GREENBACK HOLDINGS INC. PRIVACY NOTICE

This Privacy Notice describes Our policies and procedures on the collection, use and disclosure of Your information when You use the Service and tells You about Your privacy rights and how the law protects You.

We use Your Personal data to provide and improve the Service. By using the Service, You agree to the collection and use of information in accordance with this Privacy Notice.

Greenback Holdings Inc. ("Greenback," "we," "us," or "our") values your privacy and is committed to safeguarding your personal information. This Privacy Notice explains how we collect, use, share, and protect your information when you use our websites, applications, products, and services (collectively, the "Services").

By using or accessing our Services, you acknowledge that you have read and understand this Privacy Notice.

1. INFORMATION WE COLLECT

We collect the following categories of information:

Personal Information You Provide:

• Name, email, mailing address, and contact details.
• Financial account and transaction information when you link financial institutions.
• Billing and payment data (e.g., card type, last 4 digits, billing address).
• Information you submit via forms, customer service, surveys, or interactive features.

Automatically Collected Information:

• Device information (IP address, device ID, browser type, OS).
• Usage data (pages visited, session time, clickstream data, crash reports).
• Location information (via IP or device GPS, where permission is granted).

Third-Party Data Sources:

• Financial data providers (e.g., account balances, transactions) via integrations.
• Analytics and advertising partners providing user engagement insights.

Information From AI Assistants You Connect:

• If you connect an AI assistant, such as Claude, to your account: the requests it makes on your behalf, and records of the connection. See Section 4.

2. HOW WE USE YOUR INFORMATION

We use your data to:

• Provide, maintain, and improve our Services.
• Facilitate account creation, transactions, and customer support.
• Personalize your user experience.
• Communicate with you about your account, promotions, and service updates.
• Protect the security and integrity of our systems.
• Conduct research, auditing, and data analysis to improve our Services.
• Comply with legal and regulatory obligations.
• Enforce our Terms of Use and other legal rights.

3. HOW WE SHARE YOUR INFORMATION

We may share your information with:

Service Providers:

• Entities who assist us with operations such as payment processing, customer service, analytics, hosting, and security.

Financial Institutions & Data Aggregators:

• To facilitate account linking and retrieve financial data securely.

Advertising & Marketing Partners:

• For targeted offers and performance measurement, subject to opt-out rights.

Legal & Compliance Authorities:

• As required by law, regulation, or legal process, or to protect rights and safety.

Corporate Transactions:

• In case of mergers, acquisitions, restructuring, or asset sales.

With Your Consent or Direction:

• When you instruct us or give explicit permission.
• When you connect an AI assistant, such as Claude, we send it the information it requests on your behalf, within the permissions you approved. See Section 4.

4. AI ASSISTANT CONNECTORS

You can connect an AI assistant to your Greenback account so that it can answer questions about your finances and, if you allow it, set up categories and rules for you. For example, you can connect Anthropic's Claude through the Greenback connector. This section explains what happens to your information when you do.

Your Approval:

• An AI assistant can access your account only after you sign in to Greenback and approve it on a consent screen that lists each permission it will receive.
• By default, an assistant receives read-only access to your name and email address, your accounts and balances, and your transactions, categories, and budgets. It can create categories, budgets, or categorization rules only if you separately approve that permission when it asks.
• An assistant connected to Greenback cannot move money, make payments, delete information, or change the category of a transaction you have already categorized.

Information We Receive and Keep:

• We do not receive your conversations with the assistant. We receive only the requests it makes to answer you, such as a request for your transactions in a date range.
• We keep a record of each connection: which assistant you connected, the permissions you approved, and when you connected or disconnected it. The credentials we issue to the assistant are stored in hashed form.
• Our systems log technical information about each request, such as the time, the IP address it came from, and whether it succeeded. These logs do not include the details of the request, such as account names, merchants, or category names.
• We use analytics to measure how often connection requests are viewed, approved, denied, or refused. These records include the assistant's name and the permissions involved. They do not include your balances or transaction details.

Information We Share With the Assistant:

• When the assistant makes a request, we send it the information needed to answer it, limited to the permissions you approved and to your own account.
• The provider of the assistant, such as Anthropic for Claude, is a third party you choose to connect, not a service provider acting on our behalf. Its handling of the information it receives is governed by its own terms and privacy policy, such as Anthropic's Privacy Policy.
• We do not share information retrieved by an assistant with our advertising or marketing partners.

Your Choices:

• You can disconnect an assistant at any time in Greenback on the web, under Settings → Security → Connected apps. Disconnecting takes effect immediately and revokes the assistant's access.
• If you delete your Greenback account, any connected assistant loses access immediately.
• You can also remove the connector within the assistant itself, which stops the assistant from using it.
• Information an assistant has already received is subject to its provider's retention practices. Please refer to the provider's privacy policy.

5. YOUR CHOICES

You control your information:

Marketing Opt-Out:

• You can opt out of marketing emails by following the unsubscribe link or contacting us.

Data Access, Correction, and Deletion:

• You can request access to or deletion of your personal data by contacting support@greenbackapp.com.

6. COOKIES AND TRACKING TECHNOLOGIES

We use cookies, web beacons, and similar technologies to:

• Deliver and improve our Services.
• Personalize your experience.
• Measure performance and effectiveness of advertising.

You can control cookie settings via your browser. Disabling some cookies may affect Service availability.

7. DATA SECURITY

We employ technical and organizational measures to protect your data, including encryption, secure server configurations, access controls, and regular audits. However, no system is fully immune to breaches.

8. DATA RETENTION

We retain personal information for as long as your account is active or as needed to meet legal, regulatory, or business obligations.

We keep records of AI assistant connections (see Section 4), including connections you have disconnected, as security records for as long as they are needed for security, fraud-prevention, and legal purposes.

9. CHILDREN'S PRIVACY

Our Services are not intended for children under 13. We do not knowingly collect data from children. If you believe a child has provided us personal information, contact us and we will delete it.

10. CALIFORNIA AND NEVADA PRIVACY RIGHTS

For residents of California and Nevada, you have rights under state law regarding access to, deletion of, and opting out of the sale or sharing of your personal data. Please contact us to exercise your rights.

11. CHANGES TO THIS NOTICE

We may update this Privacy Notice to reflect changes in our practices. We will notify you of material updates through our Services or other communications.

12. CONTACT INFORMATION

For questions or requests related to this Privacy Notice, please contact:

Greenback Holdings Inc.
Email: support@greenbackapp.com
Website: https://www.greenbackapp.com/