Privacy Policy

Bank Rover LLC ("Company," "we," "us," or "our") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, store, share, and protect your personal information when you visit our website (bankrover.net), use our mobile applications, or engage with our authorized user tradeline services.

We take your privacy seriously and comply with applicable data protection laws, including the California Consumer Privacy Act (CCPA), the California Privacy Rights Act (CPRA), the General Data Protection Regulation (GDPR) where applicable, and the Gramm-Leach-Bliley Act (GLBA).

By using our services, you consent to the practices described in this Privacy Policy. If you do not agree with this policy, please do not use our website or services.

We collect personal information that you voluntarily provide to us when you register for an account, place an order, sell tradelines, participate in our broker program, contact our support team, or otherwise interact with our services.

The types of personal information we may collect include: full name, date of birth, Social Security Number, government-issued ID, address, email address, phone number, credit report information, payment details, bank account information, and any other information necessary to provide our services.

We also automatically collect certain information when you visit our website, including your IP address, browser type, operating system, referring URLs, pages viewed, access times, and device identifiers. This information helps us improve our website functionality and user experience.

We use cookies, web beacons, and similar tracking technologies to collect information about your browsing activities. You can control cookies through your browser settings.

We use your personal information to provide, maintain, and improve our tradeline services, including processing orders, facilitating authorized user additions, managing seller accounts, and administering broker programs.

We use your information to communicate with you about your account, orders, updates, security alerts, and support requests. We may also send you promotional materials and marketing communications, which you can opt out of at any time.

Your information helps us verify your identity, prevent fraud, detect unauthorized access, and comply with legal obligations. We analyze usage patterns to improve our website, develop new features, and personalize your experience.

We may use aggregated and anonymized data for research, analytics, and marketing purposes. This data does not identify individual users.

We share your personal information with third-party service providers who perform services on our behalf, such as payment processors, identity verification providers, credit bureaus, hosting providers, and customer support platforms. These providers are contractually obligated to protect your information and use it only for the purposes we specify.

To provide tradeline services, we share necessary buyer information with sellers (primary account holders) so they can add authorized users to their credit card accounts. Sellers are contractually bound to keep this information confidential and use it solely for the authorized user addition process.

We may disclose your information if required by law, legal process, or government request, or to protect our rights, property, or safety, or the rights, property, or safety of our users or others.

In the event of a merger, acquisition, or sale of all or a portion of our assets, your information may be transferred as part of that transaction. We will notify you of any such change in ownership or control of your personal information.

We implement industry-standard security measures to protect your personal information from unauthorized access, disclosure, alteration, and destruction. These measures include 256-bit SSL encryption, firewalls, secure server infrastructure, and regular security audits.

Access to personal information is restricted to authorized employees, contractors, and service providers who need the information to perform their job duties. All personnel are subject to strict confidentiality obligations.

We regularly review and update our security practices to address emerging threats. However, no method of transmission over the internet or electronic storage is 100% secure. While we strive to protect your information, we cannot guarantee absolute security.

We retain your personal information for as long as necessary to fulfill the purposes for which it was collected, including providing our services, complying with legal obligations, resolving disputes, and enforcing our agreements.

Generally, we retain buyer and seller account information for seven (7) years after account closure or the last transaction, in accordance with tax and regulatory requirements. Document verification files are retained for the duration of the service relationship plus two (2) years.

When personal information is no longer needed, we securely delete or anonymize it in accordance with our data retention schedule and applicable laws.

Depending on your location, you may have certain rights regarding your personal information, including the right to access, correct, delete, restrict processing, object to processing, or request data portability.

California residents have the right to know what personal information we collect, the right to delete personal information, the right to opt out of the sale of personal information (we do not sell personal information), and the right to non-discrimination for exercising these rights.

To exercise your privacy rights, please contact us using the information provided in the Contact Us section below. We will respond to verifiable requests within 45 days as required by law.

You may also update your account information through your client portal or by contacting our support team.

We use cookies and similar tracking technologies to enhance your browsing experience, analyze website traffic, and understand user behavior. Cookies are small text files stored on your device that help us recognize you and remember your preferences.

We use essential cookies for website functionality, analytics cookies to understand how visitors interact with our site, and marketing cookies to deliver relevant advertisements. You can manage your cookie preferences through your browser settings.

Disabling cookies may affect the functionality of certain features on our website. Essential cookies cannot be disabled as they are necessary for the website to operate.

Our website may contain links to third-party websites, services, or applications. This Privacy Policy does not apply to those third-party platforms. We encourage you to review the privacy policies of any third-party sites you visit.

We are not responsible for the content, privacy practices, or security of third-party websites.

Our services are not intended for individuals under the age of 18. We do not knowingly collect personal information from children. If we become aware that we have collected information from a child, we will take steps to delete that information promptly.

If you believe a child has provided us with personal information, please contact us immediately.

Our services are primarily operated in the United States. If you are accessing our services from outside the United States, please be aware that your information may be transferred to, stored, and processed in the United States or other countries where our service providers operate.

We ensure that any international transfers of personal information are conducted in accordance with applicable data protection laws and with appropriate safeguards in place.

We may update this Privacy Policy from time to time to reflect changes in our practices, legal requirements, or service offerings. We will post the updated policy on this page and update the "Last updated" date.

For material changes, we will notify you via email or through a prominent notice on our website prior to the change becoming effective. We encourage you to review this Privacy Policy periodically.