Last updated: January 1, 2023
We may also ask you to create login information for your Grain Account, such as a username and password. When you provide your mobile phone number, we may ask for your consent to receive text messages relating to our Services at that number. You may withdraw your consent by contacting us as indicated below or by replying with "STOP" to any text message we send you. Please note that if you withdraw your consent to receive text messages from us, you may not be able to use some of our Services. Your mobile carrier's standard text message and data charges may apply to text messages you receive from us, and you are responsible for any fees charged by your mobile carrier if we contact you.
From time to time, Grain may contact you via email for the purpose of providing announcements, promotional offers, alerts, confirmations, surveys, and/or other general communication. In order to improve our Services, we may receive a notification when you open an email from Grain or click on a link therein. If you would like to stop receiving marketing or promotional communications via email from Grain, you may opt out of such communications. Customers may unsubscribe from emails by "replying STOP" or "clicking on the UNSUBSCRIBE button.
If you would like to stop receiving marketing or promotional communications via email from Grain, you may opt out of such communications by Customers may unsubscribe from emails by "replying STOP" or "clicking on the UNSUBSCRIBE button.
We collect Personal Information about your transactions with us and others.
We also collect Personal Information about you from other companies. For instance, we may receive Personal Information about you from a consumer reporting agency.
Information that we automatically collect in connection with your access or use of our Services may include:
Device Information: We may collect Device-specific information (such as hardware model, operating system version, unique Device identifiers, and mobile network Information, including your mobile phone number). We may associate your Device identifiers or mobile phone number with your Grain account.
Log Information: We may record or log information from your Devices, their software, and your activity accessing or using our Services. This information may include:
The cookies we use in connection with our Services include:
Session cookies: Session cookies are temporary cookies that expire and are automatically erased whenever you close your browser window. We use session cookies to grant users access to content and to enable actions they must be logged into their Grain account to perform.
Persistent cookies: Persistent cookies usually have an expiration date in the distant future and remain in your browser until they expire or you manually delete them. We use persistent cookies to better understand usage patterns so we can improve our Services. For example, we may use a persistent cookie to associate you with your Grain account or to remember your choices for our Services.
Third-party cookies: We permit certain third parties to place cookies through our Services to provide us with better insights into the use of our Services and user demographics and to advertise our Services to you. These third parties may collect information about your online activities over time and across different websites when you access or use our Services. For example, we utilize Google Analytics to analyze usage patterns for our Services. Google Analytics generates a cookie to capture information about your use of our Services, which Google uses to compile reports on website activity for us and to provide other related services. Google may use a portion of your IP address to identify its cookie, but this will not be associated with any other data held by Google. We may also permit third-party service providers to place cookies for our Services, as indicated above, to perform analytic or marketing functions where you are notified of them and you have consented to the usage. We do not control the use of such third-party cookies or the resulting information, and we are not responsible for any actions or policies of such third parties.
Do Not Track ("DNT") is an optional browser setting that allows you to express your preferences regarding tracking by advertisers and other third parties. We do not use technology that recognizes DNT signals from your web browser.
We may use your email address to respond to your inquiries and to provide you information about our Services. You may elect not to receive promotional emails from us either by "unsubscribing" to an email you receive from us or by contacting us as indicated below. If you unsubscribe from receiving emails from us, we may still send you non-promotional emails, such as emails about your Grain account or our ongoing business relations, unless you withdraw your consent to receive electronic communications as provided in our Terms of Service.
|Reasons we can share your personal information||Does Grain 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 bureaus||Yes||No|
|For our marketing purposes - to offer our products and services to you||Yes||Yes|
|For joint marketing with other financial companies||Yes||Yes|
|For non-affiliates to market to you||Yes||Yes|
|Non-affiliates||Companies not related by common ownership or control. They can be financial and nonfinancial companies.|
|Joint Marketing||A formal agreement between nonaffiliated financial companies that together market financial products or services to you.|
You must notify us of any change in your Personal Information by updating your Grain Account profile through our Services. Any changes will affect only future uses of your Personal Information.
You can ask us whether we are storing your Personal Information and you can ask to receive a copy of that Personal Information. Before sending you any Personal Information, we will ask you to provide proof of your identity. If you are not able to provide proof of your identity, we reserve the right to refuse to send you any Personal Information. We will respond as quickly as we can to your requests for details of Personal Information we hold about you.
Our Services may allow you to connect and share your actions, comments, content, and information publicly or with friends. We are not responsible for maintaining the confidentiality of any information you share publicly or with friends.
Our Services may also allow you to connect with us on, share on, and use third-party websites, applications, and services. Please be mindful of your personal privacy needs and the privacy needs of others, as you choose whom to connect with and what to share and make public. We cannot control the privacy or security of information you choose to make public or share with others. We also do not control the privacy practices of third parties. Please contact those sites and services directly if you want to learn about their privacy practices.
We have, and require our third-party service providers that receive Personal Information from us to have, a comprehensive written information security program that contains administrative, technical, and physical safeguards for our respective physical facilities and in our respective computer systems, databases, and communications networks that are reasonably designed to protect information contained within such systems from loss, misuse, or alteration. When your bank account information is transmitted via our Services, it will be protected by encryption technology, such as Secure Sockets Layer (SSL) or Transport Layer Security (TLS).
No method of electronic transmission or storage is 100% secure. Therefore, we cannot guarantee absolute security of your Personal Information. You also play a role in protecting your Personal Information. Please safeguard your username and password for your Grain account and do not share them with others. If we receive instructions using your Grain account login information, we will consider that you have authorized the instructions. You agree to notify us immediately of any unauthorized use of your Grain account or any other breach of security. We reserve the right, in our sole discretion, to refuse to provide our Services, terminate Grain accounts, and to remove or edit content.
We may store your data on servers provided by third party hosting vendors with whom we have contracted. These data centers are compliant with the following industry standards:
SOC 1 and SOC 2/SSAE 16/ISAE 3402 (Previously SAS 70 Type II)
PCI Level 1
Our Services are not directed or intended to be attractive to children under the age of 18. We do not knowingly collect Personal Information from children under the age of 18. If you are under the age of 18, do not use our Services or submit any information to us.