Last Updated: August 29, 2022
This privacy policy is in place to provide you with information about how we collect, use, and share information through this website, its associated web pages, and any associated mobile application (which we refer to, together with all associated content, functionality, and connected services, as the “Site”).
The Site is owned and operated by Good Tree Capital Fund, LLC (“Good Tree”). In addition, the Site utilizes several service providers (the “Service Providers”) to offer a digital wallet, to enable registered users’ money transfers and payments, for email marketing and customer relationship management, and related purposes. Good Tree and Service Provider are collectively referred to as “us”, “we” or “our” throughout this policy. When we refer to “you” and “your” in this policy, we are referring to you as a visitor to and user of the Site.
Your access to the Site and all communications between you and us are subject to this privacy policy. PLEASE READ THIS PRIVACY POLICY COMPLETELY AND CAREFULLY BEFORE USING THE SITE OR SUBMITTING ANY INFORMATION, PARTICULARLY PERSONAL INFORMATION, THROUGH THE SITE. BY USING THE SITE, YOU ARE AGREEING TO THIS PRIVACY POLICY.
This privacy policy is a part of the Site terms and conditions, located here Good Tree.capital/termsofservice, which is incorporated into this policy by reference.
Because of changes in Internet technology and practices, this privacy policy may change from time to time. We will post any changes we make to this privacy policy on this page, and any changes will be effective once the new policy is posted. It is your responsibility to check this privacy policy for updates. You can determine when this privacy policy was last updated by referring to the “Last Updated” legend at the top. By using the Site after we post any changes to this privacy policy, you agree to accept those changes, whether or not you have reviewed them.
1. HOW WE COLLECT AND USE YOUR PERSONAL INFORMATION
A. What Is Personal Information? Personal information refers to information that we can use to personally identify a specific individual. Different states and countries define personal information (and similar terms, such as personal data and personally identifiable information) to include different things, but it generally includes information like your name, mailing address, email address, and phone number. It may also include your computer or mobile device IP address, if that IP address can be linked to a particular person, or geo-location information, again if that information can be used to pinpoint a specific person.
B. Providing Personal Information Is Your Choice. You are in control of whether you provide us with your personal information – you can visit and view the Site without disclosing any personal information about yourself. However, if you choose to make use of certain features or services of the Site, you may need to provide certain personal information to us. For example, if you choose to use the Site to create a Good Tree Account (“Account”) or to utilize Good Tree’s platform (“Platform”) to send or receive payment instructions (the “Good Tree-Enabled Services”)—which will result in transactions being completed by one of Good Tree’s financial institutions partners (each, a “Financial Institution Partner—you will be required to enter certain personal information.
If you are not comfortable with providing information to us, you should not do so. Although that will affect your ability to use our Platform and Good Tree-Enabled Services, that is your choice. If you do provide us with any personal information, you agree that it will be accurate and complete, and you understand that it is your responsibility to update your personal information as necessary to keep it current.
C. The Personal Information We Collect, Why We Collect It, and How We Use It. The amount and type of personal information we collect from you depends on your activities and use of our Site. Below, we describe the types of personal information we collect, our reasons for collecting that information, and how we use it.
Device and Browsing Information. When you visit our Site, we may collect your device IP address, referring webSite(s), browser and device types, and the pages that you visit. We collect this information to provide you with a more personalized Site experience. Note that although this information may be considered personal information under some laws, we do not link it to other personal information about you.
Identification and Contact Information. This is information that identifies you as an individual (like your first and last name), that allows us to verify business customer’s identity, and enables us to contact you (like your email address, mailing address, or phone number). It also may include information about you, such as information about reservations made and how you have interacted with our Site.
We will collect this information if you make a create an Account on our Site, if you sign up to receive our emails, newsletters, or other promotional materials, or if you utilize any Good Tree-Enabled Services or features our Site may offer from time to time (together with the Good Tree-Enables Services, the “Services”). We will also be provided with your name and email address if you reach out to us using any “Contact Us” features of the Site.
We also collect and use this information for the purposes of (a) verifying your identity when you create an Account; (b) transacting business with you, which includes receiving your payment instructions, working with our Financial Institution Partners to fulfill your payment requests, contacting you about your Account or payment instructions, conducting customer service, and seeking feedback on our products and Services; (c) responding to any inquiry you send to us; (d) conducting transaction monitoring required by applicable law and/or our Financial Institution Partners; and (e) subject to your right to opt out and subject to applicable law, sending you newsletters or other promotional materials.
Financial Account Information. If you utilize the Good Tree-Enabled Services on our Site, we and our Financial Institution Partners will collect applicable financial information from you, such as credit union or bank account information, to prefund your Account, facilitate payments, and conduct transaction monitoring. We also collect account and other information that you provide about intended payment recipients to facilitate your payment requests and to notify the recipient of payments.
Other Credit and Personal Information. We may collect additional credit information and other personal information from third party vendors for the purpose of performing identify verification or transaction monitoring.
