At Bison Technologies, we’re dedicated to making financial data more accessible and understandable while protecting your privacy. This privacy policy (“Policy”) explains what information we receive from our users and how we use it to provide and improve our services.

Bison Technologies (“Bison”, “we”, “our” and/or “us”) values the privacy of individuals and organizations who use our application, websites, and related services (collectively the “Bison Platform”). Our goal with this Policy is to provide a simple and straightforward explanation of what data we collect from and about you and how we use and share that information. We value transparency and want to provide you with a clear and concise description of how we treat your data.

This privacy policy governs your use of the Bison platform and services. It's important to note that this policy does not cover how third-party apps handle your data, information collected through our websites, or direct communications with Bison outside our services. Our services are not intended for users under 18 years of age, and we do not knowingly collect data from or relating to children.

We are committed to providing end users with meaningful control over their data. This section describes Bison’s data practices relating to our processing of data about you.

We collect several types of information to provide and improve our services. When you interact with our platform, we receive information directly from you, including personal details such as your name, email address, phone number, date of birth, and Social Security number. When required by your financial institutions, we also collect account credentials and security verification information, as well as any documents you choose to provide.

When you connect your financial accounts through our platform, we may collect comprehensive account information from your financial institutions. This includes account details and numbers, balance information, credit account data, loan details, investment account information, and transaction history.

Your device provides us with technical information when you use our services, including your IP address, device specifications, location data, usage patterns, browser information, and network details. This helps us ensure our services work effectively across different devices and platforms.

We also receive information from additional sources to enhance our services. This includes data from app developers, our affiliate companies, identity verification services, and fraud prevention services. All of this information helps us provide a secure and effective service.

When you provide login data and additional information needed to connect your accounts, you also give Bison permission and authority to act on your behalf to access and transmit data to and from your financial institution.

Our use of your information centers on providing and improving our core services. We use this data to operate and maintain our platform, enhance existing features, develop new capabilities, and provide support to both users and developers. We also use this information to communicate important updates and ensure you're informed about your account and our services.

Security is a paramount concern, and we use your information to verify your identity, prevent fraud, protect privacy, and investigate any potential misuse of our services. This helps us maintain a safe and reliable platform for all users.

Through careful analysis of user data, we work to create better services and improve the user experience. We also conduct research and analytics using anonymized data to enhance our platform's functionality and efficiency.

We share your information thoughtfully and purposefully. This includes sharing with the apps you choose to connect, service providers who help us operate our platform, and financial institutions to maintain your account connections. We may also share information when required by law, to protect against fraud or abuse, or during corporate transactions such as mergers. For our US users, we strictly follow federal regulations regarding information sharing with non-affiliated third parties.

To protect your data, we implement robust security controls including limited access to authorized personnel, technical safeguards, regular security reviews, and encryption of sensitive data.

We share your data for the following reasons:

• With the developer of the app you are using and as directed by that developer;

• To enforce any contract with you;

• With our data processors and other service providers, partners, agents or contractors in connection with the services they perform for us or developers;

• With financial institutions to help establish, maintain, or manage a connection you’ve chosen to make between your financial institution accounts and an app;

• If we believe in good faith that disclosure is appropriate to comply with applicable law, regulation, or legal process (like a court order or subpoena);

• In connection with a change in ownership or control of all or a part of our business (like a merger, acquisition, reorganization, or bankruptcy);

• Between and among Bison and our current and future parents, affiliates, subsidiaries and other companies under common control or ownership;

• As we believe reasonably appropriate to prevent malicious or fraudulent activities, or otherwise protect the rights, privacy, safety, or property of you, [developers], our partners, Bison, and others; or

• For any other notified purpose with your consent or at your direction.

(For US users) We do not share your data with non-affiliated third parties except as permitted by law (as authorized by 12 C.F.R. § 1016.14 and 1016.15).

We only share your personal financial data with third parties to power the services you requested, when you consent, and/or to protect against fraud.

We may collect and share cookie data with third parties when you visit our website, or we may allow third parties to collect this cookie data from our sites.

Our data retention practices are guided by necessity and purpose. We retain your information only as long as needed to provide our services, meet legal requirements, prevent fraud, support investigations, and maintain security. When your data is no longer needed for these purposes, we ensure it is securely deleted or anonymized.

The exceptions to this may be if: (a) you’ve established a connection with another developer’s app through Bison that is still active; (b) Bison needs your data to continue providing you with a Bison service you requested; (c) Bison is required by law to keep your data; (d) Bison needs your data to help prevent fraud or protect privacy, provide support, or investigate misuse and misconduct; (e) where Bison has anonymized your data such that it cannot reidentified or (f) we request - and you specifically agree - to allow us to retain your data longer.

Your data will only be processed as required by law or in accordance with this Policy.

Please refer to the “Protection of Data” section of this Policy below for options that may be available to you, including how to request deletion of your data. You can also contact us about our data retention practices using the contact information in the “Contacting Bison” section below.

Bison’s security policies and practices are designed to protect the confidentiality and integrity of your data. Bison implements controls designed to limit access to this data to personnel who have a business reason to know it and prohibits its personnel from unlawfully accessing, using or disclosing this data.

We respect your right to control your personal information. You can access your collected data, request corrections to inaccurate information, ask for data deletion (subject to certain exceptions), object to certain data processing activities, withdraw previous consent, and export your data in a portable format.

We may update this privacy policy as our services evolve and privacy practices change. When we make significant changes, we'll post updates on our website, notify developers, and inform active users via email. We'll always update the effective date so you know when changes were last made.

If you have questions or concerns about our privacy practices, please don't hesitate to contact us at support@bisonok.com. We're committed to addressing your privacy concerns and ensuring transparency in our data practices.