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Privacy Policy

Privacy Policy| Last updated: March 7, 2024

This Privacy Policy includes important information about your personal data and we encourage you to read it carefully.

 

This Privacy Policy (“Policy”) describes the Personal Data we collect, how we use and share it, along with details on how you can reach out to us with privacy-related inquiries. Additionally, the Policy outlines your rights as a data subject and choices you have, including the right to object to certain usages of your Personal Data by us. In this Policy, “LIQUID MIND®”, “we”, “our,” or “us” refers to the LIQUID MIND® entity responsible for the collection, use, and handling of Personal Data as described in this document. 

“Personal Data” refers to any information associated with an identified or identifiable individual, which can include data that you provide to us, and we collect about you during your interaction with our Services (such as device information, IP address, etc.).

“Services” refer to the products and services provided by LIQUID MIND® under the LIQUID MIND® Services Agreement and the LIQUID MIND® Consumer Terms of Service. This may include devices and applications provided by LIQUID MIND®. Our “Business Services” are services that we provide to entities (“Business Users”) that directly and indirectly provide us with “End Customer” Personal Data in connection with their own business operations and activities. Our “End User Services” are those that LIQUID MIND® provides directly to individuals for their personal use. “Sites” refer to LIQUIDMIND®.ai and other LIQUID MIND® websites, apps, and online services. Collectively, we refer to Sites, Business Services, and End User Services as “Services.”

“Financial Partners” are financial institutions, banks, and other partners such as payment method acquirers, payout providers, and card networks that we partner with to provide the Services.

Depending on the context, “you” might be an End Customer, End User, Representative, or Visitor:

  • When you use an End User Service for personal use, such as signing up for Link, we refer to you as an “End User.”

  • When you do business with, or otherwise engage in a transaction with a Business User, such as buying a shirt from a Business User using LIQUID MIND® Checkout for payment processing, but are not directly transacting with LIQUID MIND®, we refer to you as an “End Customer.”

  • When you are acting on behalf of an existing or potential Business User—perhaps as a company founder, account administrator for a Business User, or a recipient of an employee credit card from a Business User via LIQUID MIND® Issuing—we categorize you as a “Representative.”

  • When you interact with LIQUID MIND® by visiting a Site without being logged into a LIQUID MIND® account, or when your interaction with LIQUID MIND® does not involve you being an End User, End Customer, or Representative, you are considered a “Visitor.” For example, you are a Visitor when you send a message to LIQUID MIND® asking for more information about our Services.

In this Policy, “Transaction Data” refers to data collected and used by LIQUID MIND® to facilitate transactions you request. Some Transaction Data is Personal Data and may include: your name, email address, contact number, billing and shipping address, payment method information (like credit or debit card number, bank account details, or payment card image chosen by you), merchant and location details, amount and date of purchase, and in some instances, information about what was purchased.

Depending on the activity, LIQUID MIND® assumes the role of a “data controller” and/or “data processor” (or “service provider”) based on the activity. 

1. Personal Data that we collect and how we use and share it

2. More ways we collect, use and share Personal Data

3. Legal bases for processing data

4. Your rights and choices

5. Security and retention

6. International data transfers

7. Updates and notifications

8. Jurisdiction-specific provisions

9. Contact us

10. US Consumer Privacy Notice

1. Personal Data we collect and how we use and share it

Our collection and use of Personal Data differs based on whether you are an End User, End Customer, Representative, or Visitor, and the specific Service being utilized. For example, if you're a sole proprietor who wants to use our Business Services, we may collect your Personal Data to onboard your business; at the same time, you might also be an End Customer if you've bought goods from another Business User utilizing our Services for payment processing. 

1.1 End Customers

LIQUID MIND® provides various Business Services to our Business Users, which include in-person or online checkout payment processing or processing payouts for those Business Users. When acting as a service provider—also referred to as a data processor—for a Business User, we process End Customer Personal Data in accordance with our agreement with the Business User and the Business User's lawful instructions. This happens, for example, when we process a payment for a Business User because you purchased a product from them, or when the Business User asks us to send you funds.

