If you have questions about deleting or correcting your personal data please contact our support team at email@example.com.
Collection and Use of Information
Your use of the Platform may result in certain PII collected or used by Level.
We may use the information collected for a variety of business-related purposes, including but not limited to:
Process applications and transactions;
Verify identity, including KYC;
Communicate with applicants and account holders;
Ensure legal and contractual compliance;
Protect against fraud;
Validate earning source data and/or check credit;
Respond to customer service requests;
Perform analytics concerning use of the Platform;
Identify or market related product and service offerings
Improve the Platform; and
Carry out any other lawful purpose as may be disclosed at any time.
We may contact you via in-App message, in-Platform message, email, phone call, and/or transactional SMS to carry out these business-related purposes
We may share the information collected with:
Non-financial service providers, such as identity verification and fraud prevention service providers;
Financial service providers;
Non-affiliated companies for Level’s everyday business purposes; and
Others in the form of aggregated and de-identified data, which cannot reasonably be used to identify you.
By using the Platform you consent to Level’s collection and use of information as specified below, as well as any other uses to which you may affirmatively consent:
a) Registration Information.
In order to utilize some of the Platform you will need to set up an “Account” with us. We require certain identifying information that will be linked to your Account, including your:
First Name and Last Name,
Mobile Number, and
You will also create an Account password. We encourage you to exercise caution before voluntarily disclosing other types of PII about yourself, and prohibit you from disclosing any PII about another person, whether another account holder or not.
b) Verification and Compliance.
While users generally have the right to limit most information collected and shared via the use of the Platform, federal law requires the collection and verification of certain information as it relates to financial institutions, and certain other information may be necessary to perform the services. Specifically, in order to use the Platform, certain financial service providers must verify certain information in order to carry out financial transactions, which may include name, date of birth, social security number, and address.
Level may also collect public or non-public information about you in order to verify your identity, prevent fraud, or otherwise provide the Platform to you.
c) Linking User Earnings and Bank Account.
In order to link your User Bank Account and any Earnings Accounts to the Platform, third party service providers might use and verify certain information in order to carry out financial transactions. This information may include User Bank Account Username and Password.
d) Transaction Information.
By using the Platform, Level may collect your Transaction Information. “Transaction Information” includes but is not limited to User Bank Account and/or Earnings Accounts:
Transaction Dates and/or Times, and
Other details relating to the transaction.
Level may use Transaction Information, in an anonymized or aggregated format, to operate, provide, develop, and improve the Platform.
e) User Analytics
The Platform may automatically collect certain types of technical information, such as:
Browser or Device Type,
Page Views, and
Date and Time of Visit.
We use this information to better understand how our visitors use the Platform, and to maintain and improve the Platform.
We use Google Analytics to help us understand how our Users use the site. For more information about your PII and Google, please visit www.google.com/intl/en/policies/privacy.
f) Location Information & IP Addresses
Internet Protocol (“IP”) addresses indicate the location of your computer or mobile device on a network connected to the Internet. Using the Platform may result in the use of IP addresses for systems administration, troubleshooting purposes, and to prevent prohibited account sharing. While this may be used to infer an approximation of your location when using certain features of the Platform, we do not log IP addresses to track your location. If you are an account holder, we may link IP addresses to PII in order to monitor account sharing and prevent prohibited activity.
g) Data Aggregation
In addition to the other uses described in this Policy, you agree that we may extract and use information from the information you disclose for the purposes of aggregating data in a non-identifiable method. This aggregated data may be used to improve the Platform or, without limitation, to develop, analyze, combine, or publish the aggregated data for commercial purposes.
Third party service providers may also place a cookie or similar file on your computer: (i) to customize your experience; (ii) to collect technical and navigational information; or (iii) for security purposes.
i) Behavioral Advertising; Marketing
We may use your PII to provide you with targeted advertisements or marketing communications. We may also allow third parties to market related product and service offerings to you. Our and our third party partners’ marketing communications contain information about unsubscribing from such communications.
For more information about how targeted advertising works, you can visit the Network Advertising Initiative’s website at www.networkadvertising.org/understanding-online-advertising/how-does-it-work.
You can establish do not track settings by opting out of targeted advertising by visiting:
Facebook at www.facebook.com/settings/?tab=ads,
Google at www.google.com/settings/ads/anonymous, and
Digital Advertising Alliance’s online portal at www.optout.aboutads.info.
