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class="c14 doc-content"><div><p class="c3 c6"><span class="c5 c15"></span></p></div><p class="c3"><span class="c5 c16">Privacy Policy</span></p><p class="c3"><span class="c2">Effective December 20, 2022</span></p><p class="c3 c6"><span class="c2"></span></p><p class="c3"><span class="c7">Eco, Inc. (together with its affiliates and subsidiaries, “</span><span class="c0">Eco</span><span class="c7">”, “</span><span class="c0">we</span><span class="c7">”, “</span><span class="c0">us</span><span class="c7">” and “</span><span class="c0">our</span><span class="c7">”) respects and protects the privacy of visitors to our website and our customers. This Privacy Policy describes the type of information that we collect from you - as well as our practices for using, protecting, and disclosing that information. This Privacy Policy covers all of your interactions with Eco, whether through </span><span class="c9 c7 c11"><a class="c8" href="https://www.google.com/url?q=http://www.eco.com&sa=D&source=editors&ust=1671581580751638&usg=AOvVaw1Oa8zb3W8zUHn_2xESm3qs">www.eco.com</a></span><span class="c7"> or any other websites, pages, or content we own or operate (collectively, the “</span><span class="c0">Site(s)</span><span class="c7">”, your use of the Eco mobile application, our communications with you, or any other products or services provided to you by Eco (collectively, the “</span><span class="c0">Services</span><span class="c2">”). </span></p><p class="c3 c6"><span class="c2"></span></p><p class="c3"><span class="c5 c0">Please read this Privacy Policy carefully before using the Site or accessing any of the Services.</span></p><p class="c3 c6"><span class="c2"></span></p><p class="c3"><span class="c2">We may supplement this Privacy Policy with the following:</span></p><p class="c3 c6"><span class="c2"></span></p><ul class="c4 lst-kix_kcdwp6sln2bo-0 start"><li class="c1 li-bullet-0"><span class="c0">Our Sharing of Information Disclosure.</span><span class="c7"> Our </span><span class="c9 c7 c11"><a class="c8" href="https://www.google.com/url?q=https://eco.github.io/app_terms/eco_sharing_of_information_disclosure.pdf&sa=D&source=editors&ust=1671581580753498&usg=AOvVaw1KCdidLIsUSfsefRhA0K0C">Sharing of Information Disclosure</a></span><span class="c2"> describes further how we collect, use, and disclose certain of your information. Our Sharing of Information Disclosure is updated annually.</span></li></ul><p class="c3 c6 c10"><span class="c2"></span></p><ul class="c4 lst-kix_kcdwp6sln2bo-0"><li class="c1 li-bullet-0"><span class="c0">Specific Terms Agreed to by You.</span><span class="c2"> If you qualify to participate in one or more Eco products or services, we may ask you to enter into one or more supplemental agreements with us. In that event, the terms contained in those agreements will supplement the below provisions relating to the collection, use, sharing, and securing of your information.</span></li></ul><p class="c3 c6 c10"><span class="c2"></span></p><ul class="c4 lst-kix_kcdwp6sln2bo-0"><li class="c1 li-bullet-0"><span class="c0">Other Supplemental Notices. </span><span class="c2">Additionally, we may supplement this Privacy Policy with other supplemental notices posted on specific web pages within the Site or within the Eco mobile application. These supplemental notices describe in more detail the information we collect via particular pages or services on the Site.</span></li></ul><p class="c3 c6 c10"><span class="c2"></span></p><ul class="c4 lst-kix_kcdwp6sln2bo-0"><li class="c1 li-bullet-0"><span class="c0">Partner Privacy Policies.</span><span class="c2"> Some of the Services that Eco provides are offered in partnership with third parties. As part of accessing those Services you may be required to agree to additional terms and conditions directly with such third parties which supplement how Eco and those third parties share information in order to offer such Services.</span></li></ul><p class="c3 c6 c10"><span class="c2"></span></p><p class="c3"><span class="c0">ACCEPTANCE OF THIS PRIVACY POLICY</span></p><p class="c3 c6"><span class="c2"></span></p><p class="c3"><span class="c2">By accessing any of our Services, you are agreeing to the terms of this Privacy Policy. If you do not agree with the terms of this Privacy Policy, you should discontinue your use of the Site or any Services.</span></p><p class="c3 c6"><span class="c2"></span></p><p class="c3"><span class="c0">AMENDMENTS TO THIS PRIVACY POLICY; CHANGES TO YOUR INFORMATION</span></p><p class="c3 c6"><span class="c2"></span></p><p class="c3"><span class="c2">We may change this Privacy Policy or any supplemental notices or policies at any time to reflect changes in our practices. Such changes will not be effective until the revised Privacy Policy or other materials are posted on the Site. If we make a significant change, we will also notify you via e-mail or other electronic communication.