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.

1a. Higher Income – Auto Apply Browser Extension

The "Higher Income – Auto Apply" Chrome extension helps you fill out online job applications using the profile information in your Higher Income account. This section describes how the extension handles your data.

What it accesses: When you click "Fill," the extension reads the fields, labels, and job description on the job-application page you are viewing, and reads your stored profile (name, contact details, work authorization, résumé, and any answers you have saved).
What it sends, and where: To generate tailored cover letters, screening answers, and job-match results, the extension sends the relevant job description and your résumé/profile text to our secure backend (Supabase Edge Functions) which calls a third-party AI provider (Google Gemini). Standard profile fields are filled locally in your browser and are not sent for AI processing.
What it stores: Your authentication token is kept in memory only and cleared when you close the browser. Your cached profile and any one-time answers you save (e.g., EEO responses, "how did you hear about us") are stored locally in your browser via Chrome storage so they can be reused on future applications.
What it never does: The extension never submits an application for you — you always review and click submit yourself. It does not read pages you are not applying on, does not collect passwords, and does not sell your data.
Permissions: The extension requests access to websites so it can detect and fill application forms on any job board or company careers page, and Chrome storage to remember your saved answers.

You can remove the extension at any time from your browser's extensions page, which stops all of the above. Deleting your Higher Income account removes the profile data the extension relies on.

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.