Important Privacy Information

WHAT DOES CYBRID DO WITH YOUR PERSONAL INFORMATION?

LAST UPDATED August 13, 2026

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Why?	Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.
What?	The types of personal information we collect and share depend on the product or service you have with us. This information can include your Social Security number and government-issued identification; account balances and transaction history; payment history and bank account information; and contact and identity-verification information. When you are no longer our customer, we continue to share your information as described in this notice.
How?	All financial companies need to share customers’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers’ personal information; the reasons Cybrid chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information	Does Cybrid 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	No	No
For joint marketing with other financial companies	No	We don’t share
For our affiliates’ everyday business purposes — information about your transactions and experiences	Yes	No
For our affiliates’ everyday business purposes — information about your creditworthiness	No	We don’t share
For our affiliates to market to you	No	We don’t share
For nonaffiliates to market to you	No	We don’t share

Because we do not share your personal information in any of the ways that you can limit, there is no opt-out for you to exercise.

Questions?	Email us at support@cybrid.xyz

Who we are

Who is providing this notice?	This notice is provided by Cybrid Inc. (together with its affiliates, "Cybrid") on behalf of regulated financial-institution partners that offer various Cybrid services. Cybrid is not a bank or licensed money transmitter.

What we do

How does Cybrid protect my personal information?	To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These include computer safeguards and secured files and buildings, and we limit access to your information to those who need it to provide services to you.
How does Cybrid collect my personal information?	We collect your personal information, for example, when you open an account or apply for our services, provide account or bank information, conduct or instruct transactions, or verify your identity. We also collect your personal information from others, including our service-provider and financial-institution partners.
Why can’t I limit all sharing?	Federal law gives you the right to limit only: sharing for affiliates’ everyday business purposes — information about your creditworthiness; affiliates from using your information to market to you; and sharing for nonaffiliates to market to you. State laws and individual companies may give you additional rights to limit sharing. Because we do not share your information for any of these reasons, there is nothing for you to limit.

Definitions

Affiliates	Companies related by common ownership or control. They can be financial and nonfinancial companies. Cybrid Technology Inc., a Canadian federal corporation that is our corporate parent company, is an important affiliate that you should know about. Cybrid’s affiliates include the other Cybrid entities under common ownership.
Nonaffiliates	Companies not related by common ownership or control. They can be financial and nonfinancial companies. Cybrid does not share with nonaffiliates so they can market to you.
Joint marketing	A formal agreement between nonaffiliated financial companies that together market financial products or services to you. Cybrid does not jointly market.

Other important information

Some products and services are provided by our regulated financial-institution partners, which may maintain their own privacy notices governing the information they collect and share. We will make those notices available to you if they deviate from this notice. California and certain other state residents may have additional privacy rights, which are described in our Privacy Policy at https://cybrid.xyz/legal/privacy-policy-usa.