Terms and conditions

Last Updated: August 18, 2023

Online Privacy Policy

Highline Technologies Inc., d/b/a Highline (“we”, “us,” “our,” or the “Company”) is dedicated to protecting your personal information and informing you about how we use it. This online privacy policy (the "Privacy Policy" or the "Policy") is intended to provide information to our visitors and users ("you" or "your") about how we collect, protect, disclose, and use your information when you use the Highline website www.highline.co, including any subdomain thereof (the “Website”) and/or products and services offered, operated, or made available by, or through, the Company (the Website and products and services of Highline are collectively referred to as the "Services". Reference to the Services includes any portion of the Services). This Policy also applies to Personal Information collected in the context of our business relationships. Any capitalized term that is not defined in this Privacy Policy shall have the meaning given to it in the Terms of Use. This Privacy Policy outlines how and when Highline collects, protects, discloses, and uses information that can identify you individually ("Personal Information"), such as your name, email, telephone number, or Social Security Number. Personal Information does not include information that is anonymous, aggregated, or can no longer be used to identify you as an individual. Additional privacy rights and notices apply if you are a California resident. See the section below called Your California Privacy Rights for more information about your rights under California law.

Your use of our Services may include, but is not limited to, your requests for financial products or services provided by third parties, such as our sponsor banks, including Blue Ridge Bank. Information you provide through our Services to Blue Ridge Bank, or to us when we are acting as a service provider of Blue Ridge Bank, will also be governed by the Blue Ridge Bank Privacy Notice.

This Privacy Policy covers the privacy practices of Highline only. This Privacy Policy does not apply to the practices of third-party websites, services, or applications, including Blue Ridge Bank or other third parties with which we contract. These third-party services are governed by each such third party's privacy policy. Highline is not responsible for the privacy policies and practices of websites other than that of Highline, and Highline is not responsible for the failure of unaffiliated third parties to honor their privacy obligations.

We may amend this Privacy Policy at any time by posting a revised version on our Website. The revised version will be effective at the time we post it as designated by the Last Updated date above.

Acceptance of Privacy Policy

By using the Services, you signify your acceptance of this Privacy Policy. If you do not agree to the terms of this Privacy Policy, please do not use the Services. Your continued use of the Services following the posting of changes to these terms will mean that you accept those changes.

If you breach or violate the rules, restrictions, limitations, terms, and/or conditions that apply to the Website or in connection with the Services, or as otherwise communicated to you, Highline may terminate, discontinue, suspend, and/or restrict your ability to access, visit, and/or use the Website and the Services, with or without notice. Highline may further restrict or refuse to provide you with any future access and/or use of the Services. Finally, Highline reserves the right to take any technical, legal, and/or other actions that it deems necessary and/or appropriate, with or without notice.

What Information We Collect About You

Information We Collect When You Use the Website

We collect certain Personal Information from and about visitors to, and users of, our Website, including:

• Information by which you may be personally identified, such as your name, Social Security number, phone number, and other contact details;
• Information about your Internet or other electronic network activity information, including, but not limited to, internet connection, the equipment and devices you use to access our Website, the dates and times you use the Website, and other Website usage;
• Payment information you provide; and
• Any other information you may provide to us voluntarily through your use of our Services.

Information You Provide To Us

The Personal Information we collect on or through our Website includes:

• Information you choose to provide to us when you use the Website to request or obtain our Services or otherwise interact with us, which may include your name, residential address, email address, date of birth, phone number, and income information;
• Information we may request from you if you enter a contest or promotion we sponsor or when you report a problem with our Website;
• Records and copies of your correspondence with us, if you contact us;
• Commercial information, including records of products or services purchased, obtained, or considered, or other purchasing or consuming histories or tendencies; and
• Details of transactions and search queries you may carry out through the Website.

Information We Collect About You From Others

We collect certain Personal Information from linked payroll companies and financial services providers. This Personal Information includes:

• Information by which you may be personally identified, such as your name, Social Security number, phone number, and other contact details;
• Financial information like institution name, account number, current balance, and transaction history;
• Employment information like company name, your job title, and the date you started working at the employer; and
• Income information like base pay, pay cycle, and last pay date.

