Privacy Policy
At Rollfi, Inc, maintaining the trust of our online users is of the utmost importance to us. Therefore, we have developed this Privacy Policy (the “Policy”) to show our commitment to fair information practices and the protection of our users’ privacy, and to explain how we collect, process, use and share information about our users. This Policy applies to our company website, https://www.rollfi.xyz/, and to all other websites that are owned or operated by Rollfi, Inc or its subsidiaries (referred to collectively herein as “Rollfi” or “us” or “we”) and that have this Policy posted (collectively, the “Site” or “Sites”). For purposes of this Policy, “personal information” shall mean any information relating to an identified or identifiable natural person.
This Policy applies only to information we collect, process, and use through our Sites. This policy does not apply to information that we collect through other channels, to any third-party websites that you may be able to access from our Sites, which may have data collection and use practices and policies that materially differ from those described in this Policy, or to any services that may be offered by our business partners.
NOTICE CONCERNING CHILDREN
The Sites are not specifically directed at or intended for children under the age of 13. Therefore, Rollfi does not knowingly collect personal information via the Sites from anyone under 13. Any user that believes that Rollfi has in its database the personal information of a child under the age of 13 should contact us using the email or postal address set forth under “Contact Information” below, so that, if necessary, Rollfi can have such information removed.
WHAT WE COLLECT
We get information about you in a range of ways:
Information You Give Us. We collect information about you to provide our services. In order for us to best provide our services, we may collect your name, postal address, email address, phone number, fax number, username, password, demographic information (such as your gender and occupation) as well as any other information you may elect to give to us directly in connection with your use of our Sites. Depending on how you interact with the Sites, the personal information we collect from you may vary. We retain the personal information you provide unless or until you request that we delete it. Such information may include the following:
Financial Information, such as:
Bank account and routing number.
Bank account balance and transaction information.
Network information regarding transactions.
Identification Information, such as:
Name, mailing address, email address, phone number, birthdate.
Social Security number, Taxpayer Identification number.
Government-issued documentation, such as drivers license or passport.
Taxpayer Information, such as:
Federal Employer Identification Number (FEIN).
Tax withholding selections, including how many dependents you have, jobs you’ve worked in a year, and your tax filing status.
Health and Welfare Benefits Information, such as:
Identification information for you and your dependents.
Life events and conditions that impact benefits eligibility, including marital status, employment information, and illness or disability information.
Insurance policy information, including plan numbers, benefits and coverage information, and premium amounts.
Insurance claim information, including monetary amounts, CPT codes, and other information required to process or verify claims.
Information We Get From Others. We may get information about you from other sources. We may add this to information you have given to us via the Sites.
Information Automatically Collected. When you use the Sites, your device is automatically providing information to us so we can respond and customize our services to you. The type of information we collect by automated means generally includes technical information about your computer, such as your IP address or other device identifier, the type of device you use, and operating system version. Therefore, we may automatically log information about you and your computer. For example, when visiting a Site, we may log your computer operating system type, browser type, browser language, the website you visited before browsing to our Site, pages you viewed, how long you spent on a page, access times and information about your use of and actions on our Site.
Cookies. We may log information using “cookies.” Cookies are small data files stored on your computer or mobile device that relate to a website you have visited or used. We may use both session cookies (which are stored in temporary memory, are not retained after a browsing session ends, and do not collect information from a user’s device) and persistent cookies (which remain in a browser’s sub-folder after the user closes their browser, are activated again once the user visits the online location that created the particular cookie, and remain for the duration period set within the cookie’s file or until deleted) to provide you with a more personal and interactive experience on our Sites. Cookies may help make the Site more useful to you and tailor the experience with us to meet your special interests and needs.
Promotions, advertisements, or other third-party content displayed on the Sites may also contain cookies, and Rollfi does not have access to or control over information collected by outside advertisers when a user clicks on any such promotions or advertisements.
You can typically remove and reject cookies from our Site with your browser settings. Many browsers are set to accept cookies until you change your settings. If you remove or reject our cookies, it could affect how our Site works for you.
Pixel Tags. “Pixel Tags” are tiny graphics with a unique identifier, similar in function to cookies. In contrast to cookies, which are stored on your computer's hard drive, Pixel Tags are embedded invisibly on web pages. We may use Pixel Tags (also referred to as web beacons or clear GIFs), in connection with our services to, among other things, track the activities of users of our services, help us manage content, and compile statistics about usage of our services. We and our third-party service providers may also use Pixel Tags in HTML emails to our customers, to help us track email response rates, to identify when our emails are viewed, and to track whether our emails are forwarded.
