Privacy Policy

Our commitment to privacy

jaris, inc. (“jaris”), knows that you care about how your personal information is used and we take your privacy seriously. Our primary goal is to provide you with exceptional service. We understand that you may have questions or concerns regarding your personal information and how it will be used or shared. To make our Privacy Policy easy to find, we've made it available on the home page of the jaris website at jaris.io (the "Site"). You may also email us at privacy@jaris.io with any privacy-related questions you may have.

Applicability of privacy policy

This Privacy Policy applies to all information we and our affiliates collect from current and former jaris users, including you. When you are no longer our customer, we may continue to use and share your information as described in this policy.

Throughout this policy, we use the term "personal information" to describe information that can be associated with a specific person and can be used to identify that person. We do not consider personal information to include information that has been aggregated and/or anonymized so that it does not identify a specific user.

By using jaris services, which include all products and services offered at any time and from time to time by jaris (the “Service”), you agree to the practices described in this Privacy Policy. If you do not agree with this Privacy Policy, please do not access the Site or otherwise use any jaris products or services. European Union (“EU”) users please see the “How We Use Personal Information” and “EU Users” sections below to learn about the legal basis we rely on for processing.

Personal information we collect

Personal information you provide: We collect personal information when you create an account or link your accounting, banking, payment processing, tracking software, or vendor to the Service. The personal information collected during these interactions may vary based on what you choose to share with us, but it will generally include your name, your business name, email address, phone number, and a log of the transactions you've authorized through the Service. We may need to collect additional information, such as a copy of your government-issued identification, your social security, your individual taxpayer identification number, your street address, or your zip code to fulfill our legal obligations related to providing the Service to you.


Personal information we collect through our social media pages: We have pages on social media sites like Instagram, Twitter, and LinkedIn (“Social Media Pages”). When you interact with our Social Media Pages, we will collect personal information that you elect to provide to us through your settings on the Social Media Site, such as your contact details. In addition, the companies that host our Social Media Pages may provide us with aggregate information and analytics regarding the use of our Social Media Pages.]


Personal information we receive from third parties: We may collect personal information from you, from other users, our affiliates, and third parties, as permitted by law. For example, we may collect information from third-party verification services, credit bureaus, financial institutions, mailing list providers, and publicly available sources to verify your identity. We may also collect information about you from third parties in connection with any identity or account verification process, fraud detection process, collection procedure, or as may otherwise be required by applicable law. In addition to the instances noted above, if you apply for or obtain any financial products offered through jaris, jaris may receive your customer information, account fraud information, and risk information from your payment processor as well as other underwriting, experiential, transaction, balance information regarding your activity with such payment processor and, or, other third party financial data providers. If you are based in the U.S., we may use Plaid, Inc. ("Plaid") to verify your business bank account, confirm prior transactions from that business account, and confirm your business bank account balance prior to providing you Services. By using the Services, you grant us and Plaid the right, power, and authority to act on your behalf to access and transmit your personal and financial information from your relevant financial institution. Information shared with Plaid is treated by Plaid in accordance with its Privacy Policy, available at https://plaid.com/legal/#end-user-privacy-policy.


Personal information we receive automatically from your use of the Service: When you visit, use, and interact with the Service, we may receive certain information about your visit, use, or interactions. For example, we may monitor the number of people that visit the Service, peak hours of visits, which page(s) are visited, the domains our visitors come from (e.g., google.com, yahoo.com, etc.), which browsers people use to access the Service (e.g., Firefox, Microsoft Internet Explorer, etc.), broad geographical information, and navigation pattern. In particular, the following information is created and automatically logged in our systems:

• Log data: Information that your browser automatically sends whenever you visit the Site (“log data”). Log data includes your Internet protocol address, browser type and settings, the date and time of your request, and other interactions with the Service.
• Cookies: Please see the Cookies section below to learn more about how we use cookies.
• Device information: Includes the name of the device, the operating system, and the browser you are using. Information collected may depend on the type of device you use and its settings.
• Usage information: We collect information about how you use our Service, such as the content that you view or engage with, the features you use, the actions you take, and the time, frequency, and duration of your activities.
• Location information: We derive a rough estimate of your location from your IP address. We also collect your location information through the App using your device IP address, WiFi, Bluetooth, and GPS coordinates (e.g. latitude/longitude) of your mobile device. If you have given the App permission to access your location, we will collect your device’s location only while you are using the App and store your location history. If you want to opt-out of the collection of your Location Information, please adjust your settings on your mobile device to limit the App’s access to your location information.

Cookies: We use cookies to operate and administer the Site, gather usage data on the Site, and improve your experience on the Site. A “cookie” is a piece of information sent to your browser by a website you visit. Cookies can be stored on your computer for differing periods of time. Some cookies expire after a certain amount of time or upon logging out (session cookies), others survive after your browser is closed until a defined expiration date set within the cookie (determined by the third party that placed it), and others help your computer be recognized when you open your browser and browse the Internet again (persistent cookies). For more details on cookies please visit All About Cookies.

