Our Commitment To Privacy
Mesa Financial, Inc. ("Mesa") knows that you care about how your
personal information is used and shared, and we take your
privacy seriously. Our primary goal is to provide you with
exceptional service, and we understand that you may have
questions or concerns regarding your personal information and
how it will be used. To make this privacy policy easy to find,
we make it available from the home page of the Mesa website at
joinmesa.com the ("Site"). You may also email us at
support@joinmesa.com with any privacy-related questions you
have.
Applicability Of Privacy Policy
This privacy policy applies to all information we collect
through our web and mobile applications from current and former
Mesa users, including you. When you are no longer our customer,
we may continue to share your information as described in this
policy.
Throughout this policy, we use the term "personal information"
to describe information that can be associated with a specific
person and can be used to identify that person. We do not
consider personal information to include information that has
been aggregated and/or anonymized so that it does not identify a
specific user.
By using the products and services offered on the Site
(collectively, the "Services"), you agree to the practices
described in this Privacy Policy. If you do not agree to this
Privacy Policy, please do not access the Site or otherwise use
the Services.
Personal Data We Collect
Personal Data You Provide
We collect personal information when you create an account, link
your bank account(s) to the Service, or receive money through
the platform. The personal information collected during these
interactions may vary based on what you choose to share with us,
but it will generally include your name, business name, email
address, phone number, bank account information (such as
account/routing numbers and transaction data), and a log of the
transactions you authorize. We may need to collect additional
information, such as your street address, zip code, date of
birth, certain digits of your social security number, and
government-issued form of identification to fulfill our legal
obligations related to providing the Service to you. In
addition, we may collect your location information.
Personal Data We Receive Automatically from Your Use of the
Service
When you visit, use and interact with the Site or use the
Services, we may receive certain information about your visit,
use or interactions. For example, we may monitor the number of
people that visit the Site, peak hours of visits, which page(s)
are visited, the domains our visitors come from (e.g.,
google.com, yahoo.com, etc.), and which browsers people use to
access the Service (e.g., Firefox, Microsoft Internet Explorer,
etc.), broad geographical information, and navigation pattern.
In particular, the following information is created and
automatically logged in our systems:
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Log data: Information that your browser automatically sends
whenever you visit the Site ("Log data"). Log data includes
your Internet Protocol address, browser type and settings, the
date and time of your request, and how you interacted with the
Service.
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Cookies: Please see the "Cookies" section below to learn more
about how we use cookies.
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Device information: Includes name of the device, operating
system, and browser you are using. Information collected may
depend on the type of device you use and its settings.
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Usage Information: We collect information about how you use
our Service, such as the types of content that you view or
engage with, the features you use, the actions you take, and
the time, frequency and duration of your activities.
Third Party Credentials, Account Numbers and Other Account
Information
When you use certain Services, we may collect from you your
usernames, passwords, account numbers, and other account
information and use or share that information with third-party
websites and Internet banking services that are not operated or
controlled by Mesa ("Third-Party Sites") in order to provide the
Services to you. We also collect account information from you
when you open a Mesa Account and we may share that information
with our banking partner(s) and third-party providers in order
to offer the Services to you. Information you provide to us may
be used to obtain your account, transaction, and other banking
information from the relevant organization on your behalf, to
display the information to you, or to fulfill your requests for
certain products, services, or transactions through the Service.
By using our Services, you grant Mesa and each Third-Party Site
the right, power, and authority to act on your behalf to access
and transmit your information in order to provide the Services.
In addition, you agree that to the extent that your information
is in the possession of a Third-Party Site, such information is
subject to the privacy policy of that Third-Party Site.
Links To Other Websites
The Service may contain links to other websites not operated
or controlled by Mesa, including social media services. The
information that you share with those third parties will be
governed by the specific privacy policies and terms of service
of the third party sites, respectively and not by this Privacy
Policy. By providing such links we do not imply that we
endorse or have reviewed the third party sites. Please contact
such third party sites directly for information on their
privacy practices and policies.
