dash.fi provides financial products and services to growing companies. You understand that by using dash.fi, you place your trust in us to handle your data and personal information appropriately, including your personal information and the personal information of individuals affiliated with your company, such as your company’s employees, contractors, or beneficial owners.

We want to make sure that you have all the information necessary about how we process—a fancy way of collectively saying use, collect, transmit, store, share, and erase—personal information, which does not include anonymized or aggregated data, so you can make an informed decision about how you want to interact with our products and services.

We know that you may have questions about how we process your personal information, so we have laid out how we process personal information about you. We’re always open to inquiries and suggestions on how we can improve; please reach out to our Privacy Team at support@dash.fi.

Payment services are provided by The Currency Cloud Limited. Registered in England No. 06323311. Registered Office: The Steward Building 1st Floor, 12 Steward Street London E1 6FQ. The Currency Cloud Limited is authorised by the Financial Conduct Authority under the Electronic Money Regulations 2011 for the issuing of electronic money (FRN: 900199). In the US Currency Cloud operates in partnership with CFSB. CFSB fully owns the bank program and services are provided by The Currency Cloud Inc. Please see terms and conditions for more details.

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Information We Process When You Use Our Products and Services

The personal information we process depends on the products you use and how you access them. We process information when you directly interact with us in the following ways:

• Filling out an application and creating a dash.fi Account
• Making a purchase using your physical or virtual card
• Sending or receiving funds via ACH, Wire, or Check
• Browsing dash.fi or using other parts of our site
• Connecting accounts to your dash.fi Account
• Calling, chatting, or interacting with dash.fi team members (such as with our Customer Experience or Sales, or texting us a copy of a receipt)
• Interacting with us at a conference, webinar, or event

Information needed to apply and create a dash.fi Account

If you are opening a dash.fi Account, we need to process a certain dash.fi Account to comply with our legal and regulatory obligations. When you apply for an Account, we may process:

• Your name
• Your title or role on your team
• Your email
• Your phone number
• Your address
• Your date of birth
• Your password (hashed) - unique, long, and strong, please
  
• Information related to your company, including the company’s legal name, address, copies of your company’s corporate documents, and Employer Identification Number (EIN)
  
• Information about individuals on your leadership team or individuals who have an ownership interest in your company
  
• Bank account information
  
• Other information pertaining to your identity such as copies of a passport, driver’s license, or other national ID
  
• Your Tax Identification Number (TIN) or your Social Security Number (SSN)
  
• Revenue information (such as information related to Shopify, Amazon, or other ecommerce revenue platforms)
  
• Personal information provided to us from third-party companies we partner with to offer services to you (see below).
  

Information needed to use our products and services

We need to process personal information when your company assigns you a dash.fi Card or otherwise allows you to use our products and services (for example as an employee or authorized representative). To use these services, we may process:

• Your name
• Your name
• Your Phone Number

Information processed when you make a transaction

Each time you make a payment using a dash.fi Card, we receive information about your transaction. We may receive this information directly from you or from our financial partners (including Evolve Bank) or the card networks (Mastercard or Visa). We may process:

• Payment method information (card number, card type, PIN)
• Purchase amount
• Purchase date
• Purchase location
• Whether you made the purchase online or in a store
• Receipt information
• Information provided to us by the card network associated with transactions, merchants, or cardholders
  

Information automatically processed when you visit our websites or use our mobile app

We process personal information automatically when you visit our website or use our mobile app to make our services work, to prevent fraud and enhance security, to understand your preferences, and to tailor services to you for the best possible experience. We may process:

Browser and device information

• IP address
• Mobile and other hardware or device identifiers
• Operating system
• Browser information, such as type and version
• Referring and exit pages, including landing pages and pages viewed
  
• Device event information, including crash reports, request and referral URLs and system activity details

Information about your use of our website

• Your location
• What you click on and what you type, time you spend on our websites, and other user experience information

Cookies and trackers

We also use cookies and other activity tracking tools to help our website function effectively. These tools allow us to:

• Provide you services such as those that allow you to chat with our Customer Experience team
  
• Perform website and mobile analytics
  
• Improve the advertisements you see
  
• Help prevent fraud and prevent attacks against our websites and services
  
• Advertise and promote dash.fi products and services, and additional products and services from our partner companies
  

We use cookies and trackers to assign you a unique identifier so we can record:

• Websites you visit
  
• Length of time the advertisement was visible
  
• IP Address
  

You can block these at any time using your web browser settings, but doing so may limit browsing experience and your ability to use certain features of our services.

