Privacy Policy

To provide a secure and functional fintech experience, we collect several categories of information:

A. Information You Provide to Us

• Account Information: Name, email address, physical address, and phone number.
• Identity Verification Data: Social Security Number (SSN), date of birth, and government-issued identification to comply with Anti-Money Laundering (AML) and Know Your Customer (KYC) regulations.
• Financial Information: Bank account details and investment preferences.

B. Information Collected via Third-Party Integrations

To provide investment and banking services, we share your data with specific regulated partners. Transparency regarding these partners is essential for security and regulatory compliance:

• Plaid: We use Plaid to connect your bank account. By using our Services, you grant Plaid the right to access and transmit your personal and financial information.
• Sila & Evolve Bank & Trust: Financial identity and digital wallet services are provided through Sila. Your data is shared with Sila and its partner bank to facilitate FBO account creation and fund transfers.
• Alpaca Securities LLC: Brokerage and custody services are provided by Alpaca. Information required for SEC and FINRA compliance is shared with Alpaca to facilitate stock trading and gifting.

A. Email and Text Messaging

By creating an account, you consent to receive electronic communications from us, including emails and SMS/text messages. These may include:

• Transactional Messages: Receipts, account alerts, and security notifications.
• Educational Content: Information about stock gifting and financial literacy.

B. SMS Consent and Opt-Out

Message and data rates may apply. You may opt out of text messages at any time by replying "STOP". Please note that opting out of SMS may impact our ability to send you time-sensitive security alerts, such as multi-factor authentication codes.

We process your information for the following purposes:

• To establish and maintain your custodial and investment accounts.
• To facilitate the gifting of fractional shares and manage "For Benefit Of" (FBO) wallet logic.
• To comply with legal and regulatory obligations, including tax reporting and fraud prevention.
• To communicate updates regarding your account or changes to our Services.

We do not sell your personal information. We disclose your data only as necessary to provide the Services:

• Infrastructure Partners: To the third-party financial integrators mentioned in Section 1(B).
• Legal Compliance: When required by law, subpoena, or regulatory inquiry (e.g., FINRA or the SEC).
• Business Transfers: In the event of a merger, acquisition, or sale of assets, your information may be transferred as a business asset.

We implement robust technical and organizational measures designed to secure your personal information from accidental loss and unauthorized access. This includes encryption of data in transit and at rest. However, no method of transmission over the internet is 100% secure.

Our Services include custodial accounts for minors. We do not knowingly collect personal information directly from children under the age of 13 without verifiable parental consent. Parents or guardians must provide all necessary information for minor accounts and supervise their use of the platform.

Depending on your jurisdiction, you may have the right to access, correct, or delete your personal information. You may also opt out of marketing communications at any time. Please note that certain data must be retained for regulatory compliance purposes regardless of deletion requests.

If you have questions or concerns regarding this Privacy Policy or our data practices, please contact our privacy team at support@gostockme.com.