Business Users are responsible for ensuring that the privacy rights of their End Customers are respected, including obtaining appropriate consents and making disclosures about their own data collection and use associated with their products and services. If you're an End Customer, please refer to the privacy policy of the Business User you're doing business with for its privacy practices, choices, and controls.

a. Personal Data we collect about End Customers

Transaction Data. If you're an End Customer making payments to, receiving refunds from, initiating a purchase or donation, or otherwise transacting with our Business User, whether in-person or online, we receive your Transaction Data. We may also receive your transaction history with the Business User. Additionally, we may collect information entered into a checkout form even if you opt not to complete the form or transact with the Business User. 

 

Identity/Verification Information. LIQUID MIND® might use 3rd party verification and fraud prevention Services that our Business Users can use to verify Personal Data about you, such as your authorization to use a particular payment method. During the process, you might be asked to share with us certain Personal Data (like your government ID and selfie for biometric verification, Personal Data you input, or Personal Data that is apparent from the physical payment method like a credit card image). To protect against fraud and determine if somebody is trying to impersonate you, we may cross-verify this data with information about you that we've collected from Business Users, Financial Partners, business affiliates, identity verification services, publicly available sources, and other third party service providers and sources.

 

b. How we use and share Personal Data of End Customers

To provide our Business Services to our Business Users, we may use and share End Customers' Personal Data with them. Where allowed, we also use End Customers' Personal Data for LIQUID MIND®’s own purposes such as enhancing security, improving and offering our Business Services, and preventing fraud, loss, and other damages, as described further below.

Payment processing and accounting. We may use your Transaction Data to deliver Payment-related Business Services to Business Users, including online payment transactions processing, sales tax calculation, invoice and bill handling, and helping them determine their revenue, settle their bills, and execute accounting tasks. We may also use your Personal Data to provide and improve our Business Services.

During potential payment transactions, your Personal Data is shared with various entities in connection to your transaction. As a service provider or data processor, we may share Personal Data to enable transactions as directed by Business Users. Please review their privacy policies for more information about how they use and share your Personal Data.

Financial services. Certain Business Users may leverage our Services to offer financial services to you via LIQUID MIND® or our Financial Partners. In addition to any Transaction Data we may generate or receive when these cards are used for purchases, we also collect and utilize your Personal Data to provide and manage these products, including assisting our Business Users in preventing misuse of the cards. Please review the privacy policies of the Business User and, if applicable, our bank partners associated with the financial service (the brands of which may be shown on the card) for more information.

Identity/Verification services. We may utilize Personal Data about your identity, including information provided by you and our service providers, to perform verification services for LIQUID MIND® or for the Business Users that you are transacting with, to prevent fraud and enhance security. If you provide a selfie along with an image of your identity document, we may employ biometric technology to compare and calculate whether they match and verify your identity.

Fraud detection and loss prevention. We may use your Personal Data collected across our Services to detect and prevent losses for you, us, our Business Users, and Financial Partners. We may provide Business Users and Financial Partners using our fraud prevention-related Business Services with your Personal Data (including your attempted transactions) to help them assess the fraud or loss risk associated with the transaction. 

1.2 Representatives

We collect, use, and share Personal Data from Representatives of Business Users (for example, business owners) to provide our Business Services. 

 

  1. Identification Information. As a current or potential Business User, an owner of a Business User, or a shareholder, officer, or director of a Business User, we need your contact details, such as name, postal address, telephone number, and email address, to fulfill our Financial Partner and regulatory requirements, verify your identity, and prevent fraudulent activities and harm to the LIQUID MIND® platform. We collect your Personal Data, such as ownership interest in the Business User, date of birth, government-issued identity documents, and associated identifiers, as well as any history of fraud or misuse, directly from you and/or from third parties such as credit bureaus and via the Services we provide. 

