Privacy Policy

This Privacy Policy applies to information collected through:

• The FiChecks website
• Mobile applications
• APIs and developer platforms
• Customer dashboards
• Payment portals
• Direct Deposit services
• Check printing and mailing services
• Electronic check services
• Customer support channels
• Marketing communications
• Social media interactions where applicable
• Any other digital or offline interactions with FiChecks

This Privacy Policy also applies to information collected from prospective customers, existing customers, business partners, vendors, and authorized representatives who interact with FiChecks.

This Privacy Policy does not apply to third-party websites, applications, or services that are not owned or controlled by FiChecks. We encourage you to review the privacy policies of those third parties before providing them with your information.

FiChecks is a financial technology platform that enables businesses and individuals to manage payment operations securely and efficiently.

Depending on the services you use, FiChecks may facilitate:

• Printing and mailing paper checks
• Electronic checks (eChecks)
• Direct Deposit
• Domestic payment processing
• International payment processing
• Cross-border payment delivery
• ACH payment processing
• Payment automation
• Business payment workflows
• Financial reporting
• Developer APIs and integrations

FiChecks works with regulated financial institutions, payment processors, technology providers, mailing partners, cloud infrastructure providers, and other trusted service providers to deliver these services.

For purposes of this Privacy Policy:

Account means your registered FiChecks account.

Personal Information means information that identifies or can reasonably identify an individual, either directly or indirectly.

Business Information means information relating to a company, organization, employer, or business entity.

Financial Information means banking information, payment information, transaction records, and financial account details used to provide payment services.

Transaction Data means information relating to payments, transfers, checks, deposits, recipients, senders, invoices, and payment history.

Services means all products, software, websites, applications, APIs, payment services, and related offerings provided by FiChecks.

User means any individual or business using our Services.

Processing means any operation performed on information, including collection, recording, organization, storage, use, disclosure, transfer, deletion, or destruction.

Controller means the entity determining the purposes and means of processing Personal Information where applicable under relevant privacy laws.

Processor means an entity processing Personal Information on behalf of another entity.

FiChecks is committed to handling information responsibly. Our privacy practices are guided by the following principles:

Lawfulness

We process information only where we have a lawful basis or your consent, where required by applicable law.

Transparency

We clearly explain what information we collect, why we collect it, and how it is used.

Data Minimization

We collect only the information reasonably necessary to provide our Services, comply with legal obligations, enhance security, and improve user experience.

Accuracy

We strive to maintain accurate and up-to-date information and encourage users to promptly update their account information when changes occur.

Security

We implement administrative, technical, and physical safeguards designed to protect information against unauthorized access, disclosure, alteration, or destruction.

Accountability

We regularly review our privacy practices and maintain internal controls designed to support compliance with applicable privacy and data protection laws.

By accessing or using FiChecks, creating an account, integrating our APIs, submitting payment information, or otherwise interacting with our Services, you acknowledge that:

• You have read this Privacy Policy.
• You understand how FiChecks processes your information.
• You consent to the practices described in this Privacy Policy where consent is required by applicable law.
• You understand that certain information must be processed in order for FiChecks to provide payment and financial services.
• You agree that FiChecks may update this Privacy Policy from time to time as described in the “Changes to this Privacy Policy” section.

If you are using FiChecks on behalf of a business or organization, you represent that you are authorized to accept this Privacy Policy on behalf of that entity.

7.1 Personal Information

We may collect Personal Information that identifies or relates to an individual user.

Depending on your use of our Services, this may include:

Identity Information

• Full name
• Preferred name
• Date of birth (where required)
• Government-issued identification details for identity verification
• Tax identification numbers where legally required
• Signature or digital signature
• Profile photograph (if voluntarily provided)

Contact Information

• Email address
• Mobile phone number
• Business telephone number
• Mailing address
• Billing address
• Shipping address
• Country and state of residence

Account Information

• Username
• Account credentials
• Password (stored using secure hashing mechanisms and never in plain text)
• Multi-factor authentication preferences
• Security questions and answers, where applicable
• Account preferences and settings

7.2 Business Information

If you use FiChecks on behalf of an organization or business, we may collect information relating to your business.

Examples include:

• Business name
• Business address
• Business email
• Business phone number
• Website URL
• Industry
• Company registration details
• Employer Identification Number (EIN) or equivalent
• GST, VAT, or other tax registration numbers, where applicable
• Authorized representatives
• Business ownership information where legally required
• Corporate banking information
• Business licenses where required for compliance

7.3 Financial Information

To facilitate payment processing and financial services, FiChecks may collect financial information necessary to complete authorized transactions.

Examples include:

Bank Information

• Bank account numbers
• Routing numbers
• IBAN
• SWIFT/BIC codes
• Branch information
• Bank names

Payment Information

• Payment methods
• Funding sources
• Payment preferences
• Recipient payment details
• Check payment information
• Direct Deposit information

Transaction Information

• Payment amount
• Transaction identifiers
• Invoice references
• Payment purpose
• Payment descriptions
• Payment dates
• Settlement information
• Currency
• Exchange rate information
• Transaction status
• Returned payment details
• Chargeback information where applicable

FiChecks only processes financial information necessary to provide requested Services and to comply with applicable legal and regulatory obligations.

7.4 Recipient Information

When you send payments using FiChecks, we may collect information relating to recipients designated by you.

Examples include:

• Recipient name
• Business name
• Mailing address
• Email address
• Phone number
• Bank account information
• Direct Deposit information
• Check delivery address
• Payment preferences
• Tax information where legally required

You represent that you have the necessary rights and permissions to provide recipient information to FiChecks for payment processing purposes.

7.5 Identity Verification Information

Where required by applicable laws, regulations, banking partners, or fraud prevention requirements, FiChecks may collect information necessary to verify identity.

This may include:

• Government-issued identification documents
• Passport information
• Driver’s license
• National identification card
• Selfie verification
• Proof of address
• Business verification documentation
• Beneficial ownership information
• Tax documentation
• Know Your Customer (KYC) documentation

Identity verification may be performed directly by FiChecks or through trusted third-party verification providers.

7.6 Technical Information

When you use our website, applications, APIs, or other Services, certain technical information is collected automatically.

Examples include:

• IP address
• Browser type
• Browser version
• Operating system
• Device identifiers
• Mobile device information
• Screen resolution
• Language preferences
• Time zone
• Referring website
• Session identifiers
• Crash reports
• Performance metrics
• API request information
• Log files

This information helps us maintain system security, improve performance, detect fraud, and troubleshoot technical issues.

7.7 Usage Information

We collect information regarding how users interact with our Services.

Examples include:

• Pages visited
• Features used
• Navigation behavior
• Time spent within Services
• Search queries
• Clickstream information
• User preferences
• Interaction history
• Product usage analytics
• Login activity
• Session duration
• Error events

Usage information assists us in improving the quality, reliability, accessibility, and functionality of our Services.

