Terms of Use & Privacy

General

Please read the following terms and conditions (“Terms”). They govern your use of this website and its associated services, including email newsletters, associated content distribution platforms, and public FinTech Collective LLC (together with its affiliates, “FTC”) online social media accounts (the “Service”).

By using the Service, you agree to be bound by these Terms. We may update these Terms from time to time and any modifications will be effective immediately upon posting unless we indicate otherwise. If you use the Service after any changes to the Terms have been posted, that means you agree to all of the changes. Please review these Terms periodically for changes.

You acknowledge that the website and its contents are for general, informational purposes only, and do not constitute an offering or form part of any offering or any solicitation of any offer to subscribe to or purchase any investment by FTC, nor shall it or the fact of its existence form the basis of, or be relied upon in connection with any contract thereto. Any such offer will be made only by means of definitive investment offering documents, including through a final private placement memorandum, subscription agreement, or another related document regarding a particular investment opportunity and will be subject to the terms and conditions of such documents, including the qualifications necessary to become an investor. FTC makes no representations that any information provided via this website is accurate, current, or complete. The information included in this website is subject to change without notice to any person.

Except as otherwise noted, all Services — including information, photos, podcasts, blog posts, videos, graphics/charts, icons, code, design, and overall appearance — are the property of FTC and should not be used, modified, or reproduced without our prior written consent. All trademarks, trade names, and logos displayed on the Service are the property of FTC, its affiliates, or their respective third-party owners, and the Service grants no license to them.

The Service intended solely to provide general information about FTC, its services to entrepreneurs, and its people. Nothing in the Service is directed at nor should be relied upon by any investors or prospective investors in any vehicle managed by FTC. FTC does not intend to solicit or make its investment advisory services available to the general public.

Any investments or portfolio companies described or referred to in the Service are not representative of all investments in vehicles managed by FTC and there can be no assurance that the investments described are, or will be, profitable or that other investments made in the future will have similar character or results. A list of investments made by FTC is available here: https://www.fintech.io/portfolio. Excluded from this list are investments for which the issuer has not provided permission for FTC to disclose publicly.

Any opinions expressed in the Service reflect FTC’s views or those of individual posters, and are subject to change. Certain information contained in the Service has been obtained from third-party sources, including from portfolio companies of FTC. While taken from sources believed to be reliable, FTC has not independently verified such information and makes no representations about the enduring accuracy of the information or its appropriateness for a given situation. The discussions and opinions expressed herein are not intended to provide investment, accounting, tax, or legal advice. Nothing in the Service is a recommendation that you purchase, sell or hold any security or other investment, or that you pursue any investment style or strategy. The content of this website is presented on an “as is” basis with no warranties, express or implied, of any kind with respect to the Service. Charts provided herein are for informational purposes only and should not be relied upon when making any investment decision.

Any projections, estimates, forecasts, targets, prospects and/or opinions expressed in these materials are subject to change without notice and may differ or be contrary to opinions expressed by others.

Privacy Policy

This Privacy Policy describes FTC policies and procedures on the collection, use and disclosure of your information when you use the FINTECH COLLECTIVE Service. We will not use or share your information with anyone except as described in this Privacy Policy. This Privacy Policy does not apply to information we collect by other means (including offline) or from other sources. Capitalized terms that are not defined in this Privacy Policy have the meaning given them in our Terms of Service.

Legal

This Privacy Policy describes FINTECH COLLECTIVE, INC.'s (“FINTECH COLLECTIVE”) policies and procedures on the collection, use and disclosure of your information when you use the FINTECH COLLECTIVE Service. We will not use or share your information with anyone except as described in this Privacy Policy. This Privacy Policy does not apply to information we collect by other means (including offline) or from other sources. Capitalized terms that are not defined in this Privacy Policy have the meaning given them in our Terms of Service.

Information Collection and Use

FINTECH COLLECTIVE uses information we collect to analyze how the Service is used, diagnose service or technical problems, maintain security, personalize content, remember information to help you efficiently access your account, monitor aggregate metrics such as total number of visitors, traffic, and demographic patterns, and track Feedback and users as necessary to comply with the Digital Millennium Copyright Act and other applicable laws.

User-Provided Information

You provide us information about yourself, such as your name, phone number, and e-mail address, if you register for access with the Service. We may use your email address to send you Service-related notices (including any notices required by law, in lieu of communication by postal mail). You can control receipt of certain Service-related messages by notifying us. We may also use your contact information to send you marketing messages. If you do not want to receive such messages, you may opt out by following the instructions in the message. If you correspond with us by email, we may retain the content of your email messages, your email address and our responses. If you choose to use our service to invite a friend to the Service, we will ask you for that person's email address. FINTECH COLLECTIVE stores this information to send an invitation email, to register your friend if your invitation is accepted, and to track the success of the invitation functionality.