We may also collect inferences about you that may be drawn from any of the information identified in this section to create a profile about you reflecting your preferences, characteristics, psychological trends, predispositions, behavior, attitudes, intelligence, abilities, and aptitudes.

How We Collect Information About You

We collect Personal Information:

• Directly from you when you provide it to us through the Website;
• Automatically as you navigate the Website, including IP addresses, and information collected through cookies and other tracking technologies; and
• From third parties, for example, financial institutions with whom we contract to provide financial services and other non-financial institution service providers, and which may include advertising networks, internet service providers, data analytics providers, operating systems and platforms, social networks, and data brokers.

How We Use Information

In general, Highline uses information we collect through the Website to:

• Provide products and services you request;
• Improve our offerings to you, including to develop new products and services;
• Communicate with you or provide notices in connection with such products and services;
• Process and respond to customer inquiries and provide support;
• Detect security incidents and prevent fraud and illegal activities;
• Fulfill our legal requirements and enforce our agreements;
• Improve Website content, functionality, and usability;
• Communicate with you, either directly or through our service providers, including for marketing and promotional purposes;
• Improve our marketing and promotional activities;
• For our other legitimate business purposes permitted by law; and
• For any other purpose with your consent.

The Personal Information collected in connection with a financial product or service provided in partnership with sponsor banks, such as Blue Ridge Bank, may be used (as applicable) to:

• Generate your customer profile or process your account and payments;
• Enable automatic payments and fund transfers with other financial institutions; and
• Communicate with you concerning your transactions.

Information We Disclose

We may disclose aggregated information about our users, and information that does not identify any individual, without restrictions. Unless otherwise stated, we may disclose Personal Information that we collect or you provide as described in this Privacy Policy:

• To our affiliates;
• To our sponsor banks, such as Blue Ridge Bank, when you request to use our Services;
• To our service providers, contractors, and other third parties who support our business operations;
• To fulfill the purpose for which you provide any Personal Information;
• For any other purpose we disclose when you provide any Personal Information; and
• With your consent.

We may also disclose Personal Information:

• To law enforcement, government officials, or other third parties when (1) we are compelled to do so by a subpoena, court order or similar legal procedure, (2) we reasonably believe that we need to do so to comply with law, or (3) if we believe in good faith that the disclosure of your personal information is necessary to prevent physical harm or financial loss or to report suspected illegal activity;
• To enforce or apply the terms of this Privacy Policy and other agreements between you and us, including for billing and collection purposes; and
• If we believe disclosure is necessary or appropriate to protect the rights, property, or safety of Highline, our service providers, our customers, or others.

Highline will not sell, share, or rent any of your Personal Information to third parties and only discloses your Personal Information with third parties as described above.

How We Protect Information

No method of transmission over the Internet or electronic storage is 100% secure; however, we care about the security of your information and take reasonable measures designed to protect your Personal Information from unauthorized access and use by maintaining physical, electronic and procedural safeguards in compliance with applicable law. These measures include computer safeguards and secured files and buildings.

You are responsible for maintaining the secrecy of your unique password and account information, and for controlling access to your email communications from us at all times. However, we cannot ensure or warrant the security of any information you transmit to us or guarantee that information may not be accessed, disclosed, altered, or destroyed. By using our Website and/or Services, you agree to assume all risk in connection with the information sent to us or collected by us when you access, visit, and/or use the Service. This includes, without limitation, any Personal Information that you provided to Highline. Highline and Blue Ridge Bank are not responsible for any loss of such information or the consequences thereof.

In the event that any information under our control is compromised as a result of a breach of security, we will take reasonable steps to investigate the situation and where appropriate, notify those individuals whose information may have been compromised and take other steps, in accordance with any applicable laws and regulations.