Do Not Track. Rollfi understands that some users may have enabled a “do not track” feature or other mechanism intended to provide consumers with a choice regarding the collection of their personally identifiable information; however, consistent with our rights under applicable law, our Sites do not support or respond to do-not-track requests or other signals sent from a web browser.
USE OF PERSONAL INFORMATION
We use the information we collect in order to best provide our services. Where you have provided us with your personal information, we may use that information in the following ways:
To operate our business, including to:
process payment transactions;
manage and enforce contracts with you or with third parties;
manage our corporate governance, compliance, and auditing practices;
recruit new hires, if you submit an application for employment with Rollfi;
generate anonymized or aggregated data;
To provide you with personalized content, services, and offers of services by Rollfi, as well as to determine relevant search results and provided you with recommendations.
To operate, maintain, and improve our sites, products, and services;
To respond to comments and questions and provide customer service;
To send information including confirmations, invoices, technical notices, updates, security alerts, and support and administrative messages;
To communicate about promotions and other news about products and services offered by us and our selected partners;
To further develop your user profile (which may include information collected elsewhere), or to update other user information we may have about you;
To protect, investigate, and deter against fraudulent, unauthorized, or illegal activity;
To provide and deliver products and services in response to our customers’ requests.
Depending on how you interact with our Site, the personal information we collect and the way in which it is used may vary. When we collect any information that does not identify you as a specific natural person, we are permitted to use and disclose this information for any purpose, notwithstanding anything to the contrary in this Policy, except where we are required to do otherwise by applicable law. Similarly, if applicable law requires that we treat such non-personal information as personal information, we will use and disclose this information as personal information in accordance with this Policy.
STORAGE OF PERSONAL INFORMATION
When we share your personal information with our trusted partners, they may store some of your personal information in their databases in the United States, or elsewhere in the world. If you are accessing this website from jurisdictions outside the United States, please be advised that you may transferring your personal information to us in the United States where data protection and privacy laws may be less stringent than the laws of your country.
BY USING OUR WEBSITE, YOU CONSENT TO THE TRANSFER AND USE OF YOUR PERSONAL INFORMATION IN ACCORDANCE WITH THIS PRIVACY POLICY.
HOW WE SECURE PERSONAL INFORMATION
RollFi has implemented safeguards and security measures designed to protect against the loss, misuse, or unauthorized access or disclosure of your Personal Information under our control, and operates in compliance with Regulation P, 12 C.F.R. § 1016. We also take measures to protect the Personal Information we disclose to third parties. These measures include computer safeguards and secured files. Please be aware though that, despite our efforts, no security measures are perfect or impenetrable.
SHARING OF PERSONAL INFORMATION
We may share personal information as follows:
With Service Providers that have signed an agreement with us that limits how they use your information and promises to keep your information confidential. Examples include:
The institutions specifically listed in the “Electronic Fund Transfers (EFTs) and Account Balances” section below.
Other banks, financial institutions, and credit bureaus.
Companies or organizations that provide services such as website hosting (ex: AWS), customer management (ex: Salesforce) and customer service.
With Business Partners with whom we jointly offer products or services. Examples include:
Third-party partners that provide services through our Site or Services, such as accounting software (ex: Xero) and 401(k) management (ex: Guideline). Some partners offer you their services through Rollfi’s Application Program Interface (API) or Software Development Kits (SDKs). For more information about Rollfi’s use of APIs and SDKs, please contact us.
We may share personal information with your consent. For example, you may consent to our sharing of personal information with others for their own marketing uses. Those uses will be subject to their privacy policies.
We may share personal information when we do a business deal, or negotiate a business deal, involving the sale or transfer of all or a part of our business or assets. These deals can include any merger, financing, acquisition, or bankruptcy transaction or proceeding.
We may share personal information for legal, protection, and safety purposes.
We may share information to comply with laws.
We may share information to respond to lawful requests and legal processes.
We may share information to protect the rights and property of Rollfi, our agents, customers, and others. This includes enforcing our agreements, policies, and terms of use.
We may share information in an emergency. This includes protecting the safety of our employees and agents, our customers, or any person.
We may share information with those who need it to do work for us.
We may also share aggregated and/or anonymized data with others for their own uses.
