Privacy Policy

Our Commitment to Your Privacy

Pool United Inc. (“Pool,” “we,” “our,” or “us”) respects your privacy and is committed to protecting the personal information we collect and process. This Privacy Policy explains how we collect, use, share, and safeguard your information, and describes your rights under applicable federal and state privacy laws.

Applicability

This Privacy Policy applies to information collected from current, former, and prospective users of Pool’s products and services, including our website, mobile applications, and payment platform. When you are no longer our customer, we continue to handle your information as described here.

Information We Collect

We may collect the following categories of information:

Identifiers: name, address, email, phone number, date of birth, SSN, and government-issued ID.
Financial information: bank account numbers, routing numbers, payment card numbers, transaction history.
Device and technical data: IP address, device ID, operating system, browser type, and location data.
Usage information: account activity, features used, preferences, and communications.
Third-party information: credit bureaus, identity verification services, banking partners, social media.

How We Use Your Information

We use your personal information to open and service accounts, process transactions, comply with BSA/AML and OFAC requirements, verify identity, prevent fraud, provide customer support, improve services, market our products (with disclosures), and meet legal obligations.

How We Share Information

We may share personal information with vendors, banking partners, affiliates, regulators, law enforcement, or as part of a business transfer. We do not sell personal information or allow third parties to use it for their own marketing without consent.

GLBA Privacy Notice – Information Sharing

Reasons we can share your personal information	Do we share?	Can you limit this sharing?
For our everyday business purposes – to process your transactions, maintain your account(s), respond to legal requests, 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	No	No
For our affiliates’ everyday business purposes – information about your transactions and experiences	No	No
For our affiliates’ everyday business purposes – information about your creditworthiness	No	We don’t share
For nonaffiliates to market to you	No	We don’t share

Cookies and Tracking

We use cookies and similar technologies for functionality, analytics, and marketing. You may adjust browser settings to manage cookies. We do not currently respond to ‘Do Not Track’ signals.

Data Retention

We retain personal information only as long as necessary for business purposes, compliance, or dispute resolution.

Security

We implement administrative, technical, and physical safeguards to protect your information, though no system is 100% secure.

Children’s Privacy

Our services are not directed to children under 13, and we do not knowingly collect their data.

Your Privacy Rights

Under GLBA, you have the right to receive this notice annually. Pool does not provide opt-outs because we do not share data in ways that require them.

Changes to This Privacy Policy

We may update this Privacy Policy periodically. Updates will be posted with a new effective date, and material changes will be communicated as required.

Contact Us

Pool United Inc.

Email: privacy@poolmoney.com

Website: www.poolmoney.com

State Privacy Law Addenda

The following sections supplement the Pool Privacy Policy for residents of specific states.

California Consumer Privacy Act (CCPA/CPRA) Supplement

If you are a California resident, you have additional rights under the California Consumer Privacy Act (CCPA), as amended by the California Privacy Rights Act (CPRA). These rights apply to certain personal information not otherwise exempt under GLBA.

Your rights include:

Right to Know what personal information we collect, use, and disclose.
Right to Access and request a copy of your personal information.
Right to Delete personal information, subject to legal exceptions (GLBA exclusions).
Right to Correct inaccurate personal information.
Right to Opt Out of the sale or sharing of personal information (Pool does not sell data).
Right to Limit the use of sensitive personal information (SSN, account credentials, geolocation).
Right to Non-Discrimination for exercising your privacy rights.

You may exercise your rights by contacting us at privacy@poolmoney.com or calling 1-855-664-1888. We may require verification of identity before fulfilling requests.

Category of Personal Information	Business Purpose	Shared?
Identifiers (name, address, SSN)	Account opening, servicing, fraud prevention	Yes – with service providers, affiliates, regulators
Financial Information (account numbers, transactions)	Payment processing, compliance	Yes – with partners, regulators
Internet/Network Activity (IP address, cookies)	Analytics, marketing, site functionality	Yes – with vendors
Geolocation Data	Fraud prevention, compliance, personalization	Yes – with providers
Inferences (preferences, usage patterns)	Service improvement, marketing	No

Vermont Privacy of Consumer Financial and Health Information Supplement

If you are a Vermont resident, we are required to obtain your affirmative consent (opt-in) before sharing your nonpublic personal financial information with nonaffiliated third parties, except as required or permitted by law.

Vermont rights include:

We will not disclose nonpublic financial information to nonaffiliates without your opt-in consent, except as required by law.
You may revoke consent at any time.
You will receive an initial privacy notice and annual notices thereafter.
Our affiliate and joint marketing practices comply with Vermont requirements.

Vermont residents may contact privacy@poolmoney.com to provide or revoke consent.

Additional State Privacy Rights

In addition to California and Vermont, several other states provide residents with specific privacy rights. The following supplements apply to residents of Virginia, Colorado, Connecticut, and Utah.

Virginia Consumer Data Protection Act (VCDPA)

If you are a Virginia resident, the Virginia Consumer Data Protection Act grants you the following rights:

Right to Confirm whether we process your personal data.
Right to Access and obtain a copy of your personal data.
Right to Correct inaccuracies in your personal data.
Right to Delete personal data provided by or obtained about you.
Right to Opt Out of processing of personal data for targeted advertising, sale, or profiling.
Right to Appeal if we deny your request, with a written explanation.

Colorado Privacy Act (CPA)

If you are a Colorado resident, you have rights similar to Virginia residents, including:

Right to Access, Correct, Delete, and Data Portability.
Right to Opt Out of targeted advertising, sale of personal data, or certain profiling activities.
Right to Appeal a decision on a privacy request.

We will respond to consumer rights requests within 45 days, with the possibility of a 45-day extension as permitted by law.

Connecticut Data Privacy Act (CTDPA)

Connecticut residents have rights to Access, Correct, Delete, and Data Portability. They also have the right to Opt Out of targeted advertising, the sale of personal data, or profiling that produces legal or similarly significant effects.

You may also file an appeal if a request is denied, and we will respond in compliance with Connecticut law.

Utah Consumer Privacy Act (UCPA)

Utah residents are entitled to the following rights under the UCPA:

Right to Access personal data.
Right to Delete personal data provided by you.
Right to Data Portability (obtain a copy of personal data in a portable format).
Right to Opt Out of targeted advertising or the sale of personal data.

Unlike some other states, Utah does not provide correction rights or appeal rights. We will respond to requests within 45 days.

Residents of Virginia, Colorado, Connecticut, and Utah may exercise their rights by contacting privacy@poolmoney.com. We may request identity verification before fulfilling your request, as permitted by law.