Updated June 20 2024

Definitions and Key Terms

To help explain things as clearly as possible in this Privacy Policy, whenever any of these terms are mentioned, they are strictly defined as:

• Cookie: a small amount of data generated by a website and stored by your web browser. It is used to identify your browser, provide analytics, remember information about you such as your language preference or login information.
• Company: when this policy mentions “Company,” “we,” or “our,” it refers to Pantera Finance, (1805 NW 97th Av), which is responsible for your information under this Privacy Policy.
• Country: where PANTERA or the owners/founders of PANTERA are based, in this case, it is the USA.
• Client: refers to the company, organization, or person who registers to use PANTERA’s Service to manage relationships with its consumers or service users.
• Device: any internet-connected device such as a phone, tablet, computer, or any other device that can be used to visit PANTERA and use the services.
• IP Address: every device connected to the internet is assigned a number known as an Internet Protocol (IP) address. These numbers are generally assigned in geographic blocks. An IP address can often be used to identify the location from which a device is connecting to the internet.
• Personnel: refers to individuals who are employed by PANTERA or are under contract to perform a service on behalf of one of the parties.
• Personal Data: any information that directly, indirectly, or in connection with other information — including a personal identification — allows for the identification or identifiability of a natural person.
• Service: refers to the service provided by PANTERA as described in the relevant terms (if available) and on this platform.
• Third-Party Service: refers to advertisers, contest sponsors, promotional and marketing partners, and others who provide our content or whose products or services we believe may interest you.
• Application: the PANTERA application refers to the SOFTWARE PRODUCT mentioned above.
• You: a person or entity that is registered with PANTERA to use the Services.

Information Collected Automatically

Certain information, such as your Internet Protocol (IP) address and/or browser and device characteristics, is automatically collected when you visit our platform. This information can be used to connect your computer to the internet. Other information collected automatically may include login information, email address, password, computer and connection information such as browser plugin types and versions, time zone settings, operating systems and platforms, purchase history (sometimes aggregated with similar information from other users), the full Uniform Resource Locator (URL) clickstream to, through, and from our application, which may include date and time; cookie number; parts of the site you viewed or searched for; and the phone number you used to call our Customer Service. We may also use browser data like cookies, Flash cookies (also known as Flash Local Shared Objects), or similar data in certain parts of our application for fraud prevention and other purposes. During your visits, we may use software tools such as JavaScript to measure and collect session information, including page response times, download errors, length of visits to certain pages, page interaction information (such as scrolling, clicks, and mouse-overs), and methods used to navigate away from the page. We may also collect technical information to help us identify your device for fraud prevention and diagnostic purposes.

We automatically collect certain information when you visit, use, or browse the platform. This information does not reveal your specific identity (such as your name or contact information) but may include device and usage information, such as your IP address, browser and device characteristics, operating system, language preferences, referring URLs, device name, country, location, information about who and when uses our platform, and other technical information. This information is primarily needed to maintain the security and operation of our platform, and for our internal analytics and reporting purposes.

Personal

If you are an employee or applicant of PANTERA, we collect the information you voluntarily provide to us. We use the information collected for Human Resources purposes in order to manage employee benefits and evaluate applicants.

You can contact us to (1) update or correct your information, (2) change your preferences regarding communications and other information you receive from us, or (3) receive a record of the information we have related to you. Such updates, corrections, changes, and deletions will not affect other information we maintain or information we have provided to third parties in accordance with this Privacy Policy prior to such update, correction, change, or deletion.

Sale of Business

We reserve the right to transfer information to a third party in the event of a sale, merger, or other transfer of all or substantially all of the assets of PANTERA or any of its Corporate Affiliates (as defined herein), or the part of PANTERA or any of its Corporate Affiliates to which the Service relates, or in the event that we cease operations or file, or have filed against us, a petition for bankruptcy, reorganization, or similar proceeding, provided that the third party agrees to adhere to the terms of this Privacy Policy.

Affiliates

We may disclose information (including personal information) about you to our Corporate Affiliates. For the purposes of this Privacy Policy, “Corporate Affiliate” means any person or entity that directly or indirectly controls, is controlled by, or is under common control with PANTERA, whether by ownership or other means. Any information related to you that we provide to our Corporate Affiliates will be treated by those Corporate Affiliates in accordance with the terms of this Privacy Policy.

Governing Law

This Privacy Policy is governed by the laws of the USA without regard to its conflict of law provisions. You agree to the exclusive jurisdiction of the courts in relation to any action or dispute arising between the parties under or in connection with this Privacy Policy, except for those individuals who may have the right to bring claims under the Privacy Shield or the Swiss-U.S. framework.

