Privacy Policy
We're committed to protecting your privacy and complying with Finix and Plaid requirements for secure payment processing.
Table of Contents
Introduction
RippleDeeds is a technology platform that helps donors support independent community organizations ("Communities"). RippleDeeds is not a bank, money transmitter, or financial institution. Payment processing is performed by Finix, and bank-account connectivity is provided by Plaid.
This Privacy Policy describes:
- What information we collect
- How we use, share, and protect it
- Your rights and choices
- How we comply with Finix, Plaid, and legal requirements
If you do not agree with this policy, please do not use RippleDeeds.
Information We Collect
Personal Information
When you create an account or use our services, we collect:
Financial Information
Your bank credentials are never stored by RippleDeeds
When you connect your bank account:
- •Plaid securely handles your financial account access
- •We receive only tokenized identifiers, never your login details
When you make a donation:
- •Finix processes your transaction securely
- •We receive transaction confirmations and settlement data
Platform Usage
We automatically collect data to improve your experience:
- →Device and browser information
- →Usage patterns and preferences
- →Session and interaction data
Community Data
Communities provide information including:
- →Organization details and EIN
- →Project descriptions and updates
- →Financial documentation
How We Use Your Information
We use your information to:
- Facilitate donations
- Connect your bank account via Plaid
- Process payments via Finix
- Maintain donor and community accounts
- Deliver donor impact updates
- Prevent fraud and maintain platform integrity
- Comply with legal, regulatory, contractual, and audit obligations
We also use aggregated or de-identified data to improve our services.
We do not sell personal information.
How We Share Your Information
We share your information only in specific, transparent circumstances:
Banking & Payment Partners
→Plaid (Bank Account Connections)
To connect your financial account, we share certain identifying information with Plaid. They operate under their own privacy standards.
Review Plaid's Privacy Policy→→Finix (Payment Processing)
To process your donations securely, we share:
Communities You Support
When you make a donation, we share your name and donation amount with the Community so they can thank you and provide impact updates.
Your bank details remain completely private
Service Providers
We work with trusted partners to operate our platform:
Legal & Security Disclosures
We may share information when legally required or to protect our platform—such as responding to court orders, investigating fraud, or complying with financial regulations.
Financial Disclosures
As a donation platform working with payment processors, we're required to disclose specific financial arrangements:
Community Payment Model
Communities operate as independent Sub-Merchants through Finix. We share their information for:
Note: Communities are responsible for fraud prevention, chargebacks, and compliance with payment terms.
Transaction Disputes
When issues arise, we share information with Finix and banking partners to resolve:
Fund Reserves & Holds
Finix may place reserves or holds on funds based on risk assessment. Community information may be shared to support these financial decisions.
How Long We Keep Your Data
We keep information only as long as necessary, following industry standards and legal requirements:
Profile Data
Active account + 1 year
Bank Tokens
While needed
Transactions
7 years (legal requirement)
Activity Logs
12 months
Photos & Videos
Until you delete
When data is no longer needed, we securely delete it using industry-standard methods.
How We Protect Your Information
Your security is our priority. We follow industry-leading standards:
Bank-Level Encryption
Data encrypted in transit and at rest
Multi-Factor Auth
Required on all admin systems
Access Controls
Role-based permissions & audits
Secure Storage
Device-level token encryption
24/7 Monitoring
Continuous security assessments
Incident Response
Rapid security event protocols
Your Rights
Depending on your location, you may have the right to:
- Access your data
- Correct inaccuracies
- Delete your data
- Revoke consent for Plaid connections
- Opt out of certain uses
- Request information about data sharing
To exercise your rights:
Contact: support@rippledeeds.com
RippleDeeds will verify your identity before fulfilling requests.
Children's Privacy
RippleDeeds is not intended for children under 13.
We do not knowingly collect data from children without parental consent.
International Users
RippleDeeds is intended for U.S. users.
If accessing from outside the U.S., you consent to U.S. data processing laws.
Changes to This Policy
RippleDeeds may update this Privacy Policy at any time.
We will post the updated version with a new "Effective Date".
Contact Us
For privacy inquiries:
Mailing Address
Spotz Group Inc
1401 Pennsylvania Ave
Wilmington, DE 19806