Third Party Websites

This Privacy Policy only applies to our Website. Our Services may contain links to other websites, apps, or online services not operated or controlled by Highline (“Third Party Sites”). The policies and procedures described here do not apply to Third Party Sites. By providing links to Third Party Sites or services, we do not imply that we endorse or have reviewed such websites or services. We suggest that you contact those sites directly for information about their data practices and policies and we encourage you to read their privacy policies before providing any information to them.

Do Not Track Signals

Our Website 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.

Children’s Privacy

This Website is not intended for children or minors under the age of 18 years. We do not knowingly collect Personal Information from, or market to, children under the age of 13 years. If we become aware that a child under the age of 13 years has provided us with Personal Information, we will take steps to comply with applicable legal requirements to remove such information.

Your California Privacy Rights

This section provides additional details about the Personal Information we collect about California consumers and the rights afforded to them under the California Consumer Privacy Act (“CCPA”). Personal Information does not include publicly available information from government records or deidentified or aggregated consumer information. Personal Information governed by the federal Gramm-Leach-Bliley Act (GLBA), the federal Fair Credit Reporting Act (FCRA), the California Financial Information Privacy Act (CalFIPA), the Driver’s Privacy Protection Act (DPPA), and other applicable laws may be subject to exemptions from certain CCPA requirements.

In the last 12 months, we may have collected the following categories of Personal Information: identifiers (such as name and contact information), demographic information (such as age and gender), commercial information (such as products purchased), internet or other electronic network activity information (such as browsing behavior), geolocation data, audio, electronic, visual or similar information (such as customer support calls), inferences we make (such as preferred activities), and sensitive personal information (such as Social Security number). We may have collected such Personal Information directly from you, from our interactions with you, or from third parties, including employers, payroll processors, billers, service providers, and others relevant to providing you the Services.

We may use or disclose the Personal Information we collect for one or more of the following business purposes:

• To fulfill or meet the reason you provided the information. For example, if you share your name and contact information to request a price quote or ask a question about our products or services, we will use that personal information to respond to your inquiry. If you provide your Personal Information to purchase a product or service, we will use that information to process your payment and facilitate delivery. We may also save your information to facilitate new orders or process transactions.
• To provide, support, personalize, and develop our Website, products, and services.
• To create, maintain, customize, and secure your account with us.
• To process your requests, purchases, transactions, and payments and prevent transactional fraud.
• To provide you with support and to respond to your inquiries, including to investigate and address your concerns and monitor and improve our responses.
• To personalize your Website experience and to deliver content and product and service offerings relevant to your interests, including targeted offers and ads through our Website and via email or text message (with your consent, where required by law).
• To help maintain the safety, security, and integrity of our Website, products and services, databases and other technology assets, and business.
• For testing, research, analysis, and product development, including to develop and improve our Website, products, and services.
• To respond to law enforcement requests and as required by applicable law, court order, or governmental regulations.
• As described to you when collecting your personal information or as otherwise set forth in the CCPA.
• To evaluate or conduct a merger, divestiture, restructuring, reorganization, dissolution, or other sale or transfer of some or all of our assets, whether as a going concern or as part of bankruptcy, liquidation, or similar proceeding, in which personal information held by us about our Website users and consumers are among the assets transferred.

We will not collect additional categories of personal information or use the Personal Information we collected for materially different, unrelated, or incompatible purposes without providing you notice.

Highline only uses or discloses sensitive personal information for these purposes permitted under applicable law and such use or disclosure is reasonably necessary and proportionate for those purposes.

We may disclose any of the above described categories of Personal Information for any of the above business purposes with third parties, including employers, payroll processors, billers, service providers, and others relevant to providing you the Services.

Subject to certain exemptions, the CCPA provides California consumers the following rights:

Right to Know and Data Portability

You have the right to request that we disclose certain information to you about our collection and use of your Personal Information (the “right to know”). Once we receive your request and confirm your identity (see Exercising Your Rights), we will provide you with required information.

Right to Delete

You have the right to request that we delete any of your Personal Information that we collected from you and retained, subject to certain exceptions (the “right to delete”). Once we receive your request and confirm your identity (see Exercising Your Rights), we will review your request to see if an exception allowing us to retain the information applies. We may deny your deletion request as allowed by law.

