Privacy Policy

Last Updated: March 26, 2025

Introduction

Spend Inc. ("Spend," "we," "our," or "us") respects your privacy and is committed to protecting your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website at spend.com, use the Spend mobile application, apply for or use the Spend Bitcoin Rewards Card or otherwise interact with us (collectively, the "Services").

Please read this Privacy Policy carefully. If you do not agree with the terms of this Privacy Policy, please do not access our Services. We reserve the right to make changes to this Privacy Policy at any time and for any reason. We will alert you about any changes by updating the "Last Updated" date of this Privacy Policy. You are encouraged to periodically review this Privacy Policy to stay informed of updates.

Contact Information

If you have questions or comments about this Privacy Policy, please contact us at:

Email: privacy@spend.com

For legal matters: legal@spend.com

For compliance inquiries: compliance@spend.com

Information We Collect

Personal Information

We may collect personal information that you provide to us when you register for an account, apply for the Spend Bitcoin Rewards Card, complete a form, make a purchase, or otherwise interact with our Services. The personal information we collect may include:

  • Contact information (such as name, email address, mailing address, and phone number)
  • Date of birth and social security number (for identity verification and credit card application)
  • Financial information (such as credit card details, banking information, and transaction history)
  • Government-issued identification information (such as driver's license, passport, or other ID)
  • Employment information (such as employer name, job title, income, and employment history)
  • Account credentials (such as username, password, and security questions)

Automatically Collected Information

When you access our Services, we may automatically collect certain information about your device and usage of our Services. This information may include:

  • Device information (such as device type, operating system, and browser type)
  • IP address and geographical location
  • Usage information (such as pages visited, time spent on pages, links clicked, and interactions with our Services)
  • Cookies and similar tracking technologies (as described in our Cookie Policy)

How We Use Your Information

We may use the information we collect for various purposes, including:

  • Providing, maintaining, and improving our Services
  • Processing and completing transactions
  • Verifying your identity and processing your credit card application
  • Administering your account
  • Communicating with you about our Services, updates, and promotional offers
  • Responding to your inquiries, comments, or concerns
  • Monitoring and analyzing usage patterns and trends
  • Detecting, preventing, and addressing technical issues, fraud, or illegal activities
  • Complying with legal and regulatory requirements

Disclosure of Your Information

We may share your information with third parties in the following situations:

  • Service Providers: We may share your information with third-party vendors, service providers, contractors, or agents who perform services for us or on our behalf, such as payment processors, identity verification services, and cloud storage providers.
  • Business Partners: We may share your information with our business partners to offer you certain products, services, or promotions.
  • Corporate Transactions: We may share your information in connection with, or during negotiations of, any merger, sale of company assets, acquisition, reorganization, sale of assets, or bankruptcy.
  • Legal Requirements: We may disclose your information if required to do so by law or in response to valid requests by public authorities (e.g., a court or government agency).
  • Protection of Rights: We may disclose your information to protect the rights, property, or safety of Spend, our users, or others.