MerinoFi – Privacy Policy

Last Updated: Dec 15th, 2025

MerinoFi is a financial technology product owned and operated by MerinoCode LLC (“MerinoCode,” “we,” “us,” or “our”).

This Privacy Policy explains how MerinoCode collects, uses, and shares information when you use MerinoFi through our web platform, mobile apps, and Stripe-powered integrations.

This policy applies to U.S. users.

1. Information We Collect

1.1 Information You Provide

Name, email, phone number
Business name, EIN, and formation documents
Identity verification data (government ID, SSN or Tax ID where required)
Support messages and preferences

1.2 Financial & Transaction Data

Collected via Stripe, Plaid (if used), or connected institutions:
- Account numbers (tokenized where possible)

- Balances and transaction histories

- Card activity and payment operations

- Beneficiary/payee/counterparty information

1.3 Mobile App Data (iOS & Android)

Depending on permissions:
- Device model & OS version

- Crash logs and diagnostics

- Push notification tokens

- Optional camera/photo access for:
- ID document verification

- Business document upload

- Custom card artwork

- Biometrics (face/touch) used only for on-device authentication

We do not collect precise GPS location unless explicitly enabled.

1.4 Web Data

We automatically collect:
- IP address, browser type, device identifiers

- Pages visited, referrer URLs, session metadata

- Login attempts and security events

1.5 Cookies & Tracking

We use:
- Essential cookies (auth, security)

- Analytics cookies

- Optional marketing/A/B-testing cookies

Users may adjust cookie settings anytime.

2. How We Use Information

2.1 Service Delivery

To:
- Create and manage accounts

- Authenticate users

- Enable Stripe Treasury and Stripe Issuing features

- Deliver transactions, dashboards, and reporting

- Send required notifications

2.2 Compliance & Fraud Prevention

To:
- Verify identity (KYC)

- Prevent fraud and financial crime

- Satisfy regulatory or banking obligations

2.3 Product Improvement

To:
- Enhance app reliability

- Improve UX and features

- Conduct A/B testing and analytics

2.4 Communications

We send:
- Transactional alerts

- Compliance notices

- Product updates or marketing announcements (opt-out available)

3. How We Share Information

3.1 Stripe (Primary Partner)

We share necessary data with Stripe for:
- Payments

- Deposit accounts

- Card issuance

- Treasury functions

- Compliance operations

Stripe may share information with its Bank Partner(s) to meet regulatory requirements.

3.2 Service Providers

Vendors assisting with:
- Identity verification

- Fraud monitoring

- Cloud hosting

- Data analytics

- Customer support

They may not use data for any other purpose.

3.3 Legal Requirements

We may disclose information when required by:
- Law or regulation

- Court order or subpoena

- Government authorities

- Fraud or security investigations

3.4 Corporate Events

If MerinoCode is involved in a merger, acquisition, or asset transfer, data may be included.

4. Your Rights & Choices

Depending on your jurisdiction, you may request:
- Access to your data

- Corrections to inaccurate data

- Deletion (where permitted)

- Copies of your data (portability)

- Opt-out of marketing communications

5. Data Security

We use:
- Encryption at rest and in transit

- Role-based access controls

- Continuous monitoring

- Secure development practices

Users must safeguard their credentials.

6. Data Retention

We retain data:
- For as long as your account is active

- As required by financial regulations (typically 5–7 years)

- For fraud prevention or dispute resolution

7. Children’s Privacy

MerinoFi is not for individuals under 18.

We do not knowingly collect data from minors.

8. International Data Transfers

Data may be processed in the United States or other jurisdictions using legally approved transfer mechanisms.

9. Changes to This Policy

We may update this policy. Material changes will be communicated via email or in-app notices.

10. Contact Us

MerinoCode LLC (Creator of MerinoFi)

Email: support@merinofi.com

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