to ask us to update or correct your End User Personal Data.

Changes to the End User Privacy Policy

The Services and our business may change from time to time. As a result we may change this End User Privacy Policy at any time. When we do we will post an updated version on this page, unless another type of notice is required by the applicable law. By continuing to use our Services or providing us with End User Personal Data after we have posted an updated End User Privacy Policy, or notified you by other means if applicable, you consent to the revised End User Privacy Policy and practices described in it.

Contact Us

If you have any questions about our End User Privacy Policy or information practices, please feel free to contact us at our designated request address: legal-notices@teller.io.

Consumer Privacy Notice

WHAT DOES TELLER, INC. AND ITS SUBSIDARIES ("TELLER") 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:

• Name and email address
• Financial account login information
• Financial account balance and history information

How?

All financial companies need to share consumers' personal information to run their everyday business. In the section below, we list the reasons financial companies can share their consumers' personal information; the reasons Teller chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information	Does Teller share?	Can you limit this sharing?
For our everyday business purposes — such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or 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	Yes	No
For our affiliates' everyday business purposes — information about your creditworthiness	No	We don't share
For our affiliates to market to you	No	We don't share
For nonaffiliates to market to you	No	We don't share

Questions?

Contact us at legal-notices@teller.io

Who we are

Who is providing this notice?

This notice is being provided on behalf of Teller, Inc.

What we do

How does Teller 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 Teller collect my personal information?

We collect your personal information, for example, when you

• Create an account with us or provide account information
• Give us your contact information or contact us with questions
• Use the Services

Why can't I limit all sharing?

We may also collect your personal information from other companies.

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 nonaffiliates to market to you

State laws and individual companies may give you additional rights to limit sharing. See below for more on your rights under state law.

Definitions

Affiliates	Companies related by common ownership or control. They can be financial and nonfinancial companies. Teller's affiliate is Teller Inc (UK) Ltd.
Nonaffiliates	Companies not related by common ownership or control. They can be financial and nonfinancial companies. Teller does not share with nonaffiliates so they can market to you.
Joint marketing	A formal agreement between nonaffiliated financial companies that together market financial products or services to you.

Other important information

California and Vermont Residents:

California: If you provide a California mailing address to Teller as your primary address, we will not share personal information we collect about you except to the extent permitted under California law.

Vermont: If you provide a Vermont mailing address to Teller as your primary address, we will not share personal information we collect about you with non-affiliates unless the law allows or you provide authorization.

Date of last revision: October 12, 2020

Personal Data We Collect

We collect categories of information that alone or in combination with other information in our possession could be used to identify you (“Personal Data”) as follows:

Personal Data You Provide

We collect Personal Data when you provide information through the Services or otherwise contact us. The Personal Data collected during these interactions may vary based on what you choose to share with us, but it will generally include your name, email, password, company name, and other information you provide when you create an account or contact us.

Personal Data We Collect Through Our Social Media Pages

We have pages on social media sites like Twitter (“Social Media Pages”). When you interact with our Social Media Pages, we will collect Personal Data that you elect to provide to us, such as your contact details. In addition, the companies that host our Social Media Pages may provide us with aggregate information and analytics regarding the use of our Social Media Pages.

Personal Data We Receive Automatically From Your Use of the Services

When you and your End Users visit, use, and interact with the Services, we may receive certain information about such visits, uses, or interactions. For example, we may monitor the number of people that visit the Services (including whether your End Users access the Services more or less frequently than the End Users of other developers), peak hours of visits, which page(s) are visited, the domains our visitors come from (e.g., google.com, yahoo.com, etc.), and which browsers people use to access the Services (e.g., Chrome, Firefox, Microsoft Internet Explorer, etc.), broad geographical information, and navigation pattern. In particular, the following information is created and automatically logged in our systems:

• Log data: Information that your browser automatically sends whenever you visit the Site (“log data”). Log data includes your Internet Protocol address, browser type and settings, the date and time of your request, and how you interacted with the Site;
• Cookies: Please click here to learn more about how we use cookies;
• Device information: Includes name of the device, operating system, and browser you are using. Information collected may depend on the type of device you use and its settings; and
• Usage Information: We collect information about how you use our Services, such as the types of content that you view or engage with, the features you use, the actions you take, and the time, frequency, and duration of your activities.

Email Pixels

We may use pixels in our email campaigns that allow us to collect your email and IP address as well as the date and time you open an email or click on any links in the email.

Analytics

We use Google Analytics, a web analytics service provided by Google, Inc. (“Google”). Google Analytics uses cookies to help us analyze how users use the Site and enhance your experience when you use the Site. For more information on how Google uses this data, go to www.google.com/policies/privacy/partners/.

