Effective Date: January 2022
When you visit the Website or use our mobile platform, we collect your IP address, and standard web log information, such as your browser type and the pages you accessed on our Website. We also may collect certain geo-location information. If you do not agree to our collection of this information, you may not be able to use our Financial Services Platform. If you open an account, we collect the following information from you:
We may require additional information from you we can use to verify your identity, address, or other information or to manage our internal risk and compliance matters throughout our relationship. We may also obtain information about you from third parties such as identity verification, fraud prevention, and similar services.
When you are using the Stellar Platform, we collect information about your account transactions, trust relationships and we may collect information about your computer or other access devices for fraud prevention and other similar purposes.
Finally, we may collect additional information from or about you in other ways not specifically described here. For example, we may collect information related to your contact with our customer support team or store results when you respond to a survey.
We do not knowingly solicit or collect information from any individuals under the age of 18. No one under the age of 18 may be a User of Stellar Platform or have access to the applications.
When you access the Website, we, or companies we hire to track how our Website is used, may place small data files called"cookies" on your computer. For example, we send a "session cookie" to your computer any time you log in to your Stellar account. This type of cookie helps us to recognize you if you visit multiple pages on our Website during the same session so that we do not need to ask you for your password on each page. You are free to decline StellarFinance, Inc. cookies if your browser permits but doing so may interfere with your use of the Website.
We store and process your personal information using third-party servers located in secure data centers in the United States. This information is protected by physical, electronic, and procedural safeguards in compliance with applicable U.S. federal and state regulations. We also use computer safeguards such as firewalls and data encryption; we enforce physical access controls to our office and files; we authorize access to personal information only for those employees who require it to fulfill their job responsibilities.
We make reasonable efforts to ensure security on our systems. Despite our efforts, we cannot guarantee that personal information may not be accessed, disclosed, altered, or destroyed by breach of our administrative, managerial and technical safeguards. Therefore, we urge you to take adequate precautions to protect your personal data as well, including never sharing your Stellar password with anyone.
If Stellar learns of a systems security breach, we may attempt to notify you electronically so that you can take appropriate protective steps. By using the Stellar Platform, you agree that Stellar may communicate with you electronically. Stellar may post a notice on the Website if a security breach occurs. We may also send an email to you at the e-mail address you have provided to us. Depending on where you live, you may have a legal right to receive notice of a security breach in writing. To receive written notice of a security breach (or to withdraw your consent from receiving electronic notice of a security breach) you should notify us.
We may use your personal information to:
To process payments on the Stellar Platform, we need to share some of your personal information with other persons or companies. Your name, contact information, address, date of sign-up, the number of payments you have received, and other verification metrics, like social graph activity, may be provided to persons or companies when you transact with, on, or through the Stellar Platform.
We work with third-party vendors to enable them to accept payments from you using the Stellar Platform. In doing so, a vendor may share information about you with us, such as your mobile phone number or Stellar username, when you attempt to pay that vendor. We use this information to confirm to that vendor that you are a Stellar User, and that the vendor should accept payment for your purchase.
Regardless, we will not disclose your credit card number or bank account number to anyone you have paid through Stellar Platform, except with your express permission or if we are required to do so to comply with a court order or other legal process.
Stellar does not share your personal information with third parties for promotional or marketing purposes.
We may share your personal information with:
You can review and update your personal information in your account settings at any time by logging into your account.
The Website may contain links to other websites. Stellar does not control the information collection of websites that can be reached through links from the Website. We encourage our users to be aware when they are leaving the Website and to read the privacy statements of any website that collects personally identifiable information.
Other than for our everyday business purposes, we will not share your personal information with non-affiliates or affiliates without first giving you additional privacy choices.
The California Consumer Privacy Act (“CCPA”) permits consumers who are California residents to (a) ask a covered business such as Stellar which categories and pieces of personal information it collects and how the information is used; (b) request deletion of the information; and (c) opt-out of the sale of such information, if applicable. These provisions of the CCPA do not apply to personal information collected, processed, shared, or disclosed by financial institutions pursuant to federal law. To contact us with questions about our compliance with theCCPA, visit our Website: email@example.com or write to: StellarFinance,Inc.; 1700 S. Lamar Blvd.; Suite 338; Austin, TX 78704.
Nevada law requires that we provide you with the following contact information: Bureau of Consumer Protection, Office of the Nevada Attorney General, 555 E. Washington Ave., Suite 3900, Las Vegas, NV 89101; Phone number: 702-486-3132; email: agInfo@ag.nv.gov
Other than for our everyday business purposes, we will not share your personal information with non-affiliates or affiliates without first giving you additional privacy choices. In accordance with Vermont law, we will not share, other than for our everyday business purposes, personal information about you other than transaction experience information, with affiliates or non-affiliates, nor will we share any personal financial information about you with other Stellar affiliates for marketing purposes.