1. Introduction
Welcome to Banksey! At Banksey, we value your privacy and are committed to protecting your personal information. This Privacy Policy explains how we collect, use, share, and protect your information when you use our application and website (collectively, the "Services"). By using the Services, you agree to the collection and use of your information in accordance with this Privacy Policy.
2. Information We Collect
a. Personal Information You Provide:
Account Information: When you sign up for Banksey, we collect personal information such as your name and email address.
Financial Information: To connect your bank accounts to Banksey, we may collect information such as account numbers, balances, transaction history, and other financial data to provide real-time updates through a third-party service, Plaid.
Communication Data: We collect information from your communications with us, including customer support inquiries, feedback, and other correspondences.
b. Information We Collect Automatically:
Usage Data: We automatically collect information about how you interact with the Services, such as IP address, browser type, operating system, referring URLs, pages viewed, and the dates and times of visits.
Device Information: We may collect information about the device you use to access our Services, including hardware model, operating system and version, unique device identifiers, and mobile network information.
Cookies and Tracking Technologies: We use cookies, web beacons, and similar tracking technologies to collect information about your use of the Services and to enhance your experience.
3. Use of Information
a. To Provide and Improve Our Services:
We use your information to operate, maintain, and improve the Services, including providing personalized features and recommendations.
To process your transactions and provide you with insights into your financial health.
b. Communication:
We use your email address and other contact information to send you transactional messages, updates, and notifications related to the Services.
To respond to your inquiries, provide customer support, and send administrative information.
c. Security and Fraud Prevention:
To monitor, detect, and prevent fraudulent activity and ensure the security of your account and our Services.
To comply with legal obligations and enforce our Terms of Use.
4. Use of Plaid
Banksey uses Plaid to securely connect your bank accounts and retrieve real-time financial data. When you connect your bank account through Plaid, you are subject to Plaid's Privacy Policy, which governs how they collect, use, and share your data. We do not have access to your bank login credentials. Plaid may collect the following information:
Account balances
Transaction history
Bank account details (account type, institution name, etc.)
By using Banksey, you consent to Plaid’s access and handling of your financial data as outlined in their Privacy Policy.
5. Sharing of Information
a. With Service Providers:
We may share your personal information with trusted third-party service providers who assist us in operating our Services, such as hosting providers, analytics services, customer support, and payment processors.
b. With Plaid:
As mentioned, we use Plaid to connect your bank accounts. We only share the information necessary for Plaid to perform its services.
c. For Legal Reasons:
We may disclose your information if required to do so by law or in response to valid legal processes, such as subpoenas, court orders, or government requests.
To protect our rights, privacy, safety, or property, and/or that of our affiliates, you, or others.
d. In Case of Business Transfers:
If Banksey is involved in a merger, acquisition, or sale of all or a portion of its assets, your information may be transferred as part of that transaction.
6. Security of Your Information
We take the security of your personal information seriously and implement reasonable technical, administrative, and physical safeguards to protect against unauthorized access, alteration, disclosure, or destruction of your data. However, no method of transmission over the internet or electronic storage is completely secure, so we cannot guarantee absolute security.
7. Your Rights and Choices
a. Access and Update:
You have the right to access, correct, or update your personal information at any time through your account settings.
b. Data Portability:
You may request a copy of your personal information in a structured, commonly used, and machine-readable format.
c. Deletion:
You can request the deletion of your personal information, and we will take reasonable steps to delete your data from our records unless we are required to retain it by law.
d. Opt-Out of Communications:
You can opt out of receiving promotional communications from us by following the instructions in those communications. You will continue to receive transactional messages related to our Services.