We will delete or deidentify Personal Information when required by law and will direct our service providers to take similar action.

Right to Correct

You have the right to request that we correct Personal Information that we collected from you and retained, subject to certain exceptions (the “right to correct”). Once we receive your request and confirm your identity (see Exercising Your Rights), we will review your request to see if an exception applies. We may deny your correction request as allowed by law.

We will correct Personal Information when required by law and will direct our service providers to take similar action.

Exercising Your Rights

To exercise your rights to know, delete, or correct as described above, please submit a request by either:

We cannot respond to your request or provide you with Personal Information if we cannot verify your identity or authority to make the request and confirm the Personal Information relates to you. You may be required to provide additional information necessary to confirm your identity such as your account number and government identification or, if you are an authorized agent, to confirm your authorization to make such a request.

You do not need to create an account with us to submit a request.

We will only use Personal Information provided in the request to verify the requestor’s identity or authority to make it.

Response Timing and Format

We will confirm receipt of your request within ten (10) business days. If you do not receive confirmation within the 10-day timeframe, please contact us using the contact information included in the section above called Exercising Your Rights.

We endeavor to substantively respond to a verifiable consumer request within forty-five (45) days of its receipt. If we require more time (up to another 45 days), we will inform you of the reason and extension period in writing.

If you have an account with us, we will deliver our written response to that account or to the email you provided to us”. If you do not have an account with us, we will deliver our written response by mail or electronically, at your option.

Any disclosures we provide will only cover the 12-month period preceding our receipt of your request. The response we provide will also explain the reasons we cannot comply with a request, if applicable. For data portability requests, we will select a format to provide your Personal Information that is readily useable and should allow you to transmit the information from one entity to another entity without hindrance.

We do not charge a fee to process or respond to your verifiable consumer request unless it is excessive, repetitive, or manifestly unfounded. If we determine that the request warrants a fee, we will tell you why we made that decision and provide you with a cost estimate before completing your request.

Non-Discrimination

We will not discriminate or retaliate against you for exercising any of your CCPA rights. Unless permitted by the CCPA, we will not:

• Deny you goods or services.
• Charge you different prices or rates for goods or services, including through granting discounts or other benefits, or imposing penalties.
• Provide you a different level or quality of goods or services.
• Suggest that you may receive a different price or rate for goods or services or a different level or quality of goods or services.

We do not sell the Personal Information we collect.

California consumers may make a rights request by contacting us as described above under Exercising Your Rights.

For Nevada Residents

Nevada residents have the right to opt out of the sale of certain pieces of their information. We do not sell “personal information” of Nevada residents, but, if you are a Nevada resident who has questions or who wants to make this type of request, please send your email to [email protected]. For more on this Nevada law, contact Bureau of Consumer Protection, Office of the Nevada Attorney General, 555 E. Washington St., Suite 3900, Las Vegas, NV 89101; Phone number: 1- 702-486-3132; e-mail: [email protected].

Retention of Your Information

We retain your Personal Information for the period necessary to fulfill the purposes outlined in this Privacy Policy, unless a longer retention period is required or permitted by law. Please note that in many situations we must retain all, or a portion, of your Personal Information to comply with our legal obligations, resolve disputes, enforce our agreements, to protect against fraudulent, deceptive, or illegal activity, or for another one of our business purposes.

Changes to this Privacy Policy

Highline may revise this Privacy Policy from time to time without prior notice to you, and any changes will be effective immediately upon the posting of the revised Privacy Policy on the Website. You should bookmark and periodically review this page to ensure that you are familiar with the most current version of this Privacy Policy. You can determine when this Privacy Policy was last revised by checking the "Last Updated" legend at the top of the Privacy Policy.

Questions about this Privacy Policy

If you have any questions or concerns about this Privacy Policy, you can contact us at:

The following privacy notice applies if you request or receive a financial product or service from Highline. Click here for Blue Ridge Bank’s Privacy Notice.

Highline Technologies Inc. Financial Privacy Notice