Privacy Policy

Platform Agreement

Business Deposit Account Agreement

Deposit Account Control Agreement

Business Visa Debit Cardholder Agreement

Electronic Communications Agreement

Last modified: March 3, 2022

Introduction

Outgo, Inc. ("Company," "we," or “us”) respects your privacy and is committed to protecting it through our compliance with this policy.

This policy describes the types of information we may collect from you or that you may provide when you visit the website http://www.outgo.co (our "Website"), use our mobile or desktop applications, or otherwise interact with us (collectively, our “Services”) and our practices for collecting, using, maintaining, protecting, and disclosing that information.

This policy applies to information we collect:

On this Website.
In email, text, and other electronic messages between you and this Website.
Through our mobile and desktop applications that you download, which provide dedicated non-browser-based interaction between you and this Website.
In other interactions with us, such as customer service calls.

It does not apply to information collected by: any third party (including our affiliates and subsidiaries), including through any application or content (including advertising) that may link to or be accessible from or on the Website

Please read this policy carefully to understand our policies and practices regarding your information and how we will treat it. If you do not agree with our policies and practices, your choice is not to use our Website. By accessing or using this Website, you agree to this privacy policy. This policy may change from time to time (see Changes to Our Privacy Policy). Your continued use of this Website after we make changes is deemed to be acceptance of those changes, so please check the policy periodically for updates.

Children Under the Age of 13

Our Website is not intended for children under 13 years of age. No one under age 13 may provide any personal information to or on the Website. We do not knowingly collect personal information from children under 13. If you are under 13, do not use or provide any information on this Website or through any of its features, register on the Website, use any of the interactive or public comment features of this Website, or provide any information about yourself to us, including your name, address, telephone number, email address. If we learn we have collected or received personal information from a child under 13 without verification of parental consent, we will delete that information. If you believe we might have any information from or about a child under 13, please contact us at support@outgo.co.

Information We Collect About You and How We Collect It

We collect several types of information from and about users of our Website, including information:

By which you may be personally identified, such as name, postal address, e-mail address, telephone number, social security number or Motor Carrier Number (MC Number), or any other identifier by which you may be contacted online or offline ("personal information");
Financial information, such as account numbers and related information including balances and transactions, invoices, and payment histories.
That is about you but individually does not identify you, such as content that you may post to blogs on our Website or other interactive aspects of our Services; and/or
About your internet connection, the equipment you use to access our Website, and usage details.

We collect this information:

Directly from you when you provide it to us.
From current users of our Services that may have referred or recommended our Services to you through our Website, mobile, or desktop applications.
From our financial services providers and partners, when you have enrolled in or use our Services.
Automatically, as you navigate through the site. Information collected automatically may include usage details, IP addresses, and information collected through cookies and other tracking technologies.

1. Information You Provide to Us

The information we collect on or through our Services may include:

Information that you provide by filling in forms on our Website or otherwise using our Services. This includes information provided at the time of registering to use our Website, subscribing to or using our Services, posting material, or requesting further services. We may also ask you for information when you enter a contest or promotion sponsored by us, and when you report a problem with our Website.
Records and copies of your correspondence (including email addresses), if you contact us.
Your responses to surveys that we might ask you to complete for research purposes.
Details of transactions you carry out through our Services and of the fulfillment of your orders, including invoices or accounts receivable amounts. You may be required to provide financial information before placing an order through or otherwise using our Website or other Services.

You also may provide information to be published or displayed (hereinafter, "posted") on public areas of the Website or elsewhere while using our Services, or transmitted to other users of our Services or third parties (collectively, "User Contributions"). Your User Contributions are posted on and transmitted to others at your own risk. Although we may limit access to certain pages or you may set certain privacy settings for such information by logging into your account profile, please be aware that no security measures are perfect or impenetrable. Additionally, we cannot control the actions of other users of the Website with whom you may choose to share your User Contributions. Therefore, we cannot and do not guarantee that your User Contributions will not be viewed by unauthorized persons.

2. Information We Collect Through Automatic Data Collection Technologies

As you navigate through and interact with our Website or our other Services, we may use automatic data collection technologies to collect certain information about your equipment, browsing actions, and patterns, including:

Details of your visits to our Website, including usage data, location data, logs, and other communication data and the resources that you access and use on the Website.
Information about your computer and internet connection, including your IP address, operating system, and browser type.

The information we collect automatically may include personal information, but we may maintain it or associate it with personal information we collect in other ways or receive from third parties. This helps us to improve our Services and to deliver a better and more personalized experience, including by enabling us to:

Estimate our audience size and usage patterns.
Store information about your preferences, allowing us to customize our Services according to your individual interests.
Speed up your searches.
Recognize you when you return to our Website or otherwise interact with our Services.

The technologies we use for this automatic data collection may include:

Cookies (or browser cookies).
A cookie is a small file placed on the hard drive of your computer. You may refuse to accept browser cookies by activating the appropriate setting on your browser. However, if you select this setting you may be unable to access certain parts of our Website. Unless you have adjusted your browser setting so that it will refuse cookies, our system will issue cookies when you direct your browser to our Website.
Web Beacons.
Pages of our Website and e-mails sent by us or on our behalf may contain small electronic files known as web beacons (also referred to as clear gifs, pixel tags, and single-pixel gifs) that permit us, for example, to count users who have visited those pages, opened an email, and for other related website statistics (for example, recording the popularity of certain website content and verifying system and server integrity).

