Your privacy and security matter greatly to us at EFIcyent. This Global Privacy Policy (“Policy”) outlines how we collect, use, and share your personal information when you interact with our products and services.

In this Policy, “EFIcyent” refers to EFIcyent and its subsidiaries and affiliates, including any brands operating under the EFIcyent umbrella (referred to as “we,” “our,” or “us”). This Policy applies globally to all personal data collected through our websites, mobile apps, and other online platforms that display this Privacy Policy (“Sites”), as well as to interactions with us related to our products and services (collectively, “Services”).

Please read this Policy carefully as it explains your rights regarding your personal information. If you disagree with any part of this Policy, please refrain from using our Services.

EFIcyent collects data from a variety of sources. “You” may refer to a visitor of the Site, a customer of EFIcyent (“Client”), or an end-user of one of our Clients (“End User”), or a recipient of our Services. If you are an End User, your use of the Services will also be subject to an agreement between us and the respective Client.

If you have obtained a financial product or service in the United States through EFIcyent, Inc., primarily for personal, family, or household use, we will manage and share your data in accordance with our U.S. Consumer Privacy Notice.

Information We Collect

The personal information we collect depends on how you engage with our Services, the choices you make, your location, and applicable laws.

Information You Provide Directly to Us

When you use our Services or Site, you provide us with information such as:

• Identifiers: Name, address, email, phone number, age, date of birth, gender, citizenship, login credentials, IP address, and device details.
• Government Information: Details from your national ID, driver’s license, passport, Social Security number, tax identification, etc.
• Employment Information: Your job title, employer, and salary range.
• Company Details: Information related to your business, including company name and location.
• Payment Information: Payment transaction history and other payment-related data.
• Financial Information: Bank account details, routing numbers, and card information.
• Verification Information: Data to verify your identity, including photos and fraud checks.
• Sensitive Information: Social Security number, passport number, or financial account information combined with security credentials.

If you do not provide the requested information, we may be unable to provide certain features of our Services.

Additionally, you may submit personal data via other channels such as social media, responding to marketing efforts, or participating in offers or promotions.

Information We Collect Automatically

We may automatically collect data when you visit our Sites or use our Services, including:

• Device and browser information, IP address, operating system, and Internet service provider details.
• Activity data like pages visited, links clicked, content interacted with, and usage frequency.

Third parties may assist us in gathering this information. We also work with advertising partners to monitor our website performance and personalize ads.

Information From Third Parties

In some cases, we obtain data from third parties such as:

• Business partners, financial service providers, identity verification services, and public sources (e.g., name, address).
• Marketing and research partners to help improve our records and better serve you.

How We Use Your Information

We use your data to provide our Services and for other business-related purposes, including:

• Service Delivery: Managing your account and fulfilling our contracts with you.
• Communications: Sending updates, technical notices, and customer support messages.
• Marketing: Offering information on our products, services, and events that might interest you, in compliance with applicable laws.
• Security: Detecting fraud, ensuring security, and protecting our systems and customers.
• Improvement: Analyzing usage trends to enhance our Services.
• Legal Compliance: Fulfilling legal obligations such as anti-money laundering regulations.

We may also use your information for other purposes with your consent.

Legal Basis for Processing

Depending on your location, we process your data based on:

• Contractual Necessity: To fulfill our obligations to you.
• Legitimate Interests: For business purposes like security, payment processing, and fraud prevention.
• Legal Compliance: Meeting regulatory and legal requirements.
• Consent: When you have given consent for specific uses of your data.

Information Sharing and Disclosure

We do not sell your personal information. We share data with:

• Affiliates: Other entities within the EFIcyent group.
• Service Providers: Trusted third parties providing services such as payment processing, fraud prevention, and marketing.
• Legal Authorities: When required by law or to protect our rights.
• Business Transfers: In the event of mergers, acquisitions, or other business transactions.

We may also share anonymized, aggregated data that does not identify you.

Your Privacy Rights and Choices

Depending on your jurisdiction, you may have rights over your personal data, including:

• Access: Request a copy of your personal data.
• Deletion: Ask us to delete certain information.
• Correction: Correct inaccurate or incomplete information
• Objection Restrict the use of your data for specific purposes.
• Consent Withdrawal: Withdraw your consent where applicable.
• Opt-Out: Opt-out of certain data sales or targeted advertising.
• Non-Discrimination: We won’t treat you unfairly for exercising your rights.

To exercise these rights, contact us at support@eficyent.com. We will take steps to verify your identity before processing requests.

Retention of Information

We retain your data for as long as necessary to provide the Services or comply with legal obligations. When no longer needed, we will securely delete or anonymize your information unless retention is required by law (e.g., anti-money laundering regulations).

International Data Transfers

We operate globally, and your information may be transferred to locations outside your home country. We take steps to ensure your data is protected in accordance with this Privacy Policy, using legal mechanisms like Standard Contractual Clauses where necessary.

California Privacy Rights

If you are a California resident, specific privacy rights under the California Consumer Privacy Act (CCPA) may apply, including the right to know what data we collect, opt-out of data sales, and request deletion. Please refer to the sections above for further details on how we collect and share your data.

Security

We implement security measures to protect your data from unauthorized access. However, no security system is foolproof, and we cannot guarantee absolute protection. In case of a breach, we will notify affected individuals in accordance with applicable laws.

Children’s Privacy

We do not knowingly collect data from anyone under the age of 16. If we learn we have inadvertently gathered such information, we will delete it promptly. If you believe we have collected data from a child, please contact us at support@eficyent.com.

Contact Us

For questions about this Privacy Policy or our data practices, please email us at support@eficyent.com