D. Certain Generally-Applicable Uses of Personal Information. In addition to the specific uses described above, the personal information we collect may be used for the following additional purposes, all of which are related to our operation of our business and our provision of services:
E. How Long We Keep Personal Information. We collect personal information for as long as we continue to have a business need to do so (which will be at least as long as you continue have an open reservation or, if applicable, an account on our Site), unless a longer period is required by law. Business needs include legal, taxation, accounting, risk management, and other business purposes.
2. HOW AND WHY WE SHARE PERSONAL INFORMATION
We restrict access to your personal information to those who need to access it to use it as described in this privacy policy. We share personal information with third parties in the following circumstances:
We do not sell, rent, or lease any personal information that we collect about you through the Site to anyone for any purpose, other than as disclosed, unless you have given us your separate express permission to do so.
3. COOKIES AND OTHER TRACKING TECHNOLOGY
A. How We Use Cookies. Cookies are small text files that are stored on your browser, device, or the page you are viewing when you visit a webSite. Some cookies are deleted once you close your browser or application (session cookies), while other cookies are retained even after you exit so that you can be recognized when you return (persistent cookies). We use session cookies to make it easier for you to navigate our Site. We use persistent cookies to store your email address and, subject to our Site features and your setting preferences, your account login information, so you don’t have to enter it more than once. We also use persistent cookies to store financial account information and payments-specific data data, and to monitor and analyze Site traffic.
Most web browsers automatically accept cookies and other tracking technologies, but you can usually change your settings to prevent that, such as by having your device warn you each time a cookie is being sent or choosing to turn off all cookies. On our Site, you will be able to disable all cookies other than persistent cookies that are required when you make a payment. This can be done through your web browser settings, and because each browser is different, you should look at your browser’s “Help” menu to learn how to modify your cookie settings.
If you do disable cookies from your browser you may not be able to access certain Services or serctions of the Site that use essential cookies, and this may make your experiences on the Site less efficient.
B. Third Party Tracking Technologies. We may allow third parties to set cookies during your visit to the Site. These are third parties that provide us with information about how you use the Site.
In addition, various third parties, including our analytics providers and our ad partners, may use cookies, alone or with other tracking technology, to collect information about you when you use the Site for their own purposes, independent from us. These third parties may be able to associate the information they collect with your personal information, or they may collect information, including personal information, about your online activities over time and across other website and online services. They may use this information to provide you with behavioral advertising or other targeted content on other websites and through other media.
We cannot control any third parties’ tracking technologies or how they may be used. If you have any questions about an advertisement or other targeted content, you should contact the responsible provider directly.
C. Do Not Track Requests. Currently, certain browsers offer a “do not track” (“DNT”) option. This option, using a technology known as a DNT header, sends a signal to websites visited by the user about the user’s DNT preference, if any, set on the browser. We do not currently commit to responding to browsers’ DNT signals. We cannot make this commitment because there is not a common understanding among industry groups, technology companies, or regulators about how to interpret the DNT signal.
4. THIRD PARTY SITE AND SOCIAL SHARING FEATURES
Our Site may include links to other websites, including financial services providers. We do not control the privacy practices of any third parties, and if you submit personal information to any of those sites, their collection and use of your information is governed by their privacy policies, which differ from ours. We encourage you to carefully read the privacy policy of any website you visit.
5. Our Security Measures
We use a variety of industry-standard security measures to maintain the safety of your personal information, including measures designed to secure your personal information from accidental loss and from unauthorized access, use, alteration and disclosure. We store the personal information you provide on secure (password- and firewall-protected) servers. All electronic financial transactions conducted through our Site are protected by encryption technology.
Unfortunately, no electronic data transmission over the Internet can be guaranteed to be 100% secure. As a result, while we believe that we use reasonable measures to protect personal information, we cannot ensure or warrant the security of any information transmitted or otherwise provided to us or received from us.
It is your responsibility for keeping all information associated with your Account confidential. We will never ask for any password (unless one is necessary to create or access your Account or to confirm a payment request).
6. YOUR RIGHTS REGARDING YOUR INFORMATION
A. General Rights.
Providing Personal Information Is Your Choice, You can browse the Site without providing any personal information, other than browsing data (which we will not attempt to link to any other personal information). However, if you choose to use the Site to engage with us, such as by creating an Account, you will be required to provide us with the necessary information. If you do not want to provide us with any information, you should not use our Site.
Your Rights to Opt Out of Certain Communications, You can always opt out of receiving promotional communications such as our newsletters by selecting the “unsubscribe” link included in any email communications, or by contacting us at us at support@goodtree.capital. Please note that despite your email preferences, we may need to contact you regarding payments instructions, as required by law, or regarding legal matters. However, we will not send you marketing communications after you have opted out of receiving them.
How to Update and Change Your Information, You can contact us at any time at support@goodtree.capital to request that we make any edits to any Account or other personal information that you believe we maintain.