</span></p><p class="c3 c6"><span class="c2"></span></p><p class="c3"><span class="c2">It is important to keep any information that you provide to us up to date. If any information that you have submitted to us in connection with your use of the Services changes, it is your duty to update such information or notify us of the change.</span></p><p class="c3 c6"><span class="c2"></span></p><p class="c3"><span class="c0 c5">INFORMATION WE COLLECT</span></p><p class="c3 c6"><span class="c5 c0"></span></p><p class="c3"><span class="c2">Eco collects information that identifies you as well as other types of information about your activities on the Site and while using the Services. We describe each of these categories of information, and how we collect each of these categories, in more detail below.</span></p><p class="c3 c6"><span class="c2"></span></p><ul class="c4 lst-kix_mo1kii2orclp-0 start"><li class="c1 li-bullet-0"><span class="c0">Information You Provide Us.</span><span class="c2"> We collect information that you provide us, including things like: </span></li></ul><ul class="c4 lst-kix_mo1kii2orclp-1 start"><li class="c3 c12 c13 li-bullet-0"><span class="c9 c7">Personal Information</span><span class="c7">.</span><span class="c2"> This includes things like your name, phone number, email address, physical address.</span></li><li class="c3 c12 c13 li-bullet-0"><span class="c9 c7">Identity Verification Information</span><span class="c7">.</span><span class="c2"> In order to verify your identity we may require you to provide us with certain government issued identification such as a driver’s license or passport.</span></li><li class="c3 c12 c13 li-bullet-0"><span class="c9 c7">Security Information</span><span class="c7">.</span><span class="c2"> To keep your information and account secure, we will require information such as your username and password.</span></li><li class="c3 c12 c13 li-bullet-0"><span class="c9 c7">Financial Information</span><span class="c2">. To facilitate deposits, withdrawals and other transactions, you may be required to provide us with your bank account information, payment card information and related details.</span></li><li class="c3 c12 c13 li-bullet-0"><span class="c9 c7">Other</span><span class="c2">: From time to time you may provide us with other information about you as part of customer support correspondence, feedback surveys, and other interactions between you and Eco.</span></li></ul><p class="c3 c6 c12"><span class="c2"></span></p><ul class="c4 lst-kix_mo1kii2orclp-0"><li class="c1 li-bullet-0"><span class="c0">Information Collected Automatically</span><span class="c2">. Certain other information will be collected automatically while you are using the Site or the Services, including things like:</span></li></ul><ul class="c4 lst-kix_mo1kii2orclp-1 start"><li class="c3 c12 c13 li-bullet-0"><span class="c7 c9">Browser-Based Information</span><span class="c2">. We use “cookies”, “pixel tags,” “web beacons,” and other technologies to collect information about your use of the Site. We use this information to improve the quality of our Services, to keep our Site secure, and to make your experience on the Site more meaningful and intuitive (for example, by remembering your preferences or providing you with a localized experience).</span></li><li class="c3 c12 c13 li-bullet-0"><span class="c9 c7">Online & Device Identifiers</span><span class="c2">. This includes things like which device, operating system and browser you are using, IP address, location data, and device event information like Site crashes and the date and time of actions taken on the Site.</span></li></ul><p class="c3 c6"><span class="c2"></span></p><p class="c3"><span class="c0">HOW WE USE YOUR INFORMATION</span></p><p class="c3 c6"><span class="c2"></span></p><p class="c3"><span class="c2">We collect and process your information for a number of reasons, including:</span></p><p class="c3 c6"><span class="c2"></span></p><ul class="c4 lst-kix_fg2nnq68cto7-0 start"><li class="c1 li-bullet-0"><span class="c0">To provide you with the Services</span><span class="c2">. We cannot provide the Services to you without collecting certain personal and financial information. For example, in order for you to complete certain transactions between your bank account and your Eco mobile application, we need to gather information related to your bank and that transaction.</span></li></ul><p class="c3 c6 c10"><span class="c2"></span></p><ul class="c4 lst-kix_fg2nnq68cto7-0"><li class="c1 li-bullet-0"><span class="c0">To comply with legal requirements.</span><span class="c2"> Eco is subject to various legal and regulatory compliance obligations that require us to verify your identity in connection with providing the Services.</span></li></ul><p class="c3 c6 c10"><span class="c2"></span></p><ul class="c4 lst-kix_fg2nnq68cto7-0"><li class="c1 li-bullet-0"><span class="c0">To keep your account secure</span><span class="c2">. In order to make sure that only you can access your account and to prevent fraudulent transactions, we need to verify your identity and your security credentials during log-in and in connection with completing certain transactions.