Information processed when you interact with dash.fi teams

We may process personal information about you when you call, chat, email, or interact with members of dash.fi teams (such as Customer Experience, Sales, or Marketing), including:

• Your name
  
• Your email or other contact information
  
• Content of your communications, including, in some cases recorded calls, and survey responses
  

Information processed when you join a webinar or event

We may process personal information about you when you join dash.fi at an event in person or online via a webinar. We may collect this information directly or obtain it from a third-party service provider. We may process:

• Your name
  
• Your email or other contact information
  
• Registration date and time
  
• Webinar attendance information, when you joined a webinar, when you left, if you were paying attention, and what country you joined from
  

Information processed when you enter into a sweepstakes, contest, or other promotion

We may process personal information when you enter a sweepstakes, contest, or promotion to administer those programs, including:

• Your name
  
• Your email, phone number, or other contact information
  
• Other personal information required for you to participate
  

Information processed when you use dash.fi

dash.fi may process personal information about you when you deposit or send funds, send or receive an ACH or wire, or interact with dash.fi sales or customer experience representatives. We may process:

Account Information

• Information associated with your dash.fi Account
  
• Available funds
  
• Available cash rewards
  

Information related to an ACH payment

• Recipient name or company
  
• Sender name or company
  
• Amount sent
  
• Amount received
  
• Routing and account numbers
  
• Recipient bank and account name
  
• Account type
  
• Other information generated when a payment is made through the ACH Network
  

Information related to a wire transfer

• Recipient name or company
  
• Sender name or company
  
• Amount sent
  
• Amount received
  
• Routing and account numbers, including IBAN & SWIFT code
  
• Recipient bank and account name
  
• Recipient address and country
  
• Wire instructions or purpose of payment
  
• Other information generated when a payment is made through an electronic payment transfer network
  

Information related to the processing of a check

• Recipient name or company
  
• Sender name or company
  
• Amount sent
  
• Amount received
  
• Memo
  
• Recipient address and country
  
• Recipient email
  
• Pictures of a check and related information (routing and account numbers, address of sender, telephone of sender, signatures of sender and endorser).
  

Information Processed from Our Business Partners and Service Providers

We may process personal information we receive from financial partners, identity verification services, and other third-party service providers, and information you share with us about your use of their products and services:

• To comply with regulatory and reporting obligations
  
• To facilitate your use of our products or services, or other products and services
  
• To underwrite your account
  
• To conduct fraud monitoring, prevention, and detection
  
• To fulfill commitments to our business partners
  
• To fulfill requests made by you
  

Information necessary to comply with regulatory and legal requirements

When you open a dash.fi Account as a company owner or an administrator on behalf of a company, or you provide information of an individual with an ownership interest in a company, we may process personal information we receive from identity verification services and other third-party service providers that we must keep to comply with the law, including:

• Your name
  
• Your phone number
  
• Your SSN
  
• Your current or previous addresses
  
• Your date of birth
  

Information processed to integrate third-party products and services with your dash.fi Account

When you choose to link your dash.fi Account with products and services provided by our business partners, we may process personal information we receive from them to ensure our products and services work properly together.

Your bank. To underwrite, provide you the highest credit limit possible, and determine your eligibility for dash.fi Cash Rewards, we may require you to give us information about your company’s finances and access to your company’s bank account. We may use third-party service providers to process information about your company’s bank account activity. When you link your bank account, we may process the bank account credentials and all information associated with the bank accounts associated with those credentials, including:

• Unique identifiers associated with your bank
  
• Account names
  
• Bank account type
  
• Transaction history and related information
  
• Account balances
  
• Bank routing and account numbers
  

If you do not link your bank directly, we process information you provide with copies of your bank statements and other financial information about your company.

