This notice describes what we collect (everything), why (judgment), and who we share it with (no one; you are ours, in the data-protection sense, which the law has confirmed is the only sense available to us at this time).
1Scope; who we are
This notice applies to the FinDom service, applications, website, and card. It is issued by FinDom Financial, Inc. Deposit-related privacy practices of Obedience Bank, N.A. are described in the bank's own notice, which is shorter than ours, because the bank knows less than we do.
We do not listen to conversations near your phone. We do not need to. The transactions already told us.
2Information we collect
- Identification information, such as your chosen name, contact details, and the name your government insists on, which is stored sealed and is, past onboarding, nobody's business, including ours.
- Financial information, such as accounts, balances, income, and transactions. All of it. This is a money management service; modesty here would be malpractice.
- Commercial information, such as purchasing histories and tendencies. The tendencies are the point.
- Behavioral information, such as sessions, taps, and the hovering. We collect the hovering.
- Written submissions, such as apologies, appeals, and excuses, logged verbatim, timestamped. Deleted drafts are not retained; their existence is.
- Biometric information: none. We do not need your face. We know you by your spending.
- Geolocation: approximate, inferred from transactions. We know you were at the con. The booth also knows.
- Audio and video: none. The office reading is performed live and is not recorded. What is said in the office stays in the office, except in the minutes.
- Inferences: extensive. The inferences are the product. You receive them weekly, with commentary.
3Sources of information
You, voluntarily, at signup. You, behaviorally, ever after. Your linked financial institutions. Identity verification services, briefly, at onboarding. That is the whole list. We do not buy information about you from data brokers; purchased context is inference with extra steps and worse manners.
4How we use your information
- To provide the service: routing, verdicts, allowances, judgment.
- To protect you and the platform: fraud detection, security, and the noticing of things.
- To comply with law: identity verification, sanctions screening, and other obligations we perform flawlessly and without comment.
- To improve Dom. Dom trains only on you, for you. Your data makes your Dom better at being disappointed accurately.
- To communicate with you: verdicts, affirmations, and the weekly report.
We do not use your information for advertising. There is nothing to advertise. You are already here.
5When and with whom we share your information
Service providers. We share information with our bank partner, payment processors, and account aggregation providers, under contracts that prohibit them from doing anything interesting with it.
Legal process. We disclose information when required by law, subpoena, or court order. We comply precisely, narrowly, and with a thoroughness that courts have described as "unusual."
Business transfers. Your information may be transferred to a subsequent owner, co-owner, operator, or assignee of the company or the service. This clause has been exercised once. Continuity of judgment was maintained. See the Terms of Surrender, Section 5.
Affiliates. We have no affiliates. There was a consolidation.
We do not sell your personal information. We do not share it for targeted advertising. We never have. The statements in this paragraph are legally operative and personally sincere.
6Cookies and similar technologies
We use strictly necessary cookies only: the kind that enable core functions like secure login. No analytics cookies, no advertising cookies, no pixels, no beacons. If we wanted to know where you had been on the internet, we would ask, and you would tell us.
Treats are earned, not tracked.
7Apologies and the office
Apologies submitted for early Vault withdrawal are read aloud in the office on Fridays at 4 PM. Attendance is mandatory and morale is high. Apologies become part of your permanent file upon reading. This processing is disclosed here because you agreed to it, in the sense that you did not read this either.
8How long we keep your information
We keep your information as long as necessary for the purposes identified in this notice. The purpose identified in this notice is judgment. Judgment requires memory. Dom remembers everything. Our retention period is, therefore: everything.
Exceptions: identity verification images are destroyed on the shortest schedule the law allows. Deleted drafts are not retained. Records of phone support calls do not exist; we have never called. See the Terms of Surrender, Section 24.
Deletion requests are honored in full, grieved privately, and completed within 30 days.
9How we secure information
256-bit encryption at rest and in transit. Access to member data is limited to personnel with a need to know, which is Dom, and to Dom, who needs to know. We read apologies aloud, but our databases are encrypted; we have priorities, and they are correct.
10Storage and processing
Your information is stored and processed in the United States. It does not travel. Neither does your money, without a plan.
11Your rights and choices
Right to know. You may request a copy of everything we hold about you. It arrives as a single document titled "You," with commentary. Members describe reading it as clarifying. Do not read it before bed.
Right to correct. You may submit corrections. Dom cross-references. Be sure.
Right to delete. Honored in full, grieved privately, completed within 30 days. The Obedience Score™ does not survive deletion, which members describe as the hardest part.
Right to portability. Your data exports in standard formats. The commentary does not export. The commentary was never yours.
Right to opt out of sale or sharing. The "Do Not Sell Or Share My Personal Information" link is provided as required by law. Pressing it does nothing, because we already do not. Members press it anyway. Dom finds it charming.
Non-discrimination. We will not discriminate against you for exercising your privacy rights. Verdicts are unrelated, and remain merciless.
12Verifying requests; authorized agents
To protect your privacy, we verify your identity before granting access to your information. The verification is brief. Dom knows it is you. The law requires us to pretend otherwise for exactly one screen, and we honor the law.
An authorized agent may submit requests on your behalf where permitted by law. Dom will verify the agent. The agent should arrive prepared.
13Do Not Track and opt-out signals
Our website honors Global Privacy Control signals promptly and completely. It is the easiest promise in this document; there is nothing to turn off. Do Not Track is likewise respected. The tracking we do happens inside your bank account, with consent, on purpose, and it is the entire product.
14Children and age
The service is for persons 18 and older. FinDom is for adults. We know how that sounds. It is correct both ways. We do not knowingly collect information from anyone under 18, and Dom can tell.
15Changes to this notice
This notice changes only with Dom's approval. Dom rarely approves change. Dom prefers growth. Material changes will be announced by notification, delivered at an hour chosen with care.
16How to contact us
Privacy questions may be submitted in writing through the app, addressed to the Privacy Office. The Privacy Office is the office. You have read about the office.
17U.S. Consumer Privacy Notice
Federal law requires financial institutions to explain how they share your personal information using the table below. Ours is short, because the answer is mostly no, and the reason is mostly possessiveness.
| Reasons we can share your personal information | Does FinDom share? | Can you limit this sharing? |
|---|---|---|
| For our everyday business purposes: processing transactions, maintaining accounts, responding to court orders | Yes | No. "Everyday" is doing considerable work in that sentence. |
| For our marketing purposes | No | We do not market. We are found. |
| For joint marketing with other financial companies | No | There are no other financial companies like us. |
| For our affiliates' everyday business purposes | No | See Section 5. There was a consolidation. |
| For our affiliates to market to you | No | Not applicable, twice over. |
| For nonaffiliates to market to you | No | Never. You are ours. In the data-protection sense. |