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AMELIATORY PRIVACY POLICY

Last Updated: March 28, 2025

1. INTRODUCTION

Ameliatory, LLC ("we," "our," or "us") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our online banking service that helps people use their banking power to make the world a better place.

Please read this Privacy Policy carefully. By accessing or using our service, you acknowledge that you have read, understood, and agree to be bound by all the terms outlined in this policy.

2. INFORMATION WE COLLECT

We may collect information about you in various ways:

2.1 Personal Information

  • Name, email address, phone number, and mailing address
  • Banking information and financial data
  • Date of birth and government-issued identification numbers
  • Transaction history and account balances
  • User profile information and preferences

2.2 Technical Information

  • IP address, browser type, and version
  • Device information including type and operating system
  • Cookies and usage data
  • Login information and activity logs
  • Location data (with your permission)

2.3 Communication Information

  • Customer service interactions
  • Survey responses and feedback
  • Marketing preferences

3. HOW WE USE YOUR INFORMATION

We use your information for the following purposes:

  • To provide, maintain, and improve our services
  • To process transactions and manage your account
  • To verify your identity and prevent fraud
  • To communicate with you about your account and our services
  • To personalize your experience and recommend relevant charitable opportunities
  • To comply with legal obligations and banking regulations
  • To analyze usage patterns and improve our platform
  • To protect our rights, property, or safety, and that of our users

4. DATA SHARING AND DISCLOSURE

We may share your information with:

4.1 Service Providers

We share information with third-party service providers who help us operate our service (payment processors, cloud services, analytics providers, etc.).

4.2 Banking Partners

We share necessary information with banking partners to facilitate transactions and account management.

4.3 Charitable Organizations

With your explicit consent, we may share limited information with charitable organizations you choose to support through our platform.

4.4 Legal Requirements

We may disclose your information if required by law, regulation, legal process, or governmental request.

4.5 Business Transfers

In the event of a merger, acquisition, or sale of all or a portion of our assets, user information may be transferred as part of the transaction.

5. DATA SECURITY

We implement appropriate technical and organizational measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction. Despite our efforts, no method of transmission over the Internet or electronic storage is 100% secure, and we cannot guarantee absolute security.

6. YOUR PRIVACY CHOICES

You have several rights regarding your personal information:

  • Access and correct your personal information
  • Delete your account and associated data (subject to legal retention requirements)
  • Opt-out of marketing communications
  • Control cookie settings and tracking technologies
  • Limit data sharing with third parties where applicable
  • Request a portable copy of your data

7. CHILDREN'S PRIVACY

Our service is not directed to children under 18. We do not knowingly collect personal information from children under 18. If you believe we have inadvertently collected information from a child, please contact us immediately.

8. INTERNATIONAL DATA TRANSFERS

Your information may be transferred to, stored, and processed in countries other than the one in which you reside. We ensure appropriate safeguards are in place to protect your data when transferred internationally.

9. CHANGES TO THIS POLICY

We may update this Privacy Policy from time to time. We will notify you of significant changes by posting the new policy on our website and, when appropriate, sending you a notification. Your continued use of our service after such modifications constitutes your acknowledgment of the modified policy.

10. CONTACT US

If you have any questions or concerns about this Privacy Policy or our data practices, please contact us at:

Email: privacy@ameliatory.com
Phone: [insert phone number]
Address: [insert physical address]

11. ADDITIONAL RIGHTS FOR SPECIFIC JURISDICTIONS

11.1 European Economic Area (EEA) Residents

If you are located in the EEA, you have additional rights under the General Data Protection Regulation (GDPR).

11.2 California Residents

California residents have specific rights under the California Consumer Privacy Act (CCPA) and California Privacy Rights Act (CPRA).

11.3 Other Jurisdictions

Residents of other jurisdictions may have additional rights under applicable local laws.

This privacy policy is a template and should be reviewed by a legal professional before implementation.