To link your bank account with your dash.fi Account, a third-party service provider may use and store your bank account credentials. We do not store your bank account credentials on dash.fi systems.

dash.fi Account connections. We may offer the ability to connect your dash.fi Account with accounting services (such as QuickBooks Online,  Xero, and  Netsuite), Payment services (Shopify, Stripe, Square, Amazon,  Paypal,  etc), and other products and services. We both provide personal information to and receive personal information from these services on your behalf.

Accounting and expenses services. When you direct us to connect your dash.fi Account to these services, we may collect certain information to make those integrations work, including:

• Unique identifiers associated with the third-party connected account
  
• Information associated with your general ledger account
  
• General ledger account codes
  
• Locations
  
• Classes
  
• Departments
  
• Email addresses
  

The information we collect may differ based on the accounting service and the choices you make relating to that service.

Ecommerce revenue platforms. When you connect to an ecommerce revenue platform like Shopify or provide us ecommerce revenue data via other platforms like Amazon, PayPal or Braintree, we may receive data about your ecommerce revenue account, including:

• Account data
  
• Product, order, and payment data
  
• Store analytics
  
• Any other data that you may share with us related to those accounts
  

Program partners. We get information from financial service providers such as our issuing bank, card networks, and financial institutions that process payments on our behalf to make our services work. The information we get includes personal information related to your transactions using a virtual or physical dash.fi Card as described above.

Information processed to conduct fraud monitoring, prevention, and detection

We process personal information from our business partners, financial service providers, credit reporting agencies, identity verification services, public sources, and other third parties to prevent fraud.

Information processed as a result of a business partnership, referral, or agreement

We enter into agreements with financial partners and other businesses that provide products and services related to ours, and as a result of these partnerships, dash.fi may receive personal information related to that particular relationship or partnership. We may process information about:

• You and your relationship with the business partner
  
• Your email or other contact information
  
• Your membership or relationship status with the business partner

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We process your personal information for the reasons stated specifically in this policy, but we may also process personal information about you to:

Operate our business and provide tailored services to you.

• Communicate with you about the products and services by phone, text, email, or chat
  
• Monitor, prevent, and detect fraud or unauthorized activity
  
• Secure our systems and products
  
• Mitigate financial loss, claims, liability, and other harm to our users, dash.fi, our partners, or third parties
  
• Manage, operate, and improve the performance of our products and services
  
• Determine eligibility for dash.fi products or services
  
• Help you make or receive a payment via ACH, wire, or check
  
• Provide you with tailored recommendations
  
• Identify, fix, and troubleshoot bugs and errors
  
• Facilitate reporting, analyze performance, and auditing
  
• Understand how you use our services so we can make enhancements or improvements
  
• Facilitate business relationships or comply with contractual obligations
  
• Comply with our regulatory, legal, and other compliance obligations
  
• Advertise or market services and products to you
  
• Determine eligibility for, calculate, and provide dash.fi Rewards
  
• Compare information for accuracy and verify it with third parties
  
• Advertise or market services and products to you
  
• Compare information for accuracy and verify it with third parties
  
• If you elect to share information about your geolocation, we will use this information to enhance the security of our products and services and to prevent fraud
  

Provide you with support

• Help identify and troubleshoot problems with your account
  
• Survey your opinions through surveys or questionnaires
  
• Communicate with you and respond to your specific requests or questions
  
• Manage and send you notifications, confirmations and important information about your account and our products and services
  

Anonymized and aggregated data

To better target advertisements, improve, and market our products and services, and for other promotional purposes, we may reasonably transform personal information into de-identified information removing or masking information that could be used to identify you and by aggregating or combining de-identified data with other information. If you don’t want us to use your data in anonymized or aggregate form for promotional purposes, contact us at support@dash.fi

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