Overview

Overview for Consumers

  • Our End User Privacy Policy explains how we collect, use, and share consumer information to operate, improve, develop, and protect our services.
  • Our Cookie Policy explains how we use cookies, which are small data files stored on your browser or device, as well as your choices related to those cookies.

Overview for Developers

  • Our Terms of Service Agreement governs access to or use by developers of any services provided by Teller.
  • Our Developer Privacy Policy explains how we collect, use, and share developer or customer information to operate, improve, develop, and protect our services.
  • Our Cookie Policy explains how we use cookies, which are small data files stored on your browser or device, as well as your choices related to those cookies.

Terms of Service Agreement

Date of last revision: January 21, 2020

By creating an account with Teller, Inc. (“we”, “us“, “our” or “Teller“) and/or using our Services (defined below), you or the entity or company that you represent (“you“, “your“ or “Licensee“) are unconditionally consenting to be bound by and are becoming a party to this Terms of Service Agreement (the “Agreement“). This agreement governs your use of our software and technology, including our application programming interface and associated tools and documentation offered by us (the “API“), in computers, mobile phones/tablets, and other devices (such software and technology, the “Technology”), access to our proprietary platform that supports the functionality of the Technology (the “Platform”), and other products and services that we may provide (collectively, the “Services”). If you are entering into this Agreement on behalf of an organization or entity, you hereby represent and warrant that you are authorized to bind that organization or entity to these terms. If you are under 13 years of age, you are not authorized to use the Services. Your download, installation or continued use of the Services will also constitute assent to the terms of this Agreement.

THIS AGREEMENT CONTAINS AN ARBITRATION CLAUSE, WHICH WILL, WITH LIMITED EXCEPTION, REQUIRE YOU TO SUBMIT CLAIMS YOU HAVE AGAINST US TO BINDING AND FINAL ARBITRATION. UNDER THE ARBITRATION CLAUSE, (1) YOU WILL ONLY BE PERMITTED TO PURSUE CLAIMS AGAINST US ON AN INDIVIDUAL BASIS, NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY CLASS OR REPRESENTATIVE ACTION OR PROCEEDING, AND (2) YOU WILL ONLY BE PERMITTED TO SEEK RELIEF (INCLUDING MONETARY, INJUNCTIVE, AND DECLARATORY RELIEF) ON AN INDIVIDUAL BASIS.

In addition, when using certain Services, you will be subject to any additional terms applicable to those Services, including, without limitation, our privacy policy (“Privacy Policy”). All such terms are hereby incorporated by reference into this Agreement. If you do not unconditionally agree to all of the terms of this Agreement (including the Privacy Policy), you will have no right to use the Technology and/or Services. If these terms are considered an offer, acceptance is expressly limited to all of these terms, to the exclusion of all other terms.

  1. Your Accounts
  2. You will create an account to access and use the Services. You promise to provide accurate, complete and updated account information. You will be responsible for maintaining the security of your account, passwords (including but not limited to administrative and user passwords) and files, and for all uses of your account with or without your knowledge or consent. You will also cooperate with us in establishing a password or other procedures for verifying that only your designated employees have access to any administrative functions of the Services. You will ensure that the designated employees do not transfer their accounts to any third party without our prior written consent.

  3. General Conditions and Your Obligations
  4. Subject to the terms and conditions of this Agreement, you may access and use the Service only for lawful purposes. All rights, title and interest in and to the Services, Platform, Technology and its components will remain with and belong exclusively to us. This Agreement does not convey any proprietary interest in or to any of our intellectual property or rights of entitlement to the use thereof except as expressly set forth in Section 3. You shall not (a) sublicense, resell, rent, lease, transfer, assign, time share or otherwise commercially exploit or make the Service available to any third party (other than as permitted under this Agreement); (b) use the Service in any unlawful manner (including without limitation in violation of any data, privacy or export control laws) or in any manner that interferes with or disrupts the integrity or performance of the Service or its components, or (c) modify, adapt or hack the Service to, or otherwise attempt to gain unauthorized access to the Service or its related systems or networks. You shall comply with any codes of conduct, policies or other notices we provide you or publish in connection with the Service, and you shall promptly notify us if you learn of a security breach related to the Service.

    You are solely responsible for all data (including your end user data), information (including end user’s personal and financial information), feedback, suggestions, text, content and other materials that you upload, post, deliver, provide or otherwise transmit or store (hereafter “post(ing)”) in connection with or relating to the Service (“Your Content”).

