Privacy

1. Introduction
Your privacy is important to Serin™. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our website, mobile app, and related services (collectively, the “Services”).

2. Information We Collect
We may collect the following types of information:
- Personal information you provide during account registration (e.g., name, email, phone).
- Financial information provided through third-party services (e.g., transaction data, account balances).
- Device and usage information (e.g., IP address, device type, operating system, app usage statistics).
- Communication information when you contact customer support.

3. How We Use Your Information
We use the information we collect to:
- Provide and improve the Services.
- Deliver budgeting insights, notifications, and educational nudges.
- Process transactions and enable banking/card features through our partners.
- Communicate with you regarding updates, promotions, and support.
- Comply with legal, regulatory, and risk management obligations.

4. Banking & Third-Party Providers
Banking and card services are provided by an FDIC-insured partner bank once available. The Serin™ Card will be issued by a partner bank pursuant to a license from Visa/Mastercard. Financial account connectivity is powered by third-party providers. These providers may collect and process your information subject to their own privacy policies.

5. How We Share Information
We may share your information with:
- Our sponsor bank and card processor for providing financial services.
- Third-party vendors and service providers supporting our operations.
- Regulators, law enforcement, or legal requests when required.
- Affiliates, successors, or acquirers in the event of a merger or acquisition.
We do not sell your personal information to third parties.

6. Data Security
We implement industry-standard security measures to protect your data, including encryption, secure authentication, and limited access controls. However, no system is 100% secure, and we cannot guarantee the absolute security of your information.

7. User Controls & Choices
You may:
- Update or correct your account information.
- Manage communication preferences.
- Close your Serin™ account at any time.
- Request deletion of your personal data, subject to legal and regulatory requirements.

8. Children’s Privacy
Serin™ is not directed to children under 18, and we do not knowingly collect personal information from children. If we learn that we have collected information from a child under 18, we will take steps to delete it.

9. International Users
Our Services are intended for users located in Delaware. If you access the Services from outside this jurisdiction, your information may be transferred and processed in the United States.

10. Changes to this Privacy Policy
We may update this Privacy Policy from time to time. We will notify you of significant changes by posting the updated policy in the app and on our website.

11. Contact Us
If you have questions about this Privacy Policy or our privacy practices, please contact us at:
Email: serin@serinapp.com
Mailing Address: Delaware