We may associate these types of information to other information about you that we collect from other sources or that you provide to us.

3. Third-Party Use of Cookies and Other Tracking Technologies

Some content or applications, including advertisements, on the Website are served by third-parties, including advertisers, ad networks and servers, content providers, and application providers. These third parties may use cookies alone or in conjunction with web beacons or other tracking technologies to collect information about you when you use our website. The information they collect may be associated with your personal information or they may collect information, including personal information, about your online activities over time and across different websites and other online services. They may use this information to provide you with interest-based (behavioral) advertising or other targeted content.

We may also partner with selected third-party vendors, such as Google Analytics, to allow tracking technologies and remarketing services on our Website or through our other Services to analyze and track your use of our Services, determine the popularity of certain content, and better understand your online activities as they relate to us. By accessing our Website or using our Services, you consent to the collection and use of your information by these third party vendors. We do not control these third parties' tracking technologies or how they may be used. For more information, you are encouraged to review the Google Analytics informational page and contact Google directly if you have any questions about such policies. We do not transfer personal information to these third party vendors; however, if you do not want any information to be collected using tracking technologies, you can visit the Network Advertising Initiative Opt-out Tool or Digital Alliance Opt-out Tool and update your preferences. You can also set your browser to refuse all or some browser cookies, or to alert you when cookies are being sent. If you disable or refuse cookies, please note that some parts of this site may then be inaccessible or not function properly.

How We Use Your Information

We use information that we collect about you or that you provide to us, including any personal information:

To present our Website, its contents, and our Services to you.
To provide you with information, products, or services that you request from us.
To fulfill any other purpose for which you provide it.
To provide you with notices about your account, including expiration and renewal notices.
To carry out our obligations and enforce our rights arising from any contracts entered into between you and us, including for billing and collection.
To notify you about changes to our Website or any products or services we offer or provide through it.
To allow you to participate in interactive features on our Website.
For security purposes, fraud detection, and for similar purposes.
In any other way we may describe when you provide the information.
For any other purpose with your consent.

We may also use your information to contact you about our other services that may be of interest to you. If you do not want us to use your information in this way, please check the relevant box located on the form on which we collect your data (the registration form) or adjust your user preferences in your account profile.

We may use the information we have collected from you to enable us to display advertisements to our advertisers' target audiences. Even though we do not disclose your personal information for these purposes without your consent, if you click on or otherwise interact with an advertisement, the advertiser may assume that you meet its target criteria.

Disclosure of Your Information

We may disclose aggregated information about our users, and information that does not identify any individual, without restriction.

We may disclose personal information that we collect or you provide as described in this privacy policy:

To our subsidiaries and affiliates.
To contractors, service providers, and other third parties we use to support our business and who are bound by contractual obligations to keep personal information confidential and use it only for the purposes for which we disclose it to them.
To a buyer or other successor in the event of a merger, divestiture, restructuring, reorganization, dissolution, or other sale or transfer of some or all of Outgo Inc's assets, whether as a going concern or as part of bankruptcy, liquidation, or similar proceeding, in which personal information held by Outgo Inc about our Website users is among the assets transferred.
To fulfill the purpose for which you provide it. For example, if you give us an email address to use the "refer a friend" feature of our Website, we will transmit the contents of that email and your email address to the recipients.
To ensure the continuity of our Services and Website, such as by submitting application crash reports to mobile app stores.
For any other purpose disclosed by us when you provide the information.
With your consent.

We may also disclose your personal information:

To comply with any court order, law, or legal process, including to respond to any government or regulatory request.
To enforce or apply our terms of use https://www.outgo.co/legal/platform-agreement and other agreements, including for billing and collection purposes.
If we believe disclosure is necessary or appropriate to protect the rights, property, or safety of Outgo, our customers, or others. This includes exchanging information with other companies and organizations for the purposes of fraud protection and credit risk reduction.

Accessing and Correcting Your Information

You can review and change your personal information by logging into the Website and visiting your account profile page.

You may also send us an email at support@outgo.co to request corrects to any personal information that you have provided to us. We may not accommodate a request to change information if we believe the change would violate any law or legal requirement or cause the information to be incorrect.

Data Security

We have implemented commercially reasonable physical, electronic, and administrative measures designed to secure your personal information from accidental loss and from unauthorized access, use, alteration, and disclosure. Unfortunately, the transmission of information via the internet is not completely secure. Although we do our best to protect your personal information, we cannot guarantee the security of your personal information transmitted to our Website. Any transmission of personal information is at your own risk. We are not responsible for circumvention of any privacy settings or security measures contained on the Website.

The safety and security of your information also depends on you. Where we have given you (or where you have chosen) a password for access to certain parts of our Website, you are responsible for keeping this password confidential. We ask you not to share your password with anyone.

Changes to Our Privacy Policy

It is our policy to post any changes we make to our privacy policy on this page with a notice that the privacy policy has been updated on the Website home page. If we make material changes to how we treat our users' personal information, we will notify you by email to the primary email address specified in your account and/or through a notice on the Website home page. The date the privacy policy was last revised is identified at the top of the page. You are responsible for ensuring we have an up-to-date active and deliverable email address for you, and for periodically visiting our Website and this privacy policy to check for any changes.

Contact Information

To ask questions or comment about this privacy policy and our privacy practices, contact us at: support@outgo.co.