    You are responsible for maintaining the confidentiality of your login, password and account and for all activities that occur under your login or account. We reserve the right to access your account in order to respond to your requests for technical support. By posting Your Content on or through the Service, you hereby do and shall grant us a worldwide, non-exclusive, perpetual, irrevocable, royalty-free, fully paid, sublicensable and transferable license to use, modify, reproduce, distribute, display, publish and perform Your Content in connection with the Service.

    You understand that the operation of the Service, including Your Content, may involve (a) transmissions over various networks; (b) changes to conform and adapt to technical requirements of connecting networks or devices and (c) transmission to our third party vendors and hosting partners to provide the necessary hardware, software, networking, storage, and related technology required to operate and maintain the Service. Accordingly, you acknowledge that you bear sole responsibility for adequate security, protection and backup of Your Content. We will have no liability to you for any unauthorized access or use of any of Your Content, or any corruption, deletion, destruction or loss of any of Your Content.

    We reserve the right to use your name and/or company name as a reference for marketing or promotional purposes on our website and in other communication with our existing or potential customers. To decline Teller this right you need to email stating that you do not wish to be used as a reference.

  5. Intellectual Property
  6. Limited License to Access the Platform

    Subject to and conditional upon full compliance with the terms of this Agreement, we hereby grant you a limited, personal, non-sublicensable, non-transferable, royalty-free, nonexclusive license to use and access our Platform and online portal solely for your internal business purposes.

    Limited License to Use the Technology

    Subject to and conditional upon full compliance with the terms of this Agreement, we hereby grant you a limited, personal, non-sublicensable, non-transferable, royalty-free, nonexclusive license to use the Technology for the sole purpose of allowing you to build (strictly in accordance with our official user documentation) software applications (each an “App”) that may communicate with the Platform, and for other purposes authorized by us in writing.

    Limited License to Distribute the Technology in Your App

    Subject to and conditional upon full compliance with the terms of this Agreement, we hereby grant you a limited, personal, non-sublicensable, non-transferable, royalty-free, nonexclusive license to distribute the Technology in object code form only as part of your App, and only subject to an end-user license agreement which is at least as protective of our proprietary rights in the Technology as those contained in this agreement. Without limiting the foregoing, these terms and conditions will include terms for our benefit regarding (a) restrictions on reverse engineering (to the maximum extent permitted by applicable law); (b) disclaimer of warranties; and (c) limitation of liability, all of which will be at least as beneficial to us as those contained herein.

    Improvements

    You may from time to time provide suggestions, comments or other feedback to us with respect to the Services (“Feedback”). Feedback, even if designated as confidential by you, shall not create any confidentiality obligation for us notwithstanding anything else. You hereby do and shall grant us a nonexclusive, worldwide, perpetual, irrevocable, transferable, sublicensable, royalty-free, fully paid up license to use and exploit the Feedback for any purpose.

  7. Changes to the Technology
  8. Your App will maintain 100% compatibility with the Technology and the Platform (including changes provided to you by us which will be implemented in your App promptly thereafter). You understand and agree that we may cease support of old versions or releases of the Technology at any time. We may also automatically update the version of the Services that you are using, including without limitation the Technology used on each device (each, a “Device”) of your end users.

  9. Fees
  10. Certain versions or functionalities of the Technology may currently be free of charge, but we reserve the right to make certain additional features, updates or new versions/releases available only for payment. To the extent the Service or any portion thereof is made available for any fee, you will be required to select a payment plan and provide us information regarding your credit card or other payment instrument. You represent and warrant to us that such information is true and that you are authorized to use the payment instrument. You will promptly update your account information with any changes (for example, a change in your billing address or credit card expiration date) that may occur. You agree to pay us the amount that is specified in the payment plan in accordance with the terms of such plan and this Agreement. You hereby authorize us to bill your payment instrument in advance on a periodic basis in accordance with the terms of the applicable payment plan until you terminate your account, and you further agree to pay any charges so incurred. If you dispute any charges you must let us know within sixty (60) days after the date that we invoice you. We reserve the right to change our prices. If we do change prices, we will provide notice of the change on our website or in email to you, at our option, at least 30 days before the change is to take effect. Your continued use of the Service after the price change becomes effective constitutes your agreement to pay the changed amount. We may choose to bill through an invoice, in which case, full payment for invoices issued in any given month must be received by us thirty (30) days after the mailing date of the invoice, or the Services may be terminated or deactivated. Unpaid invoices are subject to a finance charge of 1.5% per month on any outstanding balance, or the maximum permitted by law, whichever is lower, plus all expenses of collection. You shall be responsible for all taxes associated with Services other than U.S. taxes based on our net income.