The laws of the USA, excluding its conflict of law rules, will govern this Agreement and your use of the application. Your use of the application may also be subject to other local, state, national, or international laws.

By using PANTERA or contacting us directly, you agree to this Privacy Policy. If you do not agree with this Privacy Policy, you should not interact with our application or use our services. Continued use of the application, direct interaction with us, or following the posting of changes to this Privacy Policy that do not significantly affect the use or disclosure of your personal information will signify that you accept those changes.

Your Consent

We have updated our Privacy Policy to provide you with full transparency about what is set when you visit our site and how it is being used. By using our PANTERA, registering an account, or making a purchase, you consent to our Privacy Policy and agree to its terms.

Links to Other Websites

This Privacy Policy applies only to the Services. The Services may contain links to other websites that are not operated or controlled by PANTERA. We are not responsible for the content, accuracy, or opinions expressed on such websites, and such websites are not investigated, monitored, or verified for accuracy or completeness by us. Please remember that when you use a link to go from the Services to another website, our Privacy Policy no longer applies. Your browsing and interaction on any other website, including those that have a link on our platform, are subject to the rules and policies of that website. Such third parties may use their own cookies or other methods to collect information about you.

Cookies

PANTERA uses “Cookies” to identify the areas of our application that you have visited. A Cookie is a small piece of data stored on your computer or mobile device by your web browser. We use Cookies to improve the performance and functionality of our application, but they are not essential for its use. However, without these cookies, certain features such as videos may not be available, or you would need to enter your login details each time you visit the application, as we would not be able to remember that you had previously logged in. Most web browsers can be configured to disable the use of Cookies. However, if you disable Cookies, you may not be able to access functionality in our application correctly or at all. We never place Personally Identifiable Information in Cookies.

Blocking and Disabling Cookies and Similar Technologies

Wherever you are, you can also configure your browser to block cookies and similar technologies, but this action may block our essential cookies and prevent our application from functioning correctly, and you may not be able to fully use all its features and services. You should also be aware that you may lose some saved information (e.g., saved login details, site preferences) if you block cookies in your browser. Different browsers provide different controls. Disabling a cookie or a category of cookies does not remove the cookie from your browser; you will need to do this yourself from your browser. Please visit your browser’s help menu for more information.

Payment Details

Regarding any credit card or other payment processing details you have provided to us, we are committed to storing this confidential information in the most secure manner possible.

Children’s Privacy

We collect information from children under the age of 13 only to improve our services. If you are a parent or guardian and are aware that your child has provided us with Personal Data without your permission, please contact us. If we become aware that we have collected Personal Data from anyone under the age of 13 without verifying parental consent, we will take steps to remove that information from our servers.

Changes to Our Privacy Policy

We may change our Service and our policies, and we may need to make changes to this Privacy Policy to accurately reflect our Service and our policies. Unless required by law, we will notify you (e.g., through our Service) before making changes to this Privacy Policy and will give you the opportunity to review them before they take effect. Therefore, if you continue to use the Service, you will be subject to the updated Privacy Policy. If you do not wish to accept this or any updated Privacy Policy, you may delete your account.

Third-Party Services

We may display, include, or make available content from third parties (including data, information, applications, and other products and services) or provide links to third-party websites or services (“Third-Party Services”).

You acknowledge and agree that PANTERA will not be responsible for any Third-Party Service, including its accuracy, completeness, timeliness, validity, copyright compliance, legality, decency, quality, or any other aspect of it. PANTERA assumes no responsibility or liability to you or any other person or entity for any Third-Party Service.

Third-Party Services and links to them are provided solely as a convenience to you, and you access and use them at your own risk and subject to the terms and conditions of such third parties.

Tracking Technologies

Google Maps API

Google Maps API is a robust tool that can be used to create a custom map, a searchable map, location-based features, display live data synchronized with location, plan routes, or create a data mashup, just to name a few.

Google Maps API may collect information from you and your device for security reasons.

Google Maps API collects information that is maintained in accordance with its Privacy Policy.

Cookies

We use Cookies to improve the performance and functionality of our platform, but they are not essential for its use. However, without these cookies, certain functionalities such as videos may not be available, or you would need to enter your login details each time you visit the platform, as we would not be able to remember that you had previously logged in.

