Nophin Inc. ("Nophin", "our", "we", "us", "Company") has adopted this Privacy Policy to make it easy for you to understand what sorts of personal information Nophin collects and how we use that information. This Privacy Policy discloses information that we collect, process, and use when you visit our website (the “Site”) and use our products and services we offer via our Site and related applications (collectively the “Services”). By using our Services, you agree to this Privacy Policy and our Terms of Use. This Policy will detail information around your rights and obligations and explains how, why, and when we collect and process your data.
Please read this Privacy Policy carefully before using the Services. We recognize, respect, and are committed to protecting the privacy rights of all personal data from our users, customers, potential customers, partners, and suppliers (collectively, "Users"). We may amend this Privacy Policy at any time by posting a revised version on our Site. All changes are effective immediately and when we post and we will use reasonable efforts to alert you about any changes by updating the “Last Updated” date of this Privacy Policy.
1. Personal Information We Collect
1.1. Personal information you provide to us directly. We may collect the following categories of personal information from you when you voluntarily provide them to us through a web form or similar request:
1.2. Personal information we collect from your use of our Services. Our systems (either internally or through our service providers) may automatically record the following personal information about you when you visit our Site:
1.3. Information we may collect about your customers. We also obtain information about your customers, vendors or tenants on your behalf when they transact with you (“Your Customers’ Data”). We collect Your Customers’ Data when they transact with you through your use of Nophin’s Services, for instance when they make a payment, or receive an invoice from you. The Customer Data we collect will vary depending on how you use our Services and which Services you use. Your Customers’ Data may include:
1.4. Service providers. We partner with service providers who gather, process, and synthesize data into personal information that we use. Some of these service providers use cookies, as described below. Our service providers give us access to analytics data (as described more fully below under “Performance Cookies”) and information about your bank-account transactions and bank KYC information. Nophin uses Plaid Inc. (“Plaid”) and Stripe, Inc. (“Stripe”) to gather your data from financial institutions. By using our Service, you grant Nophin, Plaid and Stripe the right, power, and authority to act on your behalf to access and transmit your personal and financial information from the relevant financial institution. You agree to your personal and financial information being transferred, stored, and processed by Plaid and Stripe in accordance with their respective Privacy Policy. To learn more about how our service providers use your information, you can visit the links below:
1.5. Cookies, and similar technologies. We gather certain information using technologies such as cookies, beacons, and pixels (collectively, “cookies”), which are tracking technologies that allow us and our partners to record pieces of information about you or your device whenever you visit or interact with our Services. We use various technologies to collect and store information when you use the Services, and this may include sending one or more cookies or devices identifiers, which we classify as follows:
To find out more about cookies, including how to see what cookies have been set and how to manage and delete them, visit www.aboutcookies.org, www.allaboutcookies.org, and http://optout.aboutads.info/.
To opt out of being tracked by Google Analytics across all websites visit: tools.google.com/dlpage/gaoptout.
1.6. Your communications with Nophin. Any data you provide to us may be stored digitally or in hard copy. Surveys and conversations via email, phone, and social media may also be stored and associated with your account.
1.7. Other sources. We may obtain information about you from other publicly available sources, including through government and civic systems. We collect information from government-provided public records to verify other personal information we collect from you. For avoidance of doubt, government-maintained, publicly available records do not constitute personal information and are not within the scope of this Policy.
2. How We Use Your Personal Information
2.1. Reasons we use your personal information. We use your information in the following ways:
2.2. Other reasons. We may combine the information we collect from our Services to create new data sets, which we may use in any manner consistent with the purposes stated above. We may also use your information in any way that you provide your consent for.
2.3. Do not track. Some internet browsers may be configured to send Do Not Track signals to the online sites that you visit. Our Site does not respond to Do Not Track signals.