  11. Indemnification
  12. You will defend, indemnify, and hold harmless us, our affiliates and each of our and our affiliates’ employees, contractors, directors, suppliers and representatives from all liabilities, claims, and expenses (including reasonable attorneys’ fees), that arise from or relate to (i) your, an Authorized User’s or your end users’ use or misuse of the Services (ii) your violation of this Agreement or breach of its representations or warranties, (iii) infringement by you or any Authorized User of any intellectual property or other right of any person or entity, or (iv) a claim alleging that you or your App infringes or violates the rights of, or has caused harm to, a third party. We reserve the right to assume the exclusive defense and control of any matter otherwise subject to indemnification by you, in which event you will assist and cooperate with us in asserting any available defenses.

  13. Representations and Warranties
  14. You represent and warrant to us that (i) you have full power and authority to enter into this Agreement; (ii) you own all Your Content or have obtained all permissions, releases, rights or licenses (including from all your end users) required to engage in your posting and all other activities (and allow us to perform our obligations) in connection with the Services without obtaining any further releases or consents; and (iii) Your Content and other activities in connection with the Service, and our exercise of all rights and license granted by you herein, do not and will not violate, infringe, or misappropriate any third party’s copyright, trademark, right of privacy or publicity, or other personal or proprietary right, nor does Your Content contain any matter that is defamatory, obscene, unlawful, threatening, abusive, tortious, offensive or harassing; and (iv) you are eighteen (18) years of age or older.

  15. Disclaimer
  16. The Services may be temporarily unavailable for scheduled maintenance or for unscheduled emergency maintenance, either by us or by third-party providers, or because of other causes beyond our reasonable control. HOWEVER, THE SERVICE, INCLUDING THE PLATFORM AND TECHNOLOGY ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS WITHOUT ANY WARRANTIES OF ANY KIND, AND WE EXPRESSLY DISCLAIM ANY AND ALL WARRANTIES, WHETHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY, TITLE, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. YOU ACKNOWLEDGE THAT WE DO NOT WARRANT THAT THE SERVICES (INCLUDING THE TECHNOLOGY) WILL BE UNINTERRUPTED, TIMELY, SECURE, ERROR-FREE OR VIRUS-FREE, NOR DOES IT MAKE ANY WARRANTY AS TO THE RESULTS THAT MAY BE OBTAINED FROM USE OF THE SERVICES, AND NO INFORMATION, ADVICE OR SERVICES OBTAINED BY YOU FROM US OR THROUGH THE SERVICES SHALL CREATE ANY WARRANTY NOT EXPRESSLY STATED IN THIS AGREEMENT. SOME STATES DO NOT ALLOW LIMITATIONS ON HOW LONG AN IMPLIED WARRANTY LASTS, WHICH MEANS THAT SOME OF THE ABOVE LIMITATIONS MAY NOT APPLY TO YOU. IN THESE STATES, OUR LIABILITY WILL BE LIMITED TO THE GREATEST EXTENT PERMITTED BY LAW.

  17. Limitation of Liability
  18. UNDER NO CIRCUMSTANCES AND UNDER NO LEGAL THEORY, INCLUDING, BUT NOT LIMITED TO, TORT, CONTRACT, NEGLIGENCE, STRICT LIABILITY, OR OTHERWISE, WILL OUR OR OUR SUPPLIERS OR LICENSORS BE LIABLE TO YOU OR ANY OTHER PERSON FOR (A) ANY INDIRECT, INCIDENTAL, SPECIAL, EXEMPLARY, CONSEQUENTIAL OR PUNITIVE DAMAGES, INCLUDING LOST PROFITS, LOST SALES OR BUSINESS, LOST DATA, OR (B) FOR ANY DIRECT DAMAGES, COSTS, LOSSES OR LIABILITIES IN EXCESS OF THE FEES ACTUALLY PAID BY YOU IN THE SIX (6) MONTHS PRECEDING THE EVENT GIVING RISE TO YOUR CLAIM OR, IF NO FEES APPLY, ONE HUNDRED ($100) U.S. DOLLARS. THE FOREGOING WILL NOT APPLY TO DAMAGES FOR BODILY INJURY THAT, UNDER APPLICABLE LAW, CANNOT BE SO LIMITED. THE FOREGOING LIMITATIONS WILL APPLY EVEN IF YOU HAVE BEEN INFORMED OF THE POSSIBILITY OF SUCH DAMAGES. SOME STATES DO NOT ALLOW THE EXCLUSION OR LIMITATION OF INCIDENTAL OR CONSEQUENTIAL DAMAGES, WHICH MEANS THAT SOME OF THE ABOVE LIMITATIONS MAY NOT APPLY TO YOU. IN THESE STATES, OUR LIABILITY WILL BE LIMITED TO THE GREATEST EXTENT PERMITTED BY LAW.