1.3 Visitors

We collect, use, and share the Personal Data of Visitors. 

a. Personal Data we collect about Visitors

When you browse our Sites, we receive your Personal Data, either provided directly by you or collected through our use of cookies and similar technologies. If you opt to complete a form on the Site or third party websites where our advertisements are displayed (like LinkedIn or Facebook), we collect the information you included in the form. This may include your contact information and other information pertaining to your questions about our Services. We may also associate a location with your visit. 

 

b. How we use and share Personal Data of Visitors

Personalization. We use the data we collect from cookies and similar technologies about you to measure user engagement with the content on the Sites, improve relevancy and navigation, customize your user experience (such as language preference and region-specific content), and curate content about LIQUID MIND® and our Services that's tailored to you. For instance, as not all of our Services are available globally, we may customize our responses based on your region.

Advertising. Where allowed by applicable law, we use and share Visitors’ Personal Data with third parties so we can advertise and market our Services. Subject to applicable law, including any consent requirements, we may advertise through interest-based advertising and track the efficacy of such ads. We do not transfer your Personal Data to third parties in exchange for payment. However, we may provide your data to third party partners, like advertising partners, analytics providers, and social networks, who assist us in advertising our Services.

Engagement. As you interact with our Sites, we use the information we collect about and through your devices to provide opportunities for further interactions, such as discussions about Services or interactions with chatbots, to address your questions.

2. More ways we collect, use, and share Personal Data

In addition to the ways described above, we also process your Personal Data as follows:

a. Collection of Personal Data

Online Activity. Depending on the Service used and how our Business Services are implemented by the Business Users, we may collect information related to:

  • The devices and browsers you use across our Sites and third party websites, apps, and other online services (“Third Party Sites”).

  • Usage data associated with those devices and browsers and your engagement with our Services, including data elements like IP address, plug-ins, language preference, time spent on Sites and Third Party Sites, pages visited, links clicked, payment methods used, and the pages that led you to our Sites and Third Party Sites. We also collect activity indicators, such as mouse activity indicators, to help us detect fraud.

Communication and Engagement Information. We also collect information you choose to share with us through various channels, such as support tickets, emails, or social media. If you respond to emails or surveys from LIQUID MIND®, we collect your email address, name, and any other data you opt to include in your email or responses. If you engage with us over the phone, we collect your phone number and any other information you might provide during the call. Additionally, we collect your engagement data, like your registration for, attendance at, or viewing of LIQUID MIND® events and any other interactions with LIQUID MIND® personnel.

Forums and Discussion Groups. If our Sites allow posting of content, we collect Personal Data that you provide in connection with the post.

b. Use of Personal Data. 

Besides the use of Personal Data described above, we use Personal Data in the ways listed below:

Improving and Developing our Services. We use analytics on our Sites to help us understand your use of our Sites and Services and diagnose technical issues. We also collect and process Personal Data throughout our various Services, whether you are an End User, End Customer, Representative, or Visitor, to improve our Services, develop new Services, and support our efforts to make our Services more relevant and useful to you. 

Communications. We use the contact information we have about you to deliver our Services, which may involve sending codes via SMS for your authentication.If you are an End User, Representative, or Visitor, we may communicate with you using the contact information we have about you to provide information about our Services and our affiliates’ services, invite you to participate in our events, surveys, or user research, or otherwise communicate with you for marketing purposes, in compliance with applicable law, including any consent or opt-out requirements. For example, when you provide your contact information to us or when we collect your business contact details through participation at trade shows or other events, we may use this data to follow up with you regarding an event, provide information requested about our Services, and include you in our marketing information campaigns. Where permitted under applicable law, we may record our calls with you to provide our Services, comply with our legal obligations, perform research and quality assurance, as well as for training purposes.

Social Media and Promotions. If you opt to submit Personal Data to engage in an offer, program, or promotion, we use the Personal Data you provide to manage the offer, program, or promotion. We also use the Personal Data you provide, along with the Personal Data you make available on social media platforms, for marketing purposes, unless we are not permitted to do so.

