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Ennoble Finance, LLC Privacy Policy

Effective Date: 07/15/2021
Last Updated: 07/15/2021

Who We Are

Who is providing this notice?

Thank you for your interest in Ennoble Finance, LLC (“Ennoble Finance,” “Revolve Finance,” “we,” or “us”). Revolve Finance is a company which provides, or arranges, for consumers to obtain various financial products and services, such as establishing and maintain, and managing your electronic demand deposit account at Republic Bank of Chicago (“Account”). We welcome you to the Site at https://www.revolvefinance.com, as well as all related websites and mobile applications (the “Site”), and products and services provided by us and certain third parties (collectively, together with the Site, our “Service”). By accessing or using the Service or the Site, you acknowledge that you have read, understood, and agree to the terms of this privacy policy (“Privacy Policy”). If you cannot agree to the Privacy Policy, then please do not use the Service or the Site.

As you use our Service, you may provide us with information about you, including information that can be used to identify you. This Privacy Policy explains (1) your responsibilities when using the Site and the Service, and (2) how Revolve Finance may collect, use, and disclose information you provide us and other information we receive related to your use of the Service.

If you have questions about this Privacy Policy, please contact us:
Phone: 1-855-587-7858
Email: PrivacyPolicy@revolvefinance.com

What does Revolve Finance do with your personal information?

What?

The types of personal information we collect and share depend on the product or service you have with us. The foregoing pieces of Personal Information have been collected about our consumers in the past 12 months:

  • Social Security Number, account balances, employment information and income
  • Overdraft history
  • Transaction history and account information
  • Name, Address, including zip code
  • Email address, telephone numbers, including mobile
  • Usernames
  • Date of Birth
  • Signature

Why?

Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some, but not all, sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.

When you are no longer our customer, we continue to share your information as described in this notice. Please note: If you are a new customer, we can begin sharing your information 30 days from the date you complete your first transaction.

How does Ennoble collect my personal information?

We collect your personal information, for example, when you:

  • Open an account or deposit money
  • Pay your bills
  • Use your debit card

We collect personal information on individuals only as allowed by law. We limit the collection of personal information to what is relevant and necessary to accomplish a lawful purpose. We collect your personal information from a variety of sources, including information provided by you and others, such as credit bureaus, affiliates, other companies, and information we collect when you visit the Site, transaction information.

We do not collect home, business or email addresses, or account information from persons who simply browse our internet website. The information we do automatically collect, including information collected in the past 12 months via internet and other electronic network activity information through your interactions with the Site includes the domain name or Internet Protocol address that relates to the machine or device used to access the Site, the type of browser and operating system used, browser and search history, information regarding a consumer's interaction with an Internet Website, application or advertisement, cookies, beacons, pixel tags, mobile ad identifiers, the date and time when the website is visited, device ID if you are on a mobile device, and web pages displayed.

Like many websites, the Site uses "session cookies" and "persistent cookie" technology. Persistent cookies are small text files that the Site places within your browser so that it can remember you when you show up again later — like cookie crumbs. None of these cookies store any of your personal information. We use persistent cookies to enhance your experience on the Site while also protecting your privacy, as well as enhancing the functionality and performance of the Site, and for analytical purposes. On the Site, temporary cookies, also called session cookies, may be placed within your browser and expire as soon as you exit the Site. Typically, session cookies are used to facilitate interactions between you and the fields in forms on the Site.

Managing cookie preferences differs from browser to browser. Please refer to your web browser for further information. If you would like to disable cookies from www.revolvefinance.com, please use the help function in your web browser to restrict cookies from the Site.

Google Analytics

We use Google Analytics, a web analytics service provided by Google, Inc. Google Analytics uses Cookies or other tracking technologies to help us analyze how users interact with the Site, compile reports on the Site’s activity, and provide other services related to Site activity and usage. The technologies used by Google may collect information such as your IP address, time of visit, whether you are a returning visitor, and any referring website. The technologies used by Google Analytics do not gather information that personally identifies you. The information generated by Google Analytics will be transmitted to and stored by Google and will be subject to Google’s privacy policies. To learn more about Google’s partner services and to learn how to opt-out of tracking of analytics by Google, click here.

We also use Google Remarketing features to collect data about visitors to our Site to, among other things, deliver advertising content on sites across the Internet in a manner that is specifically directed toward the interests expressed by the visitors while on our Site. Google uses Cookies to serve ads based on someone’s past visits to the Site. You can opt-out of Google’s use of Cookies to serve ads based on your past visits to the Site via the following link: Google Ad Settings

We partner with companies that deliver ads for financial products and services on sites that you visit on the web. In order to provide you with a more appropriate online experience, some of our ads that you may see are based on your previous online activity on our Site and other websites. Information about your online activities, combined with other information, may be used to select an ad for a product or service that better matches your interests-which is called online behavioral advertising ("OBA") or interest-based advertising.

