1. Information We Collect
We collect information you provide directly to us, including:
- Name and contact information
- Account credentials
- Financial information
- Communications you send to us
As part of onboarding, we collect identity-verification and account-connection information through Plaid. We also collect certain information automatically, including device information, usage data, and cookie data, and may receive information from third-party sources.
2. Identity Verification & Account Connection (Plaid)
We use Plaid Inc. ("Plaid") to verify your identity and link your financial accounts. Plaid processes your information under the Plaid End User Privacy Policy.
Freedom Reserves does not store your raw Social Security number, identification documents, or bank credentials. We retain only a secure token and the result of the verification.
3. How We Use Your Information
We use the information we collect to:
- Verify your identity and prevent fraud
- Maintain linked financial accounts
- Process transactions
- Manage your account
- Communicate with you
- Personalize your experience
- Comply with legal and regulatory obligations
4. How We Share Your Information
We do not sell your personal information. We may share your information:
- With Plaid and financial institutions to provide the Services
- With service providers who support our operations
- To comply with legal requirements
- To protect our rights and the rights of others
- In connection with a business transfer
- With your consent
SMS Data Privacy: We highly value your privacy. Absolutely no text messaging originator opt-in data and consent will be shared with, provided to, or sold to any third parties or affiliates for marketing or promotional purposes. Your mobile information remains strictly confidential.
5. Data Retention
We retain your information in accordance with our Data Retention & Disposal Policy. When information is no longer needed, it is securely deleted or anonymized. Data processed by Plaid is governed by Plaid’s terms.
6. Cookies and Tracking Technologies
We use the following types of cookies:
- Essential cookies required for the website to function
- Analytics cookies that help us understand usage
- Marketing cookies used for advertising purposes
You can control cookies through your browser settings. We do not respond to "Do Not Track" signals.
7. Your Privacy Rights
Depending on your location, you may have the right to:
- Access the personal information we hold about you
- Request correction of inaccurate information
- Request deletion of your information
- Opt out of certain processing
- Request data portability
- Restrict or object to processing
To exercise these rights, contact us at info@freedomreserves.com. California residents have additional rights under the CCPA, and residents of the EEA and UK have additional rights under the GDPR.
8. Data Security
We use industry-standard measures to protect your information. However, no method of transmission or storage is completely secure, and we cannot guarantee absolute security.
9. Third-Party Links
Our website may contain links to third-party sites. We are not responsible for the privacy practices of external websites.
10. Age Restriction & Eligibility
Our Services, including our SMS/text messaging program, are not directed to individuals under the age of 18. If we learn that we have inadvertently collected information from a child under 18, we will delete it.
11. SMS/Text Messaging Program
- Program Details & Opt-In: Users may opt-in to receive SMS/text messages from Freedom Reserves by submitting their information through our website contact forms and checking the explicit consent checkboxes. Messages may include account updates, transaction notifications, and support communications.
- Message Frequency & Rates: Message frequency varies based on your account activity. Message and data rates may apply.
- Opt-Out & Assistance: You can cancel the SMS service at any time by replying "STOP" to any text message you receive from us. For assistance, reply "HELP".
12. Changes to This Policy
We may update this Privacy Policy from time to time. Updates will be reflected by the "Last Updated" date at the top of this page.
13. Governing Law
This Privacy Policy is governed by the laws of the State of Utah. Any disputes shall be resolved exclusively in the state or federal courts located in Utah.
14. Contact Us
If you have questions about this Privacy Policy, please contact us: