Your Privacy Is Our Priority
A Guide to How We Protect and Utilize Customer Information
This Privacy Policy (“Policy”) addresses how FlipInvestor, Inc. (“iFlip,” “we”, “our,” “us”) collects, uses, and discloses your information when you use our services, systems, websites, and applications (the “Services”) or contact iFlip. References in this Policy to “you” or “your” means, you, the individual customer or individual that interacts with us. Should you have any questions about anything written in this Policy, please feel free to contact us using the contact information listed below the heading “Contact Us.”
Protecting Your Privacy
Earning and keeping your trust is at the core of our business. We are committed to protecting the personal and financial information you’ve entrusted to us. In accordance with federal privacy regulations, we would like to share with you the principles and policies that we use to ensure the privacy of customer information.
Our Pledge to You
While information plays a large role in our ability to provide superior service, we know that our most important asset is our customers' confidence in us. Keeping customer information secure and using it only as our customers would want us to, are matters of principle for all of us at iFlip.
Here is our pledge to you. We will:
- Respect the trust you place in us and the confidential nature of the information you provide through your financial relationship with us.
- Limit the collection and use of customer information to what we believe would be useful to service your accounts, administer our business, or tell you about our services.
- Restrict employee access to customer information to those who need it to provide services to you.
- Educate our employees to reinforce the importance of confidentiality and customer privacy.
- Maintain appropriate security standards and procedures to protect information about you.
- Respond quickly to your request to correct inaccurate information.
- You can count on us to protect the privacy of the information you have entrusted to us and to provide you with the responsive, professional service you deserve.
Information We Collect
The information we collect and maintain about you comes primarily from you during the course of doing business with iFlip. This personal information, not available publicly, comes from the following sources:
- If you choose to contact us by U.S. mail, telephone, or via email, we may collect your first and last name, email address, telephone number, and mailing address, age, Social Security Number (collectively, “Contact Information”), and any other relevant information that is related to your request or comment.
- Information you provide to us when you fill out account opening documents, complete a form, or make a request for services. This may include your Contact Information, investment objectives, investment experience, assets, and income.
- Information from your transactions with us, such as your account balance, account usage, and margin loan history.
- Information obtained from others, such as credit reporting agencies.
How We Use Information
Our mission is clear: to help you reach your financial goals. Information about you and your accounts play a key role in our ability to succeed in this mission. It also helps us service your accounts and administer our business.
For example, we use information about you to:
- Meet compliance and regulatory requirements to open and service your brokerage account.
- When you contact us by mail, over the telephone or via email, we use the Contact Information that we collect to respond to your request or comment.
- Respond more accurately and efficiently to your requests.
- Identify opportunities to give you more convenience and control by developing new services that may benefit you.
Keeping Information Safe
We limit access to the information we have about you to those employees who need to know to provide you with services to help you meet your financial needs. We maintain appropriate physical, electronic and procedural safeguards to protect your information.
Sharing Information with Third Parties Who Help Us Provide You Services
To protect your privacy, we limit the information we share outside iFlip. We conduct our business with great respect for the confidential nature of the information being provided. We share your information as set forth below:
Third Party Service Providers that Help Us Provide You Services
In connection with offering you the Services, we may share information with companies external to iFlip to complete a transaction you have requested or to help us service your account. We are highly selective in choosing these companies. In each case, we prohibit our third-party service providers from using any of your personal information, such as your name, telephone number, mailing address, social security number, or email address for any other purposes except for rendering their services to us.
Examples of the types of outside companies with which we may share information include non- financial companies that perform services for us such as data processing and companies that perform securities execution and clearing services on our behalf.
Compliance with Law; Preservation of Rights
We reserve the right to disclose any information that you have made available to us if its disclosure is necessary, as determined in our sole discretion, to comply with legal obligations imposed on us, including without limitation, in response to a subpoena, legal process, or a judicial or governmental request. We also reserve the right to disclose your information in order to protect our rights or, to protect the rights, property, or safety of iFlip, our customers, and other parties.
Sale of the Company
If FlipInvestor, Inc., or substantially all of FlipInvestor’s assets, are sold, or we reorganize or merge into another company, then your information, including your personal information, is likely to be among one of the transferred assets included in the transaction.
Your Options Regarding your Information
In the event that you would like to review, correct, update, or delete any of the personal information that you have provided to us, such as your first and last name, email address, telephone number, mailing address, or any other information that you have provided to us, please contact us at the contact details provided under the heading “Contact Us.” Please clearly describe your request and include sufficient information in the request to enable us to locate your information, or in the alternative, to contact you (to the extent not prohibited by applicable law) to verify your request or to obtain additional information as necessary to carry out your request.
An Ongoing Commitment to Your Privacy
We are just as committed to protecting the privacy of our former customers as we are our current customers. If you choose to close your account(s) or become an inactive customer, you will continue to be protected by the privacy policies and principles described in this policy.
“Do Not Track” or DNT requests?
Our website and applications do not respond to or otherwise acknowledge Do Not Track requests or signals from Internet web browsers.
COPPA (Children Online Privacy Protection Act)
We do not knowingly solicit information from or otherwise market to children under the age of 18. Visitors to our Website, or those that open accounts with us, must be at least 18 years of age. If you are under 18 years of age or otherwise classified as a minor under applicable law, you should not provide any information to us. If someone under the age of 18 has provided us with personal information, the child’s parent or guardian should contact us using the information provided below to have us delete such information from our records.