Fraud Prevention and Security. We collect and use Personal Data to help us identify and manage activities that could be fraudulent or harmful across our Services, enable our fraud detection Business Services, and secure our Services and transactions against unauthorized access, use, alteration or misappropriation of Personal Data, information, and funds. As part of the fraud prevention, detection, security monitoring, and compliance efforts for LIQUID MIND® and its Business Users, we collect information from third parties (such as credit bureaus) and via the Services we offer. In some instances, we may also collect information about you directly from you, or from our Business Users, Financial Partners, and other third parties for the same purposes. Furthermore, to protect our Services, we may receive details such as IP addresses and other identifying data about potential security threats from third parties. Such information helps us verify identities, conduct credit checks where lawfully permitted, and prevent fraud. Additionally, we might use (Artificial intelligence) technology to evaluate the potential risk of fraud associated with individuals seeking to procure our Business Services or arising from attempted transactions by an End Customer or End User with our Business Users or Financial Partners.

Compliance with Legal Obligations. We use Personal Data to meet our contractual and legal obligations related to anti-money laundering, Know-Your-Customer ("KYC") laws, anti-terrorism activities, safeguarding vulnerable customers, export control, and prohibition of doing business with restricted persons or in certain business fields, among other legal obligations. For example, we may monitor transaction patterns and other online signals and use those insights to identify fraud, money laundering, and other harmful activity that could affect LIQUID MIND®, our Financial Partners, End Users, our Business Users and others. Ensuring safety, security, and compliance for our Services is a key priority for us, and collecting and utilizing Personal Data is crucial to this effort.

Minors. Our Services are not directed to children under the age of 13, and we request that they do not provide Personal Data to seek Services directly from LIQUID MIND®. In certain countries, we may impose higher age limits as required by applicable law.

c. Sharing of Personal Data. 

Besides the sharing of Personal Data described above, we share Personal Data in the ways listed below:

LIQUID MIND® Affiliates. We share Personal Data with other LIQUID MIND®-affiliated entities for purposes identified in this Policy.

Service Providers or Processors. In order to provide, communicate, market, and advertise our Services, we depend on service providers. These providers offer critical services spanning from providing cloud infrastructure, conducting analytics for the assessment of speed, accuracy, and/or security of our Services, verifying identities, to providing customer service and audit functions. We authorize these service providers to use or disclose the Personal Data we make available to them to perform services on our behalf and comply with relevant legal obligations. We mandate these service providers to contractually commit to ensuring the security and confidentiality of the Personal Data they process on our behalf. The majority of our service providers are based in the European Union, the United States of America, and India. 

Financial Partners. We share Personal Data with certain Financial Partners to provide Services to Business Users seeking such Services as well as offer certain Services in conjunction with these Financial Partners. 

Others with Consent. In some situations, we may not offer a service, but instead refer you to others. In these instances, we will disclose the identity of the third party and the information to be shared with them, and seek your consent to share the information.

Corporate Transactions. If we enter or intend to enter a transaction that modifies the structure of our business, such as a reorganization, merger, sale, joint venture, assignment, transfer, change of control, or other disposition of all or part of our business, assets, or stock, we may share Personal Data with third parties in connection with such transaction. Any other entity that buys us or part of our business will have the right to continue to use your Personal Data, but subject to the terms of this Policy.

Compliance and Harm Prevention. We share Personal Data when we believe it is necessary to comply with applicable law; to abide by rules imposed by Financial Partners in connection with the use of their payment method; enforce our contractual rights; secure and protect the Services, rights, privacy, safety, and property of LIQUID MIND®, you, and others, including against malicious or fraudulent activity; and to respond to valid legal requests from courts, law enforcement agencies, regulatory agencies, and other public and government authorities, which may include authorities outside your country of residence.

3. Legal bases for processing Personal Data

For purposes of the General Data Protection Regulation and other applicable data protection laws, we rely on a number of legal bases to process your Personal Data. 

