1. About This Policy

This Privacy Policy (the “Policy”) describes the information Viva Equity collects about you, how we use and share that information, and the privacy choices we offer. This Policy applies to information we collect when you register for Viva Equity, access or use our website, mobile applications, products, and services (collectively, the “Services”), or when you otherwise interact with us. This includes information we collect when you access or use the online web interface or mobile application operated by Viva Equity to view, manage, or conduct transactions.

The terms “Viva Equity,” “we,” “us,” or “our” mean Viva Equity“You” or “your” means an individual who visits or uses our Services. The term “Site” includes (1) all websites and all devices or mobile applications operated by Viva Equity that collect personal information from you and that link to this Privacy Policy; (2) pages within each such website, device, or mobile application, any equivalent, mirror, replacement, substitute, or backup website, device, or mobile application; and (3) all pages that within each such website, device, or mobile application.

2. Information We Collect and Disclose

Viva Equity collects personal information about you for a variety of purposes. We work to collect the following categories of personal information from individuals:

  • Personal Identifiers, such as a full name, postal address, email address, online usernames and passwords for third-party sites and internet services, social security number, driver’s license number, or other similar identifiers.
  • Internet or other network activity information, such as information regarding how individuals interact with the Site, emails, or marketing materials.
  • Professional or employment-related information.
    Commercial information, such as products or services purchased, obtained, or used.
  • Inferences based on information about an individual to create a summary about, for example, an individual’s preferences and characteristics.

We may also collect information about you from mailing list providers, publicly available sources, identification verification services and other third parties.

2.1 Third-Party Credentials, Account Numbers and Other Account Information

When you use certain Services, we may collect usernames, passwords, account numbers, and other account information for third-party websites (“Third-Party Sites”). This information is used to obtain other information from the relevant organizations on your behalf in order to display the information to you or to fulfill your requests for certain products, services, or transactions through a Service.

By using our Services, you grant Viva Equity, the right, power, and authority to act on your behalf to access and transmit this information from the relevant organization.

2.2 Information Collected by Cookies and Web Beacons

We use various technologies to collect information, and this may include sending cookies to your computer or mobile device. Cookies are small data files that are stored on your hard drive or in device memory by a website. Among other things, cookies support the integrity of our registration process, retain your preferences and account settings, and help evaluate and compile aggregated statistics about user activity. If you do not wish to receive cookies, you may be able to set the browser of your computer or mobile or tablet device to reject cookies or to alert you when a cookie is delivered. You may also be able to delete our cookies as soon as you leave our Services. Although you are not required to accept our cookies when you visit our Services, if you set your browser to reject cookies, you may not be able to use all of the features and functionality of our Services.

We may also collect information using web beacons. Web beacons are electronic images that may be used in our Services or emails. We may use web beacons to deliver cookies, count visits, understand usage, and determine whether an email has been opened and acted upon.

2.3 Technical and Navigational Information

We may collect your computer browser type, Internet protocol address, pages visited, and average time spent on our Site. This information may be used, for example, to alert you to software compatibility issues, or it may be analyzed to improve our web design and functionality.

2.4 Device ID

When you use our mobile applications or the mobile versions of our Site, we may collect the unique device identifier assigned to that device by phone makers, carriers, or makers of the operating system (the “Device ID”). Device IDs allow app developers, and others to uniquely identify your device for purposes of storing application preferences and other data.

2.5 User-Generated Content

Our Services may contain links and interactive features with various social media platforms. If you have used these platforms in the past, their cookies may be set on your device when using our Services. You should be aware that personal information which you voluntarily include and transmit online in a publicly accessible social media platform, blog, or chat room, or otherwise online, or that you share in an open forum, may be viewed and used by others without any restrictions. We have no control over such uses of your information when interacting with a social media platform, forums or otherwise online and by using such services you assume the risk that the personal information provided by you may be viewed and used by third parties.

2.6 Google Analytics

We may also use analytics tools such as Google Analytics to collect information regarding visitor behavior and demographics on our Site, and to develop website content. This analytics data is not tied to any personal information. For more information about Google Analytics, please visit www.google.com/policies/privacy/partners/. You can opt out of Google’s collection and processing of data generated by your use of the Site by going to http://tools.google.com/dlpage/gaoptout.

3. How We Use Your Information

We may use the information you provide about yourself or Third-Party Sites to fulfill your requests for our products, programs, and Services, to respond to your inquiries about our Services, and to offer you other products, programs, or services that we believe may be of interest to you.

We may use your information to complete transactions you request, to verify the existence and condition of your accounts, or to assist with a transaction. For example, we may use the account information you provide or that we collect from Third-Party Sites to confirm your accounts are valid and to access funds from your accounts in connection with fulfillment of the Services.

We may use your information to improve and personalize the Services. For example, we may use your information to pre-fill form fields on the Sites for your convenience.
We may also use your information for security and fraud prevention purposes, to invite you to participate in surveys and provide feedback to us (in accordance with any privacy preferences you have expressed to us), and for any other purpose identified in an applicable privacy notice, click-through agreement, or any other document between you and us.