You can opt out from receiving ads based on your online behavior by visiting the Digital Advertising Alliance (DAA) opt-out page at http://www.aboutads.info/choices/. If you elect to opt out of OBA, you will still see ads but they may not be as pertinent to you. Please keep in mind that opting out is cookie-based and will only affect the specific computer and browser on which the opt-out cookie is applied. If you delete your browser cookies, or if you use a different computer or a different browser and want to continue to be opted out of OBA, you will need to opt out again. Revolve Finance does not currently have the capability to recognize "Do Not Track" signals or mechanisms from different web browsers.

Third Party Collection

Although we do not collect personally identifiable information on consumers that visit our Site, there exists the possibility that other third parties conduct online tracking on our Site over which we do not control. Such third parties may collect Personal Information about your online activities over time and across different websites when you use our Site. We do not control these third parties, who may engage in practices that differ from those described in this Privacy Policy.

We use data collected by mobile carriers for the purpose of verifying identity and preventing fraud. We may continue to access and use this data throughout the duration of the business relationship.

When logging into a third party service (such as a social network) or a website different from our Service, please be aware that the privacy practices of those services may differ. Use of the information will be governed by their privacy policies, and you may be able to modify your privacy settings on their websites. We encourage you to read the privacy policy for each website you visit. We are not responsible for the privacy policies or practices of linked third party sites or services.

Online Tracking

We partner with companies that deliver ads for our Services on sites that you visit on the web. In order to provide you with a more appropriate online experience, some of our ads that you may see are based on your previous online activity on our Site and other websites. Information about your online activities, combined with other information, may be used to select an ad for a product or service that better matches your interests - which is called online behavioral advertising (OBA) or interest-based advertising.

You can opt out from receiving ads based on your online behavior either by visiting the Digital Advertising Alliance (DAA) opt out page at http://www.aboutads.info/choices/. If you elect to opt out of OBA, you will still see ads, but they may not be as pertinent to you. Please keep in mind that opting out is cookie-based and will only affect the specific computer and browser on which the opt-out cookie is applied. If you delete your browser cookies or if you use a different computer or a different browser and want to continue to be opted out of OBA, you will need to opt out again.

How We Respond to Do Not Track Signals

Our Site does not currently have the capability to recognize the various Do Not Track signals or mechanisms from different web browsers. For more information on Do Not Track please visit https://allaboutdnt.com

How?

How does Revolve Finance use my personal information?

Revolve Finance uses your personal information for the following reasons:

  • Provide you with our Service;
  • Process your transactions;
  • Maintain your accounts;
  • Communicate with you if there is a problem completing a transaction you requested or to discuss a problem with your account;
  • Implement collection activities as needed;
  • Maintain regular communications with you concerning transactions you initiate;
  • Maintain general communications with you about the Site and Service;
  • For marketing purposes;
  • Respond to court orders and legal investigations;
  • Provide you with customer service and support;
  • Safeguard against potential fraud;
  • Protect data from unauthorized parties and comply with legal requirements;
  • Enforce this Privacy Policy, Terms of Use, and any other agreements you have entered into with us;
  • Provide you with targeted advertising based on your activity on our sites;
  • Operate, understand, optimize, develop, or improve our sites, applications, products, services and operations;
  • Detecting security incidents, protecting against malicious, deceptive, fraudulent, or illegal activity, and prosecuting those responsible for that activity;
  • Debugging to identify and repair errors that impair existing intended functionality;
  • Investigate and prevent activities that may violate our policies;
  • For any other purpose for which you provide consent;
  • For any other legitimate business purpose.

We may deidentify and aggregate data collection through the Service and use it for any purpose.

How does Revolve Finance share my personal information?

Revolve Finance shares your Personal Information with affiliates, analytics providers, service providers, IT vendors, and law enforcement (if necessary).

All financial companies need to share customers' personal information to run their everyday business. Revolve Finance shares your personal information with service providers and IT vendors (if necessary). In the section below, we list the reasons financial companies can share their customers' personal information; the reasons Ennoble Finance, LLC (hereinafter "Revolve Finance") chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information

Does Revolve Finance share?Can you limit this sharing?
For our everyday business purposes such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureausYesNo
For our marketing purposes to offer our products and services to youYesNo
For joint marketing with other financial companiesYesNo
For our affiliates' everyday business purposes - information about your transactions and experiencesYesNo
For our affiliates' everyday business purposes - information about your creditworthinessYesYes
For our affiliates to market to youYesYes
For non-affiliates to market to youNoN/A

Affiliate Marketing: We will not share phone numbers or text message opt in consents with any of our affiliates for joint marketing purposes. In order to receive text messages from our affiliates, you will have to explicitly opt in and consent to their privacy policy directly with them.