7.8 Device Information

Depending on your device and permissions, we may collect:

• Device model
• Device manufacturer
• Device operating system
• Device version
• Mobile carrier
• Push notification token
• Device language
• Device region
• Application version
• Network information
• Security settings

7.9 Location Information

We may collect approximate geographic information based on:

• IP address
• Browser settings
• Device settings
• Payment routing information

Where permitted by applicable law and with your consent where required, we may also collect more precise location information if necessary for fraud prevention, security, or regulatory compliance.

7.10 Cookies and Similar Technologies

FiChecks uses cookies and similar technologies to operate, secure, and improve our Services.

These technologies may collect information including:

• Session identifiers
• Authentication status
• Browser preferences
• Device preferences
• Language settings
• Analytics information
• Performance data
• Security information
• Fraud prevention signals

For additional details regarding cookies and your choices, please refer to our Cookie Policy.

7.11 Communications

If you communicate with FiChecks, we may collect information contained within those communications.

Examples include:

• Emails
• Support tickets
• Live chat messages
• Phone call recordings where permitted by law
• Customer feedback
• Survey responses
• Product reviews
• Social media communications
• Requests submitted through contact forms

These communications help us respond to inquiries, improve customer support, investigate issues, and maintain service quality.

7.12 Information from Third Parties

We may receive information about you from trusted third-party sources to provide, secure, and improve our Services.

These sources may include:

• Financial institutions
• Banking partners
• Payment processors
• Identity verification providers
• Fraud prevention services
• Credit bureaus, where permitted by law
• Business information providers
• Government agencies
• Regulatory authorities
• Public databases
• Marketing partners
• Analytics providers
• Advertising partners
• Technology integration partners
• Employers or organizations that authorize your use of FiChecks
• Other users who provide your information to facilitate payments

We combine information obtained from third parties with information we collect directly to enhance account security, improve service accuracy, comply with legal obligations, and deliver requested Services.

7.13 Information You Choose to Provide

You may voluntarily provide additional information to FiChecks, including:

• Profile photographs
• Company logos
• Business documents
• Payment notes
• Uploaded files
• Customer support attachments
• API documentation submissions
• Marketing preferences
• Product feedback
• Testimonials
• Survey responses

Providing optional information is generally voluntary; however, choosing not to provide certain information may limit your ability to access specific features or Services.

8.1 To Provide Our Services

We use your information to operate, maintain, and deliver the Services you request.

This includes:

• Creating and managing your FiChecks account
• Authenticating users
• Processing account registrations
• Managing account preferences
• Providing customer dashboards
• Delivering requested products and services
• Managing user permissions
• Providing account notifications
• Supporting API integrations
• Managing developer accounts

Without certain information, we may be unable to provide some or all of our Services.

8.2 Payment Processing

A core function of FiChecks is facilitating secure payment transactions.

We use your information to:

• Process payment requests
• Print and mail paper checks
• Deliver electronic checks (eChecks)
• Process Direct Deposit transactions
• Facilitate ACH transfers
• Process domestic payments
• Process international payments
• Support cross-border payment services
• Validate payment instructions
• Route transactions to financial institutions
• Monitor transaction status
• Resolve payment failures
• Process refunds where applicable
• Reconcile payment records
• Generate payment confirmations

Financial information is processed only as necessary to complete authorized transactions.

8.3 Direct Deposit Services

If you use FiChecks Direct Deposit services, we use your information to:

• Verify recipient banking information
• Validate account ownership where required
• Process payroll deposits
• Execute scheduled deposits
• Process recurring payments
• Generate payment confirmations
• Maintain payment history
• Resolve deposit failures
• Comply with banking requirements

8.4 Check Printing and Mailing Services

For users utilizing check issuance and mailing services, we use your information to:

• Generate printable checks
• Validate recipient information
• Print payment documents
• Coordinate secure mailing
• Track mailing status where available
• Process returned mail
• Reissue payments when authorized
• Maintain payment records

8.5 Identity Verification

To protect users and comply with applicable laws, FiChecks may use your information to verify identities.

This includes:

• Confirming account ownership
• Verifying government-issued identification
• Performing Know Your Customer (KYC) checks
• Confirming business ownership
• Validating authorized representatives
• Screening against sanctions lists where required
• Reducing identity fraud

Identity verification may be conducted internally or through trusted third-party providers.

8.6 Fraud Prevention and Security

Protecting users and preventing financial crime is a core priority.

We use information to:

• Detect suspicious transactions
• Prevent unauthorized account access
• Identify fraudulent payment activity
• Monitor unusual login behavior
• Detect account compromise
• Prevent money laundering activities where required
• Identify phishing attempts
• Prevent abuse of our Services
• Investigate security incidents
• Protect the integrity of our platform

Fraud monitoring may involve automated systems as well as manual review by authorized personnel.

8.7 Customer Support

We use your information to provide assistance and resolve issues.

Examples include:

• Responding to inquiries
• Verifying account ownership
• Troubleshooting technical issues
• Resolving payment disputes
• Processing support requests
• Following up on reported issues
• Improving support quality
• Maintaining support history

Support interactions may be recorded or retained where permitted by applicable law.

8.8 Communications

We use your information to communicate with you regarding your account and our Services.

Examples include:

• Transaction confirmations
• Payment notifications
• Security alerts
• Login notifications
• Password reset messages
• Product updates
• Service announcements
• Maintenance notifications
• Customer support responses
• Legal notices
• Policy updates

These communications are considered necessary for the operation and security of your account.

8.9 Marketing Communications

Where permitted by applicable law, FiChecks may use your information to send:

• Product announcements
• Feature updates
• Educational content
• Promotional offers
• Industry insights
• Event invitations
• Surveys
• Newsletters

You may opt out of marketing communications at any time by using the unsubscribe link included in our emails or by updating your communication preferences within your account.

Opting out of marketing communications does not affect service-related or legally required communications.

8.10 Improving Our Services

We continuously improve FiChecks based on user feedback and platform performance.

Information may be used to:

• Develop new features
• Improve user experience
• Enhance payment workflows
• Optimize platform performance
• Improve reliability
• Conduct product research
• Analyze customer feedback
• Identify usability issues
• Improve accessibility
• Enhance API functionality

Whenever possible, we use aggregated or de-identified information for analytics and product development.

8.11 Analytics and Performance Monitoring

We analyze information to better understand how our Services are used.

This includes:

• Measuring feature usage
• Monitoring system performance
• Identifying technical issues
• Measuring customer engagement
• Understanding user behavior
• Improving navigation
• Monitoring platform availability
• Evaluating product adoption

Analytics information helps us make informed decisions about future improvements.

8.12 Personalization

We may use information to personalize your experience.

Examples include:

• Remembering account preferences
• Displaying preferred settings
• Customizing dashboards
• Improving workflow efficiency
• Providing relevant product recommendations
• Tailoring educational resources

Personalization is intended to improve usability without altering your privacy rights.

8.13 Regulatory Compliance

As a financial technology company, FiChecks must comply with various legal and regulatory obligations.