 

a. Contractual and Pre-Contractual Business Relationships. We process Personal Data to enter into business relationships with prospective Business Users and End Users and fulfill our respective contractual obligations with them. These processing activities include:

  • Creation and management of LIQUID MIND® accounts and LIQUID MIND® account credentials, including the assessment of applications to initiate or expand the use of our Services;

  • Creation and management of LIQUID MIND® Checkout accounts;

  • Accounting, auditing, and billing activities; and

Processing of payments and related activities, which include fraud detection, loss prevention, transaction optimization, communications about such payments, and related customer service activities.

b. Legal Compliance. We process Personal Data to verify the identities of individuals and entities to comply with obligations related to fraud monitoring, prevention, and detection, laws associated with identifying and reporting illicit and illegal activities, such as those under the Anti-Money Laundering ("AML") and Know-Your-Customer (“KYC") regulations, and financial reporting obligations. For example, we may be required to record and verify a Business User’s identity to comply with regulations designed to prevent money laundering, fraud, and financial crimes. These legal obligations may require us to report our compliance to third parties and subject ourselves to third party verification audits.

c. Legitimate Interests. Where allowed under applicable law, we rely on our legitimate business interests to process your Personal Data. The following list provides an example of the business purposes for which we have a legitimate interest in processing your data:

  • Detection, monitoring, and prevention of fraud and unauthorized payment transactions;

  • Mitigation of financial loss, claims, liabilities or other harm to End Customers, End Users, Business Users, Financial Partners, and LIQUID MIND®;

  • Determination of eligibility for and offering new LIQUID MIND® Services

  • Response to inquiries, delivery of Service notices, and provision of customer support;

  • Promotion, analysis, modification, and improvement of our Services, systems, and tools, as well as the development of new products and services, including enhancing the reliability of the Services;

  • Management, operation, and improvement of the performance of our Sites and Services, through understanding their effectiveness and optimizing our digital assets;

  • Analysis and advertisement of our Services, and related improvements;

  • Aggregate analysis and development of business intelligence that enable us to operate, protect, make informed decisions about, and report on the performance of our business;

  • Sharing of Personal Data with third party service providers that offer services on our behalf and business partners that help us in operating and improving our business;

  • Enabling network and information security throughout LIQUID MIND® and our Services; and

  • Sharing of Personal Data among our affiliates.

d. Consent. We may rely on consent or explicit consent to collect and process Personal Data regarding our interactions with you and the provision of our Services. When we process your Personal Data based on your consent, you have the right to withdraw your consent at any time, and such a withdrawal will not impact the legality of processing performed based on the consent prior to its withdrawal.

e. Substantial Public Interest. We may process special categories of Personal Data, as defined by the GDPR, when such processing is necessary for reasons of substantial public interest and consistent with applicable law, such as when we conduct politically-exposed person checks. We may also process Personal Data related to criminal convictions and offenses when such processing is authorized by applicable law, such as when we conduct sanctions screening to comply with AML and KYC obligations.

4. Your rights and choices

Depending on your location and subject to applicable law, you may have choices regarding our collection, use, and disclosure of your Personal Data:

a. Opting out of receiving electronic communications from us

If you wish to stop receiving marketing-related emails from us, you can opt-out by clicking the unsubscribe link included in such emails. We'll try to process your request(s) as quickly as reasonably practicable. However, it's important to note that even if you opt out of receiving marketing-related emails from us, we retain the right to communicate with you about the Services you receive (like support and important legal notices) and our Business Users might still send you messages or instruct us to send you messages on their behalf.

b. Your data protection rights

Depending on your location and subject to applicable law, you may have the following rights regarding the Personal Data we control about you:

  • The right to request confirmation of whether LIQUID MIND® is processing Personal Data associated with you, and if so, request access to that Personal Data;

  • The right to request that LIQUID MIND® rectify or update your Personal Data if it's inaccurate, incomplete, or outdated;

  • The right to request that LIQUID MIND® erase your Personal Data in certain circumstances as provided by law;

  • The right to request that LIQUID MIND® restrict the use of your Personal Data in certain circumstances, such as while LIQUID MIND® is considering another request you've submitted (for instance, a request that LIQUID MIND® update your Personal Data);