California Privacy Disclosures and Californian’s Right to Know About Personal Information Collected, Disclosed, or Sold
The California Consumer Privacy Act of 2018 (“CCPA”) requires we provide certain disclosures to consumers as detailed in this section.
Notice of Collection Practices
The following table outlines the categories of personal information that have been collected about consumers during the preceding 12-month period, the reasons for collection and the category of sources of the information:
|
Category of Personal Information Collected |
Types of Information Collected |
Business or Commercial Purpose for Collection |
Category of Sources for the Information Collected |
|
Identifiers |
Real name, email address, telephone number, mailing address, date of birth, and social security number. |
We collect these Identifiers to complete Know Your Customer (“KYC”) and Anti Money Laundering (“AML”) regulations to open and appropriately service your account. |
We collect all the identifiers from the individuals who contact us to open an account with iFlip. |
|
Categories of personal information as described in Cal. Civ. Code § 1798.80(e) |
Real name, email address, telephone number, mailing address, date of birth, and social security number. |
We collect these Identifiers to complete Know Your Customer (“KYC”) and Anti Money Laundering (“AML”) regulations to open and appropriately service your account. |
We collect all the identifiers from the individuals who contact us to open an account with iFlip. |
|
Characteristics of protected classifications under California or federal law |
Not Applicable |
Not Applicable |
Not Applicable |
|
Commercial Information |
Not Applicable |
Not Applicable |
Not Applicable |
|
Biometric Information |
Not Applicable |
Not Applicable |
Not Applicable |
|
Internet or other network activity |
Not Applicable |
Not Applicable |
Not Applicable. |
|
Geolocation Data |
Not Applicable |
Not Applicable |
Not Applicable |
|
Audio, electronic, visual, thermal, olfactory or similar information |
Not Applicable |
Not Applicable |
Not Applicable |
|
Professional or employment related information |
Information concerning your employment status and occupation. |
We collect this information to better tailor our services and support to your needs. |
We collect all such information from the individuals who contact us. |
|
Education information defined as information not publicly available personally identifiable information as defined in the Family Educational Rights and Privacy Act |
Not Applicable |
Not Applicable |
Not Applicable |
|
Inferences drawn from any of the information identified in this column, which is used to create a profile reflecting the consumer’s preferences, characteristics, psychological trends, predispositions, behavior, attitudes, intelligence, abilities, and aptitudes |
Not Applicable |
Not Applicable |
Not Applicable |
Categories of Personal Information Disclosed for a Business Purpose
During the preceding 12-month period, we have disclosed identifiers, such as first and last name and also disclosed personal information, including identifiers and categories of personal information as described in Cal. Civil Code § 1798.80(e) for a business purpose, including our third-party service providers for purposes of those third parties rendering their services to us as detailed in this Policy.
Categories of Personal Information Sold for a Commercial Purpose
We do not sell personal information for a Commercial Purpose.
We have no knowledge of having any personal information of consumers that are under age 18 and have no intention to sell such information if we had it. It is an express requirement that visitors to our Website and those that open an account with us be at least 18 years of age.
Data Rights under the CCPA
Right to Access
The CCPA affords California consumers the right to request that a business that collects personal information about the consumer disclose certain information to that consumer including the categories of personal information that the business has collected, the categories of sources it has collected personal information from, the business or commercial purpose for collecting or selling the personal information, the categories of third parties the business shares the personal information, and the specific pieces of personal information it has collected about the consumer. While that information is listed in this Policy, you may separately request this information as it specifically relates to you by contacting us as defined in the Contact Us section of this Policy. Our verification process is detailed below.
Notice of Right to Opt-Out of the Sale of Personal Information
A California consumer enjoys the right under the CCPA to opt-out of the sale of the consumer’s personal information by a business to a third party. We do not sell consumer’s personal information to any third parties.
Right to Deletion
The CCPA grants California consumers with the right to request the deletion of the consumer’s personal information that has been collected and maintained by the business. You may submit a deletion request by contacting us as defined in the “Contact Us” section of this Policy. Please be sure to note that you want us to delete your personal information. We will seek confirmation of your request as detailed in the section below concerning our verification process.
Non-discrimination Rights
The CCPA prohibits us from discriminating against a California consumer who chooses to exercise that consumer’s privacy rights as detailed in this Policy.
Verification Procedure
In connection with verifying a request to exercise data rights under the CCPA, we will verify the contact information we collect from you with information contained in our database. We will also generate a confirmation email to any email address that we have on file to help confirm the authenticity of a request. Where we are unable to verify the information provided to us, we will notify the submitter of the request that we are unable to process their request.
If you are the authorized agent making a request under the CCPA, you will be asked to indicate that you are making your request on behalf of another individual and the information that you provide must match all of the information that we have in our system for the person whom you are submitting such a request.
For all failed requests, we will provide you with instructions on how to properly submit a data request to us in accordance with the CCPA.
Changes to this Privacy Policy
We reserve the right to make changes to this Policy from time to time as we may determine in our sole discretion. If we decide to make a change to this Policy, we will post those changes on this page and we will update the “Last Modified Date” provided at the top of this page. It is your responsibility to regularly review this Policy as any changes will become effective upon posting and are legally binding upon you. To the extent we make a material change to this Policy, as it concerns are collection or use of information, we will provide notice on the main web page of the Website or if required by applicable law, we will request your consent to a particular change.
Contact Us
If there are any questions regarding this Privacy Policy, please contact us by sending an email to support@iflipinvest.com