Privacy Policy

Introduction and Overview
At Onboard Money (“Onboard Money,” “we,” “our,” “us”), our mission is to provide you with clarity for all of your life’s financial decisions. We empower you with financial information and guidance you can trust, along with tools to help you make the best decisions for your financial needs. When you use our websites and applications and share your Personal Information, we have an obligation to provide transparency about how your data is accessed and used by Onboard Money, our vendors, partners, and other third-party entities. This Privacy Policy explains the information we collect about you, how we collect it, how we use it, whom we share it with, and the steps we take to protect your information.

What This Privacy Policy Covers
This Privacy Policy describes our practices regarding your access and use of Onboard Money Services and the Onboard Money Platform.

• Onboard Money Services: When we say “Onboard Money Services” or “Services,” we mean the products and services provided directly by Onboard Money, including lending, credit, financial planning, and insurance tools available on our websites and mobile applications.
• Onboard Money Platform: When we say “Onboard Money Platform” or “Platform,” we refer to products and services offered by our unaffiliated third-party partners under a co-branded arrangement, where your information may be shared with or obtained from these partners with your consent. Examples include signing up for financial products, tax preparation tools, or insurance services. When your information is shared with these third parties, their respective privacy policies may apply.

Please note that Onboard Money is a financial institution, and most of our data practices are governed by the federal Gramm-Leach-Bliley Act (GLBA). You can review our Gramm-Leach-Bliley Privacy Notice for more information about privacy options related to most Onboard Money Services and Platform features. By using the Onboard Money Platform and Services, you consent to receive notices about your financial privacy electronically. We encourage you to read this entire Privacy Policy. By becoming an Onboard Money user or accessing the Onboard Money Platform and Services, you acknowledge that you have read and agree to this Privacy Policy. Your use of Onboard Money Services is also subject to our Terms of Use.

Information We Collect
When we say “Personal Information,” we mean any information that can reasonably identify an individual.

Information We Collect Directly From You
We collect Personal Information when you interact with Onboard Money, such as when you register, request financial products, or use tools like credit calculators. Examples include:

• Contact and registration information: Name, email address, phone number, mailing address, date of birth, username, and password.
• Identity verification: Social Security number, driver’s license number, or other government-issued IDs.
• Financial information: Payment information, income, bank account details, assets, liabilities, and financial goals.
• Demographic information: Age, gender, and other relevant information for financial tools or products.
• User-generated content: Communications like emails, phone call recordings (where permitted by law), and messages.
• Device and contact data: Information from your devices based on permissions granted.
• Inferences: Insights derived from your activities or third-party data.

Note: We do not store your third-party financial account IDs or passwords. Instead, we securely transfer this data to trusted third-party partners when you request related services.

Information Collected From Third Parties
We may obtain information about you from unaffiliated third parties, including:

• Banking institutions: Data shared with us when you sign up for third-party financial tools.
• Consumer reporting agencies: Credit reports or scores from partners like TransUnion or Equifax.
• Tax partners: Tax-related information from services powered by Column Tax.
• Financial account linking providers: Data from account aggregation tools like Plaid.
• Identity verification partners: Information used to validate your identity.
• Social media platforms: Data shared with us when you log in via platforms like Facebook.
• Public information sources: Government databases or property records.

When we combine third-party information with your Personal Information, we treat it according to this Privacy Policy.

Information Collected Automatically
We may automatically collect information when you interact with Onboard Money’s Platform or Services, such as:

• Usage data: Page views, actions taken, and time spent on pages.
• Location data: Geolocation data when you access our websites.
• Device data: IP address, device type, and browser information.

How We Use Your Information
We use your information to:

• Provide and improve the Onboard Money Services and Platform.
• Verify your identity and manage your account.
• Customize tools and recommendations for your financial needs.
• Communicate updates, offers, or support.
• Protect the integrity and security of our Services.
• Comply with legal obligations.

With your consent, we may use your email address or other Personal Information to send you administrative messages, updates, or promotional materials.

How We Disclose Your Information
We may share your information under the following circumstances:

• With third-party partners: When you request products or services, such as loan pre-qualification or credit tools.
• With service providers: To assist with operations like hosting, analytics, marketing, and fraud prevention.
• For legal purposes: To comply with laws, court orders, or legal investigations.
• For business transactions: During mergers, acquisitions, or corporate reorganizations.
• With your consent: When you direct us to share your data with third parties.

Cookies and Other Technologies
Onboard Money uses cookies and tracking technologies to improve your experience, measure performance, and display relevant ads. You can manage your cookie preferences through your browser or our Privacy Preferences tool.

Data Security
We implement safeguards to protect your Personal Information, but no system is completely secure. It’s also your responsibility to protect your login credentials.

Children’s Privacy
Onboard Money does not knowingly collect information from children under 16. If you believe we have done so, please contact us at privacy@onboardmoney.com.

Changes to This Privacy Policy
We may update this Privacy Policy from time to time. Any changes will take effect when posted, and we will notify you of material updates.

Contact Information
For questions or concerns, contact us at:
Email: privacy@onboardmoney.com
Mail: Onboard Money, 55 Hawthorne St., 10th Floor, San Francisco, CA 94105

Supplemental Privacy Notices
Residents of California, Colorado, Connecticut, Montana, Nevada, Oregon, Texas, Utah, and Virginia may have additional rights regarding their Personal Information. For more information, visit the Supplemental Privacy Notice section of this policy.