NorthOne Privacy Policy

Introduction

This privacy and cookie policy (“Policy”) describes how NorthOne, Inc. (“NorthOne,” “we,” and “our”) collects, uses and shares your personal data when you use NorthOne’s applications, including our application known as “NorthOne” (each, a “App” and collectively, the “Apps”) and the services provided in connection therewith (the “Services”). Our Services act as a portal or interface that enables users to access certain financial products and banking services made available by NorthOne’s partnering financial institution (the “Bank”). Please read the following information carefully to understand our views and practices regarding your personal data and how we will treat it.

Particularly Important Information

Who we are: For the purpose of applicable data protection legislation, the data controller of your personal data is NorthOne, Inc. of 18 W 18th St, New York, NY 10011.

BANK INFORMATION: You may contact NorthOne at any time to request information about the Bank by emailing us at support@northone.com.

Must Read Sections: We draw your attention in particular to the sections entitled “International Data Transfer” and “Your Rights.”

Changes to this Policy: We will post any modifications or changes to the Policy on our Apps/Services. We reserve the right to modify the Policy at any time, so we encourage you to review it frequently. The “Last Updated” legend above indicates when this Policy was last changed. If we make any material change(s) to the Policy, we will notify you via email and/or post a notice on our Apps/Services prior to such changes(s) taking effect.

1. PURPOSES OF PROCESSING

What is personal data?
We collect information about you in a range of forms, which could include any information which, either alone or in combination with other information we hold about you, identifies you as an individual, for example, your name, date of birth, social security number, postal address, email address and telephone number.

Why do we need your personal data?
We need certain personal data in order to provide you with access to the Apps/Services. We will only process your personal data in accordance with applicable data protection and privacy laws.Learn more

2. COLLECTING YOUR PERSONAL DATA

We collect information about you in the following ways:

Information You Give Us.
This includes:

the personal data you provide when you sign-up for, and/or login to, your account, such biometric data used for facial and/or touch/fingerprint ID recognition purposes, as well as any other information you submit during the registration process, including name, email, and company name;
the personal data you provide when you access and use the financial and banking products and services made available by the Bank via our Apps/Services;
the personal data you provide when you report a problem with our Apps/Services or when we provide you with customer support; and
the personal data you provide when you correspond with us by email or otherwise.

Information We Get from the Bank.
We may also get information about you from the Bank, for example, your financial accountant information and transaction history, in order to provide you the Services and information you request from the Bank.

Information Automatically Collected.
We automatically log information about you and your computer or mobile device when you access our Apps/Services. For example, when visiting our Apps/Services, we log your computer or mobile device operating system name and version, manufacturer and model, browser type, browser language, screen resolution, the website you visited before browsing to our Apps/Services, pages you viewed, how long you spent on a page, access times and information about your use of and actions on our Apps/Services. We collect this information about you using cookies. Please refer to the sections on cookies.

Automated Decision Making and Profiling.
We may use automated decision making and/or profiling in regard to your personal data for some services and products, for example if you opt-in to see if you pre-qualify for certain financial products of the Bank, we may use the information you provide to automatically determine whether you pre-qualify for such products. You can request a manual review of the accuracy of an automated decision that you are unhappy with or limit or object to such automated decision making and/or profiling by contacting us at: support@northone.com.

3. COOKIES

What are cookies?
We may collect information using “cookies.” Cookies are small data files stored on the hard drive of your computer or mobile device by a website. We may use both session cookies (which expire once you close your web browser) and persistent cookies (which stay on your computer or mobile device until you delete them) to help analyze how you use our Apps/Services to improve their design, efficiency and use.

We use two broad categories of cookies: (1) first party cookies, served directly by us to your computer or mobile device, which are used only by us to recognize your computer or mobile device when it revisits our Apps/Services; and (2) third party cookies, which are served by service providers on our Apps/Services, and can be used by such service providers to recognize your computer or mobile device when it visits other websites.

Cookies we use
Our Apps/Services use the following types of cookies for the purposes set out below:
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Type of cookie

Purpose

Essential Cookies

These cookies are essential to provide you with services available through our Apps/Services and to enable you to use some of its features. For example, they allow us to identify whether you have downloaded the App, or determine whether you qualify for certain features offered through the Apps/Services.Without these cookies, the services that you have asked for cannot be provided, and we only use these cookies to provide you with those services.

Functionality Cookies

These cookies allow our Apps/Services to remember choices you make when you use our Apps/Services, such as remembering your language preferences, remembering your login details and remembering the changes you make to other parts of our Apps/Services which you can customize. The purpose of these cookies is to provide you with a more personal experience and to avoid you having to re-enter your preferences every time you visit our Apps/Services.

Analytics and Performance Cookies

These cookies are used to collect information about traffic to our Apps/Services and how users use our Apps/Services. The information gathered does not identify any individual visitor. It includes the number of visitors to our Apps/Services, the websites that referred them to our Apps/Services, the pages they visited on our Apps/Services, what time of day they visited our Apps/Services, whether they have visited our Apps/Services before, and other similar information. We use this information to help operate our Apps/Services more efficiently, to gather broad demographic information and to monitor the level of activity on our Apps/Services.

We use Google Analytics, Mixpanel and Segment for this purpose.

Google Analytics, Mixpanel and Segment each use their own cookies. These cookies are only used to improve how our Apps/Services works.

You can find out more information about Google Analytics cookies here: https://developers.google.com/analytics/resources/concepts/gaConceptsCookies

You can find out more about how Google protects your data here: www.google.com/analytics/learn/privacy.html.

You can prevent the use of Google Analytics relating to your use of our Apps/Services by downloading and installing the browser plugin available via this link: http://tools.google.com/dlpage/gaoptout?hl=en-GB

You can find out more information about how Mixpanel processes your data here: https://mixpanel.com/legal/privacy-policy

You can find out more information about how Segment processes your data here: https://segment.com/docs/legal/privacy.

Referral cookies

We may place cookies on the websites of our third party partners to track those users who click on links to our website and/or download our Apps. We use this information to help identify the effectiveness of our partners’ links and comply with our requirements with such partners.

Disabling cookies
You can typically remove or reject cookies via your browser settings. In order to do this, follow the instructions provided by your browser (usually located within the “settings,” “help” “tools” or “edit” facility). Many browsers are set to accept cookies until you change your settings.
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Further information about cookies, including how to see what cookies have been set on your computer or mobile device and how to manage and delete them, visit www.allaboutcookies.org and www.youronlinechoices.com.uk.

If you do not accept our cookies, you may experience some inconvenience in your use of our Apps/Services. For example, we 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.

4. DO NOT TRACK SIGNALS

Some Internet browsers may be configured to send "Do Not Track" signals to the online services that you visit. We currently do not respond to do not track signals. To find out more about "Do Not Track," please visit http://www.allaboutdnt.com.