Last Updated: October 2022
We are committed to maintaining the privacy and confidentiality of our customers’ personal information. In the course of offering and your access of the financial products and services, we may collect,receive, or maintain personal information about you. This information can come from information you provide on applications or other forms, through your inquiries by mail, e-mail, or telephone, or by other means.
This policy explains what personal information we collect and how we use and share such personal information. It also explains what you can do to limit the use and sharing of your personal information. We do not disclose personal information about our customers to non-affiliated third parties, except as described below.
Yield may periodically collect information from you through automated means. When you browse our site, use the iOS and Android applications, use our services, or read our emails or newsletters, we may use “cookies” or other online tracking technologies (including pixel tags, web beacons, clear GIFs and device fingerprints) in order to provide better service, facilitate your use of the site or services, store online preferences, track usage of the site or services, tailor the marketing of business services, or enhance security. Yield does not store login credentials used to link Account information.
Some of our cookies are used for web analytics and intelligence about our website. We may also use web beacons or other technologies for similar purposes and we may include these in marketing email messages or our newsletters in order to determine whether messages have been opened and links have been clicked on. Web beacons do not place information on your device but may work in conjunction with cookies to monitor online activity.
By using our site or applications you agree that we can place cookies on your device and use other online tracking mechanisms as explained in this privacy notice. You may be able to control your acceptance of cookies and similar technologies on a website, and most devices and browsers offer their own privacy settings for cookies. You will need to manage your cookie settings for each device and browser you use. If you do not accept cookies, you may experience some inconvenience in your use of some sites and online products. For example, a website may not be able to recognize your device and you may need to answer challenge questions or provide additional information each time you log on.
To help us prevent fraud, protect the safety and security of our users, provide our services to you, and improve our services, we collect location data, including current and historical information concerning a user’s geographic location, GPS location, transaction location, and IP addresses that are used in conjunction with our services. We collect your precise location data with your permission, and use that information, for example, to help protect against fraud by detecting and declining debit card transactions that may occur far away from your device’s location. You may decline to allow us to collect such geolocational information, in which case Yield may not be able to provide certain features or functionalities to you.
We also may obtain information on the mobile device you use, including the Universally Unique Identifier, advertising identifier (“IDFA” or “AdID”), operating system and version, wireless carrier, and network type. This information may be used to identify system issues and for marketing purposes
If you subscribe to any of our electronic newsletters, we will use your name and email address to send the newsletter to you. You can unsubscribe at any time following the instructions at the bottom of these electronic newsletters or you can contact us at the information below. We also may collect information from you derived or resulting from voluntary surveys
By providing your phone number you expressly consent to Yield and/or its agents calling or texting you using an automated telephone dialing system and/or prerecorded messages, even if you incur charges for receiving such communications. You may request to be removed from phone or text communications by emailing [email protected] informing the agent that contacts you.
With your permission, we may access your contact list on your mobile device or in your email accounts so that you can identify your contacts using our services and direct the invitation of your contacts for our services. We store and use this information to suggest referrals or connections and for other reasons related to our services.
We may use third-party analytics services (for example, we use Google Analytics, Facebook, and others) to evaluate your use of the platform, compile reports on activity, analyze performance metrics, and collect and evaluate other information relating to the platform and mobile and internet usage. For more information on these third parties, including how to opt out of certain data collection, please visit www.google.com/analytics. Please be advised that if you opt out of any of these services, you may not be able to use the full functionality of the platform. Additionally, all browsing information is collected in the aggregate, de-identified and anonymized.
Do Not Track (“DNT”) is a privacy preference that users can set in certain web browsers. At this time, we do not recognize or respond to DNT signals.
With regard to our internal security procedures, we restrict access to your personal and account information to those employees who “need to know” the information in order to provide products and services to you. We maintain reasonable physical, administrative, and technical safeguards to protect your personal information. We conduct regular internal audits of our business practices and procedures in order to protect your personal information.
We may also disclose your personal information as required by law, such as to comply with a subpoena, or similar legal process and when we believe in good faith that disclosure is necessary to protect our rights, protect your safety or the safety of others, investigate fraud, or respond to a government request.
Third Party Services
If you choose to apply for a Yield Visa® debit card, you understand that such card is issued by Evolve Bank & Trust and you agree to comply with https://www.getevolved.com/privacy-policy/
If you choose to use Yield Instant Help chatbot, you understand the chatbot is provided by Yield in partnership with Ada Support Inc. and you agree to comply with Ada Support Inc.’s Privacy
Retention of Your Information
Information connected to you that is no longer necessary and relevant to provide our services may be aggregated with other non-personal data to provide insights which are commercially valuable to Yield, such as statistics of the use of Yield Services.
We do not knowingly collect or solicit any information from anyone under the age of 18 on our services. In the event that we learn that we have inadvertently collected personal information from a child under age 18, we will not allow the user to continue using our services and we will take reasonable steps to delete this information. If you believe that we might have any information from a child under 18, please contact us at [email protected]
California Privacy Rights
If you are a California resident, California law requires us to provide you with some additional information regarding how we collect, use and share your “personal information” (as defined in the California Consumer Privacy Act (“CCPA”)), other than the personal information we collect in connection with providing financial products and services. The CCPA, however, does not apply to all Yield entities.
Depending on how you interact with our website and services, we may collect the following categories of personal information about you, in addition to the information we collect in connection with providing financial products and services:
- Identifiers, such s your name and contact information, IP address, and mobile device identifiers
- Internet usage information, such as browsing history, access history, and use and interaction with our website.age information, such as browsing history, access history, and use and interaction with our website.
Your California Privacy Rights
If you are a California resident, you may have certain rights. Subject to certain limitations and exceptions, California law may permit you to request that we:
- Provide you the categories of personal information we have collected or disclosed about you in the last twelve months; the categories of sources of such information; the business or commercial purpose for collecting or distributing your personal information; and the categories of third parties with whom we shared personal information.
- Provide access to and/or a copy of certain information we hold about you.
- Delete certain information we may have about you.
California law permits consumers to request, once per year, that we disclose the identity of any third parties with whom we have shared personal information for the third parties’ direct marketing purposes within the previous calendar year, along with the type of personal information disclosed. Please contact [email protected]such requests.
Updates to this Policy
For questions about our policy, or for additional copies of this notice, please email us at [email protected]
To limit our sharing
Email us at [email protected] note: If you are a new customer, we can begin sharing your information 30 days from the date we sent this notice. When you are no longer our customer, we continue to share your information as described in this notice. However, you can contact us at any time to limit our sharing
Email us at [email protected]