</span></li></ul><p class="c3 c6 c10"><span class="c2"></span></p><ul class="c4 lst-kix_fg2nnq68cto7-0"><li class="c1 li-bullet-0"><span class="c0">To provide you with customer support.</span><span class="c2"> In order to communicate with you and troubleshoot any potential issues or answer any questions you might have, we need to be able to access certain information you provide to us or that we collect through your use of the Site and the Services.</span></li></ul><p class="c3 c6 c10"><span class="c2"></span></p><ul class="c4 lst-kix_fg2nnq68cto7-0"><li class="c1 li-bullet-0"><span class="c0">To improve Eco.</span><span class="c2"> In order to improve the Services we provide we need to know what is working (and what isn’t) so that we can combine that feedback and information with that of other customers to make changes.</span></li></ul><p class="c3 c6"><span class="c2"></span></p><p class="c3"><span class="c0">HOW WE SHARE YOUR INFORMATION</span></p><p class="c3 c6"><span class="c2"></span></p><p class="c3"><span class="c2">Eco will never sell your personal information to a third party without your permission. We only share your information with third parties where we have a legitimate need to do so in order to provide you with the Services. We will only share your information for the following purposes:</span></p><p class="c3 c6"><span class="c2"></span></p><ul class="c4 lst-kix_e8dmippsiw1f-0 start"><li class="c1 li-bullet-0"><span class="c0">Identity & Payment Processors</span><span class="c7">. We work with third parties to verify your identity and to process transactions within your Eco account. For example, you may use Plaid, Inc. (“</span><span class="c0">Plaid</span><span class="c7">”) to connect your Eco account to your bank account, verify your bank account, and confirm balance details. Any information that is shared with Plaid is treated in accordance with this Privacy Policy as well as Plaid’s Privacy Policy, available at </span><span class="c9 c7 c11"><a class="c8" href="https://www.google.com/url?q=https://plaid.com/privacy&sa=D&source=editors&ust=1671581580763734&usg=AOvVaw1cgqf_RUb1cKbAWB2NR-Yn">https://plaid.com/privacy</a></span><span class="c2">.</span></li></ul><p class="c3 c6 c10"><span class="c2"></span></p><ul class="c4 lst-kix_e8dmippsiw1f-0"><li class="c1 li-bullet-0"><span class="c0">Custody Partners.</span><span class="c2"> Eco partners with third parties to provide secure custody of your account balance. In addition to you directly agreeing to any terms and conditions from such partners, Eco may need to share certain account information with such third parties to verify and process transactions within your account.</span></li></ul><p class="c3 c6 c10"><span class="c2"></span></p><ul class="c4 lst-kix_e8dmippsiw1f-0"><li class="c1 li-bullet-0"><span class="c0">Service Providers.</span><span class="c2"> We contract with certain trusted third party consultants and vendors as part of our business operations. Our agreements with these third parties require them to only use your information in connection with the Services and to protect your information. These include third parties such as cloud storage providers, information technology firms, customer support software providers, and marketing partners.</span></li></ul><p class="c3 c6 c10"><span class="c2"></span></p><ul class="c4 lst-kix_e8dmippsiw1f-0"><li class="c1 li-bullet-0"><span class="c0">Platform Users. </span><span class="c2">Your email address, phone number, and/or username for the Eco Platform (as defined in the User Agreement) may be used by other Users to search for you in order to do a Send Transfer (as defined in the User Agreement). </span></li></ul><p class="c3 c6 c10"><span class="c2"></span></p><ul class="c4 lst-kix_e8dmippsiw1f-0"><li class="c1 li-bullet-0"><span class="c0">Professional Advisors</span><span class="c2">. We may need to share your information with legal, accounting, compliance, insurance and other professional advisors in connection with complying with our legal obligations and business requirements.</span></li></ul><p class="c3 c6 c10"><span class="c2"></span></p><ul class="c4 lst-kix_e8dmippsiw1f-0"><li class="c1 li-bullet-0"><span class="c0">Potential </span><span class="c0">Acquirors</span><span class="c2">. In connection with, or in anticipation of, any sale, merger, financing or acquisition of Eco, we may need to share information as part of such process.</span></li></ul><p class="c3 c6 c10"><span class="c2"></span></p><ul class="c4 lst-kix_e8dmippsiw1f-0"><li class="c1 li-bullet-0"><span class="c0">Legal Processes.</span><span class="c2"> In connection with a valid legal request, to prevent fraud, and to protect our legal interests we may be required to share your information.</span></li></ul><p class="c3 c6 c10"><span class="c2"></span></p><ul class="c4 lst-kix_e8dmippsiw1f-0"><li class="c1 li-bullet-0"><span class="c0">Other</span><span class="c2">. We may otherwise share your information if you give us permission or instruction to do so.