Information about the General Data Protection Regulation (GDPR)

We may be collecting and using your information if you are from the European Economic Area (EEA), and in this section of our Privacy Policy, we will explain exactly how and why this data is collected, and how we protect this data to ensure it is not replicated or misused.

What is GDPR?

GDPR is a EU privacy and data protection law that regulates how data of EU residents is protected by companies and enhances the control EU residents have over their personal data.

GDPR is relevant to any company operating globally, not just for companies and residents of the EU. The data of our customers is important regardless of their location, so we have implemented GDPR controls as our baseline standard for all our operations worldwide.

What is personal data?

Any data that relates to an identified or identifiable person. GDPR covers a wide range of information that could be used alone or in combination with other pieces of information to identify a person. Personal data extends beyond a person’s name or email address. Some examples include financial information, political opinions, genetic data, biometric data, IP addresses, physical addresses, sexual orientation, and ethnicity.

The Data Protection Principles include requirements such as:

• Personal data collected must be processed in a fair, lawful, and transparent manner and should only be used in ways that a reasonable person would expect.
• Personal data should only be collected for a specific purpose and should only be used for that purpose. Organizations must specify why they need personal data when they collect it.
• Personal data should not be kept for longer than necessary to fulfill its purpose.
• Individuals covered by GDPR have the right to access their own personal data. They can also request a copy of their data, and have their data updated, deleted, restricted, or transferred to another organization.

Why is GDPR important?

GDPR adds new requirements on how companies must protect the personal data of individuals they collect and process. It also increases compliance consequences by enhancing enforcement and imposing larger fines for violations. Beyond these facts, it is simply the right thing to do. At PANTERA, we firmly believe that the privacy of your data is very important, and we already have strong security and privacy practices in place that go beyond the requirements of this new regulation.

Rights of Individual Data Subjects – Access, Portability, and Deletion of Data

We are committed to helping our clients comply with the GDPR data subject rights requirements. PANTERA processes or stores all personal data with fully vetted and DPA-compliant providers. We store all conversations and personal data for up to 6 years, unless your account is deleted. In that case, we delete all data in accordance with our Terms of Service and Privacy Policy, but we will not retain it for more than 60 days.

We are aware that if you are working with clients in the EU, you need to be able to provide them with the ability to access, update, retrieve, and delete personal data. We’ve got you covered! We have set everything up as self-service from the start and always provide access to your data and your clients’ data. Our customer support team is here to answer any questions you may have about working with the API.

California Residents

The California Consumer Privacy Act (CCPA) requires us to disclose the categories of Personal Information we collect and how we use it, the categories of sources from which we collect Personal Information, and the third parties with whom we share it, which we have explained above.

We are also required to communicate information about the rights that California residents have under California law. You can exercise the following rights:

• Right to Know and Access: You may submit a verifiable request for information regarding: (1) categories of Personal Information that we collect, use, or share; (2) purposes for which categories of Personal Information are collected or used by us; (3) categories of sources from which we collect Personal Information; and (4) specific pieces of Personal Information that we have collected about you.
• Right to Equal Service: We will not discriminate against you for exercising your privacy rights.
• Right to Delete: You may submit a verifiable request to close your account, and we will delete the Personal Information about you that we have collected.
• Right to Request that a Business Not Sell Personal Data: You have the right to request that a business that sells personal data of a consumer not sell the consumer’s personal data.

If you make a request, we have one month to respond to you. If you wish to exercise any of these rights, please contact us.

We do not sell the Personal Information of our users.

For more information about these rights, please contact us.

California Online Privacy Protection Act (CalOPPA)

CalOPPA requires us to disclose the categories of Personal Information we collect and how we use it, the categories of sources from which we collect Personal Information, and the third parties with whom we share it, which we have explained above.

CalOPPA users have the following rights:

• Right to Know and Access: You may submit a verifiable request for information regarding: (1) categories of Personal Information that we collect, use, or share; (2) purposes for which categories of Personal Information are collected or used by us; (3) categories of sources from which we collect Personal Information; and (4) specific pieces of Personal Information that we have collected about you.
• Right to Equal Service: We will not discriminate against you for exercising your privacy rights.
• Right to Delete: You may submit a verifiable request to close your account, and we will delete the Personal Information about you that we have collected.
• Right to Request that a Business Not Sell Personal Data: You have the right to request that a business that sells personal data of a consumer not sell the consumer’s personal data.

If you make a request, we have one month to respond to you. If you wish to exercise any of these rights, please contact us.

We do not sell the Personal Information of our users.

For more information about these rights, please contact us.