  19. Term and Termination
  20. This Agreement is effective as of the date you begin using the Services and is effective until terminated in accordance with this section. You may terminate this Agreement at any time by sending a cancellation request to legal-notices@teller.io. We may terminate your account and this Agreement at any time, with or without cause, immediately upon notice. We reserve the right to deactivate, modify or discontinue, temporarily or permanently, the Service (or any part thereof). We may also immediately suspend your account or terminate access without notice if appropriate under the circumstances, such as when we become aware of activity that is a violation of any applicable law or when we determine, in our sole discretion, that harm is imminent. All of Your Content on the Service (if any) may be permanently deleted by us upon any termination or deactivation of your account in our sole discretion. Even after any termination or deactivation of your account, we may still retain any information we collected about you for as long as necessary to fulfill the purposes outlined in our Agreements with you or our Privacy Policy, or for a longer retention period if required or permitted under applicable law. If we terminate your account without cause and you have signed up for a fee-bearing service, we will refund the pro-rated, unearned portion of any amount that you prepaid to us for such Service. All provisions of this Agreement which by their nature should survive termination will survive termination, including, without limitation, accrued payment obligations (if applicable), ownership provisions, warranty disclaimers, indemnity and limitations of liability.

  21. Choice of Law and Arbitration
  22. This Agreement is governed by and will be construed under the laws of the State of California, without regard to the conflicts of laws provisions thereof. Any dispute arising from or relating to the subject matter of this Agreement will be finally settled in San Francisco County, California, in English, in accordance with the Streamlined Arbitration Rules and Procedures of Judicial Arbitration and Mediation Services, Inc. (“JAMS”) then in effect, by one commercial arbitrator with substantial experience in resolving intellectual property and commercial contract disputes, who will be selected from the appropriate list of JAMS arbitrators in accordance with such Rules. Judgment upon the award rendered by such arbitrator may be entered in any court of competent jurisdiction. Notwithstanding the foregoing obligation to arbitrate disputes, each party will have the right to pursue injunctive or other equitable relief at any time, from any court of competent jurisdiction. For all purposes of this Agreement, the parties consent to exclusive jurisdiction and venue in the state or federal courts located in, respectively, San Francisco County, California or the Northern District of California. Any arbitration under these Terms will take place on an individual basis: class arbitrations and class actions are not permitted. YOU UNDERSTANDS AND AGREE THAT BY ENTERING INTO THESE TERMS, YOU AND TELLER ARE EACH WAIVING THE RIGHT TO TRIAL BY JURY OR TO PARTICIPATE IN A CLASS ACTION.

  23. Changes to the Agreement, Platform, or Service
  24. We may modify the Agreement at any time, in our sole discretion. If we do so, we will let you know either by posting the modified Agreement on the Platform or our website or through other communications. It is important that you review the Agreement whenever we modify it because if you continue to use the Platform or Services after we have notified you of the modification and the modified Agreement has been posted on the Platform or our website, you are indicating to us that you agree to be bound by the modified Agreement. If any change to this Agreement is not acceptable to you, your only remedy is stop using the Services and send a cancellation email. Because the Platform and Services are evolving over time, we may change or discontinue all or any part of the Platform or Services at any time and without notice, at our sole discretion.

  25. United States Government Matters
  26. You may not remove or export from the United States or allow the export or re-export of the Services or anything related thereto, or any direct product thereof in violation of any restrictions, laws or regulations of the United States Department of Commerce, the United States Department of Treasury Office of Foreign Assets Control, or any other United States or foreign agency or authority. As defined in FAR section 2.101, the software and documentation installed by Company on your Equipment (if applicable) are “commercial items” and according to DFAR section 252.227 7014(a)(1) and (5) are deemed to be “commercial computer software” and “commercial computer software documentation.” Consistent with DFAR section 227.7202 and FAR section 12.212, any use modification, reproduction, release, performance, display, or disclosure of such commercial software or commercial software documentation by the U.S. Government will be governed solely by the terms of this Agreement and will be prohibited except to the extent expressly permitted by the terms of this Agreement.