Your information may be used to:

• Meet financial regulations
• Maintain legally required records
• Comply with tax obligations
• Respond to lawful requests
• Support regulatory examinations
• Conduct internal compliance reviews
• Satisfy reporting obligations
• Comply with anti-money laundering (AML) requirements
• Comply with sanctions regulations
• Support law enforcement requests where legally required

8.14 Legal Obligations

We may use information where necessary to:

• Enforce our Terms of Service
• Protect our legal rights
• Resolve disputes
• Defend legal claims
• Investigate policy violations
• Prevent misuse of our Services
• Protect users and business partners
• Comply with court orders
• Comply with subpoenas
• Respond to government requests where legally required

8.15 Business Operations

We may use information for legitimate business operations, including:

• Financial reporting
• Auditing
• Accounting
• Risk management
• Business continuity planning
• Disaster recovery
• Internal administration
• Vendor management
• Contract administration
• Quality assurance

These activities help ensure the ongoing operation, security, and reliability of our Services.

8.16 Research and Innovation

We may use aggregated, anonymized, or de-identified information to:

• Improve payment technologies
• Enhance fraud detection systems
• Develop new financial products
• Conduct statistical analyses
• Measure platform performance
• Support innovation initiatives

Where data has been anonymized or de-identified, it is no longer considered Personal Information under applicable laws.

8.17 Other Purposes

We may use your information for additional purposes that are compatible with the reasons for which it was originally collected, or where:

• You have provided your consent;
• The processing is required by law;
• The processing is necessary to fulfill our contractual obligations;
• The processing is necessary to protect the rights, safety, or property of FiChecks, our users, or others; or
• The processing is otherwise permitted under applicable law.

If we intend to use your information for a materially different purpose, we will provide notice and obtain consent where required by law.

9.1 Performance of a Contract

We process Personal Information when necessary to provide the Services you request or to fulfill our contractual obligations.

Examples include:

• Creating and maintaining your account
• Processing payment transactions
• Printing and mailing checks
• Processing Direct Deposit transactions
• Managing subscriptions
• Providing customer support
• Delivering requested products and services
• Maintaining transaction history

Without this processing, we may be unable to provide certain Services.

9.2 Compliance with Legal Obligations

Certain laws require FiChecks to collect, retain, or disclose information.

Examples include:

• Financial regulations
• Banking regulations
• Tax laws
• Anti-money laundering (AML) requirements
• Know Your Customer (KYC) obligations
• Sanctions screening requirements
• Court orders
• Regulatory reporting
• Government investigations

9.3 Legitimate Business Interests

Where permitted by applicable law, FiChecks processes information to support legitimate business interests, provided such interests do not override your privacy rights.

Examples include:

• Improving platform performance
• Fraud prevention
• Cybersecurity
• Product development
• Customer support
• Business analytics
• Service reliability
• Internal auditing
• Network monitoring
• Quality assurance

9.4 Consent

Certain processing activities may require your consent.

Examples include:

• Marketing communications
• Optional cookies
• Promotional emails
• Product surveys
• Optional integrations
• Certain location-based services

Where processing is based on consent, you may withdraw your consent at any time. Withdrawal of consent does not affect processing carried out before consent was withdrawn.

9.5 Protection of Vital Interests

In limited circumstances, FiChecks may process information where necessary to protect the vital interests of an individual or another person, including preventing fraud or addressing serious security incidents.

FiChecks shares information only when necessary to operate our Services, comply with applicable laws, protect our users, or support legitimate business operations.

We require third parties receiving Personal Information to protect it appropriately and process it only for authorized purposes.

10.1 Service Providers

We may share information with trusted service providers that assist us in operating our business.

These providers may perform services such as:

• Cloud hosting
• Data storage
• Payment processing
• Email delivery
• Customer support
• Identity verification
• Analytics
• Security monitoring
• Fraud detection
• Document generation
• Check printing
• Secure mailing
• Customer communications
• Software development
• Infrastructure monitoring

These providers may access information only as necessary to perform services on our behalf and are contractually obligated to safeguard the information.

10.2 Banking Partners

To facilitate payment services, FiChecks may share information with financial institutions and banking partners.

Examples include:

• Banks
• ACH network participants
• Payment clearing institutions
• Settlement partners
• Correspondent banks
• Cross-border payment providers

Information shared is limited to what is necessary to process authorized financial transactions.

10.3 Payment Networks and Processors

Payment information may be shared with trusted payment processors and financial networks to:

• Process transactions
• Validate payment methods
• Settle payments
• Process refunds
• Prevent fraud
• Resolve payment disputes

Payment processors operate under their own privacy policies and applicable regulatory requirements.

10.4 Identity Verification Providers

To satisfy regulatory obligations and protect against fraud, FiChecks may share information with trusted identity verification providers.

Information may be shared to:

• Verify identity
• Authenticate users
• Confirm business ownership
• Validate government-issued identification
• Conduct sanctions screening
• Support AML/KYC compliance

10.5 Fraud Prevention and Security Providers

To maintain the integrity of our platform, FiChecks may share information with specialized security providers.

This may include:

• Fraud monitoring services
• Risk assessment providers
• Device intelligence providers
• Security analytics providers
• Authentication providers
• Threat detection services

These providers assist in detecting suspicious activities and protecting our users.

10.6 Professional Advisors

We may share information with professional advisors where necessary.

Examples include:

• Attorneys
• Auditors
• Accountants
• Compliance consultants
• Insurance providers

Such disclosures are limited to legitimate business or legal purposes.

10.7 Corporate Transactions

If FiChecks undergoes:

• A merger
• Acquisition
• Reorganization
• Sale of assets
• Corporate restructuring
• Bankruptcy proceeding

Personal Information may be transferred as part of the transaction, subject to applicable legal requirements.

Where required by law, affected users will be notified.

10.8 Legal and Regulatory Authorities

We may disclose information where required or permitted by law, including to:

• Courts
• Government agencies
• Financial regulators
• Law enforcement authorities
• Tax authorities
• Supervisory agencies
• Regulatory bodies
• Consumer protection agencies

Examples include responding to:

• Court orders
• Subpoenas
• Search warrants
• Regulatory examinations
• Lawful investigations
• National security requests where legally required

10.9 Protection of Rights

We may disclose information where reasonably necessary to:

• Protect our legal rights
• Prevent fraud
• Investigate suspected misconduct
• Enforce our agreements
• Protect users
• Prevent financial crime
• Protect property
• Respond to security incidents

10.10 With Your Consent

FiChecks may share your information with third parties when you explicitly authorize or request such sharing.

Examples include:

• API integrations
• Accounting software
• ERP systems
• Business partners
• Payroll systems
• Financial institutions selected by you

You may revoke authorization where applicable, although revocation will not affect disclosures already made.

Our Services may integrate with or link to third-party products and services.

Examples include:

• Banking partners
• Accounting platforms
• ERP systems
• CRM software
• Payroll providers
• Cloud hosting providers
• Identity verification services
• Fraud prevention platforms
• Analytics providers
• Communication platforms

These third parties maintain their own privacy policies, and FiChecks is not responsible for their privacy practices.

We encourage users to review the privacy policies of any third-party services they choose to use.