Questions? Call 1-855-587-7858 or visit www.revolvefinance.com

Why can't I limit all sharing?

Federal law gives you the right to limit only:

  • Sharing for affiliates' everyday business purposes - information about your credit worthiness
  • Affiliates from using your information to market to you
  • Sharing for non-affiliates to market to you; we do not share with non-affiliates

State laws and individual companies may give you additional rights to limit sharing.

To limit our sharing please email us at customersupport@revolvefinance.com or call 1-855-587-7858.

What We Do

How does Ennoble protect my personal information?

To protect your personal information from unauthorized access and use, we take reasonable precautions and use security measures that comply with federal law. As examples, these measures include computer safeguards and secured files and buildings. We use encryption software to protect the security of your personal information during transmission of such information through the Site (for example, the information you provide when submitting an application for your Account). Additionally, we educate all employees about the importance of confidentiality and customer privacy.

Children's Privacy

The Services are not intended for use by children. We do not knowingly collect personal information from children under the age of 16 years. Please contact us if you believe we may have unknowingly collected information about a child under 16 years of age, and we will take immediate steps to delete any such personal information.

California Privacy Rights

If you are a California Consumer, you have certain rights with respect to the collection, use, transfer, and processing of your “Personal Information”, as defined by the California Consumer Privacy Act (CCPA). We reserves the right to limit these rights where permitted under applicable law, including where the Personal Information collected about you is subject to the Gramm Leach Bliley Act (GLBA) or the California Financial Information Privacy Act (CalFIPA), where your identity cannot be reasonably verified or to the extent your rights adversely affect the rights and freedoms of others. To exercise any of the rights below, please contact us via the contact information below. Only you or a person registered with the California Secretary of State that you authorize to act on your behalf, may make a verifiable consumer request related to your personal information.

In the preceding 12 months, we have not sold Personal Information about consumers.

In the preceding 12 months, we have not sold Personal Information about minors under the age of 16.

Individual Rights

Right to Know About Personal Information Collected, Disclosed, or Sold

California Consumers have the right to request that Revolve Finance disclose the Personal Information it collects, uses, and discloses about you to third parties. There are two types of Right to Know requests you can make:

  1. Right to Know (Abbreviated Request): If you make a Right to Know (Abbreviated Request), you will receive the following information about you:
    1. Categories of Personal Information collected in the past 12 months;
    2. Categories of sources from which Personal Information collected;
    3. Business or commercial purpose for collecting or disclosing Personal Information; and
    4. Categories of third parties with whom Personal Information has been shared.
  1. Right to Know (Specific Pieces of Information Request): If you make a Right to Know (Specific Pieces of Information Request), you will receive the following information about you:
    1. Specific pieces of Personal Information collected about you.

This information will be provided to you free of charge, unless Revolve Finance determines that your request is manifestly unfounded or excessive. You may request this information twice in a 12-month period.

Right of Deletion

You have the right to request that Revolve Finance and our service providers delete any Personal Information about yourself that Revolve Finance has collected from you upon receipt of a verifiable request. This right is subject to exceptions.

Right to Opt Out of the Sale of Information

California Consumers have the right to opt-out of the sale of Personal Information by a business that sells Personal Information. Revolve Finance does not sell any Personal Information of California Consumers.

Submitting Requests

You can submit your request by calling us at 1-855-214-3711. You may also submit a request via email at privacy@revolvefinance.com.

Personal Information Collected Pursuant to GLBA and/or CalFIPA

Much of the Personal Information collected about you by Revolve Finance is in connection with the furnishing of financial services and related transactions. Such Personal Information is collected and handled pursuant to the GLBA and/or CalFIPA and is therefore exempt from the requirements of the CCPA, including the consumer request requirements described in this section. If you have sought or received financial services and related transactions through Revolve Finance, you do not have a right to know or deletion and Revolve Finance will not fulfill such request.

Verifying Requests

Revolve Finance provides California Consumers with the ability to submit requests through our telephone number, and our email address. Revolve Finance must verify that the person requesting information or deletion is the California Consumer about whom the request relates in order to process the request. To verify a California Consumer's identity, we may request up to up to five (5) pieces of Personal Information about you when you make a request to compare against our records. We cannot respond to your request or provide you with Personal Information if we cannot verify your identity. Making a verifiable consumer request does not require you to create an account with us. We will only use Personal Information provided in your request to verify your identity. Revolve Finance reserves the right to take additional steps as necessary to verify the identity of California Consumers where we have reason to believe a request is fraudulent.

Please note that Revolve Finance does not have the ability to verify California consumers who have visited the Revolve Finance website, but have not otherwise sought or obtained financial services and related transactions through Revolve Finance. If you have only visited the Revolve Finance website, we will not be able to satisfy your consumer request.

