01Who we are
Banked is the back office for creators. It is operated by Noir Global (“Banked”, “we”, “us”). We are responsible for the personal information described in this policy.
Banked is not a bank. It does not hold deposits or hold your money.
02What this covers
This policy covers:
- our website at bankedglobal.com, including the early-access list;
- the Banked platform at app.bankedglobal.com and public pay pages at mybanked.com, as those features open;
- emails and other messages we send you.
Some parts of the platform are not live yet. Where this policy describes them, it describes how we will handle information once they open.
03What we collect
When you join early access
- Your name, as you’d like it engraved on your card.
- Your email address.
- Whether you are a creator, an agency or a brand.
- The page you signed up from and, if your browser sends it, the site that referred you.
When you use the platform
- Account details: your email, display name, handle, short bio and profile photo, and your member number.
- Pay methods you add: the handles, contact details and wallet addresses you choose to show on your pay page or invoices. Bank account and routing numbers are encrypted.
- Bank data, read-only, through Plaid: account names, types and the last digits of account numbers, and transactions (amount, date, description and counterparty). See Bank connections and Plaid.
- Books: the categories, rules and notes you add, and any transactions you import from a CSV.
- Invoices: your clients’ names and contact details, invoice line items and payment status, and invoice requests that people send you from your pay page.
- Agency data: if you run an agency, your roster (names and, where you add them, legal names and emails), split agreements, revenue entries, ledger entries, statements and payout records. If you are on an agency’s roster, that agency provides some of this information about you.
- Pay page activity: counts of views, card taps and which pay method was opened. We do not store the IP address or browser details of people who visit your pay page with these events.
- Messages: what you send us when you contact us.
Collected automatically
Like most websites, our servers and service providers receive standard technical information when you visit, such as your IP address, browser and device type, the pages you request and the time of the request. We use it to run, secure and improve Banked.
04How we use it
- To run the early-access list and tell you when membership opens.
- To provide Banked: show your pay page, sort your transactions, produce invoices, statements, totals and estimates, and send the reminders you ask for.
- To keep Banked secure, prevent fraud and abuse, and fix problems.
- To answer you when you contact us, and to send service messages about your account.
- To understand, in aggregate, how Banked is used so we can improve it.
- To meet our legal obligations and enforce our terms.
We do not use your bank data to advertise to you, and we do not sell it. Tax estimates, categories and totals are produced by software from the data you give us; they are not advice.
05Bank connections and Plaid
Books connects to your bank through Plaid Inc. (“Plaid”). When you connect an account, you give Plaid your bank sign-in details directly; Banked never sees or stores them. Plaid then gives Banked read-only access to the account and transaction information described above.
Banked’s access is read-only. It cannot move money, make payments or change your accounts.
By connecting an account you acknowledge that Plaid collects, uses and shares your information as described in thePlaid End User Privacy Policy. The access token Plaid gives us is encrypted at rest. You can disconnect an account in Banked at any time, and you can also manage connections through Plaid.
08How long we keep it
- Early access: until membership opens and for a reasonable time after, or until you ask us to remove you.
- Your account: for as long as it is open. When you close it, we delete or anonymise your data within a reasonable period, except what we must keep.
- Records we must keep: some records, such as agency ledgers, statements and security logs, may be kept for longer where the law requires it or where they are needed to resolve disputes.
09Security
We protect your information with encryption in transit, encryption at rest for sensitive fields such as bank account numbers and bank connection tokens, access controls that limit each account to its own data, and limited internal access. No system is perfectly secure, so we can’t promise that information will never be accessed without permission. If we learn of a breach that affects you, we will tell you as the law requires.
10Your rights
Wherever you live, you can ask us to:
- tell you what personal information we hold about you and give you a copy;
- correct information that is wrong;
- delete your information;
- stop sending you emails (every email has a way to unsubscribe).
California and other US states
If you live in California, the California Consumer Privacy Act, as amended by the California Privacy Rights Act, gives you the right to know what personal information we collect, use and disclose; to delete it; to correct it; to opt out of its sale or sharing; and to limit the use of sensitive personal information. We do not sell or share personal information, and we use sensitive information, such as account numbers, only to provide Banked. We will not treat you differently for using these rights. You may use an authorised agent, and we may need to verify your identity before acting on a request. Residents of other states with similar laws have similar rights, and we honour them in the same way.
Outside the United States
If you are in the European Economic Area, the United Kingdom or another place with similar laws, we process your information to provide the service you asked for, for our legitimate interests in running and securing Banked, with your consent where we ask for it, and to meet legal obligations. You can ask us to access, correct, delete, restrict or move your information, object to how we use it, or withdraw consent. You can also complain to your local data protection authority.
How to ask
Write to hi@noirglobal.io from the email address you use with Banked. We will respond within the time the law requires.
11Where data is processed
Banked is run from the United States, and our service providers may process information in the United States and other countries. Where the law requires it, we use appropriate safeguards for international transfers.
12Children
Banked is not for anyone under 18. We do not knowingly collect personal information from anyone under 18. If you believe a child has given us information, write to us and we will delete it.
13Changes to this policy
We will update this policy as Banked grows. When we do, we will change the date at the top. If a change is significant, we will tell you by email or in Banked before it takes effect.
14Contact
Questions or requests about privacy: hi@noirglobal.io.