  • The right to request that we export the Personal Data we hold about you to another company, provided it's technically feasible;

  • The right to withdraw your consent if your Personal Data is being processed based on your previous consent;

  • The right to object to the processing of your Personal Data if we are processing your data based on our legitimate interests; unless there are compelling legitimate grounds or the processing is necessary for legal reasons, we will cease processing your Personal Data upon receiving your objection; 

  • The right not to be discriminated against for exercising these rights; and 

  • The right to appeal any decision by LIQUID MIND® relating to these rights by contacting LIQUID MIND®’s Data Protection Officer (“DPO”) at reachus@liquidmind.ai

You may have additional rights, depending on applicable law, over your Personal Data. For example, see the Jurisdiction-specific provisions section under United States below.

c. Process for exercising your data protection rights 

To exercise your data protection rights, contact us as outlined below.

5. Security and Retention

We make reasonable efforts to provide a level of security appropriate to the risk associated with the processing of your Personal Data. We maintain organizational, technical, and administrative measures designed to protect the Personal Data covered by this Policy from unauthorized access, destruction, loss, alteration, or misuse. Unfortunately, no data transmission or storage system can be guaranteed to be 100% secure.  

We encourage you to assist us in protecting your Personal Data. If you hold a LIQUID MIND® account, you can do so by using a strong password, safeguarding your password against unauthorized use, and avoiding using identical login credentials you use for other services or accounts for your LIQUID MIND® account. If you suspect that your interaction with us is no longer secure (for instance, you believe that your LIQUID MIND® account's security has been compromised), please write to us at reachus (at) liquidmind (dot) ai immediately.

We retain your Personal Data for as long as we continue to provide the Services to you or our Business Users, or for a period in which we reasonably foresee continuing to provide the Services. Even after we stop providing Services directly to you or to a Business User that you're doing business with, and even after you close your LIQUID MIND® account or complete a transaction with a Business User, we may continue to retain your Personal Data to:

  • Comply with our legal and regulatory obligations;

  • Enable fraud monitoring, detection, and prevention activities; and

  • Comply with our tax, accounting, and financial reporting obligations, including when such retention is required by our contractual agreements with our Financial Partners (and where data retention is mandated by the payment methods you've used).

In cases where we keep your Personal Data, we do so in accordance with any limitation periods and record retention obligations imposed by applicable law. 

6. International Data Transfers

As a global business, it's sometimes necessary for us to transfer your Personal Data to countries other than your own, including the United States. These countries might have data protection regulations that are different from those in your country. When transferring data across borders, we take measures to comply with applicable data protection laws related to such transfer. In certain situations, we may be required to disclose Personal Data in response to lawful requests from officials, such as law enforcement or security authorities.

When a data transfer mechanism is mandated by applicable law, we employ one or more of the following:

  • Transfers to certain countries or recipients that are recognized as having an adequate level of protection for Personal Data under applicable law.  

  • EU Standard Contractual Clauses approved by the European Commission and the UK International Data Transfer Addendum issued by the Information Commissioner’s Office. You can obtain a copy of the relevant Standard Contractual Clauses.

7. Updates and notifications

We may change this Policy from time to time to reflect new services, changes in our privacy practices or relevant laws. The “Last updated” legend at the top of this Policy indicates when this Policy was last revised. Any changes are effective the latter of when we post the revised Policy on the Services or otherwise provide notice of the update as required by law.

We may provide you with disclosures and alerts regarding the Policy or Personal Data collected by posting them on our website and, if you are an End User or Representative, by contacting you through your LIQUID MIND® Dashboard, email address and/or the physical address listed in your LIQUID MIND® account.

8. Jurisdiction-specific provisions

  • India. In some cases, and as permitted under the DPDPA, we may rely on “legitimate use” as a legal basis. For example, we do so when you voluntarily provide your Personal Data to us. “Consent Managers” as defined under the DPDPA may submit a request to revoke or provide consent using the methods described in the Contact Us section below, or as set out in the following paragraph, or via other means made available by LIQUID MIND® in the future. We may ask for proof of authorization and identity before processing such a request.

