Last updated July 7, 2023
This Privacy Policy (the “Policy”) describes the information Fan, Inc. collects about you, how we use and share that information, and the privacy choices we offer. This Policy applies to information we collect when you register for Fan, Inc., access or use our website, mobile applications, products, and services (collectively, the “Services”), or when you otherwise interact with us. This includes information we collect when you access or use the online web interface or mobile application operated by Fan, Inc. to view, manage, or conduct transactions on the Fan, Inc. demand deposit account (“Fan, Inc. Banking Account”) or the Fan, Inc. Debit Visa Card® (“Fan, Inc. Card”).
The terms “Fan, Inc.,” “we,” “us,” or “our” mean Fan, Inc. “You” or “your” means an individual who visits or uses our Services. The term “Site” includes (1) all websites and all devices or mobile applications operated by Fan, Inc. that collect personal information from you and that link to this Privacy Policy; (2) pages within each such website, device, or mobile application, any equivalent, mirror, replacement, substitute, or backup website, device, or mobile application; and (3) all pages that within each such website, device, or mobile application.
Fan, Inc. collects personal information about you for a variety of purposes. We work to collect the following categories of personal information from individuals:
We may also collect information about you from mailing list providers, publicly available sources, identification verification services and other third parties.
When you use certain Services, we may collect usernames, passwords, account numbers, and other account information for third-party websites and Internet banking services (“Third-Party Sites”). We also collect account information from you when you open a Fan, Inc. Banking Account and obtain a Fan, Inc. Card through our mobile application or online banking website. This information is used to obtain your account, transaction, and other banking information from the relevant financial institution on your behalf in order to display the information to you or to fulfill your requests for certain products, services, or transactions through a Service. We use third-party service providers, such as Plaid Inc. (“Plaid”) and MX (“MX”), to obtain this information.
By using our Services, you grant Fan, Inc., Plaid and MX the right, power, and authority to act on your behalf to access and transmit this information from the relevant financial institution. With respect to Plaid, you agree to your personal and financial information being transferred, stored, and processed by Plaid in accordance with Plaid's privacy policy.
We use various technologies to collect information, and this may include sending cookies to your computer or mobile device. Cookies are small data files that are stored on your hard drive or in device memory by a website. Among other things, cookies support the integrity of our registration process, retain your preferences and account settings, and help evaluate and compile aggregated statistics about user activity. We may also collect information using web beacons. Web beacons are electronic images that may be used in our Services or emails. We may use web beacons to deliver cookies, count visits, understand usage, and determine whether an email has been opened and acted upon.
We may collect your computer browser type, Internet protocol address, pages visited, and average time spent on our Site. This information may be used, for example, to alert you to software compatibility issues, or it may be analyzed to improve our web design and functionality.
When you use our mobile applications or the mobile versions of our Site, we may collect the unique device identifier assigned to that device by phone makers, carriers, or makers of the operating system (the “Device ID”). Device IDs allow app developers, and others to uniquely identify your device for purposes of storing application preferences and other data.
We may use the information you provide about yourself and about your Fan, Inc. Banking Account, Fan, Inc. Card, or Third-Party Sites to fulfill your requests for our products, programs, and Services, to respond to your inquiries about our Services, and to offer you other products, programs, or services that we believe may be of interest to you.
We may use your information to complete transactions you request, to verify the existence and condition of your accounts, or to assist with a transaction. For example, we may use the account information you provide or that we collect from Third-Party Sites to confirm your accounts are valid and to access funds from your accounts in connection with fulfillment of the Services.
We may use your information to improve and personalize the Services. For example, we may use your information to pre-fill form fields on the Sites for your convenience.
We may share personal information about you as follows:
We take your privacy and the security of your information very seriously, and have an information security program that includes administrative, technical, and physical measures to protect your information. Examples of measures we have taken to protect your information include, but are not limited to:
We may provide you with information and summaries of your accounts and Services through email, SMS and mobile notifications. We may also allow you to subscribe to email newsletters and from time to time may transmit emails to you promoting Fan, Inc. or third-party goods or services.
Subscribers have the ability to opt out of receiving our promotional emails and to terminate their newsletter subscriptions by following the instructions in the emails. Opting out in this manner will not end transmission of service-related emails, such as information and summaries of your accounts and Services.
If you wish to access personal information that you have submitted to us or to request the correction of any inaccurate information you have submitted to us, you may correct certain information through our Site. Alternatively, you can send an email that includes your contact information to contact@faninc.com to request any corrections to your personal information.
You may also email us if you wish to deactivate your Services, but even after you deactivate your Services, we may retain archived copies of information about you for a period of time that is consistent with applicable law.
The California Consumer Privacy Act (“CCPA”) allows California residents, upon a verifiable consumer request and subject to applicable exemptions, to request that we give you access, in a portable and (if technically feasible) readily usable form, to the specific pieces and categories of personal information that we have collected about you, the categories of sources for that information, the business or commercial purposes for collecting the information, and the categories of third parties with which the information was shared. California residents also have the right to submit a request for deletion of information under certain circumstances. Fan, Inc. will not discriminate against you for exercising your rights, such as by denying you services, charging you different prices for services, or providing you a different level or quality of services. Please note that you must verify your identity and request before further action will be taken. As part of this process, we may require you to provide government identification. Consistent with California law, you may designate an authorized agent to make a request on your behalf. In order to designate an authorized agent to make a request on your behalf, you must provide a valid power of attorney, the requester’s valid government-issued identification, and the authorized agent’s valid government-issued identification.
We do not sell your personal information to third parties. We do, however, share personal information with third parties for the business purposes described in this Policy.
California law also permits our customers who are California residents to request and obtain from us once a year, free of charge, information about the personal information (if any) we disclosed to third parties for direct marketing purposes in the preceding calendar year.
If you are a California resident and would like to make any of these requests, please submit your request to contact@faninc.com.
We reserve the right, at our discretion, to make changes to this Policy from time to time, so please review it frequently. You may review updates to our Terms of Use and Privacy Policy at any time via links on www.faninc.com You agree to accept electronic communications and/or postings of revised versions of this Policy on www.faninc.com and agree that such electronic communications or postings constitute notice to you of the revised version of this Policy. Changes take effect immediately upon posting.