Cookies

When you visit the Service, we may send one or more "cookies" - small data files - to your computer to uniquely identify your browser and let FINTECH COLLECTIVE help you log in faster and enhance your navigation through the site. A cookie may convey anonymous information about how you browse the Service to us, but does not collect personal information about you. A persistent cookie remains on your computer after you close your browser so that it can be used by your browser on subsequent visits to the Service. Persistent cookies can be removed by following your web browser's directions. A session cookie is temporary and disappears after you close your browser. You can reset your web browser to refuse all cookies or to indicate when a cookie is being sent. However, some features of the Service may not function properly if the ability to accept cookies is disabled.

Log Files

Log file information is automatically reported by your browser each time you access a web page. When you use the Service, our servers automatically record certain information that your web browser sends whenever you visit any website. These server logs may include information such as your web request, Internet Protocol ("IP") address, browser type, referring / exit pages and URLs, number of clicks, domain names, landing pages, pages viewed, and other such information.

Clear GIFs Information

When you use the Service, we may employ clear GIFs (also known as web beacons) which are used to track the online usage patterns of our users anonymously. No personally identifiable information from your FINTECH COLLECTIVE account is collected using these clear GIFs. In addition, we may also use clear GIFs in HTML-based emails sent to our users to track which emails are opened by recipients. The information is used to enable more accurate reporting and make FINTECH COLLECTIVE better for our users.

Third Party Services

FINTECH COLLECTIVE may use Google Analytics to help understand use of the Service. Google Analytics collects the information sent by your browser as part of a web page request, including cookies and your IP address. Google Analytics also receives this information and their use of it is governed by their Privacy Policies.

Personally Identifiable Information

FINTECH COLLECTIVE may share your personally identifiable information with third parties for the purpose of providing the Service to you. If we do this, such third parties' use of your information will be bound by this Privacy Policy. We may store personal information in locations outside the direct control of FINTECH COLLECTIVE (for instance, on servers or databases co-located with hosting providers). As we develop our business, we may buy or sell assets or business offerings. Customer, email, and visitor information is generally one of the transferred business assets in these types of transactions. We may also transfer or assign such information in the course of corporate divestitures, mergers, or dissolution. We may share or disclose your information with your consent, such as if you choose to sign on to the Service through a third-party service. We cannot control third parties' use of your information. FINTECH COLLECTIVE may disclose your personal information if required to do so by law or subpoena or if we believe that it is reasonably necessary to comply with a law, regulation or legal request; to protect the safety of any person; to address fraud, security or technical issues; or to protect FINTECH COLLECTIVE's rights or property.

Non-Personally Identifiable Information

We may share non-personally identifiable information (such as anonymous usage data, referring/exit pages and URLs, platform types, number of clicks, etc.) with interested third parties to help them understand the usage patterns for certain FINTECH COLLECTIVE services.

How We Protect Your Information

FINTECH COLLECTIVE uses commercially reasonable physical, managerial, and technical safeguards to preserve the integrity and security of your personal information. We cannot, however, ensure or warrant the security of any information you transmit to FINTECH COLLECTIVE or guarantee that your information on the Service may not be accessed, disclosed, altered, or destroyed by breach of any of our physical, technical, or managerial safeguards. In the event that personal information is compromised as a result of a breach of security, FINTECH COLLECTIVE will promptly notify those persons whose personal information has been compromised, in accordance with the notification procedures set forth in this Privacy Policy, or as otherwise required by applicable law.

Your Choices About Your Information

You may, of course, decline to submit personally identifiable information through the Service, in which case FINTECH COLLECTIVE may not be able to provide certain services to you. You may update or correct your account information and email preferences at any time by contacting us.

Children's Privacy

Protecting the privacy of young children is especially important. FINTECH COLLECTIVE does not knowingly collect or solicit personal information from anyone under the age of 13 or knowingly allow such persons to register with the Service. If we become aware that we have collected personal information from a child under age 13 without verification of parental consent, we take steps to remove that information.

Links to Other Web Sites

We are not responsible for the practices employed by websites linked to or from the Service, nor the information or content contained therein. Please remember that when you use a link to go from the Service to another website, our Privacy Policy is no longer in effect. Your browsing and interaction on any other website, including those that have a link on our website, is subject to that website's own rules and policies.

Changes to Our Privacy Policy

If we change our privacy policies and procedures, we will post those changes on this page to keep you aware of what information we collect, how we use it and under what circumstances we may disclose it. Changes to this Privacy Policy are effective when they are posted on this page. If you have any questions about our practices or this privacy policy, please contact us by email at [email protected] or by mail at the following address: FinTech Collective, Inc. ATTN: Privacy 419 Park Avenue South, Second Floor New York, NY 10016 Last Updated: March 1, 2014