FiChecks may process, store, or transfer information in countries other than the country in which it was originally collected.

These transfers may occur when using:

• Cloud infrastructure
• Banking partners
• Payment processors
• International payment networks
• Customer support providers
• Technology vendors
• Business operations

Where applicable law requires safeguards for international transfers, FiChecks implements appropriate measures, which may include:

• Standard Contractual Clauses (SCCs)
• Data Processing Agreements (DPAs)
• Contractual confidentiality obligations
• Technical and organizational security measures
• Other lawful transfer mechanisms recognized under applicable data protection laws

Regardless of where your information is processed, FiChecks applies reasonable safeguards designed to protect your Personal Information in accordance with this Privacy Policy.

FiChecks does not sell your Personal Information to third parties for monetary compensation.

We also do not rent your Personal Information to advertisers, data brokers, or marketing companies.

Where applicable privacy laws define “sale” or “sharing” broadly, FiChecks will honor applicable consumer rights and provide mechanisms to exercise those rights.

Security is integrated into the design, development, and operation of our Services.

Our security program is designed to:

• Protect customer information
• Maintain system integrity
• Detect unauthorized activities
• Prevent financial fraud
• Support regulatory compliance
• Ensure business continuity
• Minimize operational risk

Our security measures are reviewed periodically and updated as technologies and industry standards evolve.

FiChecks maintains internal policies, procedures, and governance frameworks to protect Personal Information.

Administrative safeguards may include:

• Information security policies
• Privacy governance programs
• Employee confidentiality agreements
• Role-based access management
• Security awareness training
• Vendor risk assessments
• Periodic policy reviews
• Internal compliance audits
• Risk assessments
• Change management procedures
• Incident response planning

Access to Personal Information is restricted to authorized personnel with a legitimate business need.

FiChecks employs technical measures designed to protect information throughout its lifecycle.

These safeguards may include:

• Encryption of data in transit using industry-standard TLS protocols
• Encryption of sensitive data at rest where appropriate
• Secure authentication mechanisms
• Multi-factor authentication (MFA) for administrative access where applicable
• Secure password hashing
• Session management controls
• API authentication and authorization
• Network segmentation
• Security logging and monitoring
• Intrusion detection and prevention systems
• Endpoint protection
• Malware protection
• Vulnerability management
• Secure software development practices
• Regular security updates and patch management

The specific technologies used may change over time as security practices evolve.

Where applicable, FiChecks and its trusted infrastructure providers maintain physical security controls designed to protect systems and information.

Such safeguards may include:

• Restricted facility access
• Video surveillance
• Environmental monitoring
• Visitor management procedures
• Secure equipment disposal
• Redundant infrastructure
• Disaster recovery facilities
• Physical access logging

FiChecks uses encryption to help protect sensitive information during transmission and storage.

Depending on the Service, encryption may be used for:

• Payment information
• Banking information
• Authentication credentials
• API communications
• Administrative access
• Sensitive customer information
• Data backups

Encryption standards may be updated periodically to align with current industry best practices.

Access to Personal Information is granted only to authorized individuals who require such access to perform their job responsibilities.

Access management practices may include:

• Role-based access controls (RBAC)
• Least-privilege principles
• Segregation of duties
• Authentication requirements
• Access reviews
• Privileged account management
• Logging of administrative activities
• Periodic access audits

Unauthorized access to customer information is strictly prohibited.

FiChecks continuously monitors its systems to identify and respond to potential security threats.

Monitoring activities may include:

• Network monitoring
• System health monitoring
• Log analysis
• Fraud detection
• Suspicious login detection
• Account activity monitoring
• API monitoring
• Infrastructure monitoring
• Security event analysis
• Threat intelligence integration

Monitoring helps identify unusual activities and supports timely investigation of potential security incidents.

To improve the resilience of our Services, FiChecks periodically evaluates its security posture.

Security assessments may include:

• Vulnerability scanning
• Penetration testing
• Code reviews
• Configuration assessments
• Infrastructure evaluations
• Third-party security assessments
• Compliance reviews

Any identified issues are prioritized and addressed according to internal risk management processes.

FiChecks works with carefully selected service providers that support our operations.

Before engaging certain vendors, we may evaluate factors including:

• Security practices
• Privacy controls
• Regulatory compliance
• Contractual commitments
• Data protection capabilities
• Operational reliability

Where appropriate, vendors are required to implement safeguards designed to protect Personal Information consistent with applicable legal and contractual obligations.

FiChecks retains Personal Information only for as long as necessary to:

• Provide requested Services
• Complete transactions
• Maintain account functionality
• Comply with legal obligations
• Meet financial recordkeeping requirements
• Resolve disputes
• Prevent fraud
• Enforce agreements
• Protect legal rights
• Support legitimate business operations

Retention periods vary depending on the type of information, applicable legal requirements, contractual obligations, and operational needs.

Examples include:

• Account information
• Transaction records
• Payment history
• Customer support communications
• Tax-related records
• Compliance documentation
• Identity verification records
• Security logs
• Audit logs
• Marketing preferences

When information is no longer required, FiChecks securely deletes or anonymizes it, unless continued retention is required or permitted by law.

When Personal Information is no longer required, FiChecks implements reasonable measures to securely dispose of or de-identify the information.

Depending on the nature of the information, disposal methods may include:

• Secure deletion
• Cryptographic erasure
• Data anonymization
• Secure destruction of physical records
• Removal from active systems
• Scheduled backup expiration

Certain information may remain in backup systems for a limited period as part of routine disaster recovery processes before being securely deleted.

FiChecks maintains business continuity and disaster recovery measures designed to support the availability and resilience of our Services.

These measures may include:

• Redundant infrastructure
• Data backups
• Recovery procedures
• Incident response planning
• System failover capabilities
• Operational continuity planning
• Disaster recovery testing

The objective of these measures is to minimize service disruption and facilitate timely recovery following unexpected events.

FiChecks maintains procedures for identifying, investigating, containing, and responding to security incidents.

Our incident response process may include:

• Detection of suspicious activity
• Assessment of the incident
• Containment measures
• Investigation of the root cause
• Mitigation of identified risks
• Restoration of affected services
• Documentation of the incident
• Implementation of corrective actions
• Ongoing monitoring following remediation

Where required by applicable law, FiChecks will notify affected individuals, regulatory authorities, or other relevant parties of certain security incidents or personal data breaches within the timeframes prescribed by law.

While FiChecks implements reasonable safeguards, users also play an important role in protecting their information.

Users are encouraged to:

• Use strong, unique passwords
• Enable multi-factor authentication where available
• Protect account credentials
• Keep devices updated
• Avoid sharing login information
• Monitor account activity
• Report suspected unauthorized access promptly
• Notify FiChecks of any suspected security issues

Failure to safeguard account credentials may increase the risk of unauthorized access.

Although FiChecks employs commercially reasonable security measures, no method of transmitting information over the Internet or storing information electronically is completely secure.

Accordingly, FiChecks cannot guarantee that unauthorized access, cyberattacks, data loss, or other security incidents will never occur.