Authorized Agent

Consumers may use an authorized agent to submit their request. The authorized agent must be registered with the California Secretary of State and be authorized to submit requests on behalf of a consumer. If the consumer chooses to use an authorized agent and provides the authorized agent with written permission to allow them to submit the consumer’s request, the authorized agent should send a copy of the signed permission by the consumer to Revolve Finance. Failure to submit proof of signed permission may result in Revolve Finance denying the consumer's request. Revolve Finance will require the consumer to verify his or her identity and the authorized agent with permission to submit the request.

Right to Equal Service

Revolve Finance will not discriminate against you because you exercised any of your rights, including, but not limited to, by:

  • Denying goods or services to you.
  • Charging different prices or rates for goods or services, including through the use of discounts or other benefits or imposing penalties.
  • Providing a different level or quality of goods or services to you.
  • Suggesting that you will receive a different price or rate for goods or services or a different level or quality of goods or services.

Other Important Information

For Alaska, Illinois, Maryland and North Dakota Customers

We will not share personal information with non-affiliates either for them to market to you or for joint marketing - without your authorization, unless required by law or regulation.

For California Customers and Residents. Please see below to understand your privacy rights.

For Massachusetts, Mississippi and New Jersey Customers

We will not share personal information from deposit or share relationships with non-affiliates either for them to market to you or for joint marketing - without your authorization, unless required by law or regulation.

For Vermont Customers

We will not share personal information with non-affiliates either for them to market to you or for joint marketing without your authorization, and we will not share personal information with affiliates about your creditworthiness without your authorization, unless required by law or regulation.

Changes

Our Privacy Policy reflects our current business practices and is subject to change without notice. We reserve the right, in our sole discretion, to modify, add, revise or delete provisions of our Privacy Policy at any time. If our practices change regarding your Personal Information, we will make reasonable efforts to provide notice to you of these changes. Your use of the Service after an update to the Privacy Policy means that you accept the new Privacy Policy. We will post the effective date of any change at the beginning of our Privacy Policy. We encourage you to visit our Site regularly so that you remain aware of how our Privacy Policy may affect you.

Contact Us

If you have any questions, you can contact us at:

Phone: 1-855-214-7311

Email: privacy@revolvefinance.com

Definitions

Affiliates

Companies related by common ownership or control. They can be financial and non-financial companies. Revolve Finance shares with our Affiliates so they can market to you.

Non-affiliates

Companies not related by common ownership or control. They can be financial and non-financial companies. Revolve Finance may share with non-affiliates so they can market to you.

Joint Marketing

A formal agreement between non-affiliated financial companies that together market financial products or services to you. Revolve Finance may enter into formal joint marketing agreements with others from time-to-time.

Meet Revolve Finance
About UsOnline BankingOverdraft Protection
Support Squad(855) 587-7858CustomerSupport@RevolveFinance.com
Download the App
App Store®Google Play

(1)Overdraft Protection is an optional service requiring accountholder activation and eligibility requirements. A fee of $15 applies to each overdraft we pay and may be imposed covering overdrafts created by recurring or one-time debit card transactions. We reserve the right to require immediate payment of each overdraft and overdraft fee. We pay overdrafts at our discretion and do not guarantee that we will always authorize and pay any type of transaction. Learn more about Overdraft Protection here.

(2)Ingo Money® is a third party service provided by First Century Bank, N.A. and Ingo Money, Inc., subject to the First Century Bank and Ingo Money Terms and Conditions and Privacy Policy. All checks are subject to approval for funding in Ingo Money’s sole discretion and unapproved checks will not be funded to your account. Fees and other limitations apply. Please review the terms and conditions of service for details.

Banking services provided by Republic Bank of Chicago, Member FDIC. The Revolve Finance Visa® Debit Card is issued by Republic Bank of Chicago pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa debit cards are accepted. You enter into the Accountholder Agreement and accept its terms when you deposit funds in your Account.

Important information for opening a card account: To help the federal government fight the funding of terrorism and money laundering activities, the USA PATRIOT Act requires all financial institutions and their third parties to obtain, verify and record information that identifies each person who opens a card account. What this means for you: When you open a card account, we will ask for your name, address, date of birth, social security number or country identification number, and other information that will allow us to identify you. We may also request a copy of your driver’s license or other documentation bearing your photo as verification of your identity.

Google Play and the Google Play logo are trademarks of Google LLC. Apple and the Apple logo are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc. Data rates may apply.

Revolve Finance may make phone calls or deliver SMS text messages to your phone number based on your account settings. To view details, please refer to the Phone Terms of Use and the SMS Terms of Use.

Revolve Finance is a financial technology company, not a bank. Banking services provided by Republic Bank of Chicago, Member FDIC.