Your privacy is critically important to us.
It is TIFIN Wealthtech LLC (“TIFIN”, “TIFIN @Work”, and “TIFIN Wealth”) (hereinafter, "us", "we", “our”, or “TIFIN @Work”) policy to respect your privacy regarding any information we may collect while operating our Website and Services. This Privacy Policy applies to (i) our Websites (“tifin.com”, ‘tifinwealth.com’, “tifinatwork.com”, “getchallenger.com”, “challengercash.com”, etc.) (ii) the TIFIN @Work mobile and web applications and related services ((i) and (ii), collectively the “Services”). We respect your privacy and are committed to protecting personally identifiable information you may provide us.
We have adopted this privacy policy ("Privacy Policy") to explain what information may be collected on our Website and Services, how we use this information, under what circumstances we may disclose the information to third parties, and what rights you have regarding this information. This Privacy Policy covers how we treat Personal Information when you access or use our Services. “Personal Information” means any information or data that identifies or relates to a specific individual including personal and financial data. We do not consider Personal Information to include information that has been anonymized so that it does not allow a third party to easily identify a specific individual.
This Privacy Policy, together with the Terms of Service posted on our Website, set forth the general rules and policies governing your use of our Services. Depending on your activities when interacting with our Services, you may be required to agree to additional terms and conditions.
By using, interacting, or accessing our Website or Services, you acknowledge and accept the practices and policies outlined in this Privacy Policy, and you hereby consent that we will collect, use and share your information as described herein.
Financial Services
TIFIN @Work requires Personal Information to provide financial services made available in partnership with Piermont Bank and others. If you have a financial product or service with TIFIN @Work, you have certain choices regarding the collection, use, sharing, and processing of your Personal Information by TIFIN @Work and our partners. Please refer to the Consumer Privacy Notice below as well as TIFIN @Work’s Terms of Service, Piermont Bank’s Privacy Policy and Terms & Conditions.
Employers
TIFIN @Work works with employers and other third parties to deliver Services to consumers. TIFIN @Work does not share personal financial data with employers unless you explicitly opt-in to do so to access additional features. TIFIN @Work does share anonymous or aggregated data with employers to communicate high-level insights and users cannot limit this type of sharing.
Website Visitors
Like most website operators, TIFIN @Work collects non-personally identifying information of the sort that web browsers and servers typically make available, such as the browser type, language preference, referring site, and the date and time of each visitor request. TIFIN @Work's purpose in collecting non-personally identifying information is to better understand how TIFIN @Work's visitors use its website. From time to time, TIFIN @Work may release non-personally identifying information in the aggregate, e.g., by publishing a report on trends in the usage of its website.
Personal Information We Collect
Certain visitors to our Services choose to interact with TIFIN @Work in ways that require TIFIN @Work to gather personally identifiable information (PII). The amount and type of information that TIFIN @Work gathers depends on the nature of the interaction. For example, we may use the information you provide when you complete an online application for a product or service in order to process and evaluate your application. If you request product information, we may use the information you provide to mail you information you request.
This information may include, but is not limited to:
We use personal information collected online for various functions, which may include:
We may also use the information you provide to contact you regarding your account. In addition, we may collect and use information for analytic purposes, market research or for marketing purposes, as allowed by law. When you are no longer our customer, we may continue to share your information as described in this notice. For more information on the Personal Information we collect and how we use it, please refer to “Categories of Sources of Personal Data”, “How Personal Information is Protected and Shared”, and the “Consumer Privacy Notice” below.
Regulated Data
Some of the data listed above, such as name, date of birth, taxpayer identification or social security number, and other personal/financial information, may be regulated by federal and state laws and regulations, such as the Gramm-Leach-Bliley Act (the “GLBA Act”). To the extent such data is subject to the GLBA Act, please refer to our consumer privacy notice below.
Geo-location Data
TIFIN @Work may collect information from your device about your location while you are accessing or using our Services and while you are not accessing or using Services. We may use this information to enhance your security while using our Services or to provide targeted offers to you. You may opt out of the collection of location data at any time by changing your settings on your mobile device. However, if you do so, certain features of the Services may not be available to you or the performance of certain features of the Services may be limited or not work at all.
Biometric Data
TIFIN @Work’s mobile Application supports FaceID and TouchID. If you enabled such settings on your mobile device, you may be asked to scan your face or provide your fingerprints to verify your identity. TIFIN @Work and its service providers may collect such information (including the biometric data contained therein) in order to verify your identity and provide our Services.
Security
We seek to protect your Personal Information from unauthorized access, use, and disclosure using appropriate physical, technical, organizational, and administrative security measures. You can help protect your data by selecting, using, and protecting a unique password and/or other sign on mechanism and limiting access to your devices. The security of your Personal Information is important to us, but remember that no method of transmission over the Internet, or method of electronic storage is completely secure.
