Introduction

Welcome to FireStarter! We work hard to protect your personal information and ensure your information is kept private and secure. The following privacy policy outlines the types of personal information that FireStarter Finance, Inc., collect, including through FireStarter’s website (www.FireStarter.fi) and our mobile applications for iOS and Android devices. It also explains why we collect your information and how we use it. This privacy policy notice is included with and supplements our website Terms of Service.

Privacy is important to FireStarter. We will never rent or sell your information to anyone. If you have any questions or if you believe that FireStarter has not adhered to this privacy policy, please send us a note at info@FireStarter.finance.

For users that are citizens of the European Union ("EU"), this privacy policy is subject to the provisions of the General Data Protection Regulation ("GDPR") and other applicable privacy laws. In such case, we agree that under the GDPR, we are a data “Controller” and you are a “Data Subject” with certain protected privacy rights concerning your “Personal Data.” We will take commercially reasonable steps to maintain compliance with GDPR requirements as applicable. Your Personal Data may identify you as a person, and thus is often referred to as “personal information” or “personally identifiable information”.

Information We Collect and Why

In order to provide a high-quality service, FireStarter collects various types of information when you visit the website or mobile app, sign-up as a customer, or otherwise engage with FireStarter.

Visitor Information

We collect various types of anonymous information about visitors to FireStarter, such as device-related information (including browser type) and server log information (including the date and time of day of your visit, average time spent on the FireStarter site, browsing activity, and any site that referred you to FireStarter). We also collect personal information that you input into our website, (e.g., by beginning the account application process or by commenting on the FireStarter blog). We use this information to better understand our visitors and our business, facilitate site navigation, provide the services or information you request, and enhance the FireStarter service.

Customer Information

When you choose to create an account with FireStarter, we collect certain personal information, including your full legal name, email address, permanent address, phone number, date of birth, social security number and information about financial status. We are required by law to collect this information to provide you with financial services. The personal information about you that we collect does not include any special types of information (e.g., health-related) as defined in the GDPR. If you do not provide this personal information to us, we will be unable to provide our services to you and you cannot become a FireStarter customer. Our collection and processing of your personal information is pursuant to our contract with you to provide you with our services, as established when you create your FireStarter account subject to our Terms of Service.

If you use the third party Plaid services to link a bank account when signing up for a FireStarter account, you acknowledge and agree that the information you provide to FireStarter through Plaid will be treated by Plaid in accordance with their respective privacy policies (located at https://plaid.com/ legal/#privacy-policy) and by FireStarter according to this privacy policy. FireStarter will abide by all GDPR rules as a processor of your personal information that we receive from Plaid, where applicable.

4.Other Ways We Collect Information

Apart from through the account opening process and from visitors to the site, we may collect various other types of personal information if you or a friend engages with FireStarter. We collect your email address as part of our customer referral service or if you subscribe to the FireStarter blog. We may also collect personal information if you enter it into our live chat program or contact us or otherwise give it to us (e.g., in an email, phone call, or live chat with a member of our customer support team). Further, we may collect information regarding your browsing activity when you visit FireStarter’s website and actions you take within your FireStarter account while logged in to your FireStarter account.

Cookies and Pixels

Cookies are small pieces of data that are stored on your computer, mobile phone or any other device used to access the Internet. Pixels are small code blocks on a website that allow for another server to measure viewing of a webpage and often are used in connection with cookies.

We use these technologies to customize FireStarter and improve your experience with the site. Cookies store anonymous information, such as whether you viewed the site from your mobile device. We may store some personal information in a cookie and/or pixel, such as the site that you visited immediately prior to visiting FireStarter and relevant financial information that allows us to enhance your user experience and for marketing purposes. Additionally, we may use a cookie and/or pixel that only stores anonymous information to track visitors across websites or devices to better customize our marketing and advertising campaigns.

‍Cookies, pixels, and similar technologies are not required for site functionality. You are not required to accept any cookies or pixels to use this site. However, refusing to accept cookies or pixels will make the use of FireStarter more cumbersome and less accessible.

Advertising Companies

FireStarter advertises our services on websites not affiliated with FireStarter, and we contract with third-party advertising companies to display these ads. These third-party advertising companies, along with data exchanges and similar providers, may use cookies and similar technologies to collect technical and web navigational information, such as device type, browser type, IP address, and pages visited. We do not provide any information to these advertising companies that could personally identify our users or clients, and they do not collect such information for us.

‍Where permissible, FireStarter and third-party advertising companies may use the data collected to provide you with ads relevant to you and personalized content while you are on FireStarter or other sites. If you prefer to not receive targeted advertising, you can opt out of some network advertising programs that use your information by visiting the NAI Opt-Out Page. Please note that even if you choose to remove your information by opting out, you will still see advertisements while you are browsing online.

Additionally, many network-advertising programs allow you to view and manage the interest categories they have compiled from your online browsing activities. These interest categories help determine the types of targeted advertisements you may receive. The third party NAI Opt-Out Page provides a tool that identifies its member companies that have cookies on your browser and provides links to those companies.

‍Because mobile devices may vary in how they operate and may not use cookies, the choice management options listed above may not work for all mobile devices and mobile apps.