4. How We Share Your Information

We may share personal information about you as follows:

  • With third parties to provide, maintain, service and improve our Services.
  • To process transactions that you authorize or to fulfill your requests.
  • In connection with, or during the negotiation of, any merger, sale of company stock or assets, financing, acquisition, divestiture, or dissolution of all or a portion of our business.
  • To respond to subpoenas, court orders, or legal process.
  • In order to investigate, prevent, defend against, or take other action regarding violations of our Terms of Use, illegal activities, suspected fraud, or situations involving potential threats to the legal rights or physical safety of any person or the security of our network, Sites or Services.
  • The legal rights or physical safety of any person or the security of our network, Sites or Services.
  • To respond to claims that any posting or other content violates the rights of third parties.
  • In an emergency, to protect the health and safety of our Sites’ users or the general public.
  • As otherwise required by law.

5. How We Secure Your Information

We take your privacy and the security of your information very seriously, and have an information security program that includes administrative, technical, and physical measures to protect your information. Unfortunately, no website, app or database is completely secure or “hacker proof.” We therefore cannot guarantee that your personal information will not be disclosed, misused or lost by accident or by the unauthorized acts of others. Examples of measures we have taken to protect your information include, but are not limited to:

  • The use of industry-standard encryption while transmitting and storing information.
  • Mobile application session timeouts to ensure your information is protected when you put down your device without logging out.
  • Passwords and personal identification numbers (“PINs”) are only known by you. No employee, contractor or Third-Party Site has access to your Viva Equity password or PIN. We will never ask for your password or PIN through our customer service teams.
  • Two-factor authentication is provided to ensure your account can only be accessed by the device you register with.
  • Our systems are periodically audited for security flaws.

6. Note on Communication

We may provide you with information and summaries of your accounts and Services through email, SMS and mobile notifications. We may also allow you to subscribe to email newsletters and from time to time may transmit emails to you promoting Viva Equity or third-party goods or services.

Subscribers have the ability to opt out of receiving our promotional emails and to terminate their newsletter subscriptions by following the instructions in the emails. Opting out in this manner will not end transmission of service-related emails, such as information and summaries of your accounts and Services.

7. How to Access, Update, or Correct Your Information

If you wish to update personal information that you have submitted to us or to request the correction of any inaccurate information you have submitted to us, you may correct or update certain information through our Site. Alternatively, you can send an email that includes your contact information to contact@vivafirst.com to request any corrections to your personal information. We will respond to you within a reasonable time and, in any case, within the time limits established by applicable law. We may ask you for additional information to verify your identity. In most cases, we will provide access and correct or delete any inaccurate information you discover. In some cases, however, we may limit or deny your request if the law permits or requires us to do so or if we are unable to verify your identify. You may also email us if you wish to deactivate your Services, but even after you deactivate your Services, we may retain archived copies of information about you for a period of time that is consistent with applicable law.

8. Children Under the Age of Thirteen

Our Services are not intended for children or minors under the age of thirteen years without the permission of a parent or guardian. If you believe that a child has submitted personal information on or through our Services without the consent and supervision of a parent or guardian, please contact us at contact@vivaequity.com so that we can take appropriate action.

9. Links to Other Services

Our Services may provide links to other websites operated by third parties. We expect our partners, providers of content and services, and advertisers to be transparent about their data protection practices. Be aware, however, that we have no control over third-party websites. This Policy does not apply to personal information collected on any third-party website. When you access third-party websites through a link on our Site, please take a few minutes to review the privacy policy posted on that site.

10. How We Update Our Privacy Policy

We reserve the right, at our discretion, to make changes to this Policy from time to time, so please review it frequently. You may review updates to our Terms of Use and Privacy Policy at any time via links on vivaequity.com. You agree to accept electronic communications and/or postings of revised versions of this Policy on vivaequity.com and agree that such electronic communications or postings constitute notice to you of the revised version of this Policy. Changes take effect immediately upon posting.

Viva Equity U.S. Consumer Privacy Notice

WHAT DOES VIVA FIRST DO WITH YOUR PERSONAL INFORMATION?

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

  • Social Security Number and account balances
  • Account transactions and checking account information
  • Transaction history and wire transfer instructions
  • Overdraft history

When you are no longer our customer, we continue to share your information as described in this notice.

How? All financial companies need to share customers’ 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 Viva Equity chooses to share; and whether you can limit this sharing.
Reasons we can share your personal information: Does Viva Equity 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 Yes No
For our affiliates’ everyday business purposes information about your transactions and experiences No We don’t share
For our affiliates’ everyday business purposes information about your creditworthiness No We don’t share
For nonaffiliates to market to you information about your creditworthiness No We don’t share

Who we are

Who is providing this notice? Viva Equity

What we do

How does Viva Equity protect my personal information? To protect your personal information from unauthorized access and use we use we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings.
How does Viva Equity collect my personal information? We collect your personal information, for example, when you open an account. We also collect your personal information from others, such as credit bureaus and 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.

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. We do not share with non-affiliates so they can market to you.
Joint Marketing A formal agreement between nonaffiliated financial companies that work together to market financial products or services to you.