Scope and Consent
We collect the following information when you use the Application.
(a) Registration and Profile Information: When you activate the Application, you voluntarily provide personal information including your email address.
(b) Information About Payees: If you initiate a payment, you may give us their personal information including email address, financial institution routing number, and financial institution account number.
Use and Retention
In general information collected by the Application will be disclosed solely with your financial institution. Certain other disclosures to law enforcement or for purposes of support may be required.
Access and Review Options
You can review your personal information by accessing your profile on the Application. You can edit your personal information by contacting your financial institution.
We protect your personal information using security measures built in to your mobile device as well as into the Application. Payment information is exchanged between the Application and your financial institution via secure channels.
Notification Regarding Updates
1. Scope and Consent
2. Information We Collect
b. Information About Payees: In the normal course of Application use, you will submit personal information about other people in order to initiate a payment to pay them. This information includes their name, email address, the name and routing number of the financial institution where they hold an account, and financial account numbers. You should receive your consent to your sharing of their personal information before submitting it to us.
3. Use, Retention and Disclosure
a. Application Operations: We use the information collected to (i) respond to your requests; (ii) enable your financial institution to initiate payments between you and a payee; (iii) send you an email to notify you of an initiated payment; (iv) facilitate your activation of the Application and resolve issues relating to that activation; (v) resolve a problem related to a payment with your financial institution; (vi) provide customer service and obtain your feedback regarding the Application (e.g., to resolve disputes, problems with your instance of the Application); (vii) improve the Application; (viii) provide you with a safe, efficient, and customized experience.
b. Analyze and Aggregate Non-Personal Information: We use aggregate information about our users and non-personal information to analyze Application and user behavior and for general business purposes, including but not limited to data analysis, audits, developing new products, enhancing our Application, identifying usage trends, and improving services.
d. Communicate With You: We use your information to contact you to maintain the Application, to comply with your stated communication preferences, to provide other services requested by you, as described at the time when we collect the information from you, or contact you for other purposes (e.g. customer service purposes), or otherwise authorized by law.
b. With Your Consent, Excheq, LLC will disclose information to other third-parties to whom you explicitly ask us to send your information (or about whom you are otherwise explicitly notified and consent to when using a specific service).
c. We will disclose requested information to Law enforcement, governmental agencies, or authorized third-parties, in response to a verified request relating to a criminal investigation or alleged illegal activity or any other activity that may expose us, you, your financial institution, or any other User to legal liability. In this regard, we may share your information with third parties in response to a subpoena, other legal process and/or as permitted by law. In such events, we will only disclose information relevant and necessary to the investigation or inquiry.
5. Accessing, Reviewing, and Changing Your Personal Information
Your information is stored in obscured form on servers provided by Amazon Web Services. We maintain technical, physical, and administrative security measures to protect the security of your personal information against loss, misuse, unauthorized access, disclosure, or alteration. Some of the safeguards we use are firewalls, data encryption, physical access controls to our data centers and information access authorization controls. It is your responsibility to make sure that your personal information is accurate and that your password(s) and account/profile registration information are secure and not shared with third-parties.
7. Notification Regarding Updates
8. Contact Us
If your questions are not answered online, you may email us at firstname.lastname@example.org, or using the contact us form at https://excheq.com/ or write to us at Excheq, LLC, 1901 Oakcrest Avenue, Ste 9A, Roseville, MN 55113.