Information You Provide to Us

We collect nonpublic personal information you provide to us when you apply for a Simple account or when you communicate with us about your Simple account. The types of information we may collect include your name, address, phone number, email address, date of birth, bank account information, social security number, username, password, and any other information you choose to provide.

Information About Your Transactions With Us

As you use your Simple account to perform financial transactions, we collect nonpublic personal information in connection with each transaction, including transaction time, dollar amount and merchant details. We may also collect photos, memos or other information that you attach to your transactions.

Information From Other Sources

When you create a Simple account, we may collect information, including nonpublic personal information, about you from nonaffiliated third party service providers in order to verify your identity and for fraud prevention, including your prior addresses and names.

Other Information We Collect

We may also collect other information from you that is not connected with a Simple account as follows:

Information We Collect Automatically from our Services

When you access or use our Services, we automatically collect information about you as follows:

  • Log Information:We log information about your use of our Services, including the type of browser you use, access times, pages viewed, your IP address and the page you visited before navigating to our Services.
  • Device Information:We collect information about the computer or mobile device you use to access our Services, including the hardware model, operating system and version, unique device identifiers and mobile network information.
  • How We Respond to Do Not Track Signals:We allow Do Not Track browser configurations. We use cookies and other tracking technologies, and Do Not Track status may alter the available services with certain browsers, when these tracking functionalities are used to provide services. We do not alter the information our applications attempt to collect based on your Do Not Track configuration.

Use of Information

We may use your information, including nonpublic personal information as follows:

  • Provide, maintain and improve our Services;
  • Provide and deliver the products and services you request, process transactions and send you related information, including confirmations;
  • Verify your identity and prevent fraud;
  • Send you technical notices, updates, security alerts and support and administrative messages;
  • Respond to your comments, questions and requests and provide customer service;
  • Communicate with you about products, services, offers, promotions, rewards, and events offered by Simple and others, and provide news and information we think will be of interest to you;
  • Monitor and analyze trends, usage and activities in connection with our Services;
  • Personalize and improve the Services and provide advertisements, content or features that match user profiles or interests;
  • Process and deliver contest or promotion entries and rewards;
  • Link or combine with information we get from others to help understand your needs and provide you with better service; and
  • Carry out any other purpose for which the information was collected.

Simple is based in the United States and the information we collect is governed by U.S. law. By accessing or using the Services or otherwise providing information to us, you consent to the processing and transfer of information in and to the U.S. and other countries.

Disclosure of Information

We may disclose any information we collect about current and former customers, including nonpublic personal information, to affiliates and non-affiliated third parties as follows:

(1) With financial service providers, including the financial institutions identified in your cardholder bank agreement that provide banking services in connection with your Simple account;

(2) With another user, when you sign up for Simple’s services via a referral link. The user that referred you may receive information indicating that you have enrolled with Simple. You may avoid this sharing by not using a referral link to enroll;

(3) With another user, when you sign up for a Simple Shared Account with that user;

(4) With non-financial companies, such as email service providers that perform marketing services on our behalf, and fraud prevention service providers that use the information to provide services to Simple and other companies;

(5) With a non-affiliated third-party to access and transmit your personal and financial information from a relevant financial institution. You grant the third-party the right, power, and authority to access and transmit this information according to terms of their privacy policy;

(6) With other nonaffiliated companies for our everyday business purposes, such as to process transactions, maintain accounts, respond to court orders and legal investigations or report to credit bureaus.

We may also share aggregated or de-identified Information, which cannot reasonably be used to identify you. For example, we may share transaction zip codes and merchant names with third parties to improve our accuracy in geo-locating transactions and to improve the clarity of transaction descriptions.