Last Updated: 12/1/2021


This privacy policy (“Policy”) describes how Anchor US LLC and its affiliates (“Company,” “our,” “we,” or “us”) collect, store, use and share your personal information whenever you access or use our products, website, services, features and technologies, including our mobile application (collectively, the “Services”). This Policy also applies to any of our other websites that post this Policy. This Policy does not apply to websites that post different statements. Please read this Policy carefully.


Your use of our Services is at all times subject to our Terms of Service https://www.anchorusd.com/tos-policy, which incorporates this Policy.


If you have a consumer financial product or service with us, we will use and share any nonpublic personal information that we collect from or about you in accordance with our consumer privacy notice (see below), which offers you certain choices with respect to the collection, use, sharing, and processing of your nonpublic personal information by financial institutions.


This Policy covers how we treat “personal information” that we receive or gather when you access or use our Services. “Personal information” means any information that identifies or relates to you or your use of the services, unless such information is publicly known (excluding personal information that identifies or relates to a natural person). We may create aggregated, de-identified or anonymized data from the personal information we collect, including by removing information that makes the data personally identifiable to a particular person. We may use such aggregated, de-identified or anonymized data and share it with third parties for our lawful business purposes, including to analyze, build and improve the Services and promote our business, provided that we will not share such data in a manner that could identify you. Such aggregated, de-identified or anonymized data is not considered personal information.


PERSONAL INFORMATION WE COLLECT


From the first moment you interact with us, we are collecting personal information about you. Sometimes we collect personal information automatically when you interact with our services and sometimes we collect the personal information directly from you. At times, we may collect personal information about you from other sources and third parties, even before our first direct interaction. We get information about you in a range of ways. We may collect, receive, and develop several categories of personal information:



In the U.S., you can opt out of tracking on our website by visiting the Digital Advertising Alliance’s Consumer Choice page at http://www.aboutads.info/choices/ or the Network Advertising Initiative’s page at http://www.networkadvertising.org/choices/.


You may also disable cookies by activating the setting on your browser that allows you to refuse the setting of all or some cookies. However, if you use your browser settings to disable all cookies (including strictly necessary cookies) you may not be able to access all or parts of our website.


Disabling a cookie or category of cookie does not delete the cookie from your browser. You will need to do this separately within your browser. If you have disabled one or more analytical cookies, we may still use information collected from cookies prior to your disabled preference being set.


When we collect tracking information on our website, we do not respond to users’ Do Not Track settings in browsers. However, you may choose to decline cookies in your browser settings on a desktop computer, or by declining tracking in your settings on a mobile device.


THIRD PARTY SERVICES


Our Services may include links to third-party services, websites, plug-ins and applications. Except where we post, link to or expressly adopt or refer to this Policy, this Policy does not apply to, and we are not responsible for, any personal information practices of third-party websites and online services or the practices of other third parties. To learn about the personal information practices of third parties, please visit their respective policies.

CONTACT INFORMATION


We welcome your comments or questions about this privacy policy. You may contact us at legal@anchorusd.com.


CHANGES TO THIS PRIVACY POLICY


We may occasionally update this policy. When we do, we will also revise the "last updated" date at the beginning of the policy. Your continued use of any of the Services after such changes will be subject to the then-current policy. We encourage you to periodically review this policy to stay informed about how we collect, use, and disclose personal information.

Consumer Privacy Notice


Last Updated: April 26, 2021


WHAT DOES ANCHOR US AND ITS AFFILIATES DO WITH YOUR PERSONAL INFORMATION?

FACTS



Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.

Why?


The types of personal information we collect and share depend on the product or service you have with us. This information can include:

What?



All financial companies need to share members’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers’ personal information; the reasons we choose to share; and whether you can limit this sharing.

How?


Reasons we can share your personal information

Does Anchor US share?

Can you limit this sharing?

For our everyday business purposes – such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus


YES


NO

For our marketing purposes – to offer our products and services to you

YES

NO

For joint marketing with other financial companies


NO


NO

For our affiliates’ everyday business purposes –information about your transactions and experiences


YES


NO

For our affiliates’ everyday business purposes –information about your creditworthiness

NO

NO

For our affiliates to market to you

YES

YES

For nonaffiliates to market to you

NO

We don’t share


Email us at support@tryanchor.com. Please note:

If you are a new customer, we can begin sharing your information 30 days from the date we sent this notice. If you’re an existing customer and have opted out previously, you don’t need to update your privacy choices again. When you are no longer our customer, we continue to share your information as described in this notice.

However, you can contact us at any time to limit our sharing.

To Limit our Sharing?


Questions?

Email us at support@tryanchor.com.


Who we are


Who is providing this notice?

Anchor US LLC and its affiliates


What we do

How does Anchor US protect my personal information?

To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings.

How does Anchor US collect my personal information?

We collect your personal information, for example, when you:


  • open an account or provide account information

  • apply for services or accounts

  • direct us to buy and/or sell your securities

  • tell us about your investment or retirement portfolio

  • provide account information

  • give us your contact information

  • show us your government-issued ID

We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.

Why can’t I limit all sharing?

Federal law gives you the right to limit only

  • sharing for affiliates’ everyday business purposes –information about your creditworthiness

  • affiliates from using your information to market to you

  • sharing for nonaffiliates to market to you

State laws and individual companies may give you additional rights to limit sharing. See below for more on your rights under state law.


Definitions

Affiliates

Companies related by common ownership or control. They can be financial and nonfinancial companies.

Nonaffiliates

Companies not related by common ownership or control. They can be financial and nonfinancial companies.

  • Anchor US does not share with nonaffiliates so they can market to you.

Joint marketing

A formal agreement between nonaffiliated financial companies that together market financial products or services to you.

  • Our joint marketing partners include companies such as financial services companies, banks, non-bank lenders and other financial institutions.


CA Residents: We will not share information we collect about you with nonaffiliated third parties, except as permitted by California law, such as to process your transactions or to maintain your account. We will limit sharing among our companies to the extent required by California law. We will limit sharing among our companies to the extent required by California law.

NV Residents: We are providing this notice to you pursuant to Nevada law. If you prefer not to receive marketing calls from us, you may be placed on our internal Do Not Call List by writing to us at Dave, Inc 1265 S Cochran Ave, Los Angeles, CA 90019. Nevada law requires that we also provide you with the following contact information: Bureau of Consumer Protections, Office of the Nevada Attorney General, 555 E. Washington Street, Suite 3900, Las Vegas, NV 89101, phone number (702) 486-3132, email BCPINFO@ag.state.nv.us.

VT Residents: We will not share information we collect about you with nonaffiliated third parties, except as permitted by Vermont law, such as to process your transactions or to maintain your account.

State laws may also provide you with specific privacy protections. We will comply with applicable state laws with respect to our use of your information.

Other important information