Users acknowledge these inherent risks when using internet-based services, and FiChecks will continue to maintain and improve its security program in accordance with evolving industry standards and applicable legal requirements.

Subject to applicable law, you may have the following rights regarding your Personal Information.

29.1 Right to Access

You may request confirmation regarding whether FiChecks processes your Personal Information.

Where applicable, you may also request access to information including:

• Categories of Personal Information collected
• Specific Personal Information associated with your account
• Sources of the information
• Purposes for processing
• Categories of recipients with whom information has been shared
• Retention practices
• Applicable legal basis for processing

FiChecks may require identity verification before fulfilling access requests.

29.2 Right to Correct Information

If your Personal Information is inaccurate, incomplete, or outdated, you may request that it be corrected.

Examples include:

• Name corrections
• Email address updates
• Phone number changes
• Business information updates
• Banking information updates
• Address changes
• Account preference updates

Certain financial records may not be modified where legal or regulatory requirements require preservation of historical records.

29.3 Right to Delete Personal Information

You may request deletion of your Personal Information where permitted by applicable law.

Upon receiving a valid request, FiChecks will evaluate whether the information may be deleted or whether retention is required for legitimate purposes, including:

• Legal obligations
• Regulatory compliance
• Financial reporting
• Fraud prevention
• Security investigations
• Dispute resolution
• Contract enforcement
• Tax obligations
• Recordkeeping requirements

Where deletion is permitted, FiChecks will delete or anonymize the information within a commercially reasonable timeframe.

29.4 Right to Restrict Processing

Where applicable law provides this right, you may request that FiChecks restrict certain processing activities.

Examples include situations where:

• The accuracy of information is disputed
• Processing is unlawful but deletion is not requested
• Information is required for legal claims
• An objection to processing is under review

During the restriction period, FiChecks may continue limited processing where permitted or required by law.

29.5 Right to Object

Depending on applicable law, you may object to certain processing activities.

Examples include:

• Direct marketing
• Certain analytics activities
• Processing based on legitimate interests
• Profiling where applicable

FiChecks will evaluate such requests in accordance with applicable legal requirements.

29.6 Right to Data Portability

Where applicable, you may request a copy of certain Personal Information in a structured, commonly used, and machine-readable format.

Where technically feasible and legally permissible, you may also request that FiChecks transmit such information directly to another service provider.

This right generally applies to information processed:

• Based on your consent, or
• To perform a contract with you.

29.7 Right to Withdraw Consent

Where processing is based on your consent, you may withdraw that consent at any time.

Examples include:

• Marketing communications
• Optional cookies
• Promotional emails
• Product surveys
• Optional platform features

Withdrawal of consent does not affect processing conducted before the withdrawal or processing based on another lawful basis.

29.8 Right to Opt Out of Marketing

You may opt out of receiving promotional communications from FiChecks at any time.

You may do so by:

• Clicking the “Unsubscribe” link included in marketing emails
• Updating communication preferences within your account
• Contacting our support team

Please note that even if you opt out of marketing communications, FiChecks may continue sending service-related communications necessary for:

• Account management
• Transaction confirmations
• Security notifications
• Policy updates
• Legal notices
• Customer support

29.9 Right to Lodge a Complaint

If you believe FiChecks has processed your Personal Information in violation of applicable law, you may contact us so we can investigate your concerns.

Depending on your jurisdiction, you may also have the right to lodge a complaint with your local supervisory authority or data protection regulator.

We encourage you to contact FiChecks first so we may attempt to resolve your concerns promptly.

29.10 Right to Non-Discrimination

Where required by applicable law, FiChecks will not discriminate against individuals who exercise their privacy rights.

Exercising your privacy rights will not result in:

• Denial of Services, except where the requested information is necessary to provide those Services
• Different pricing based solely on the exercise of privacy rights
• Reduced service quality due solely to a lawful privacy request

However, certain Services may become unavailable if the requested information is essential for their operation.

To exercise your privacy rights, you may submit a request through one of the following methods:

• Contact our customer support team
• Submit a request through your FiChecks account, where available
• Email our designated privacy contact
• Use any privacy request mechanism provided within our Services

To protect your information, FiChecks may require verification of your identity before processing certain requests.

Verification requirements may vary depending on:

• The type of request
• The sensitivity of the information involved
• Applicable legal requirements

If we cannot reasonably verify your identity, we may request additional information or decline the request where permitted by law.

Where permitted by applicable law, you may designate an authorized agent to submit privacy requests on your behalf.

FiChecks may require:

• Proof of authorization
• Verification of your identity
• Verification of the agent’s identity
• Additional documentation required by law

FiChecks reserves the right to reject requests where authorization cannot be reasonably verified.

FiChecks aims to respond to verified privacy requests within the timeframes required by applicable law.

Response times may vary depending on:

• The nature of the request
• Applicable legal requirements
• Complexity of the request
• Number of requests received

If additional time is required, we will notify you where required by law.

In certain circumstances, FiChecks may decline or partially fulfill a request where permitted by applicable law.

Examples include:

• We cannot verify the requester’s identity
• Compliance would violate applicable law
• Disclosure would adversely affect the rights of another individual
• The request is manifestly unfounded or excessive
• Information must be retained for legal, regulatory, or contractual reasons
• The request concerns information exempt from disclosure under applicable law

Where a request is denied, FiChecks will generally explain the reason unless prohibited by law.

You may request closure of your FiChecks account at any time.

Following account closure:

• Active access to your account may be disabled
• Certain Personal Information may be deleted or anonymized
• Transaction records may be retained where required by law
• Financial records may be retained for regulatory compliance
• Security logs may be retained for fraud prevention
• Backup copies may remain for a limited period before secure deletion

Account closure does not automatically eliminate legal obligations or outstanding financial responsibilities.

FiChecks Services are intended for individuals who are legally capable of entering into binding agreements and, where applicable, businesses and organizations.

Our Services are not directed to children under the age of 13, and we do not knowingly collect Personal Information from children under 13.

Where local law establishes a higher minimum age for processing children’s personal data (such as 16 years in certain jurisdictions), FiChecks will comply with those applicable requirements.

If we become aware that we have inadvertently collected Personal Information from a child in violation of applicable law, we will take reasonable steps to delete such information promptly.

Parents or legal guardians who believe a child has provided Personal Information to FiChecks may contact us to request its removal.

If you are located in the European Economic Area (EEA), the United Kingdom (UK), or Switzerland, FiChecks processes your Personal Information in accordance with applicable data protection laws, including the General Data Protection Regulation (GDPR), the UK GDPR, and the Swiss Federal Act on Data Protection (FADP), where applicable.

36.1 Your GDPR Rights

Subject to applicable law, you may have the following rights:

• Right to be informed
• Right of access
• Right to rectification
• Right to erasure (“Right to be Forgotten”)
• Right to restrict processing
• Right to data portability
• Right to object to processing
• Rights relating to automated decision-making and profiling, where applicable
• Right to withdraw consent
• Right to lodge a complaint with your supervisory authority

36.2 Lawful Basis for Processing

FiChecks processes Personal Information under one or more lawful bases, including:

• Performance of a contract
• Compliance with legal obligations
• Legitimate interests
• Consent
• Protection of vital interests

The lawful basis applicable to a particular processing activity depends on the nature of the Services being provided.

