Last updated date: 11 August 2021

This Privacy Policy (“Policy”) explains how Elyt, Inc. and their respective agents, representatives, assigns, successors and service providers (collectively, “Company”, “Elyt”, “we,” “us,”), collect, store, use, share, transfer and protect your personal information, which we obtain when you visit our websites, use our mobile application or use our services. You accept this Policy and all of its terms whenever you access or use our products, website, services, features and technologies, including our mobile application (collectively, the “Services”). Please read this Policy carefully.

Remember that your use of our Services is at all times subject to our Terms & Conditions.

This Policy covers how we treat “personal information” that we gather or collect from you when you access or use our Services. This includes, without limitation, information we collect when you access or use the mobile application operated by us to view, manage, or conduct transactions on the deposit, savings or credit account (“Banking Account”) or the Elyt Debit Card or Credit Card (each, a “Elyt Card”), both of which are made available by a partnering financial institution (“Bank”). However, it does not apply to the Banking Account or Elyt Card themselves. Please refer to the terms and conditions you enter into with the Bank and the Bank’s privacy policy for information concerning those products and your privacy rights with respect to those products.

Our Services are intended for users in the U.S.A. and in India (“Territory”). If you visit or use one of our Services, your information may be processed in the Territory and/or transferred outside the Territory to other third parties in connection with the Services rendered by us. We currently do not offer products or services to customers outside the Territory.

This Policy only applies to us and not to any third-party sites or services you may access through our website, our mobile application, or by using any of our Services and does not apply to information submitted or collected by websites maintained by other companies or organizations to which we may link or who may link to us. We are not responsible for the actions and privacy policies of third-party websites or services rendered by such parties.

What is Personal Information?

When we use the term “personal information” in this Policy, we mean information that identifies, relates to, describes, is reasonably capable of being associated with, or could reasonably be linked, directly or indirectly, to you, including without limitation sensitive personal information. The term “personal information” does not include aggregated or deidentified information that is maintained in a form that is not reasonably capable of being associated with or linked to you.

Our Collection of Personal Information

From the first moment you interact with us, we are collecting personal information about you. Sometimes we collect personal information automatically when you interact with our services and sometimes, we collect the personal information directly from you. At times, we may collect personal information about you from other sources and third parties, even before our first direct interaction.

Personal Information You Provide

We collect the following personal information you provide in connection with our Services:

• account registration information, such as your name, email, postal address, user name and password, telephone number, and preferences when using our Services;
• information about your personal characteristics, such as your full name, age, phone and/or cell number, date of birth, nationality, gender, signature, utility bills, citizenship, disability, military status, and photographs;
• government-issued identification, such as your social security number or equivalent, driver’s license number, taxpayer identification number/permanent account number, and passport number);
• financial information, such as your bank account information, including without limitation, account and routing numbers, tax information; credit and debit card information, credit history, and credit scores;
• employment-related information, such as your job title and salary information;
• other information you may provide, such as information you provide when you contact us with questions, feedback, survey responses, participation in contests, promotions or other prospective seller marketing forms or devices, suggestions for improvements of our services or products, referrals, or otherwise communicate with us; and
• personal information you affirmatively disclose to us in connection with your interactions with us, including through your use of our Services.