3. How We Share and Disclose Your Personal Information
3.1. Nophin shares your data with third parties as permitted by law to the following parties:
3.2. Minors and Unintentional users. Nophin does not knowingly collect, store, or disclose any personal information about children under the age of 18. Nophin is not intended to be used by any individuals under the age of 18. We will attempt to remove any information that has been collected on minors, unless we have a legal obligation to retain it.
3.4. Data Retention. We store the personal information we receive as described in this Privacy Policy for as long as you use our Services, or as necessary to fulfill the purpose(s) for which it was collected, provide our Services, resolve disputes, establish legal defenses, conduct audits, pursue legitimate business purposes, enforce our agreements, and comply with applicable laws.
4. Your Rights.
4.1. Notifications. By using the Services or providing personal information to us, you agree that we may communicate with you electronically regarding security, privacy, and administrative issues relating to your Service. You are free to opt-out of receiving email offers at any time by emailing support@nophin.com or by clicking the unsubscribe link in any marketing material you receive from us. This will not unsubscribe you from critical emails required for the provision of our Service. This includes but is not limited to emails regarding payments due, payments received, payments missed. It is your responsibility to provide us with your accurate email address, contact, and other information related to your use of banking services and to maintain and update promptly any changes in this information. You can update your information through Nophin Services or by contacting us at support@nophin.com. To help protect the confidentiality of your personal information, please do not send us any confidential information via unencrypted email messages. In the event of a security breach, we will attempt to notify you electronically by mail, email, or notice on our Services. You may opt-out of future text solicitations by responding to any text with the word “STOP” and may opt-out of telephone solicitations to your residential or mobile phone by asking the caller to be placed on our do-not-call list.
4.2. Account Closure. You can request to close your account if you are not actively using Nophin’s Services. If you close your account, we will mark your account in our database as “Closed”, but we will keep your account information in our database to comply with our legal obligations. This is necessary to deter fraud, by ensuring that persons who try to commit fraud will not be able to avoid detection simply by closing their account and opening a new account. If you close your account, your personal information will not be used by us for any further business purposes, nor shared with third parties, except as necessary to prevent fraud and assist law enforcement, as required by law or in accordance with this Privacy Policy.
5. Security. The security of your personal information is very important to Nophin. We use physical, electronic, and administrative safeguards that are designed to protect your personal information from loss, misuse, and/or unauthorized access, disclosure, alteration, and destruction. However, no information transmitted over the Internet or other network can be guaranteed to be 100% secure. As a result, while we strive to protect information transmitted on or through our Site or Services, we cannot and do not guarantee the security of any information you transmit on or through the Site or Services and you do so at your own risk.
6. Link to other sites. Our Site may contain links to websites or services not controlled by Nophin. These links do not condone the support of these sites and do not imply that we have reviewed or agree with their content and/or privacy policy. Nophin is not responsible for the privacy practices or content on other sites, and you should be aware of their respective policies and terms.
7. Sale of Information. We do not sell or rent personal information collected by our Services to third parties.
8. Regional Privacy Statements.
8.1. California Privacy Statement. California Civil Code Section 1798.83, also known as the “Shine The Light” law, permits our users who are California residents to request and obtain from us, once a year and free of charge, information about categories of personal information (if any) we disclosed to third parties for direct marketing purposes and the names and addresses of all third parties with which we shared personal information in the immediately preceding calendar year. If you are a California resident and would like to make such a request, please submit your request in writing to us using the contact information provided below.
8.2. Nevada Privacy Statement. Residents of the State of Nevada have the right to opt out of the sale of certain pieces of their information to other companies who will sell or license their information to others. Nophin does not sell personal information.
8.3. Other regions. This Privacy Policy is intended for residents of the United States. Only residents of the United States should be accessing this Site and its Services.
9. Other.
9.1. Unauthorized use. You are solely responsible for all activities that occur under your account and will immediately notify Nophin about any unauthorized use of your password and/or of your account.
9.2. Contact. If you have any questions regarding this Privacy Policy, contact us at support@nophin.com.