36.3 International Transfers

Where Personal Information is transferred outside the EEA, UK, or Switzerland, FiChecks implements appropriate safeguards where required by law.

These safeguards may include:

• Standard Contractual Clauses (SCCs)
• Data Processing Agreements
• Approved transfer mechanisms
• Technical and organizational security measures
• Other legally recognized safeguards

36.4 Supervisory Authorities

If you believe FiChecks has processed your Personal Information unlawfully, you may contact us directly.

You also have the right to lodge a complaint with the competent supervisory authority in your country or region.

If you are a California resident, you may have rights under the California Consumer Privacy Act (CCPA), as amended by the California Privacy Rights Act (CPRA).

These rights are subject to applicable exceptions and limitations.

37.1 Categories of Personal Information Collected

During the preceding 12 months, FiChecks may have collected categories including:

• Identifiers
• Contact information
• Commercial information
• Financial information
• Internet or electronic activity
• Device information
• Geolocation information
• Professional or employment information
• Account credentials
• Customer support communications
• Inferences derived from collected information

The specific categories collected depend on the Services you use.

37.2 Sources of Information

Personal Information may be collected from:

• You directly
• Your employer or organization
• Banking partners
• Payment processors
• Identity verification providers
• Public records
• Government agencies
• Analytics providers
• Integrated third-party services
• Other users involved in payment transactions

37.3 Business Purposes

FiChecks collects and processes Personal Information for business purposes including:

• Providing Services
• Payment processing
• Fraud prevention
• Security
• Customer support
• Analytics
• Regulatory compliance
• Product improvement
• Business administration

37.4 Your California Rights

California residents may have the right to:

• Know what Personal Information is collected
• Access Personal Information
• Correct inaccurate Personal Information
• Request deletion of Personal Information
• Receive information regarding disclosures
• Limit the use of certain sensitive Personal Information where applicable
• Opt out of certain sharing activities where required by law
• Appeal certain decisions where applicable

37.5 Sensitive Personal Information

Where applicable, FiChecks may collect or process Sensitive Personal Information solely for purposes permitted by law, including:

• Identity verification
• Fraud prevention
• Payment processing
• Regulatory compliance
• Security
• Account administration

FiChecks does not use Sensitive Personal Information to infer characteristics about consumers except as permitted by law.

37.6 Sale or Sharing of Personal Information

FiChecks does not sell Personal Information for monetary consideration.

FiChecks does not knowingly sell the Personal Information of minors.

Where applicable law defines “sharing” broadly, FiChecks provides users with applicable rights regarding such activities.

Residents of certain U.S. states may have privacy rights under applicable state privacy laws.

These states may include, where applicable:

• Colorado
• Virginia
• Connecticut
• Utah
• Texas
• Oregon
• Montana
• Delaware
• Iowa
• Indiana
• Tennessee
• Nebraska
• New Hampshire
• New Jersey
• Kentucky
• Minnesota
• Rhode Island
• Maryland
• Other states as privacy laws become effective

Subject to applicable law, residents may have rights including:

• Access
• Correction
• Deletion
• Data portability
• Opt-out rights
• Appeals of privacy decisions

FiChecks will comply with applicable state privacy laws as they become effective.

Where applicable, FiChecks processes Personal Information in accordance with Canadian privacy laws, including the Personal Information Protection and Electronic Documents Act (PIPEDA) and applicable provincial privacy legislation.

Canadian users may request access to and correction of their Personal Information, subject to applicable legal limitations.

Where applicable, FiChecks handles Personal Information in accordance with:

• The Australian Privacy Act
• Australian Privacy Principles (APPs)
• Applicable New Zealand privacy legislation

Users may request access to or correction of Personal Information, subject to applicable legal requirements.

FiChecks may provide Services in additional jurisdictions where local privacy laws apply.

Where required by applicable law, FiChecks will implement reasonable measures to:

• Respect applicable privacy rights
• Honor lawful requests
• Maintain appropriate safeguards
• Comply with regional legal obligations

The availability of specific rights may vary depending on local law.

Because FiChecks provides payment services that may involve domestic and international transactions, Personal Information may be transferred between countries to facilitate requested Services.

Where required by applicable law, FiChecks implements appropriate safeguards to protect transferred information.

These safeguards may include:

• Contractual protections
• Encryption
• Access controls
• Security monitoring
• Data Processing Agreements
• Other legally recognized transfer mechanisms

If you wish to exercise any rights available under applicable privacy laws, you may contact FiChecks using the contact information provided in this Privacy Policy.

To protect Personal Information, FiChecks may verify your identity before processing requests.

We may request additional information where reasonably necessary to verify your identity or authority to submit a request.

Where applicable law provides a right to appeal, users may request reconsideration of decisions relating to privacy rights requests.

Appeals should clearly identify:

• The original request
• The decision being appealed
• The reason for the appeal
• Any additional supporting information

FiChecks will review appeals in accordance with applicable legal requirements and communicate the outcome within the timeframe required by law.

Privacy and data protection laws continue to evolve globally.

FiChecks may update its privacy practices and this Privacy Policy to comply with new legal requirements, regulatory guidance, or industry standards as they become applicable.

Any material changes will be communicated in accordance with the “Changes to this Privacy Policy” section.

Cookies are small text files placed on your browser or device when you visit a website or use an online service.

In addition to cookies, FiChecks may use similar technologies including:

• Web beacons
• Pixel tags
• Local storage
• Session storage
• SDKs (Software Development Kits)
• Device identifiers
• Server logs
• API request metadata
• Other technologies that support authentication, analytics, functionality, and security

These technologies help us provide secure, efficient, and personalized Services.

FiChecks uses cookies and similar technologies for purposes including:

• Operating our website and applications
• Authenticating users
• Maintaining secure sessions
• Preventing fraud
• Remembering user preferences
• Improving website performance
• Understanding how our Services are used
• Measuring website traffic
• Supporting customer support functions
• Improving accessibility
• Personalizing user experiences
• Complying with legal and regulatory obligations

Cookies do not grant FiChecks access to information stored on your device beyond what is necessary for these purposes.

48.1 Essential Cookies

Essential cookies are necessary for the operation of our Services.

These cookies may be used to:

• Authenticate users
• Maintain login sessions
• Protect account security
• Prevent fraudulent activity
• Process transactions
• Balance network traffic
• Enable website functionality
• Remember privacy preferences
• Maintain shopping or payment sessions where applicable

Because these cookies are necessary for the operation of the Services, they generally cannot be disabled through our systems.

48.2 Functional Cookies

Functional cookies improve your experience by remembering preferences and settings.

Examples include:

• Language preferences
• Region selection
• Dashboard settings
• Accessibility preferences
• Display preferences
• Notification settings
• User interface customization

These cookies enhance convenience but are not strictly required for basic website operation.