Clear gifs (web beacons): We may employ a software technology called clear gifs (a.k.a. web beacons) that help us better manage content on our Site by letting us know which content is effective. Clear gifs are tiny graphics containing a unique identifier (similar in function to cookies) and are used to track the online movements of Internet users. In contrast to cookies, which are stored on a user’s computer hard drive, clear gifs are embedded invisibly within web pages and are about the size of the period at the end of this sentence. We may tie the information gathered by clear gifs to our customers’ personal information. We may also use clear gifs in our HTML-based emails to let us know which emails have been opened by recipients. This allows us to gauge the effectiveness of certain communications and our marketing campaigns.

Your choices: On most web browsers, there is a “help” section located in the toolbar. Please refer to this section for information on how to receive a notification when you receive a new cookie and how to turn cookies off. Please see the links below for guidance on how to modify your web browser’s settings:

• Internet Explorer
• Firefox
• Chrome
• Safari

Please note that if you limit the Site's ability to set cookies, you may be unable to access certain parts of the Site and you may not be able to benefit from the Site's full functionality.

Advertising networks may collect personal information through the use of cookies. Most advertising networks offer you a way to opt-out of targeted advertising. If you would like to find out more information, please visit the Network Advertising Initiative’s online resources at http://www.networkadvertising.org and follow the opt-out instructions there.

If you access the Site on your mobile device, you may not be able to control tracking technologies through the browser's settings.

Analytics: We use Google Analytics, a web analytics service provided by Google, inc. (“Google”). Google Analytics uses cookies to help us analyze how users use the Site and also to enhance your experience when you use the Site. For more information on how Google uses this data, go to www.google.com/policies/privacy/partners/.

Online tracking and "Do Not Track" signals: We and our third-party service providers may use cookies or other types of tracking technologies to collect information about your browsing activity over time and across different websites following your use of the Site. Our Site currently does not respond to “Do Not Track” (“DNT”) signals and operates as described in this Privacy Policy whether or not a DNT signal is received. If we do respond to DNT signals in the future, we will update this Privacy Policy to describe how we do so. See below for the California-specific "Do Not Track" notice.

Sharing and disclosure of personal information

In certain circumstances we may share your personal information with third parties without further notice to you unless required by the law, as set forth below:

Vendors and service providers: To assist us in meeting business operations needs and to perform certain services and functions, we may share personal information with third parties. These include, but are not limited to, vendors, hosting services, cloud services, email communication software, and email newsletter services, advertising, and marketing services, financial services (including payment processors, banks, credit reporting agencies, and API services), fraud prevention services, customer relationship management services, customer support services, web analytics services, and other technology service providers (for more details on the third parties that place cookies through the Site, please see the Cookies section above). In addition to the instances noted above, if you enter into a sale of future receipts with jaris, you consequently authorize us to share customer and account information with your payment processor(s) as well as any experiential, transaction, and repayment information regarding your activity with jaris including amounts owed to jaris. Under our instructions, these third parties will access, process, or store personal information during the course of performing their duties for us. We take commercially reasonable steps to ensure other service providers adhere to the security standards we apply to your personal information.

Business partners: We may share information with our business partners for their business needs or to provide you with a product or service that you have requested. We may also share personal information with business partners with whom we may jointly offer products or services, or whose products or services we believe may be of interest to you.

Business transfers: If we are involved in a merger, acquisition, financing due diligence, reorganization, bankruptcy, receivership, sale of all or a portion of our assets, or transition of Service to another provider, your personal information may be shared in the diligence process with counterparties and others assisting with the transaction. The information may also be transferred to a successor or affiliate as part of that transaction along with other assets.

Legal requirements: If required to do so by law or in the good faith belief that such action is necessary to (i) comply with a legal obligation, legal obligation, governmental request or applicable law or regulation, including to meet national security or law enforcement requirements, (ii) protect and defend the rights or property of us, our users or others, (iii) detect, prevent or resolve fraud or security concerns, (iv) act in urgent circumstances to protect the personal safety of users of the Service, or the public, (v) protect against legal liability, or (vi) investigate, remedy or enforce potential terms and conditions violations. Other users: Your personal information may be accessible to other users of the Service with whom you interact.

Affiliates: We may share personal information with our affiliates, meaning an entity that controls, is controlled by or is under common control with jaris, inc. Our affiliates may use the personal information we share in a manner consistent with this Privacy Policy.

EU Users

Scope: This section applies to individuals in the EU (for these purposes, reference to the EU also includes the European Economic Area countries of Iceland, Liechtenstein and Norway, the United Kingdom, and, to the extent applicable, Switzerland).

Data Controller: Company is the data controller for the processing of your personal data. You can find our contact information[, and the contact information of our EU-based representative,] in the “Contact Us” section below.

Legal Bases for Processing: This Privacy Policy (the paragraph “How We Use Personal Information”) describes the legal bases we rely on for the processing of your Personal Data. Please contact us if you have any questions about the specific legal basis we are relying on to process your Personal Data.

