At Bafu Inc, we prioritize respect, fairness, and transparency in the collection, use, disclosure, and retention of Personal Information (as defined below). This Privacy Policy is designed to provide clarity on Bafu’s data protection practices and outline your rights concerning your Personal Information. We periodically update this Privacy Policy to incorporate new privacy practices, adhere to evolving laws, and reflect enhancements to our services. Should you have any questions, please don’t hesitate to contact us.
Compliance with Privacy Regulations
Personal Information Collection
Third-Party Information Collection
Social Media Platforms, Marketing Agencies:
How We Use Your Personal Information?
Does Bafu Inc Sell Your Personal Information?
Who Does Bafu Inc Share Your Personal Information With and for What Purpose?
With Our Service Providers for Our Everyday Business Purposes:
With Bafu Inc Community Members and Your Referrals:
With Law Enforcement and Administrative Authorities:
With Third-Party Ad Networks and Ad Companies:
With Other Nonaffiliated Third Parties:
Non-Personal Information (Aggregated and Anonymized Data):
Does Bafu Inc Transfer Your Personal Information Outside the United States?
Does Bafu Inc Follow Do Not Track (“DNT”) Signals?
Protection of Your Personal Information
Collection of Personal Information of Children
Retention of Your Personal Information
How Will Bafu Inc Keep You Informed of Any Changes to this Privacy Policy?
What Are Your Rights with Respect to Your Personal Information?
California Residents Additional Privacy Rights (“CCPA/CPRA Rights”)
To better understand the terms used in this Privacy Policy, here are some helpful definitions:
Bafu Inc is a United States-based financial technology company dedicated to providing early access to wages for Community Members across the nation through the Bafu Inc Site.
Bafu Inc adheres to the same stringent federal, state, and foreign privacy regulations applicable to financial institutions operating in the United States. For instance, Bafu Inc complies with the Gramm-Leach-Bliley Act (GLBA), a federal privacy law safeguarding Personal Information collected by financial institutions for financial service provision. Additionally, Bafu Inc complies with state privacy laws such as the California Consumer Privacy Act (CCPA), which protects Personal Information collected by companies, including financial entities, for purposes beyond financial services. If you’re a California resident, your CCPA rights are detailed at the end of this Privacy Policy. While other states like Colorado, Utah, Virginia, and Connecticut have their own privacy laws, they typically exclude financial institutions from their scope.
In the course of registering for an account on Bafu’s Site or App, utilizing Our Services, or engaging in communication with Us for the purpose of accessing Our Services, you may be requested to furnish various categories of Personal Information, which include:
Identifiers: This encompasses details such as Your full name, alias, cell phone number, email, home address, proof of domicile, work address, date of birth, employer’s name, Social Security Number (SSN) or Individual Taxpayer Identification Number (TIN), government identification number, Driver’s License number or other state identification, password or Personal Identification Number (PIN), as well as Your IP address. Additionally, you have the option to provide access to Your contacts’ information.
Employment Information: This pertains to particulars like Your employer’s name and address, as well as Your salary.
Sensitive Personal Information: This may include Your SSN, account log-in credentials, bank account information combined with any requisite security or access code, password, or credentials facilitating access to the account.
Automatically Collected Information: When utilizing or visiting Our Site, We automatically gather data about Your activities on the Site through tracking technologies. For further details, please refer to Our Cookies Notice.
Internet or Electronic Network Activity Information: This encompasses Your browsing history, details of Your interactions with Our Site, device identifiers, and timezone settings.
Sensitive Personal Information: This might entail precise geolocation data of Your device.
Marketing Communications: If You opt to receive marketing communications from Bafu Inc via SMS, You will be prompted to provide Your cell phone number.
Participation in Promotions, Contests, or Giveaways: Should You choose to engage in promotions, contests, or giveaways offered by Bafu Inc through social media platforms or other alternative means, You may be required to furnish details such as Your full name, social media profile, email, phone number, and/or mailing address. Additionally, sensitive Personal Information like Your SSN may be solicited for tax reporting purposes, if applicable.
