When you use the Services, we may collect Personal Information and other information from you as further described below.
If you create a Prism user account, we will collect certain information that can be used to identify you, such as your name and email.
When you link a bank account at a third party depository institution (your “Linked Account”) to your Prism account, we will collect certain information from your Linked Account, such as your online login credentials, for the purposes of providing the Services to you. When you give us access to your Linked Account, you acknowledge and agree that we will have access to your transaction and funds information, and any other information that may be available through your Linked Account (“Linked Account Information”).
For compliance purposes and in order to provide the Services to you, we may obtain information from you or a third party, including the financial institution providing your Linked Account, to help us verify your identity or Linked Account details.
In order to determine your eligibility to access certain Services, we require Linked Account Information and other Personal Information, as required by United States Federal law, such as your residential address and social security number.
We use various technologies to collect information, and this may include sending cookies to your computer or mobile device. Cookies are small data files that are stored on your hard drive or in device memory by a website. Among other things, cookies support the integrity of our registration process, retain your preferences and account settings, and help evaluate and compile aggregated statistics about user activity. We may also collect information using web beacons. Web beacons are electronic images that may be used in our Services or emails. We may use web beacons to deliver cookies, count visits, understand usage, and determine whether an email has been opened and acted upon.
Our servers automatically record certain data about how our users interact with our Services. This data may include information such as a user’s Internet Protocol (IP) address, browser type, operating system, the pages or features of our Services with which a user interacts, and other statistics. We use this data to improve our Services by tailoring them to our users’ preferences. We may use third party data collection tools such as Amplitude to provide us with analytics data regarding users’ interactions with our Services. You may opt-out of Amplitude’s automatic retention of data collected while using the Services by emailing email@example.com
We collect certain information that your device sends when you use our Services.
When you use our Website, we may collect and store information about your location by converting your IP address into a rough geo-location or by accessing your device’s GPS coordinates or coarse location if you enable location services on your device. We may use location information to improve and personalize our Services for you. If you do not want us to collect location information, you may disable that feature on your device’s browser or system settings.
Our primary goal in collecting Personal Information is to provide you a secure, efficient, and optimized experience while using our Services.
We will never sell your Personal Information. We will not share any Personal Information that we have collected from you, or regarding you, except as described below:
We may engage third-party services providers to work with us to administer and provide the Services. These third-party services providers have access to your Personal Information and Financial Information only for the purpose of performing services on our behalf.
We may share aggregated information and non-identifying information with third parties for industry research and analysis, demographic profiling and other similar purposes.
Personal Information may be disclosed or transferred in connection with, or during the negotiation of, any merger, sale of company stock or assets, financing, acquisition, divestiture, or dissolution of all or a portion of our business.
We cooperate with government and law enforcement officials or private parties to enforce and comply with the law. We may disclose any information about you to government or law enforcement officials or private parties as we, in our sole discretion, believe necessary or appropriate: (i) to respond to claims, legal process (including subpoenas); (ii) to protect our property, rights and safety and the property, rights and safety of a third party or the public in general; and (iii) to stop any activity that we consider illegal, unethical or legally actionable activity.
Subject to certain limitations and exemptions, California residents may seek disclosures as to the categories or specific pieces of Personal Information Prism collects, processes, and stores about them, and may contact us regarding their rights to access and request deletion of their Personal Information. It’s important to note that the California Consumer Privacy Act (CCPA) does not apply to nonpublic personal information collected by financial institutions, including Prism, in connection with providing a financial product or service. Please refer to the CCPA Privacy Notice for further information.
We offer you choices regarding the collection, use and sharing of your Personal Information and we will respect the choices you make. Please note that if you decide not to provide us with the Personal Information that we request, you may not be able to access all of the features of the Services.
Our main form of communication with you will be via email. We may periodically send you free newsletters, emails, and notifications that promote our Services. When you receive such promotional communications from us, you will have the opportunity to “opt-out” (either through the Website or by following the unsubscribe instructions provided in the message). We do need to send you certain communications regarding the Services and you will not be able to opt out of those communications. For example, verifying updates to your account information.
You can access and modify the Personal Information associated with your Prism Account, including your name, address, and Linked Account details, through your profile settings in the Website.
We take reasonable administrative, physical, and electronic measures to protect the information that we collect from or about you (including your Personal Information) from unauthorized access, use or disclosure. When you enter sensitive information on our forms, we encrypt this data using SSL or other technologies when we we transmit it over the internet. However, no method of transmitting information over the Internet or storing information is completely secure and, accordingly, we cannot guarantee the absolute security of any information.
Additionally, all data in our databases is encrypted at rest with AES-256, block-level storage encryption.
Additionally, we do not have access to any personal information you share with 3rd party services.