  27. Miscellaneous
  28. 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. This Agreement represents the complete agreement concerning the subject matter hereof between the parties and supersedes all prior agreements and representations between them. This Agreement may be amended only by a writing executed by both parties or as otherwise provided in Section 13. If any provision of this Agreement is held to be unenforceable for any reason, such provision will be reformed only to the extent necessary to make it enforceable. Any notices or other communications provided by us under this Agreement, including those regarding modifications to this Agreement, will be given: (i) via email; or (ii) by posting to the Platform. For notices made by e-mail, the date of receipt will be deemed the date on which such notice is given. For notices made by posting to the Platform, the date of such posting will be deemed the date that notice is given. The failure of us to act with respect to a breach of this Agreement by you or others does not constitute a waiver and will not limit our rights with respect to such breach or any subsequent breaches. This Agreement is personal to you and may not be assigned or transferred for any reason whatsoever without our consent and any action or conduct in violation of the foregoing will be void and without effect. We may assign or transfer this Agreement, in whole or in part, without restriction. We expressly reserve the right to assign this Agreement and to delegate any of its obligations hereunder.

Please email us to report any violations of this Agreement or to pose any questions regarding this Agreement or the Service.

End User Privacy Policy

Date of last revision: January 27, 2020

This policy applies to Teller, Inc. and its subsidiaries (“Teller,” “we”, “us” or “our”). This Privacy Policy explains what End User Personal Data (defined below) we collect, how we use and share that data, and your choices concerning our data practices. This Privacy Policy is incorporated into and forms part of our Terms of Service Agreement.

Teller allows you to connect your bank accounts and other financial accounts (collectively “financial accounts”) to third-party software applications (the “Service”). Please note that this Privacy Policy does not describe how the developers of the software applications you connect to your financial accounts use your and share your End User Personal Data. Please review the privacy policies made available by such developers to learn more about their practices.

Before using the Service or submitting any End User Personal Data to Teller, please review this Privacy Policy carefully and contact us if you have any questions. By using the Service, you agree to the practices described in this Privacy Policy. If you do not agree to this Privacy Policy, please do not access or otherwise use the Service.

End User Personal Data We Collect

We collect 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 Service.

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 use to power 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 Service

When you visit, use, and interact with the Service, 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 Service, the number of people that visit the Service, 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 Service (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 Service (“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 Service;
  • 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 Service, 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 Service. Our Service 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 End User Personal Data

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

  • To provide the Service and connect your financial accounts with related software applications;
  • To analyze the types of financial accounts and software applications you connect through the Service;
  • To respond to your inquiries, comments, feedback, or questions;
  • To send administrative information to you, for example, information regarding the Service and changes to our terms, conditions, and policies;
  • To analyze how you interact with our Service;
  • To maintain and improve the content and functionality of the Service;
  • To develop new products and services;
  • To prevent fraud, criminal activity, or misuses of our Service, 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

In certain circumstances we may share your End User Personal Data with third parties without further notice to you, unless required by the law, as 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 Service, 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 Service, 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.

Children

Our Service is 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 Service please contact us and we will endeavor to delete that information from our databases.

Security

You use the Service 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 Service 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 Service, 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 Service, 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 Privacy Policy

The Service 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 Service or providing us with End User 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.

Developer Privacy Policy

Date of last revision: January 27, 2020

Welcome to the website (the “Site) of Teller, Inc. (“Teller,” “we”, “us”, or “user). Teller provides an API to developers (“you”, “your”) that allows your users (“End Users”) to connect their bank accounts to your services and applications (collectively, including the Site, the “Service”).

This Privacy Policy explains what Personal Data (defined below) we collect when you access and use the Service, how we use and share that data, and your choices concerning our data practices. This Privacy Policy is incorporated into and forms part of our Terms of Service Agreement.

Please note that this Privacy Policy does not apply to the information we collect from End Users. If you are an End User, please refer to our End User Privacy Policy to learn more about the Personal Data we collect from you and how we use and share that data.

Before using the Service or submitting any Personal Data to Teller, please review this Privacy Policy carefully and contact us if you have any questions. By using the Service, you agree to the practices described in this Privacy Policy. If you do not agree to this Privacy Policy, please do not access the Site or otherwise use the Service.