ELECTRONIC FUND TRANSFERS (EFTS) AND ACCOUNT BALANCES
Rollfi inc partners with banking services provider Stearns Bank N.A., Stearns Bank Holdingford N.A., and Stearns Bank Upsala N.A. (collectively called “Stearns”), member FDIC, to offer you electronic fund transfers (“EFTs”). When you create an account on the Site, link a bank account, or initiate an EFT, you are authorizing us to share your identity and banking information with Stearns to support your account. You are also agreeing to the terms of Stearns’ website user agreement, https://www.stearnsbank.com/website-policy, electronic banking agreement, https://cdn2.hubspot.net/hubfs/634683/pdfs/ElectronicBankingAgreement.pdf, online privacy notice, https://www.stearnsbank.com/online-privacy-notice, U.S. consumer privacy notice, https://www.stearnsbank.com/consumer-privacy-notice, privacy and security notice, https://www.stearnsbank.com/security, and Bank’s other policies and agreements, https://www.stearnsbank.com/policies-notices-agreements (the “Partner Terms”). It is your responsibility to make sure the data you provide us is accurate and complete, which is necessary for our partners to process EFTs on your behalf. The Partner Terms may be modified from time to time, and the governing versions are incorporated by reference into this Policy. Any term not defined in this section but defined in the Partner Terms assumes the meaning as defined in the Partner Terms. IT IS YOUR RESPONSIBILITY TO READ AND UNDERSTAND THE PARTNER TERMS BECAUSE THEY CONTAIN TERMS AND CONDITIONS CONCERNING YOUR ACCOUNT ON THE SITE, INCLUDING BUT NOT LIMITED TO USE OF YOUR PERSONAL INFORMATION.
LINKS
Our Sites may include links to third-party websites. We are not responsible for the content or privacy practices of those other sites, which are governed by their own privacy policies and practices.
YOUR LEGAL RIGHTS OVER YOUR PERSONAL INFORMATION
Where allowed under local law, you may have the right to submit a request for access to the data we hold about you. Further, Rollfi will correct inaccurate or out-of-date information about you at your request or when we become aware of the error. You can request that your data be made available for you to download or other export as well. Finally, you may request that Rollfi delete certain data we hold about you. However, your data will not be deleted in the following situations:
If you have any open or ongoing matter with Rollfi’s customer service or technical support personnel; or
When retention is required by applicable law or for legal enforcement purposes.
To exercise these rights where allowed under your applicable local law, please contact us by email or postal mail using the information set forth under “Contact Information” below. Rollfi will respond to your request within a reasonable timeframe in accordance with the applicable law.
Your California Privacy Rights
If you are a California resident, you may request a list of all third parties to which we have disclosed certain personal information during the preceding year for those third parties’ direct marketing purposes. If you are a California resident and want to obtain such a list, please contact us by email or postal mail using the information set forth under “Contact Information” below. Please ensure that you include the statement “Your California Privacy Rights” in the body of your request, as well as your name, street address, city, state, and zip code.
Our websites may not respond to browser do-not-track signals.
Under the California Consumer Privacy Act of 2018 (“CCPA”), California consumers have the right to request:
the deletion of the personal information we have about them;
additional information about whether and how we have collected, used, disclosed, and sold personal information about them;
the specific pieces of personal information we have about them; or
that we opt them out of the “sale” of their personal information.
California consumers also have the right not to receive discriminatory treatment if they exercise the California privacy rights listed above.
California consumers may exercise their right to opt-out by emailing Rollfi at the address listed in the “Contact Information” below with subject line “Exercising the Right to Deletion and to Know About Information Collected.”
Your Nevada Privacy Rights
If you are a resident of Nevada, you have the right to opt-out of the sale of certain personal information to third parties who intend to license or sell that personal information. Please note that we do not currently sell your personal information as sales are defined in Nevada Revised Statutes Chapter 603A. If you have any questions, please contact us as set forth below.
INFORMATION CHOICES AND CHANGES
Our marketing emails provide the ability for you to “opt-out.” If you choose to opt out, we may still send you non-marketing emails. Non-marketing emails include emails about your accounts and our business dealings with you.
You may send requests about personal information by email or postal mail to the address listed in our Contact Information below. Such requests can include requests to update your personal information, change contact choices, and opt-out of our sharing information with third parties.
As noted above, you can typically remove and reject cookies from our Sites with your browser settings. Many browsers are set to accept cookies until you change your settings. Please note that removing or rejecting cookies may affect your ability to use features of our Sites to their fullest potential.
CONTACT INFORMATION. We welcome your comments or questions about this Policy. You may contact us at the following addresses:
Rollfi, Inc.
169 Madison Ave #2153
New York, NY 10016
support@rollfi.xyz
CHANGES TO THIS POLICY.
We reserve the right to revise this Policy from time to time (e.g., to keep up with changes in the law, or to reflect changes in how we are doing business). In the event that this Policy is modified in any way, we will use commercially reasonable efforts to notify users of any changes. Therefore, we suggest you review this Policy periodically to ensure you are aware of our current privacy practices.