Privacy Policy

Flinks’ mission is to put consumers at the center of finance. This is not just some marketing pitch; this vision is formally enshrined in internal company documents of the utmost importance, like our Constitution .

In the furtherance of this mission, security and privacy are top priorities for us. We also try to make everything we build as seamless as possible, and this Privacy Policy is no exception. Please read it carefully in order to understand how we collect, use, and share end user information in our possession to operate, improve, develop, and protect our services.

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Some Background


About Flinks

We pursue our mission of putting consumers at the center of finance by allowing you (the “End User”) to easily connect your bank accounts to software applications (the “Applications”) that can help you do everything with your money: leverage artificial intelligence for investing, save money, transfer funds in other currencies, streamline credit applications, and much more. These Applications are not developed or owned by Flinks; they are our clients, and you are their client.

By facilitating the connection between End Users and Applications, Flinks does more than just enabling you to use their specific service: we are unlocking the next generation of financial services by opening up this sector to competition and innovation.

This is what drives us every day.


About this Policy

The aim of this Policy is to provide a clear, yet concise explanation of what information we collect about End Users, how we use it, and how we share it. One important thing we want you to keep in mind is that this Policy covers only the information that Flinks handles, thus it does not explain what the Applications do with your information. We do encourage you to review their privacy policies to know about their practices. As in everything we do, we tried to make this Policy seamless and user-friendly; however, should you have any questions about it, please let us know at privacy@flinks.io.


Types of End Users

We use information differently depending on what type of End User you are. We divide End Users in two categories:

  1. Persons who use a device to connect to our website (“Website Users”); and
  2. Consumers who use an Application (“Application Users”).

This Policy explains how we collect, use, and share information from both types of End Users.


Privacy Terms For Website Users

This part explains how we collect, use, and share information from Website Users in order to operate, improve and develop our website.


Information We Collect

Information you provide. When you use our ‘Request a Demo’ service, we require from you some personal information, such as your name and some contact information.

Information from your devices. When you use one of your devices to browse our website, we receive information about this device, including IP address, hardware model, operating system, and other technical information about the device. We may also use cookies or similar tracking technologies to collect usage statistics and to help us improve our services.


How We Use Your Information

We use the information we collect from Website Users to operate and improve our website. More specifically, we use your information:

  • To operate and maintain our website;
  • To improve, enhance, modify, add to, and further develop our website;
  • To provide customer support to Website Users, including to provide a demo of our services when requested; and
  • To investigate any misuse of our website, including, criminal activity or other unauthorized access to our website.

How We Share Information

We share Website Users’ information with marketing and analytics third parties. More specifically, we share your information:

  • With tracking systems that allow us to monitor when you visit our website, and how many times; and
  • With internet-based advertisement providers.

Privacy Terms For Application Users

This part explains how we collect, use, and share information from Application Users in order to operate, improve, develop, and protect our services.


Information We Collect

Information you provide. When you connect your financial accounts with an Application, you may provide, through our integrated services, the login information required by your financial institution to access your account. Typically, this consists of a username and password, but it could also include answers to challenge questions or a security token.

Information from your financial institution.When we connect your financial account with an Application, we retrieve information from the financial institution that maintains the account. The information we retrieve may vary depending on:

  1. The information required by the Application in order to power their service; and
  2. The information made available by your financial institution.

The types of information we collect from your financial institutions may include, but are not limited to:

  • Account information, including financial institution name, account name, account type, and account and routing number;
  • Information about an account balance, including current and available balance;
  • Information about credit accounts, including statement due dates and balances owed, payment amounts and dates, transaction history, and interest;
  • Information about loan accounts, including due dates, balances, payment amounts and dates, interest, loan type, payment plan, and term;
  • Information about the account owner(s), including name, email address, phone number, and address information; and
  • Information about account transactions, including amount, date, type, and a description of the transaction.

The data may include information from all your sub-accounts (e.g., checking, savings, and credit card) accessible through a single set of account credentials, even if only a single sub-account is designated by you to the Application.

Information from your devices. Our technology is integrated in the Applications. Thus, when you use one of your devices to connect with an Application, we receive information about this device, including IP address, hardware model, operating system, and other technical information about the device. We may also use cookies or similar tracking technologies to collect usage statistics and to help us improve our services.


How We Use Your Information

We use the information we collect from Application Users to operate, improve, and protect the services we provide to Applications, and to develop new services. The services we provide are described in the Products section of this website. More specifically, we use your information:

  • To operate, provide, and maintain our services;
  • To improve, enhance, modify, add to, and further develop our services;
  • To protect you, the Applications, our partners, or Flinks from fraud, malicious activity, and other privacy and security-related concerns;
  • To develop new services;
  • To provide customer support to our developers, including to help respond to your inquiries related to our service or to an Application;
  • To investigate any misuse of our service or an Application, including violations of our security policies, criminal activity, or other unauthorized access to our services.

We might also use your information in an aggregated or de-identified manner for any purpose permitted under applicable law, including improvement of our services.


How We Share Information

We share your identifiable information with the Applications you use. We may also share your information:

  • With our service providers, partners, or contractors, in connection with the services they perform for us or for Applications that are our customers;
  • If we believe in good faith that disclosure is appropriate to comply with applicable law or legal proceedings (such as a court order or subpoena);
  • In the context of a change in ownership or control of all or part of our business (such as a merger, acquisition or reorganization);
  • With our affiliates, subsidiaries and other companies under common control and ownership;
  • As we believe reasonably appropriate to protect the rights, privacy, safety, or property of you, Applications that are our customers, our partners, or Flinks; or
  • With your consent.
  • We may also share aggregated or de-identified information with other third parties. For example, we may share with a store demographics about their customers; however, we will never reveal to them someone’s specific identity or contact information.


    Accessing Your Information

    End Users have the right to access their personal information in our possession. Just let us know at privacy@flinks.io and we’ll send it to you. If you find errors, you have the right to request us to correct them; we will do so with pleasure.


    Withdrawing Your Consent

    Even if the Applications we power are generally awesome, there might come a day when you don’t want to use their services anymore. Should it be the case, you might also want the information you’ve provided to be deleted (this is what we call “withdrawing your consent”).

    If you want us to delete your personal information, just let us know at privacy@flinks.io.

    However, we need to emphasize that Flinks has no control over the Applications. For this reason, you will need to contact them directly if you want them to delete your personal information.

    If you request us to delete your information, we will nonetheless preserve:

    • Any information we are legally required to preserve, if applicable;
    • Non-sensitive information that we are legally allowed to preserve and that we preserve for your own benefit, for example the information indicating to us that you do not want to be our emailing list.

    Changes To This Policy

    We may make changes to this Policy from time to time. Any changes will be reflected on this page.

    Last updated: March 28th 2019