Privacy policy
Effective Date: May 20, 2025
InstaSwitch, Inc. ("InstaSwitch," "we," "us," or "our") respects your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website (instaswitch.co), use our services, or interact with partner-branded experiences provided by InstaSwitch.
This Privacy Policy is incorporated into our Terms of Service and governs your use of the InstaSwitch platform. If you do not agree with the terms of this Privacy Policy, please do not use the Service.
InstaSwitch is intended for use by business entities. It is not designed for personal, family, or household use.
1. Information We Collect
We collect information from and about users as follows:
Information You Provide Voluntarily: We collect your first and last name, email address, phone number, business name, bank account and routing numbers, connected platform data (such as Stripe, Gusto, Shopify), and autofill data submitted via our demo request or switching forms.
Information We Collect Automatically: We may collect your IP address, browser type and device information, pages visited and interactions (clickstream data), location information (derived from IP), and use cookies and tracking technologies (see Section 7).
Information from Third Parties: We may collect financial account data from services like Plaid, with your authorization, and updates or confirmations from third-party platforms you've connected to (such as payroll or revenue tools).
We store and process personal data in the United States. If you access the Service from outside the U.S., you understand that your data may be transferred to and maintained in a jurisdiction that may not offer the same privacy protections as your home country.
2. How We Use Your Information
We use the information we collect to provide and operate the InstaSwitch platform, automate or guide bank account switching, display deposit and payment insights, generate switching recommendations, facilitate updates to connected platforms, respond to your inquiries and provide support, improve the platform and user experience, and comply with legal obligations and protect our legal rights. InstaSwitch processes personal data on the basis of user consent, contractual necessity (to provide the Service), and legitimate interest, where applicable and permitted by law.
3. Sharing Your Information
We do not sell your personal data. We may share your data with service providers (such as cloud hosting, analytics, Plaid) who support our operations, with financial institutions or platforms you authorize for switching, with regulators or law enforcement if required by law, and in the event of a business transaction such as a merger or acquisition. Where applicable, we may act on your behalf to initiate changes or transmit data to third-party platforms (such as Stripe, Gusto, or Shopify) as part of your use of the Service. Such actions are based on your explicit authorization. All sharing is done under appropriate confidentiality and security obligations.
InstaSwitch uses service providers (including subprocessors) to perform certain business functions, such as data hosting, analytics, and financial data access. These providers are bound by contractual obligations to safeguard your information.
4. Data Retention
We retain your personal and financial data only as long as necessary to provide the Service, fulfill the purposes outlined in this Privacy Policy, comply with applicable legal and regulatory obligations, and resolve disputes and enforce our agreements. When data is no longer needed, it is securely deleted or anonymized.
If you terminate your account or stop using the Service, we may delete or anonymize your personal data in accordance with this Privacy Policy. However, we may retain certain information as required by law, to resolve disputes, enforce our agreements, or as otherwise permitted under this Privacy Policy.
5. Data Security
We use technical, administrative, and organizational measures to protect your data, including encryption at rest and in transit, role-based access control, and regular system audits and monitoring. While we take reasonable steps to protect your data, no method of transmission or storage is 100% secure. Use of the Service is at your own risk.
While we take commercially reasonable measures to protect your personal data, InstaSwitch cannot guarantee that unauthorized third parties will never be able to defeat our security measures. To the fullest extent permitted by law, InstaSwitch disclaims liability for any unauthorized access, use, or disclosure of your personal data resulting from a breach of our security safeguards, except where caused by our gross negligence or willful misconduct.
6. Your Rights and Choices
You may access or request a copy of your data, correct or update personal data, delete your data (subject to exceptions for legal compliance), and opt out of marketing emails via the "unsubscribe" link in any message. To exercise these rights, contact us at: contact@instaswitch.co
California Consumer Privacy Act (CCPA) Rights
This section applies to California residents and describes rights under the California Consumer Privacy Act (CCPA). If you are not a California resident, this section does not apply to you.
Categories of Personal Information We Collect
We collect the following categories of personal information as defined by the CCPA:
Identifiers: Name, email address, phone number, IP address
Commercial Information: Business name, transaction history, platform usage data
Financial Information: Bank account and routing numbers, connected platform data
Internet/Electronic Activity: Browser information, pages visited, clickstream data
Geolocation Data: Location information derived from IP address
Sources of Personal Information
We collect personal information from:
you directly,
automatically through your use of our Service, and
from third-party services like Plaid with your authorization.
Business Purposes for Collection
We use personal information to provide and operate our platform, automate bank account switching, display insights, generate recommendations, facilitate platform updates, respond to inquiries, improve our Service, and comply with legal obligations.
Sale of Personal Information
We do not sell personal information as defined by the CCPA.
Your CCPA Rights
California residents have the right to:
Right to Know: Request disclosure of the categories and specific pieces of personal information we collect, use, disclose, and sell
Right to Delete: Request deletion of personal information we have collected, subject to certain exceptions
Right to Opt-Out: Opt-out of the sale of personal information (though we do not sell personal information)
Right to Correct: Request correction of inaccurate personal information
Right to Limit: Direct us to limit use and disclosure of sensitive personal information
Right to Non-Discrimination: Not receive discriminatory treatment for exercising CCPA rights
Exercising Your Rights
To exercise these rights, contact us at: contact@instaswitch.co. We will verify your identity before processing requests and respond within 45 days (extendable by an additional 45 days if necessary).
Authorized Agents
You may designate an authorized agent to make requests on your behalf. We may require proof of authorization and verification of your identity.
7. Cookies and Tracking Technologies
We use cookies and similar technologies to improve website functionality, understand user behavior and preferences, and tailor communications and advertising (where applicable). You can control cookie preferences through your browser settings. You can also opt out of tracking for analytics purposes by enabling "Do Not Track" settings in your browser or using opt-out tools provided by third-party analytics platforms we may use.
8. Children’s Privacy
Our Service is not intended for children under 13. We do not knowingly collect personal data from children. If we learn that we have collected data from a child, we will delete it promptly.
9. Changes to This Privacy Policy
We may update this Privacy Policy from time to time. When we do, we will revise the "Effective Date" at the top. Material changes will be communicated via the website or email, if appropriate.
10. Contact Us
If you have any questions about this Privacy Policy or our practices, please contact:
Privacy Officer: Daniel West
InstaSwitch, Inc.
53 Boerum Place, Apt 7K
Brooklyn, NY 11201
Email: contact@instaswitch.co
Phone: (917) 861-3750
