Privacy Policy

1. Scope and Applicability

This Privacy Policy describes how gethigherincome.com, together with its parent entities, subsidiaries, affiliates, successors, assigns, and authorized service providers (collectively, the "Company," "we," "our," or "us"), collects, uses, discloses, transfers, analyzes, licenses, and otherwise processes information in connection with:

• Our websites and applications;
• Any bank, financial institution, or enterprise platform in which our technology is embedded, integrated, white-labeled, or made available;
• All current and future products, tools, models, analytics systems, financial integrations, employment matching services, embedded services, APIs, artificial intelligence systems, data platforms, and related offerings (collectively, the "Services").

This Policy applies regardless of whether the Services are accessed directly through our domain or through a financial institution or enterprise partner.

2. Relationship with Financial Institutions and Enterprise Clients

When our Services are offered through a bank or other financial institution:

• The financial institution may be the primary relationship holder with the end user.
• We may act as a service provider, vendor, technology partner, data processor, or independent business.
• Information may be shared between the Company and the financial institution consistent with contractual arrangements and applicable law.
• The financial institution's own privacy policy may also apply.
• Nothing in this Policy limits a financial institution's separate disclosures or obligations.

3. Categories of Information We Collect

We may collect the following categories of information:

A. Information You Provide Directly

• Identity information (name, contact details, unique identifiers)
• Employment history, resumes, job preferences
• Compensation expectations and career-related data
• Financial information you choose to provide
• Account credentials and authentication information
• Communications, support requests, and feedback

B. Information Obtained from Financial Institutions or Enterprise Partners

• Account-related data
• Transactional or product usage information
• Eligibility indicators
• Verification data
• Demographic or profile information

C. Automatically Collected Information

• IP address and approximate location
• Device identifiers
• Browser type and operating system
• Session activity and navigation data
• Interaction metrics and usage analytics

D. Derived, Modeled, and Analytical Information

We may generate, infer, or derive additional data from the information described above, including:

• Predictive insights
• Behavioral categorizations
• Risk indicators
• Eligibility assessments
• Opportunity matching scores
• Proprietary analytical outputs
• Commercial intelligence

To the extent permitted by applicable law, aggregated data, de-identified data, anonymized data, statistical data, and derived analytical outputs constitute Company intellectual property and may be used, commercialized, licensed, transferred, or disclosed for any lawful purpose.

4. Business and Commercial Purposes for Processing

We may use personal information for business and commercial purposes, including:

• Providing, operating, and improving the Services
• Matching users with employment, career, or financial opportunities
• Supporting financial institutions and enterprise partners
• Developing and training proprietary algorithms, artificial intelligence systems, and analytics platforms
• Conducting eligibility, opportunity, or risk-related assessments
• Research, product development, and innovation
• Marketing, advertising, and promotional activities
• Security monitoring, fraud prevention, and abuse detection
• Legal compliance and regulatory obligations
• Corporate transactions, including mergers, acquisitions, financings, reorganizations, or asset sales
• Sharing, licensing, or otherwise monetizing data assets as permitted by applicable law

We may combine information from multiple sources for these purposes.

5. Disclosure of Information

We may disclose information to:

• Financial institutions, lenders, and enterprise partners
• Employers, recruiters, and opportunity providers
• Service providers and subprocessors
• Cloud hosting and infrastructure providers
• Data analytics and technology vendors
• Marketing and advertising partners
• Affiliates and strategic collaborators
• Government authorities or regulators
• Investors, acquirers, successors, or assigns

Such disclosures may constitute a "sale" or "sharing" of personal information under applicable law.

Except as required by law or contract, we do not control how third parties use information once disclosed.

6. Financial Services and Credit-Related Activities

Certain Services may involve employment evaluations, eligibility assessments, financial evaluations, or integrations with financial institutions.

To the extent our activities are subject to the Fair Credit Reporting Act, the Gramm-Leach-Bliley Act, or similar federal or state laws, we will comply with applicable requirements.

Nothing in this Privacy Policy constitutes a representation or admission that the Company is a consumer reporting agency unless expressly stated in a separate written agreement.

7. California and Other U.S. State Privacy Rights

Under the California Consumer Privacy Act as amended by the California Privacy Rights Act, and similar state laws, eligible residents may have rights to:

• Access personal information
• Correct inaccuracies
• Request deletion
• Opt-out of the sale or sharing of personal information
• Limit use of sensitive personal information

To submit a request, contact:

support@gethigherincome.com

We may verify your identity before processing requests as required by law.

8. Data Retention

We retain personal information for as long as reasonably necessary to:

• Fulfill the business and commercial purposes described in this Policy
• Maintain enterprise and financial institution relationships
• Support ongoing model development and analytics
• Comply with legal, regulatory, tax, or accounting obligations
• Enforce contractual agreements
• Resolve disputes
• Detect and prevent fraud or abuse

Retention periods may vary depending on the nature of the information and applicable legal requirements.

9. Data Security

We implement administrative, technical, and physical safeguards designed to protect information from unauthorized access, disclosure, alteration, or destruction. However, no data transmission or storage system can be guaranteed to be completely secure.

10. International Transfers

Information may be transferred to, processed, and stored in the United States and other jurisdictions where we or our service providers operate. By using the Services, you acknowledge such transfers.

11. Corporate Transactions

In the event of a merger, acquisition, reorganization, restructuring, financing, asset sale, bankruptcy, or other corporate transaction, personal information and related data assets may be transferred as part of that transaction.

This provision is intended to survive any change in control of the Company.

12. No Guarantee of Outcomes

The Services may generate recommendations, assessments, scores, or analytical outputs. The Company does not guarantee employment placement, compensation outcomes, financial approval, credit decisions, or economic results.

13. Modifications to This Policy

We may modify this Privacy Policy at any time. Where required by law, we will provide notice or obtain consent for material changes. Continued use of the Services following updates constitutes acceptance to the extent permitted by applicable law.