Privacy Policy

We collect information you provide directly to us, including:

• Personal identification information (name, email address, phone number)
• Business information (company name, EIN, business address)
• Financial information (bank account numbers, routing numbers) for verification purposes
• Account credentials and authentication data
• Communication records when you contact our support team

We also automatically collect certain information when you use our services, including IP addresses, browser type, device information, and usage patterns through cookies and similar technologies.

We use the information we collect to:

• Provide, maintain, and improve our bank account verification services
• Process and complete verification transactions
• Send you technical notices, updates, security alerts, and administrative messages
• Respond to your comments, questions, and customer service requests
• Monitor and analyze trends, usage, and activities in connection with our services
• Detect, investigate, and prevent fraudulent transactions and other illegal activities
• Comply with legal obligations and regulatory requirements

We do not sell your personal information. We may share your information only in the following circumstances:

• With banking partners and financial institutions as necessary to provide verification services
• With service providers who assist us in operating our platform
• When required by law, regulation, or legal process
• To protect the rights, property, and safety of eCheck.io, our users, or the public
• In connection with a merger, acquisition, or sale of assets

All third-party partners are contractually required to maintain the confidentiality and security of your data.

We implement industry-standard security measures to protect your information:

• AES-256 encryption for data at rest
• TLS 1.3 encryption for data in transit
• Multi-factor authentication for account access
• Regular security audits and penetration testing
• SOC 2 Type II certified infrastructure
• PCI DSS Level 1 compliance for financial data handling

While we strive to protect your information, no method of transmission over the Internet is 100% secure.

We retain your personal information for as long as your account is active or as needed to provide you services. We may also retain and use your information as necessary to comply with legal obligations, resolve disputes, and enforce our agreements.

Verification transaction records are retained for a minimum of 5 years in accordance with financial regulatory requirements. You may request deletion of your account data by contacting our privacy team.

Depending on your jurisdiction, you may have the following rights:

• Access: Request a copy of the personal data we hold about you
• Correction: Request correction of inaccurate personal data
• Deletion: Request deletion of your personal data
• Portability: Request your data in a portable format
• Opt-out: Opt out of marketing communications at any time
• Restriction: Request restriction of processing of your data

To exercise any of these rights, please contact us at privacy@echeck.io.

We may update this privacy policy from time to time. We will notify you of any material changes by posting the new policy on this page and updating the "Last Updated" date. We encourage you to review this policy periodically for any changes.

Continued use of our services after any modifications to this policy constitutes your acceptance of such changes.