Tensor Financial Corporation

Effective Date: 2024-10-30

Tensor Financial Corporation (“TFC”) provides its website and related applications (collectively, the “Site”) and services (the “Services”) to you, subject to the following privacy policy (the “Privacy Policy”).

Information we collect. As a part of operating the Site and providing the Services, we collect information about you and your business directly as part of the registration process, in the course of your use of the Site and when you contact us for support. We refer to this as “Directly Collected Personal Information.”

We also get information about your employees, your vendors and your customers when you sync third-party services to the Site; examples include payroll information, bank transactions, and information included invoices. We refer to this as “Business Information.” Sometimes the Business Information includes information that might identify an individual. For example, payroll information may include the names of employees and bank transactions may include the names of individual customers or vendors of your business. We refer to this as “Indirectly Collected Personal Information.” When we remove or anonymize the Indirectly Collected Personal Information from the Business Information, we refer to this as the “Anonymized Business Information”.

We automatically collect certain usage information when you access the Site, such as IP addresses, log files, unique device identifiers, pages viewed, browser type, any links you click on to leave or interact with the Site, and other usage information collected from cookies and other tracking technologies. We refer to this as “Usage Information.”

Our Services may change over time and we may introduce new features that may collect new or different types of information.

How we use information. We use your information for the following purposes:

Directly Collected Personal Information. We use the Directly Collected Personal Information:

to register your account,
to communicate with you about TFC, the Site and our Services,
to provide you with support for the Site and our Services.

Business Information. We use your Business Information (including the Indirectly Collected Personal Information):

to create reports for your use on the Site,
to provide Services you request,
to create predictions of future income and expenditures for your specific business,

Anonymized Business Information. We use Anonymized Business Information:

to assist in the creation of predictions of future income and expenditures of businesses that are similar to your business,
to create benchmarks, industry averages and other comparison-based information,
to improve our Site and Services and develop new products and services.

Information sharing. We only share your information with third parties with whom (a) you have explicitly agreed to have your information shared, (b) sub-contractors who help us maintain the Site and provide the Services, but only if they agree to maintain the confidentiality of the information we provide to them, act on our behalf and under our instructions, and not use the information for purposes other than the the particular activities we have contracted them for, (c) in response to the lawful request of courts, law enforcement agencies, or other government bodies, and (d) in connection with the sale of our company.

Managing Information. You may access, update, change, or correct your Directly Collected Personal Information either through the Site or through customer support. You can adjust our uses of your Directly Collected Personal Information for communications by opting out via the links in those communications. Opting out of marketing communications will not stop mandatory service messages. You can only delete your Directly Collected and Indirectly Collected Personal Information by deleting your entire account.

Cookies. TFC and our service providers cookies, web beacons, pixels, local shared objects, and similar technologies (collectively, "Cookies"). Some cookies are required to operate the Site and offer our Services, while others are used to enhance performance or to market our Site and Services. We do not use third party cookies.

Data Retention. We will retain your information as long as necessary to serve you, to maintain your account for as long as your account is active, or as otherwise needed to operate our business. When you close your account, we may continue to communicate with you about our Services, give you important business updates that may affect you, and let you know about products and services that may interest you, unless you have opted out of receiving marketing communications. We may also continue to use Anonymized Business Information for business purposes and to improve our offerings or in some cases to develop new ones. We will retain and use your information to comply with our legal and reporting obligations, resolve disputes, enforce our agreements, complete any outstanding transactions and for the detection and prevention of fraud.

Access Rights. You may contact us to confirm whether we maintain, or process on behalf of a third party, any of your Personal Information and to review it in order to verify its accuracy and the lawfulness of our processing of such Personal Information. Where you have determined that the Personal Information we collected about you is inaccurate or processed in violation of applicable law, you may also request that your Personal Information be corrected, amended, or deleted. Requests for access to your Personal Information and to have it corrected, amended, or deleted should be sent to privacy@tensor.financial.