</span></li></ul><p class="c3 c6"><span class="c2"></span></p><p class="c3"><span class="c0">HOW WE PROTECT YOUR INFORMATION</span></p><p class="c3 c6"><span class="c2"></span></p><p class="c3"><span class="c2">Eco has implemented measures intended to secure your information from accidental loss and from unauthorized access, use, alteration, and disclosure. You also play an important role in maintaining the safety and security of your information. Where we have given you access credentials, such as a username and password, you are responsible for keeping these credentials confidential. Unfortunately, the transmission of information via the Internet is not completely secure, and no company, including Eco, can fully eliminate security risks. Although we have implemented measures to protect your information, we cannot guarantee the security of your information transmitted to or from us, including via email, or the security of any links accessible from our Site.</span></p><p class="c3 c6"><span class="c2"></span></p><p class="c3"><span class="c0">HOW YOU CAN OPT OUT OF CERTAIN PRACTICES</span></p><p class="c3 c6"><span class="c2"></span></p><p class="c3"><span class="c7">In addition to the circumstances described above, from time to time, we may request your permission to allow us to share your Personal Information with third parties. You may opt out of having your Personal Information shared with third parties, under certain circumstances, or from allowing us to use your Personal Information for a purpose that is incompatible with the purposes for which we originally collected it, or subsequently obtained your authorization, by reaching out to </span><span class="c9 c7 c11"><a class="c8" href="mailto:[email protected]">[email protected]</a></span><span class="c7"> or by mail as provided for in the Sharing of Information Disclosure. If you choose to limit the use of your Personal Information, certain features or services may not be available to you.</span></p><p class="c3 c6"><span class="c5 c0"></span></p><p class="c3"><span class="c0">THIRD PARTY SITES</span></p><p class="c3"><span class="c7">This Site may, from time to time, contain links to websites owned and operated by third parties (“</span><span class="c0">Third-Party Sites</span><span class="c2">”). We encourage you to review the privacy policies of such Third-Party Sites so that you understand how those websites collect, use, and share your information. We are not responsible for the privacy notices, practices, or other content on Third-Party Sites.</span></p><p class="c3 c6"><span class="c2"></span></p><p class="c3"><span class="c5 c0">NON-U.S. SITE VISITORS</span></p><p class="c3 c6"><span class="c2"></span></p><p class="c3"><span class="c7">This Site is intended for use by residents of the United States of America only. You should be aware that the United States and other countries have not harmonized their privacy regulations. This Privacy Policy is intended to comply with United States requirements. By using the Site, you agree to the level of privacy protection set out in our Privacy Notice.</span></p><p class="c3 c6"><span class="c5 c0"></span></p><p class="c3"><span class="c5 c0">CHILDREN’S INFORMATION</span></p><p class="c3 c6"><span class="c5 c0"></span></p><p class="c3"><span class="c2">Eco does not knowingly collect personal information from any person under the age of 18.</span></p><p class="c3 c6"><span class="c2"></span></p><p class="c3"><span class="c0">ACCESS TO YOUR INFORMATION</span></p><p class="c3 c6"><span class="c2"></span></p><p class="c3"><span class="c7">You can update, modify, or delete personal information you’ve provided to us by emailing Eco at [email protected]. We may retain certain information as required by law or for necessary business purposes.</span></p><p class="c3 c6"><span class="c2"></span></p><p class="c3"><span class="c2">California Civil Code Section 1798.83 permits Site users who are California residents to request and obtain from us a list of what Personal Information (if any) we disclosed to third parties for direct marketing purposes in the preceding calendar year and the names and addresses of those third parties. Requests may be made only once a year and are free of charge.</span></p><p class="c3 c6"><span class="c2"></span></p><p class="c3"><span class="c5 c0">CONTACT US</span></p><p class="c3 c6"><span class="c5 c0"></span></p><p class="c3"><span class="c2">If you have any questions or concerns, please do not hesitate to contact us.</span></p><p class="c3 c6"><span class="c2"></span></p><p class="c3"><span class="c2">Eco, Inc.</span></p><p class="c3"><span class="c2">2261 Market Street, #4348</span></p><p class="c3"><span class="c2">San Francisco, CA 94114</span></p><p class="c3"><span class="c2">Attn: Legal Department</span></p><p class="c3"><span class="c9 c7 c11"><a class="c8" href="mailto:[email protected]">[email protected]</a></span></p><p class="c3 c6"><span class="c2"></span></p></body></html>