Surveys Participation: In the event of participating in an Bafu Inc survey, You may be asked to disclose identifiers such as Your full name, phone number, email address, and physical address, alongside other personal information such as financial habits, financial preferences, and interests.
Job Application: If applying for a job posting directly on Our Site or indirectly through one of Our recruiting partners, You might be requested to provide identifiers like Your full name, cell phone number, email, and address, in addition to employment information such as Your resume, employment history, education history, and references. Furthermore, sensitive Personal Information like Your ethnicity, race, and pronoun may be sought, along with protected classification characteristics under California or federal law, such as race, citizenship, physical or mental disability, gender identity, veteran or military status.
Advocacy and Engagement Efforts: Participation in Our advocacy and engagement initiatives may necessitate the provision of certain Personal Information to assist Us in determining Your local, state, and federal representatives, contacting You, and directing Your emails and/or calls to the appropriate representative or third party.
Non-affiliated Third Parties: If You are a non-affiliated third party, including service providers and Financial Partners, You may be asked to furnish information for due diligence purposes or for reasons linked to the performance of the contract. This may include commercial information such as corporate bank account details, corporate tax ID, incorporation documents identifying beneficial owners and officers of the company, as well as identifiers of Your agents and/or beneficial owners, such as full name, work address, telephone number, email address, date of birth, and government Identification number.
Please be aware that as part of the process, You will be asked to furnish certain login access credentials (e.g., username and password) or other account or financial information to Our Financial Partner. It’s essential to note that this information is provided directly to Our Financial Partner under their privacy policy. This data enables Our Financial Partner to gain online access to the account maintained by You with a third-party financial institution, which You opt to designate for use in connection with the Services.
Kindly ensure that You only provide account credentials to access a valid account registered in Your own name. It’s important to note that removing Your bank account from the Site will impact Your ability to receive the Services.
Rest assured that the account login credentials of Your bank account are neither stored at nor accessible to anyone at Bafu Inc.
Categories of Personal Information Received: In our interactions with third parties, Bafu Inc may receive the following categories of Personal Information:
You agree to Your Personal Information being transferred, stored and processed by these Financial Partners in accordance with the Financial Partner’s terms of service and privacy policy (the links are provided below).
We utilize third-party information to enhance the services provided to you. This includes verifying your identity, determining your eligibility for our services, and communicating with you. Additionally, we use this information for the following purposes:
No. Bafu Inc does not sell your Personal Information.
We share your Personal Information with the following third parties, subject to contract terms limiting their use and disclosure of Personal Information only to the purposes established in the contract between Bafu Inc and the third party, and/or compliance with legal requirements. Data obtained through the short code program will not be shared with any third parties for marketing purposes.
For further details, please refer to our Terms of Service.
Examples of service providers include Financial Partners, identity verification services, credit reporting agencies, website hosting, data analysis, marketing services, information technology and related infrastructure, customer service, email delivery, legal, compliance, and auditing services.
Certain Personal Information, including your Bafu Inc profile photo or avatar, as well as your first and last name or initial, may be publicly displayed on the Site and visible to other Community Members. This sharing facilitates connections and communication among users. If you refer someone to Bafu Inc through a referral program, we will inform them that you provided the referral.
When necessary to comply with applicable laws, rules imposed by payment networks, enforce contractual rights, protect against malicious or fraudulent activity, and respond to legal requests from courts, law enforcement agencies, regulatory agencies, and other government authorities.
In the event of a merger, acquisition, sale of assets, bankruptcy, or dissolution of our business, subject to restrictions under applicable laws. You will be notified of any changes in ownership or use of your Personal Information via email and/or a notice on our Site.
Some Personal Information, such as device identifiers, email, and/or cellphone number, may be shared with companies like LiveRamp, Facebook, Google, TikTok, Apple Search Ads, and Reddit for advertising management on their platforms. Refer to our Cookie Notice for more information.