Online Tracking and Do Not Track Signals

We and our third party service providers may use cookies or other tracking technologies to collect information about your browsing activities over time and across different websites following your use of the Site. Our Site currently does not respond to “Do Not Track” (“DNT”) signals and operates as described in this Privacy Policy whether or not a DNT signal is received. If we do respond to DNT signals in the future, we will update this Privacy Policy to describe how we do so.

How We Use Personal Data

We may use Personal Data for the following purposes:

• To make the Services available to you;
• To respond to your inquiries, comments, feedback, or questions;
• To send administrative information to you, for example, information regarding the Services and changes to our terms, conditions, and policies;
• To analyze how you and your End Users interact with our Services;
• To maintain and improve the content and functionality of the Services;
• To develop new products and services;
• To prevent fraud, criminal activity, or misuses of our Services, and to ensure the security of our IT systems, architecture, and networks; and
• To comply with legal obligations and legal process and to protect our rights, privacy, safety, or property, and/or that of our affiliates, you, or other third parties.

Aggregated Information

We may aggregate Personal Data and use the aggregated information to analyze the effectiveness of our Services, to improve and add features to our Services, and for other similar purposes. In addition, from time to time, we may analyze the general behavior and characteristics of users of our Services and share aggregated information like general user statistics with prospective business partners. We may collect aggregated information through the Services, through cookies, and through other means described in this Privacy Policy.

Marketing

We may use your Personal Data to contact you to tell you about products or services we believe may be of interest to you. For instance, if you elect to provide your email, we may use that information to send you special offers. You may opt out of receiving emails by following the instructions contained in each promotional email we send you. You can also control the marketing emails you receive by updating your settings through your account. In addition, if at any time you do not wish to receive future marketing communications, you may contact us. If you unsubscribe from our marketing lists, you will no longer receive marketing communications but we will continue to contact you regarding management of your account, other administrative matters, and to respond to your requests.

Sharing and Disclosure of Personal Data

We do not sell your Personal Data. In certain circumstances we may share your Personal Data with third parties without further notice to you, unless required by the law, with the categories of third parties set forth below:

Update Your Information

Please log in to your account or contact us if you need to change or correct your Personal Data.

California Privacy Rights

Where provided for by law and subject to any applicable exceptions, California residents may have the rights:

• To know the categories of End User Personal Data that Teller has collected about you, the business purpose for collecting your End User Personal Data, and the categories of sources from which the End User Personal Data was collected;
• To access the specific pieces of End User Personal Data that Teller has collected about you;
• To know whether Teller has disclosed your End User Personal Data for business purposes, the categories of End User Personal Data so disclosed, and the categories of third parties to whom we have disclosed your End User Personal Data;
• To have Teller, under certain circumstances, delete your End User Personal Data;
• To instruct businesses that sell personal information to stop doing so – Teller, however, does not sell personal information; and
• To be free from discrimination related to the exercise of these rights.

If you would like to exercise any or all of these rights, you may do so by contacting us. Your authorized agent may submit requests in the same manner. Once we receive your request, we will verify your identity by sending an email to the email address you provide to us and/or requesting additional information.

Please contact us if you have questions about your rights or our disclosures under the CCPA, or to request access to an alternative format of this End User Privacy Policy.

Children

Our Services are not directed to children who are under the age of 13. Teller does not knowingly collect Personal Data from children under the age of 13. If you have reason to believe that a child under the age of 13 has provided Personal Data to Teller through the Services please contact us and we will endeavor to delete that information from our databases.

Security

You use the Services at your own risk. We implement commercially reasonable technical, administrative, and organizational measures to protect Personal Data both online and offline from loss, misuse, and unauthorized access, disclosure, alteration, or destruction. However, no Internet or e-mail transmission is ever fully secure or error free. In particular, e-mail sent to or from us may not be secure. Therefore, you should take special care in deciding what information you send to us via the Services or e-mail. Please keep this in mind when disclosing any Personal Data to Teller via the Internet. In addition, we are not responsible for circumvention of any privacy settings or security measures contained on the Services, or third party websites.

Your Choices

In certain circumstances providing Personal Data is optional. However, if you choose not to provide Personal Data that is needed to use some features of our Services, you may be unable to use those features. You can also contact us to ask us to update or correct your Personal Data.

Changes to the Privacy Policy

The Services and our business may change from time to time. As a result we may change this Privacy Policy at any time. When we do we will post an updated version on this page, unless another type of notice is required by the applicable law. By continuing to use our Services or providing us with Personal Data after we have posted an updated Privacy Policy, or notified you by other means if applicable, you consent to the revised Privacy Policy and practices described in it.

Contact Us

If you have any questions about our Privacy Policy or information practices, please feel free to contact us at our designated request address: legal-notices@teller.io.