Cookies
We use cookies to operate and administer our Site, gather
usage data on our Site and improve your experience on it. A
"cookie" is a piece of information sent to your browser by a
website you visit. Cookies can be stored on your computer for
different periods of time. Some cookies expire after a certain
amount of time, or upon logging out (session cookies), others
survive after your browser is closed until a defined
expiration date set in the cookie (as determined by the third
party placing it), and help recognize your computer when you
open your browser and browse the Internet again (persistent
cookies). For more details on cookies please visit All About
Cookies.
Analytics
We use Google Analytics, a web analytics service provided by
Google, Inc. ("Google"). Google Analytics uses cookies to
help us analyze how users use the Site and enhance your
experience when you use the Site. For more information on
how Google uses this data, go to
www.google.com/policies/privacy/partners/.
We use Mixpanel, a web analytics service provided by
Mixpanel, Inc. ("Mixpanel"). Mixpanel uses cookies to help
us analyze how users use the Site and enhance your
experience when you use the Site. For more information on
how Mixpanel uses this data, go to
https://mixpanel.com/legal/privacy-policy
Plaid
We use Plaid Inc. ("Plaid") to gather your data from
financial institutions. By using the Service, you grant Mesa
the right, power, and authority to act on your behalf to
access and transmit your personal and financial information
from your relevant financial institution. You agree to your
personal and financial information being transferred,
stored, and processed by Plaid.
Online Tracking and Do Not Track Signals
We and our third-party service providers may use cookies or
other tracking technologies to collect information about your
browsing activities over time and across different websites
following your use of the Site. Our Site currently does not
respond to "Do Not Track" ("DNT") signals and operates as
described in this Privacy Policy whether or not a DNT signal
is received. If we do respond to DNT signals in the future, we
will update this Privacy Policy to describe how we do so.
Your Choices
On most web browsers, you will find a "help" section on the
toolbar. Please refer to this section for information on how
to receive a notification when you are receiving a new cookie
and how to turn cookies off. Please see the links below for
guidance on how to modify your web browser’s settings on the
most popular browsers:
Please note that if you limit the ability of websites to set
cookies, you may be unable to access certain parts of the Site
and you may not be able to benefit from the full functionality
of the Site.
Advertising networks may collect personal information through
the use of cookies. Most advertising networks offer you a way
to opt out of targeted advertising. If you would like to find
out more information, please visit the Network Advertising
Initiative's online resources at
http://www.networkadvertising.org and follow the opt-out
instructions there.
If you access the Site on your mobile device, you may not be
able to control tracking technologies through the settings.
How We Use Personal Data
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We may use personal information for the following purposes:
- To help you access and use the Service;
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To respond to your inquiries, comments, feedback or questions;
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To send administrative information to you, for example,
information regarding the Service, and changes to our terms,
conditions, and policies;
- To analyze how you interact with our Service;
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To maintain and improve the content and functionality of the
Service (please see the "Cookies" section above to learn how
we use cookies);
- To develop new products and Services;
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To market our Services or the services of our affiliates or
business partners to you;
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To prevent fraud, criminal activity, or misuses of our
Service, and to ensure the security of our IT systems,
architecture and networks; and
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To comply with legal obligations and legal process and to
protect our rights, privacy, safety or property, and/or that
of our affiliates, you or other third parties.
Aggregated Information
We may aggregate personal information and use the aggregated
information to analyze the effectiveness of our Service, to
improve and add features to our Service, and for other similar
purposes. In addition, from time to time, we may analyze the
general behavior and characteristics of users of our Services
and share aggregated information like general user statistics
with prospective business partners. We may collect aggregated
information through features of the software that supports our
Service, through cookies, and through other means described in
this Privacy Policy.
Marketing
We may contact you to tell you about Services we believe will
be of interest to you. For instance, if you elect to provide
your email or telephone number, we may use that information to
send you special offers. You may opt out of receiving emails
by following the instructions contained in each promotional
email we send you. You can also control the marketing emails
and/or text messages you receive by updating your settings
through your account. In addition, if at any time you do not
wish to receive future marketing communications, please
contact us. If you unsubscribe from our marketing lists, you
will no longer receive marketing communications, but we will
continue to contact you regarding our Site and Services and to
respond to your requests.