How to Request Deletion of Your Information, As noted above, we have standard retention practices with respect to the personal data we collect, and your personal information will be retained and used as described in this privacy policy. If you would like to request any earlier removal of your personal information, you can also contact us at support@goodtree.capital. Please note that we may not be able to completely remove personal information from the Site or our systems in certain circumstances. This will be true if the data is not in a searchable format or if it is retained in backup systems or cashed or archived pages. Once we no longer need it to provide you with requested services, we will retain and use your information only as necessary to comply with our legal obligations, resolve disputes, prevent fraud or future abuse, and enforce our agreements, including any Site terms.
B. Certain Rights of California Residents. If you are a California resident, please see the Additional Information for California Residents, below.
C. Certain Rights of Nevada Residents. If you are a Nevada resident, please note that we do not sell information as defined in and for purposes of Nevada’s online privacy law.
7. A Note about Children
Our Site is not targeted to, and we have no interest in collecting information from, children. We do not knowingly gather any personal information from children under the age of 13. If you are a parent or legal guardian who believes that your child has provided us with any personal information, please contact us at support@goodtree.capital.
8. INTERNATIONAL USERS
If you are accessing the Site from outside the United States and provide us with personal information through the Site, you understand that your personal information will be transferred to and processed in the United States. The laws that apply to the use and protection of your personal information in the United States are different than the laws of other countries. By using our Site, regardless of your country of origin and/or the country in which you access or use the Site, you consent to the collection, sharing and use of your information, including any personal information, as described in this privacy policy.
Additional Information for California Residents
1. APPLICABILITY OF AND GENERAL INFORMATION ABOUT THIS CALIFORNIA PRIVACY NOTICE
This Additional Information for California Residents (this “California Privacy Notice”) applies solely to residents of California (who are referred to as “you” or as “consumers” in this California Privacy Notice). It is provided as a supplement to the information contained in our privacy policy and is intended to provide additional details regarding our collection and use of personal information.
This California Privacy Notice has been adopted to comply with the California Consumer Privacy Act of 2018, referred to as the “CCPA”, so any terms defined in the CCPA (such as “personal information,” “consumer,” “service provider,” “third party,” and “sale/sell”) will have the same meaning when used in this California Privacy Notice. For example, a “consumer” refers to a natural person that is a resident of the state of California.
2. THE CATEGORIES OF PERSONAL INFORMATION WE COLLECT
For purposes of the CCPA, the table below describes the categories of personal information we have collected within the last 12 months and the categories of third parties with whom we have shared that information for a business or commercial purpose.
In addition to the business or commercial purpose of collection of personal information described above, we may use any of the personal information we collect for the general purposes disclosed in our main privacy policy, and may disclose personal information for our business and commercial purposes as described in our main privacy policy.
3. INFORMATION ABOUT SALES OF PERSONAL INFORMATION
In the past 12 months, we have not sold any personal information.
While the CCPA has a broad definition of what constitutes a sale of information, many types of transfers of information do not qualify as “sales” under the CCPA. We have carefully evaluated the manner in which we share information to determine that we do not sell your personal information.
As noted above, we share information with our Service Providers (including our Financial Institution Partners) who need the information in order to perform contracted services for us. This may include transfers necessary to process payments. We enter into agreements with each Service Provider that limit the purposes for which the personal information may be used and that require the third party to keep that personal information confidential. With these protections, these transfers are not considered “sales” under the CCPA.
4. YOUR RIGHTS AND CHOICES REGARDING YOUR PERSONAL INFORMATION UNDER THE CCPA
The CCPA provides California residents with certain specific rights regarding their personal information. This section describes your CCPA rights, and explains how to exercise them. Please note that your rights are subject to limitations and exceptions described in the CCPA.
If you make a request to delete your personal information, we can deny that request if we or our Service Providers need to keep the information to:
To exercise any of the rights described above, you must submit a verifiable consumer request to us. You can do so by:
Only you, or a person registered with the California Secretary of State that you expressly authorize to act on your behalf, can make a verifiable consumer request related to your personal information. You may also make a verifiable consumer request on behalf of your minor child.
If you contact us to exercise your California privacy rights, you must attest to the fact that you are a California resident, and provide us with a current California address. We cannot respond to your request or provide you with information if we cannot identify you or confirm your authority to make the request, so any request will require you to provide sufficient information to allow us to reasonably verify your identity and/or the identity and authorization of your agent (if applicable). We will only use any personal information provided in a verifiable consumer request to verify the requesting party’s identity or authority to make the request, by matching that information with the personal information we already have about you.
We will respond to any verifiable consumer request in the manner and within the timeframes required by the CCPA.
You may only make a verifiable consumer request for access or data portability twice within any 12-month period.
5. OTHER CALIFORNIA RIGHTS
In addition to the CCPA, California’s “Shine the Light” law permits California residents to request certain details about our disclosure of their personal information to third parties for those third parties’ own direct marketing purposes. If you are a California resident and you would like to make such a request, please contact us at support@goodtree.capital. Please note that there are legal limits on how often you can make such a request, and we are only obligated to respond to one information request per customer per year.