  • In certain cases, you may be asked to consent to the collection and processing of your Aadhaar number by LIQUID MIND® India Private Limited and/or its third party verification partner(s). The purpose of this collection is to facilitate the identification verification process as required under applicable laws. Your provision of Aadhaar details is purely voluntary, and you may provide other identification documents as may be accepted by us from time to time. You will not be denied service merely for not submitting Aadhaar details.

  • If you have any questions or complaints regarding the processing of your Personal Data in India, or if you want to receive this Policy or communicate with us about privacy in one of India’s official languages, please contact our nodal or grievance officer at reachus (at) liquidmind (dot) ai. If we are unable to address your complaint or grievance, you have the right to escalate the matter to the Data Protection Board of India.

  • United States. If you are a consumer located in the United States (“US”), we process your personal information in accordance with US privacy laws, including the California Consumer Privacy Act ( "CCPA"), Colorado Privacy Act, Connecticut Act Concerning Personal Data Privacy and Online Monitoring, Florida Digital Bill of Rights, Montana Consumer Data Privacy Act, Oregon Consumer Privacy Act, Texas Data Privacy and Security Act, Utah Consumer Privacy Act, and Virginia Consumer Data Protection Act. LIQUID MIND® uses cookies, including advertising cookies.

    • Your Rights and Choices. As a US consumer and subject to certain limitations under US privacy laws, you may have choices regarding our use and disclosure of your Personal Data. Other rights include:

      • Exercising the right to know: You have a right to request additional information about the categories of personal information collected, sold, disclosed, or shared; purposes for which this personal information was collected, sold, or shared; categories of sources of personal information; and categories of third parties with whom we disclosed or shared this personal information.

      • Exercising the right to opt-out from a sale or sharing: We do not transfer your personal data to third parties in exchange for payment. However, as noted above, we may provide the data to third party partners, such as advertising partners, analytics providers, and social networks, who assist us in advertising our products and Services to you. Because these third parties may use the data LIQUID MIND® provides for their own purposes, LIQUID MIND®'s provision of data to these parties may be considered a data “sale” or “sharing” as those terms are defined under the CCPA and other applicable US privacy laws. You can opt out of targeted advertising and any related data “sales” or “sharing”.

      • Exercising the right to limit the use or sharing of Sensitive Personal Information: We do not sell or share Sensitive Personal Information as defined by US privacy laws and have not done so in the past 12 months. Learn more about our collection and use of Sensitive Personal Information over the last 12 months.

    • To submit a request to exercise any of the rights described above, please contact us using the methods described in the Contact Us section below. Please note that rights under some U.S. state laws do not apply to Personal Data we collect, process, and disclose when you act as a consumer to obtain financial products or services from LIQUID MIND® for individual or household purposes. The federal Gramm-Leach Bliley Act may govern how LIQUID MIND® shares and protects that data instead. We will verify your request by asking you to send it from the email address associated with your account or requiring you to provide information necessary to verify your identity, including name, address, transaction history, photo identification, and other information associated with your account.

    • You may designate, in writing or through a power of attorney, an authorized agent to make requests on your behalf to exercise your rights under the CCPA. Your agent may submit a request on your behalf by contacting us using the methods described in the Contact Us section below. We may still require you to directly verify your identity and confirm that you gave the authorized agent permission to submit the request.

  • Global Privacy Control signals. LIQUID MIND® honors the Global Privacy Control (GPC) opt-out preference signals.

9. Contact us

If you have any questions or complaints about this Policy, please write to us at reachus (at) liquidmind (dot) ai. If you are an End Customer (i.e., an individual doing business or transacting with a Business User), please refer to the privacy policy or notice of the Business User for information regarding the Business User’s privacy practices, choices and controls, or contact the Business User directly.

10. US Consumer Privacy Notice

The following Consumer Privacy Notice applies to you if you are an individual who resides in the United States and obtains financial services from LIQUID MIND® primarily for your own personal family or household purposes.

Last updated: March 7, 2024

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