Sharing And Disclosure Of Personal Data
In certain circumstances we may share your personal
information with third parties without further notice to you,
unless required by the law, as set forth below:
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To assist us in meeting business operations needs and to
perform certain Services and functions, we may share personal
information with vendors and service providers, including
providers of hosting services, cloud services and other
information technology services providers such as enterprise
artificial intelligence (AI) platforms (e.g., large language
model tools used for secure internal business support), email
communication software and email newsletter services,
advertising and marketing services, financial service
providers (including payment card processors, banks, and API
services), customer relationship management and customer
support services, and web analytics services (for more details
on the third parties that place cookies through the Site,
please see the "Cookies" section above). Pursuant to our
instructions, these parties will access, process or store
personal information in the course of performing their duties
to us, and they are contractually prohibited from using such
data for model training or any purpose other than providing
their contracted services. We take commercially reasonable
steps to ensure our service providers, including AI vendors,
adhere to the Security standards we apply to your personal
information.
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Business Transfers: If we are involved in a merger,
acquisition, financing due diligence, reorganization,
bankruptcy, receivership, sale of all or a portion of our
assets, or transition of service to another provider, your
personal information and other information may be shared in
the diligence process with counterparties and others assisting
with the transaction and transferred to a successor or
affiliate as part of that transaction along with other assets.
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Legal Requirements: If required to do so by law or in the good
faith belief that such action is necessary to (i) comply with
a legal obligation, including to meet national security or law
enforcement requirements, (ii) protect and defend our rights
or property, (iii) prevent fraud, (iv) act in urgent
circumstances to protect the personal safety of users of the
Services, or the public, or (v) protect against legal
liability.
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Affiliates: We may share personal information with our
affiliates, meaning an entity that controls, is controlled by,
or is under common control with Mesa. Our affiliates may use
the personal information we share in a manner consistent with
this Privacy Policy.
Data Retention
We keep personal information for as long as reasonably necessary
for the purposes described in this Privacy Policy, while we have
a business need to do so, or as required by law (e.g. for tax,
legal, accounting or other purposes), whichever is the longer.
Children
Our Service is not directed to children who are under the age of
13. Mesa does not knowingly collect personal information from
children under the age of 13. If you have reason to believe that
a child under the age of 13 has provided personal information to
Mesa through the Service, please contact us and we will endeavor
to delete that information from our databases.
Security
You use the Services at your own risk. We implement reasonable
technical, administrative, and organizational measures to
protect personal information both online and offline from loss,
misuse, and unauthorized access, disclosure, alteration or
destruction. However, no Internet or e-mail transmission is ever
fully secure or error free. In particular, e-mail sent to or
from us may not be secure. Therefore, you should take special
care in deciding what information you send to us via the Service
or e-mail. Please keep this in mind when disclosing any personal
information to Mesa via the Internet. In addition, we are not
responsible for circumvention of any privacy settings or
security measures contained on the Service, or third party
websites.
Your Choices
In certain circumstances providing personal information is
optional. However, if you choose not to provide personal
information that is needed to use some features of our Services,
you may be unable to use those features. You can also contact us
to ask us to update or correct your personal information.
Changes To The Privacy Policy
The Services, and our business may change from time to time. As
a result, we may change this Privacy Policy at any time. When we
do we will post an updated version on this page, unless another
type of notice is required by the applicable law. By continuing
to use our Service or providing us with personal information
after we have posted an updated Privacy Policy, or notified you
if applicable, you consent to the revised Privacy Policy and
practices described in it.
California Privacy Rights - Do Not Track Signals
Our Site currently does not respond to "Do Not Track" (DNT)
signals and operates as described in this Privacy Policy whether
or not a DNT signal is received. If we do so in the future, we
will describe how we do so in this Privacy Policy.