As used in this Privacy Policy, “legitimate interests” means our interests in conducting our business and developing a business relationship with you. This Privacy Policy describes when we process your Personal Data for our legitimate interests, what these interests are, and your rights. We will not use your Personal Data for activities where the impact on you overrides our interests unless we have your consent or those activities are otherwise required or permitted by law.

Your Rights: Under the European Union General Data Protection Regulation (or GDPR), you have the following rights concerning your Personal Data, under certain circumstances and subject to any applicable exceptions:

• Right of access: If you ask us, we will confirm whether we are processing your Personal Data and if so, provide you with a copy of that Personal Data along with certain other details. If you require additional copies, we may need to charge a reasonable fee.
• Right to rectification: If your Personal Data is inaccurate or incomplete, you are entitled to ask that we correct or complete it. If we shared your Personal Data with others, we will tell them about the correction where possible. If you ask us, and where possible and lawful to do so, we will also tell you with whom we shared your Personal Data so you can contact them directly.
• Right to erasure: You may ask us to delete or remove your Personal Data, such as where you withdraw your consent. If we shared your data with others, we will tell them about the erasure where possible. If you ask us, and where possible and lawful to do so, we will also tell you with whom we shared your Personal Data so you can contact them directly.
• Right to restrict processing: You may ask us to restrict or ‘block’ the processing of your Personal Data in certain circumstances, such as where you contest the accuracy of the data or object to us processing it (please read below for information on your right to object). We will tell you before we lift any restriction on processing. If we shared your Personal Data with others, we will tell them about the restriction where possible. If you ask us, and where possible and lawful to do so, we will also tell you with whom we shared your Personal Data so you can contact them directly.
• Right to data portability: You have the right to obtain your Personal Data from us that you consented to give us or that was provided to us as necessary in connection with our contract with you, and that is processed by automated means. We will give you your Personal Data in a structured, commonly used, and machine-readable format. You may reuse it elsewhere.
• Rights concerning automated decision-making: You have the right to be free from decisions based solely on automated processing of your Personal Data (including profiling) which produce a significant legal effect on you unless this is necessary concerning a contract between you and us or you provide your explicit consent to this use.
• Right to object: You may ask us at any time to stop processing your Personal Data, and we will do so:
  • If we are processing your Personal Data for direct marketing. We may keep minimum information about you in a suppression list in order to ensure your choices are respected in the future and to comply with data protection laws (such processing is necessary for our and your legitimate interest in pursuing the purposes described above)
  • If we are processing your Personal Data for direct marketing. We may keep minimum information about you in a suppression list in order to ensure your choices are respected in the future and to comply with data protection laws (such processing is necessary for our and your legitimate interest in pursuing the purposes described above)
• Right to withdraw consent: If we rely on your consent to process your Personal Data, you have the right to withdraw that consent at any time. Withdrawal of consent will not affect any processing of your data before we received notice that you wished to withdraw consent.
• Right to complain to the data protection authority: If you have a concern about our privacy practices, including the way we handled your Personal Data, you can report it to the data protection authority that is authorized to hear those concerns (in the UK, the Information Commissioner’s Office (ICO), who can be contacted at https://ico.org.uk/concerns, and in other EU countries the data protection authority of the country in which you are located).

Please see the “Contact Us” section below for information on how to exercise your rights.

Data Transfers: jaris is based in the U.S. The U.S. may have data protection laws less stringent than or otherwise different from the laws in effect in the EU. Transfers of your personal information to jaris in the U.S. are necessary to perform the agreement we have entered into, or are about to enter into, with you.

Children

The Service is not directed at children under the age of 13. jaris does not knowingly collect personal information from children under the age of 13. If you have reason to believe that a child under the age of 13 has provided personal information to jaris through the Service, please contact us at privacy@jaris.io and we will endeavor to delete that information from our databases.

Security

You use the Service at your own risk. We implement reasonable technical, administrative, and organizational measures to protect personal information both online and offline from loss, misuse, unauthorized access, disclosure, alteration, or destruction. However, no Internet or e-mail transmission is ever fully secure or error-free. In particular, e-mail sent to or from us may not be secure. Therefore, you should take special care in deciding what information you send to us via the Service or e-mail. Please keep this in mind when disclosing any personal information to jaris via the Internet. In addition, we are not responsible for the circumvention of any privacy settings or security measures contained within the Service or on third party sites.

Changes to the privacy policy

The Service, and our business, may change from time to time. As a result, we may change this Privacy Policy at any time. When we do, we will post an updated version on this page, unless another type of notice is required by applicable law. By continuing to use our Service or providing us with personal information after we have posted an updated Privacy Policy or notified you if applicable, you consent to the revised Privacy Policy and practices described in it.

Privacy policy

What does jaris, inc. (“jaris”) do with your personal information?

Why? Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.

What The types of personal information we collect and share depend on the product or service you have with us. This information can include the following:

• Social Security number
• Transaction history and overdraft history
• Account transactions and checking account information

When you are no longer our customer, we continue to share your information as described in this notice.

How? All financial companies need to share customers' personal information to run their everyday business. In the section below, we list the reasons financial companies may share their customers' personal information, the reasons jaris chooses to share, and whether you can limit this sharing.

Questions? Go to jaris.io