End User Privacy Policy

Date of last revision: November 10, 2021

This policy applies to Teller, Inc. and its subsidiaries (“Teller,” “we”, “us” or “our”). This End User 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 End User Privacy Policy is incorporated into and forms part of our End User Terms of Service.

Teller allows you to connect your bank accounts and other financial accounts (collectively “financial accounts”) to third-party software applications (the “Services”). Please note that this End User 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. If you are a developer, please review our Developer Privacy Policy to learn more about the personal data we collect from you and how we use and share that data.

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

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.

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.

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?

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.