Ads appearing on our website may be delivered to users by advertising partners, who may set cookies. These cookies allow the ad server to recognize your computer each time they send you an online advertisement to compile information about you or others who use your computer. This information allows ad networks to, among other things, deliver targeted advertisements that they believe will be of most interest to you. This Privacy Policy covers the use of cookies by TIFIN @Work and does not cover the use of cookies by any advertisers.
Data Retention
We will retain your account and Personal Information for as long as your account is active or as needed to provide you our Services. We will retain and use your information as necessary to comply with our legal obligations and regulation, to resolve disputes, and to enforce our agreements.
Links To External Sites
Our Services may contain links to external sites that are not operated by us. If you click on a third party link, you will be directed to that third party's site. We strongly advise you to review the Privacy Policy and terms and conditions of every site you visit.
We have no control over and assume no responsibility for the content, privacy policies or practices of any third party sites, products or services.
Aggregated Statistics
TIFIN @Work may collect statistics about the behavior of visitors to its website and users of our Services. TIFIN @Work may display this information publicly or provide it to others.
Cookies
To enrich and perfect your online experience, TIFIN @Work uses "cookies" and similar technologies and services provided by others to display personalized content, appropriate advertising and store your preferences on your computer.
A cookie is a string of information that a website stores on a visitor's computer, and that the visitor's browser provides to the website each time the visitor returns. TIFIN @Work uses cookies to help identify and track visitors, their usage of our Websites, and their website access preferences. Visitors who do not wish to have cookies placed on their computers should set their browsers to refuse cookies before using TIFIN @Work 's websites, with the drawback that certain features of TIFIN @Work's websites may not function properly without the aid of cookies.
By continuing to navigate our website without changing your cookie settings, you hereby acknowledge and agree to TIFIN @Work's use of cookies.
Business Transfers
If TIFIN @Work, or substantially all of its assets, were acquired, or in the unlikely event that TIFIN @Work goes out of business or enters bankruptcy, user information would be one of the assets that is transferred or acquired by a third party. You acknowledge that such transfers may occur, and that any acquirer of TIFIN @Work may continue to use your personal information as set forth in this policy. We will make reasonable efforts to notify you if your information becomes subject to different privacy policies.
Privacy Policy Changes
Although most changes are likely to be minor, TIFIN @Work may change its Privacy Policy to reflect changes to our information practices, at TIFIN @Work's sole discretion. TIFIN @Work encourages visitors to frequently check this page for any changes to the Privacy Policy. Your continued use of this site after any change in this Privacy Policy will constitute your acceptance of such change.
If we make any changes to how we use Personal Information, we will notify you prior to the change becoming effective.
Contact
If you are a registered user of TIFIN @Work’s Services and have supplied your Personal Information, TIFIN @Work may occasionally send you an email, SMS, or push notification to tell you about new features, solicit your feedback, or just keep you up to date with what's going on with TIFIN @Work and our products. We primarily use our blog to communicate this type of information, so we expect to keep this type of email to a minimum. If you send us a request (for example via a support email or via one of our feedback mechanisms), we reserve the right to publish it in order to help us clarify or respond to your request or to help us support other users. TIFIN @Work takes all measures reasonably necessary to protect against the unauthorized access, use, alteration or destruction of potentially personally-identifying and personally-identifying information.
US Persons
TIFIN @Work’s Services are intended for US-based businesses and consumers. If you are located outside of the United States, your information may be recorded and processed in the United States. We currently do not offer products or services to non-U.S. users.
Categories of Sources of Personal Data
We collect personal information from the following sources:
How Personal Information is Protected and Shared
TIFIN @Work discloses Personal Information only to those of its employees, contractors, service providers, and affiliated organizations that (i) need to know that information in order to process it on TIFIN @Work's behalf or to provide Services, and (ii) that have agreed not to disclose it to others. Some of those employees, contractors, service providers, and affiliated organizations may be located outside of your home country; by using TIFIN @Work’s Services, you consent to the transfer of such information to them.
We do disclose your Personal Information to the categories of service providers, partners, and other parties listed in this section. Depending on state law that may be applicable to you, some of these disclosures may constitute a “sale” of your nonpublic personal data.
Our Commercial or Business Purposes for Collecting Personal Data
TIFIN @Work’s Contact Information
tifinwealth.com
workplace@tifinwealth.com
2440 Junction Pl Suite 300
Boulder, CO 80301
Consumer Privacy Notice
TIFIN Wealthtech LLC is a financial technology company, not a bank.
Banking services are provided by Piermont Bank, Member FDIC ("Piermont Bank"). The TIFIN @Work Mastercard®️ Debit Card is issued by Piermont Bank pursuant to a license from MasterCard International and may be used everywhere Mastercard debit cards are accepted.
