Privacy Policy

This policy explains what information Canary Financial collects, how we use it, and with whom we share it when you use our platform and banking services.

1. Information we collect

• Account & contact data: name, email, phone, password.
• Business (KYB) data: legal entity name, EIN, formation state, business address, industry.
• Identity & ownership data: for representatives, control persons, and beneficial owners (25%+) — name, date of birth, government identifiers, and address — as required to verify your business and prevent fraud and money laundering.
• Financial & transaction data: account balances, transfers, and card activity processed through our banking partner.
• Device & usage data: IP address, device/browser information, and interactions with the platform.

2. How we use it

To provide and operate the Services; to verify identity and business ownership (KYC/KYB); to open and service accounts; to process transfers and cards; to detect and prevent fraud; to comply with legal, regulatory, and partner-bank requirements; and to communicate with you.

3. How we share it

• Stripe and the partner bank(s): to open and operate your accounts and cards, perform verification, and move money. Their handling of your data is also governed by their privacy notices.
• Service providers: identity-verification, analytics, hosting, and support vendors acting on our behalf.
• Legal & compliance: regulators, law enforcement, or others where required by law or to protect rights and prevent harm.

We do not sell your personal information.

4. Data retention

We retain information for as long as needed to provide the Services and to meet legal, regulatory, and recordkeeping obligations (which, for financial accounts, can be several years after account closure).

5. Security

We use administrative, technical, and physical safeguards designed to protect your information. No method of transmission or storage is perfectly secure.

6. Your choices & rights

Depending on your location, you may have rights to access, correct, or delete certain information, subject to legal and recordkeeping limits. If you are a California resident, you may have additional rights under the CCPA/CPRA, including the right to know what personal information we hold, to request deletion or correction, and to not be discriminated against for exercising those rights. Contact us to exercise any of these rights.

7. Children

The Services are not directed to individuals under 18, and we do not knowingly collect their information.

8. Changes & contact

We may update this policy; material changes will be notified as required. Contact: privacy@canaryfinancial.com · Canary Financial Inc, 5100 Buckeystown Pike, Suite 250, Frederick, MD 21704.