Personal Data We Collect

We collect 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 Service 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 Service

When you and your End Users visit, use, and interact with the Service, we may receive certain information about such visits, uses, or interactions. For example, we may monitor the number of people that visit the Service (including whether your End Users access the Service 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 Service (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 Service, 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 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 Service available to you;
  • To respond to your inquiries, comments, feedback, or questions;
  • To send administrative information to you, for example, information regarding the Service and changes to our terms, conditions, and policies;
  • To analyze how you and your End Users interact with our Service;
  • To maintain and improve the content and functionality of the Service;
  • To develop new products and services;
  • To prevent fraud, criminal activity, or misuses of our Service, 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.

Aggregated Information

We may aggregate Personal Data and use the aggregated information to analyze the effectiveness of our Service, to improve and add features to our Service, 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 Service, 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

In certain circumstances we may share your Personal Data with third parties without further notice to you, unless required by the law, as set forth below:

  • Vendors and Service Providers: To assist us in meeting business operations needs and to perform certain services and functions, we may share Personal Data with vendors and service providers, including providers of hosting services, customer relationship management and customer support services, payment processors, and web analytics services. Pursuant to our instructions, these parties will access, process, or store 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 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; or
  • 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 log in to your account or contact us if you need to change or correct your Personal Data.

Children

Our Service is 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 Service please contact us and we will endeavor to delete that information from our databases.

Security

You use the Service 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 Service 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 Service, 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 Service, 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 Service 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 Service 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.

Cookie Policy

Date of last revision: January 27, 2020

This Cookie Policy (“Cookie Policy”) explains how Teller Inc. and its subsidiaries, (collectively, “we”, “our”, or “us”), and trusted third parties, use cookies on our websites and other online services (collectively the “Service”), as well as your choices related to those cookies. Please review this Cookie Policy to learn more about the types of cookies we use, why we use them, and how you can control or limit the use of cookies.

To find out more about our privacy practices, please refer to our End User Privacy Policy and our Developer Privacy Policy.

What Are Cookies

Cookies are small data files stored on your browser or device, which can be in the form of session cookies (which expire once you close your web browser) or persistent cookies (which stay on your browser for a set period of time or until you delete them). They generally contain information such as website preferences, user settings, and browsing history. This information helps us recognize you as you interact with or revisit our Service.

Cookies may be served by the entity that operates the website you are visiting (“First-party Cookies”) or by other companies (“Third-party Cookies”). For example, we use first-party cookies to remember your settings and preferences, such as language and location. We also integrate third-party analytics cookies, like Google Analytics, onto our websites or into our Service to help us understand how you are using our websites so that we can improve them.

We also use other technologies that function similarly to cookies. For instance, we use web beacons (also called pixels), which are small images on a web page or in an email. Web beacons collect information about your browser or device and can set cookies. In addition, we use local storage, which allows data to be stored locally on your browser or device.

How We Use Cookies

We use cookies for a number of reasons, like helping us determine the popularity of certain features, functionality or content, improving our Service and your experience, and to better understand your online activity. The cookies we use generally fall into one or more of the following categories:

CATEGORY OF COOKIES HOW WE USE THESE COOKIES
Essential These cookies are strictly necessary for our Service to function properly. Some of our Service depend on these cookies and may not work properly, or at all, if they are disabled.
Security We use these cookies to help identify and mitigate potential security risks.
Preferences We use these cookies to remember your settings and preferences, such as language and location, when you use our Service.
Analytics We use these cookies to better understand how you interact with our Service so that we can improve them. For example, we may use these cookies to determine if you have interacted with certain content or features. We can also use these cookies to learn more about which features are the most popular with our users and where we may need to make improvements.

Your Choices

You have the right to choose whether or not to accept cookies. However, since cookies can be an important part of how our Service work, if you remove or reject cookies, this could affect the availability and functionality of our Service.

Below are some options to control or limit how cookies are used on our Service:

  • You can usually manage settings to remove or reject browser cookies manually within your browser’s configuration settings. To manage these settings, please follow the instructions given by your browser; and
  • To prevent your data from being used by Google Analytics, you can install Google’s opt-out browser add-on.

Changes to This Policy

We may update or change the cookies (or similar technologies) we use from time to time. The most up-to-date version of this Policy will be posted on our website, and if we make any changes, we will update the updated date at the top of the Cookies Policy. We recommend that you check back periodically for any changes.

Contact Us

If you have any questions about our use of cookies or this Policy, you can contact us at legal-notices@teller.io.