48.3 Performance and Analytics Cookies

Performance cookies help us understand how visitors interact with our Services.

These cookies may collect information such as:

• Pages visited
• Navigation paths
• Session duration
• Click activity
• Error reports
• Feature usage
• Device type
• Browser information
• Operating system
• General geographic region derived from IP address

Analytics information is used to improve the reliability, usability, and performance of our Services.

Where feasible, analytics information is aggregated or de-identified.

48.4 Security Cookies

Security-related cookies help protect both users and FiChecks.

These cookies may support:

• Fraud prevention
• Authentication
• Detection of suspicious activity
• Login verification
• Abuse prevention
• Session integrity
• Bot detection
• Risk monitoring

These cookies are an important component of maintaining platform security.

48.5 Preference Cookies

Preference cookies remember choices you make while using our Services.

Examples include:

• Preferred dashboard layouts
• Saved user settings
• Time zone preferences
• Language selection
• Recently used features

These cookies help deliver a more personalized experience.

Certain third-party service providers integrated with FiChecks may place cookies or similar technologies on your device.

Examples may include providers that support:

• Website analytics
• Payment processing
• Fraud detection
• Customer support
• Identity verification
• Performance monitoring
• Content delivery
• Infrastructure security

These providers operate under their own privacy policies, and FiChecks does not control their independent data collection practices.

We encourage you to review the privacy policies of any third-party services you interact with.

FiChecks may use limited advertising or marketing technologies where permitted by applicable law.

These technologies may be used to:

• Measure marketing campaign effectiveness
• Understand website traffic sources
• Improve educational content
• Analyze user engagement
• Deliver communications regarding FiChecks products or services

FiChecks does not sell Personal Information to advertising networks.

Where legally required, consent will be obtained before using advertising-related cookies or similar technologies.

Like many online services, FiChecks automatically maintains server logs.

Log information may include:

• IP address
• Browser type
• Device information
• Operating system
• Referring website
• Requested pages
• Date and time of access
• Error information
• API requests
• Authentication events

Log information is primarily used for:

• Security monitoring
• System administration
• Troubleshooting
• Performance optimization
• Fraud detection
• Regulatory compliance

FiChecks may use web beacons, tracking pixels, or similar technologies within our Services and communications.

These technologies may help us:

• Determine whether emails have been opened
• Measure engagement with communications
• Improve website functionality
• Understand user interactions
• Support fraud prevention
• Measure system performance

Where required by law, such technologies will be used only after obtaining appropriate consent.

Most web browsers allow you to manage cookies through browser settings.

Depending on your browser, you may be able to:

• View stored cookies
• Delete cookies
• Block certain cookies
• Block all cookies
• Configure cookie preferences
• Receive notifications before cookies are stored

Disabling certain cookies may affect the availability or functionality of portions of the Services.

You may control cookies using the settings available in your browser.

Instructions vary depending on the browser you use.

Examples include:

• Google Chrome
• Microsoft Edge
• Mozilla Firefox
• Apple Safari
• Opera
• Brave

Refer to your browser’s documentation for detailed instructions.

Mobile operating systems may provide settings that allow users to manage certain tracking technologies.

Depending on your device, you may be able to:

• Reset advertising identifiers
• Restrict personalized advertising
• Manage app permissions
• Control location sharing
• Manage push notification preferences

These controls are provided by your device manufacturer or operating system provider.

Some web browsers include a “Do Not Track” (DNT) feature.

Because there is currently no universally accepted industry standard for responding to DNT signals, FiChecks does not guarantee that it will respond to all DNT requests.

If an industry standard is established and becomes widely adopted, FiChecks may update its practices accordingly.

Where required by applicable law, FiChecks will recognize and process valid Global Privacy Control (GPC) signals as requests to exercise applicable privacy rights, including opt-out rights where legally required.

Recognition of GPC signals may vary depending on technical implementation and applicable legal requirements.

Where required by applicable law, FiChecks will request your consent before placing non-essential cookies or similar technologies on your device.

You may modify or withdraw your consent at any time through the cookie preference tools made available on our website, where applicable.

Withdrawal of consent does not affect the lawfulness of processing conducted prior to withdrawal.

FiChecks may periodically update its use of cookies and similar technologies to:

• Improve Services
• Enhance security
• Introduce new features
• Comply with legal requirements
• Reflect technological developments

Material changes to our cookie practices will be reflected in updates to this Privacy Policy or a separate Cookie Policy where appropriate.

FiChecks provides payment-related products and services that may be subject to financial regulations in various jurisdictions.

To support these services, we may collect, process, retain, and disclose information as necessary to:

• Facilitate payment transactions
• Process Direct Deposits
• Print and mail checks
• Process electronic checks (eChecks)
• Execute ACH transactions
• Support cross-border payments
• Verify transaction participants
• Maintain legally required records
• Detect fraudulent activity
• Comply with applicable financial regulations

Our compliance obligations may vary depending on the jurisdiction, payment method, and services used.

Where required by applicable law, banking partners, or payment providers, FiChecks may perform Know Your Customer (KYC) verification.

KYC procedures help confirm the identity of customers and reduce the risk of financial crime.

Information used for KYC may include:

• Full legal name
• Date of birth
• Residential or business address
• Government-issued identification
• Tax identification numbers
• Business registration information
• Beneficial ownership information
• Authorized representative information
• Proof of address
• Other documentation required by applicable law

Identity verification may be conducted directly by FiChecks or by trusted third-party verification providers.

FiChecks maintains procedures designed to support compliance with applicable Anti-Money Laundering (AML) laws and regulations.

AML-related activities may include:

• Customer due diligence
• Enhanced due diligence where appropriate
• Risk assessments
• Transaction monitoring
• Identity verification
• Ongoing account reviews
• Recordkeeping
• Regulatory reporting where required

These activities help reduce the risk of money laundering, terrorist financing, fraud, and other financial crimes.

Where required by law or by our financial partners, FiChecks may screen customers, businesses, recipients, and transactions against applicable sanctions lists and restricted-party databases.

Screening may occur:

• During account registration
• Before payment processing
• During ongoing account monitoring
• Prior to international transactions
• When required by regulatory obligations

If a transaction or account is identified as potentially restricted, FiChecks may delay, suspend, reject, or report the transaction where required by law.

FiChecks uses automated and manual processes to monitor payment activity for security, fraud prevention, operational integrity, and regulatory compliance.

Monitoring activities may include:

• Unusual transaction patterns
• High-risk payment activity
• Repeated payment failures
• Suspicious account behavior
• Large or unusual transfers
• Velocity checks
• Geographic anomalies
• Device anomalies
• Login anomalies
• Payment routing irregularities

Monitoring does not necessarily indicate wrongdoing but helps protect users and maintain platform integrity.

Protecting customers against fraud is a core component of our Services.

FiChecks may use information to:

• Detect unauthorized transactions
• Prevent account takeover
• Detect stolen credentials
• Identify synthetic identities
• Detect payment fraud
• Prevent business email compromise
• Detect phishing attempts
• Prevent misuse of payment services
• Identify suspicious recipient activity
• Investigate suspected fraud

Fraud detection systems may combine automated analysis with human review.