If authorized by you, we may share Personal Information with nonaffiliated third parties for purposes not covered elsewhere in this Privacy Policy. Your consent will be obtained as required by applicable laws.
We may aggregate and anonymize Personal Information to create data that cannot personally identify you or others. This data may be shared with third parties without restrictions for statistical analysis, AI training, demographic information, marketing, or research purposes.
While the Services are operated from the United States, we may store and process your Personal Information in countries where we have facilities or engage service providers. By using our Services, you consent to such transfer, which may have different data protection rules than your country.
We do not respond to DNT Signals. Refer to our Cookie Notice for more details.
Your Personal Information is safeguarded by physical, electronic, and procedural measures in compliance with US federal and state laws. However, we cannot guarantee absolute security against breaches. We advise you to protect your credentials and Personal Information.
We do not knowingly collect information from children under 13 years of age. Please contact us if you believe we have mistakenly collected information from a child.
We retain your Personal Information as long as your Bafu Inc account is active or as needed to provide our Services, comply with legal obligations, resolve disputes, maintain business records, and enforce agreements. Even upon request for deletion, we may retain certain information as required by law. Upon the expiration of the necessity to retain your Personal Information, we securely dispose of it in accordance with our policies and regulations.
You can send Us Your questions or comments to privacy@mybafu.com
Bafu Inc reserves the right to make changes to this Privacy Policy at any time. Updated versions will be posted on the Site. In case of material changes to the processing of your Personal Information, we will make additional efforts to notify you via email or a prominent notice on the Site before the changes take effect. Where required by law, your consent will be obtained, or you will be provided the opportunity to Opt-Out of such changes. The effective date of any changes will be indicated in the Privacy Policy. Please note that this Privacy Policy does not apply to third-party products or services not owned or controlled by Bafu Inc.
Right to Correct Your Personal Information: If you are unable to update or correct certain information on our Site, you can contact us. However, please note that historical information may be retained in our backup files as allowed by law.
Right to Delete Your Account Profile: You have the option to delete your profile on our Site at any time. Historical information may still be retained in our backup files as permitted by law.
Right to Opt-Out from Future Marketing SMS: To stop receiving SMS marketing communications from Bafu Inc, you can respond “STOP” at any time.
Right to Opt-Out from Future Marketing Emails: If you wish to stop receiving marketing emails from us, follow the Opt-Out instructions provided in the email. Please allow up to 10 business days for your request to be processed.
Right to File a Complaint: If you believe that our data protection practices infringe your data privacy rights or violate applicable data protection laws, you have the right to file a complaint with the relevant supervisory authority in your jurisdiction.
To exercise these CCPA/CPRA Rights, you must be a California resident. We will verify your identity and residency before fulfilling your request. We aim to respond to your request within 45 days from the date it was received, unless otherwise specified. If additional time is needed, we will notify you accordingly.
Right to Request a Copy of Your Personal Information: You have the right to request a copy of your Personal Information in a format that you can take with you.
Right to Delete Your Personal Information: Bafu Inc may retain a copy of your Personal Information if required or allowed by applicable law.
Right to Opt-Out of the Sale of Personal Information: Bafu Inc does not sell your Personal Information.
Right to Opt-Out of Sharing of Personal Information for Targeted Advertising Purposes: Please allow up to fifteen (15) business days for Bafu Inc to process your request. Refer to our Cookie Notice for more information.
Right to not be Discriminated: Bafu Inc does not discriminate against you for exercising your CCPA/CPRA rights, including denying services, offering different quality or prices of services, or limiting your eligibility for services or employment.
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Bafu stands out with its no-interest transaction fees, comprehensive financial literacy programs, and AI-driven retention strategies, positioning us ahead of competitors who offer high-interest rates and lack financial education support.
Support
Email: support@mybafu.com