Protection of Certain Personally Identifiable Information
We take reasonably necessary measures to protect against the unauthorized access, use, alteration, or destruction of potentially PII. We disclose potential PII only on an as needed (or required) basis as follows:
To our employees that: (a) need to know that information in order to process it on our behalf or to provide the Platform; and (b) that have expressly agreed not to disclose it to others. Note that some of those employees, and contractors may be located outside of your home country; by using the Platform you consent to the transfer of such information to them.
As required by law, such as to comply with a subpoena or similar legal process. To the extent we are legally permitted to do so, we will take commercially reasonable steps to notify you in the event that we are required to provide your personal information to third parties as part of a legal process.
When we believe in good faith that disclosure is necessary to protect our rights, protect your safety or the safety of others, investigate fraud, or respond to a written government request
To any other third party with your prior consent to do so.
Feedback & Support
If you send us a request (via firstname.lastname@example.org), we reserve the right to publish it (taking commercially reasonable efforts to remove unnecessary PII) in order to help us clarify or respond to your request or to help us support other users (e.g., create a FAQ database).
We may provide technical support to service your Account with us. In order to do so, we may use certain PII, with your consent, to access your Account for the purpose of troubleshooting, running tests, and/or otherwise providing support. In providing technical support to you, we may potentially see other PII viewable on your Account pages. As with all other information, we will hold any information we encounter in the process of providing support to the highest possible security and protection standards.
Accessing and Updating your Personal Information
To review, access, or update your personal information to review its accuracy or request deletion, please contact us at email@example.com.
We will make commercially reasonable efforts to provide you with reasonable access to any of your personal or other account information held by Level within 45 days of your verified request. We provide this access so you can review, make corrections, or request deletion of your information. If we cannot honor your request within the 45-day period, we will tell you when we will be able to provide access. In the unlikely event that we cannot provide you access to your information, we will explain why we cannot do so.
Please note that any changes you make will be reflected in our active user database within a reasonable time, however we may retain information you submit for backups, archiving, prevention of fraud, to satisfy legal obligations, or where we otherwise reasonably believe there is a legitimate reason to do so.
You can opt out of receiving marketing communication we send you at any time. You can exercise this right by clicking on the “unsubscribe” link in the emails we send you or by contacting firstname.lastname@example.org
Additional information for California Residents
If you are a California resident and use our Platform, you can request a notice disclosing certain information about the categories of personal information we have shared with non-exempt third parties for their direct marketing purposes during the preceding calendar year. To request such a notice, please contact email@example.com.
Additional information for International Users
EU and UK Users
To prevent unauthorized access, safeguard data accuracy, and maintain the appropriate use of information, we have put in place appropriate physical, technical, and administrative procedures to protect the PII you submit. We rely upon industry-leading third party service providers to assist with data security efforts, including use of data storage and encryption in Amazon Aurora DB clusters and identity management through Amazon Cognito.
We strive to ensure the integrity and security of our network and systems. However, since the Internet is not 100% secure and as new technology evolves and emerges, we cannot guarantee that our security measures will prevent third-party interference from illegally obtaining or tampering with your personal information.
We encourage you to help us by also taking precautions to protect your personal data when you use the Platform. Change your Account password often, using a combination of letters, numbers, and characters, and make sure you use a secure connection.
Privacy of Minors
Level does not promote or offer the Platform for use by anyone under the age of 18 (“Minors”), knowingly solicit or collect PII from Minors, and will not knowingly link to any third-party website or platform that solicits or collects PII from Minors. If you believe that a Minor has disclosed PII to us or that we have linked to such a third-party or user website or platform, please contact us.
If our ownership substantially changes, such that all of its assets were acquired, or merged into another entity, or in the unlikely event that we enter bankruptcy, you understand that any stored personally identifying, and non-personally identifying information and data will likely be one of the assets that is transferred or acquired by a third party. You acknowledge that such transfers may occur, and that any acquirer or our merging entity may continue to use your personal information as set forth in this policy.
2022 Relume. All right reserved. Level Technology is a financial technology company and is not a bank. Banking services provided by Piermont Bank; Member FDIC. Your funds are FDIC insured up to $250,000 through Piermont Bank; Member FDIC. The Level Technology Visa® Debit Card is issued by Piermont pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa debit cards are accepted. Cash advances are provided by Level Technology, not Piermont Bank