Effective Date 5/25/2025

FinCliq Inc. Privacy Policy

This Privacy Policy ("Policy") describes how FinCliq Inc. and its affiliates, including FinCliq Loan Services LLC ("FinCliq," "we," "us," or "our") collect, use, and disclose your information when you use our services. It also explains your rights and how you can exercise them.

1. Information We Collect

1.1 Information You Provide

When you interact with FinCliq, either directly or through a partner merchant, we may collect:

Identity Information: Full name, date of birth, address, email, and phone number
Financial Information: Linked bank account details, debit card information, transaction history
Authentication Data: Login credentials, SSN (for verification)
Customer Service Records: Call recordings, support messages, or email correspondence
Marketing Preferences: Your communication settings

1.2 Information We Collect Automatically

We may collect automatically:

Device & Usage Data: IP address, device ID, browser type, operating system, geolocation, click behavior, and browsing activity
Cookies & Tracking: Through cookies, beacons, and similar tools for analytics and personalization

1.3 Information from Third Parties

We may collect information from:

Bank data providers (e.g., Plaid) to verify account activity and deposits
Cookies & Tracking: Through cookies, beacons, and similar tools for analytics and personalization
Merchant partners to complete transactions and verify your purchase
Advertising partners for analytics and personalization

2. How We Use Your Information

We use your information to:

Verify your identity and eligibility
Underwrite and offer payment plans
Process payments and send notices
Prevent fraud and unauthorized use
Analyze service performance and user behavior
Personalize your experience and marketing content
Comply with legal obligations

3. How We Share Your Information

We may share your information with:

Affiliates and subsidiaries (e.g., FinCliq Loan Services LLC)
Service providers (e.g., data storage, payment processing, analytics, fraud prevention)
Merchant partners to fulfill purchases and offer personalized services
Banking and financial partners where required
Advertising and analytics partners
Government or law enforcement as required by law
Corporate transactions if FinCliq is involved in a merger, acquisition, or asset sale

4. Your Choices & Rights

You may:

Access or update your information via your account
Opt out of marketing communications
Merchant partners to fulfill purchases and offer personalized services
Disable cookies via your browser
Withdraw consent to data collection (which may affect your access to Services)
Request deletion or restriction of your data, subject to legal exceptions

California and Oregon residents have additional rights outlined in our state-specific notices [available upon request].

5. Data Retention

We retain your data:

As long as your account is active or as needed to provide services
To comply with legal and regulatory obligations
For fraud prevention, dispute resolution, and enforcement of terms

Retention periods vary by data type and regulatory requirement.

6. Security Practices

We use:

Encryption and secure servers
Role-based access control
Monitoring and anomaly detection tools

However, no system is completely secure. We encourage you to protect your account credentials and report suspicious activity.

7. Children’s Privacy

FinCliq does not knowingly collect data from individuals under 18. If we learn we’ve collected data from a minor, we will delete it promptly.

8. Updates to This Policy

We may update this Policy to reflect changes in our practices. Updates will be posted on our website with an effective date. Your continued use of the Platform after updates constitutes consent.

9. Contact Us

For privacy-related inquiries:

Email: info@fincliq.io

This Privacy Policy is designed to comply with applicable U.S. privacy laws including the Gramm-Leach-Bliley Act (GLBA), California Consumer Privacy Act (CCPA), and Oregon Consumer Privacy Act (OCPA).