FiChecks maintains risk management processes designed to support secure financial operations.

Risk assessments may consider factors including:

• Transaction history
• Account activity
• Identity verification results
• Device information
• Geographic information
• Payment behavior
• Regulatory requirements
• Fraud indicators
• Security events

Risk assessments help determine whether additional verification or review is appropriate.

Where required by applicable law, FiChecks may disclose information to regulatory authorities or government agencies.

Examples include reporting required for:

• Anti-money laundering obligations
• Financial crime investigations
• Tax reporting
• Court orders
• Regulatory examinations
• Law enforcement requests
• Compliance audits
• Suspicious activity reporting where legally required

Such disclosures are made only when required or permitted by applicable law.

To complete authorized transactions, FiChecks may process information relating to:

• Payment originators
• Payment recipients
• Bank accounts
• Payment instructions
• Routing information
• Settlement information
• Currency conversion
• Exchange rates
• Transaction confirmations
• Payment status

Information is processed only to the extent reasonably necessary to provide the requested Services and comply with applicable legal obligations.

By using FiChecks, you agree that certain communications relating to your account and Services may be provided electronically, where permitted by law.

Electronic communications may include:

• Account notifications
• Payment confirmations
• Transaction receipts
• Security alerts
• Regulatory notices
• Policy updates
• Customer support responses
• Service announcements

You are responsible for maintaining accurate contact information to receive these communications.

FiChecks may use automated systems to support operational efficiency, fraud prevention, security, and regulatory compliance.

Automated systems may assist with:

• Identity verification
• Fraud detection
• Risk scoring
• Login security
• Transaction monitoring
• Payment validation
• Security alerts
• Abuse prevention

These systems are designed to assist decision-making and improve security.

Where applicable law provides specific rights regarding automated decision-making or profiling, FiChecks will comply with those legal requirements.

Certain automated decisions may be subject to review by authorized personnel.

Human review may occur when:

• Additional verification is required
• Fraud is suspected
• Identity cannot be confirmed
• Regulatory review is required
• A user disputes an automated outcome
• A transaction requires additional assessment

Human reviewers are authorized to evaluate relevant information and make decisions consistent with applicable laws, internal policies, and contractual obligations.

FiChecks maintains financial records as required to:

• Process transactions
• Support customer inquiries
• Comply with accounting obligations
• Meet regulatory requirements
• Respond to lawful requests
• Conduct audits
• Resolve disputes
• Prevent fraud

Retention periods vary depending on the applicable legal, contractual, and operational requirements.

FiChecks may conduct internal or external audits to evaluate compliance with:

• Applicable laws
• Regulatory obligations
• Information security policies
• Financial controls
• Operational procedures
• Risk management programs

Audits help identify opportunities to improve our systems, controls, and compliance practices.

Certain FiChecks Services may involve domestic or international payment processing.

When facilitating cross-border payments, we may process information necessary to:

• Route transactions
• Verify recipients
• Comply with local regulations
• Process currency conversions
• Meet reporting obligations
• Prevent fraud
• Satisfy banking requirements

Cross-border transactions may involve financial institutions, payment processors, correspondent banks, or service providers located in different jurisdictions.

Financial regulations continue to evolve.

FiChecks may update its policies, procedures, and operational practices to comply with:

• New laws
• Regulatory guidance
• Payment network requirements
• Banking standards
• Industry best practices
• Government directives

Material changes affecting the processing of Personal Information will be reflected in updates to this Privacy Policy where appropriate.

Our Services may contain links to websites, applications, or services operated by third parties.

Examples include:

• Banking partners
• Payment processors
• Government agencies
• Social media platforms
• Developer resources
• Accounting software
• Business partners
• Financial institutions

These third-party services operate independently of FiChecks and maintain their own privacy policies and terms of use.

FiChecks is not responsible for the privacy practices, content, security, or policies of any third-party websites or services.

We encourage you to review the privacy policies of any third-party services before providing them with your Personal Information.

FiChecks may update this Privacy Policy periodically to reflect:

• Changes in our Services
• New products or features
• Regulatory developments
• Changes in applicable laws
• Industry best practices
• Security improvements
• Operational changes
• Business requirements

When material changes are made, we may:

• Update the “Last Updated” date shown at the beginning of this Privacy Policy.
• Publish the revised Privacy Policy on our website.
• Notify users by email, through the FiChecks platform, or by other appropriate means where required by applicable law.

Your continued use of the Services after an updated Privacy Policy becomes effective constitutes your acknowledgment of the revised Privacy Policy, unless applicable law requires additional consent.

This Privacy Policy shall be governed by and construed in accordance with the laws specified in the FiChecks Terms of Service, without regard to conflict of law principles.

Nothing in this Privacy Policy limits any mandatory rights or protections available to users under applicable privacy or consumer protection laws.

If any provision of this Privacy Policy is determined by a court or competent authority to be invalid, illegal, or unenforceable, that provision shall be enforced to the maximum extent permitted by law, and the remaining provisions shall remain in full force and effect.

Failure by FiChecks to enforce any provision of this Privacy Policy shall not constitute a waiver of that provision or any other right.

Any waiver shall be effective only if made in writing by an authorized representative of FiChecks.

This Privacy Policy constitutes FiChecks’ complete privacy notice regarding the collection, use, disclosure, retention, and protection of Personal Information through our Services.

It should be read together with, where applicable:

• Terms of Service
• Cookie Policy
• Acceptable Use Policy
• API Terms
• Developer Documentation
• Other policies or notices made available by FiChecks

In the event of any conflict between this Privacy Policy and a service-specific privacy notice, the service-specific notice shall govern for that particular service.

If you have questions, concerns, or requests regarding this Privacy Policy or our privacy practices, you may contact FiChecks using the following information:

FiChecks

Website: https://fichecks.com

Support Email: support@fichecks.com

Phone: +1 (408) 831-1412

If you submit a privacy request, please provide sufficient information to allow us to verify your identity and process your request securely.

You may contact FiChecks to:

• Access your Personal Information
• Correct inaccurate information
• Request deletion where permitted by law
• Request data portability where applicable
• Withdraw consent where processing is based on consent
• Update communication preferences
• Report suspected privacy concerns
• Ask questions regarding this Privacy Policy

FiChecks may require reasonable identity verification before processing certain requests in order to protect your information and prevent unauthorized access.

Effective Date: 13 Feb 2025

Last Updated: 04 Aug 2026

The “Last Updated” date will change whenever this Privacy Policy is materially revised.

At FiChecks, protecting the privacy, confidentiality, and security of your information is fundamental to the trust our customers place in us. We are committed to handling Personal Information responsibly, maintaining appropriate safeguards, and continuously improving our privacy and security practices as our Services evolve and as legal and regulatory requirements change.

We appreciate the trust you place in FiChecks and remain dedicated to providing secure, transparent, and privacy-focused financial technology solutions.