Last updated
June 19,
2024
This privacy notice for
Title Labs Inc.
Karta
)
(
-
Visit our website
at http://www.conkarta.com , or any website of ours that links to this privacy notice
-
Download and use
our mobile application ( Karta ) , or any other application of ours that links to this privacy notice
-
Engage with us in other related ways,
including any sales, marketing, or events
Questions or concerns? Reading
this privacy notice will help you understand your privacy rights and choices. If
you do not agree with our policies and practices, please do not use our
Services.
freddy@conkarta.com
.
Financial institutions. Karta uses Plaid Inc. (“Plaid”) to gather your data from financial institutions. By using the Service, you grant Karta 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. Karta also uses financial institutions to process your ACH funds transfers from your funding source bank account to Karta for use of the Service.
SUMMARY OF KEY POINTS
This summary provides key points from our
privacy notice, but you can find out more details about any of these
topics by clicking the link following each key point or by using our
table of
contents below to find the
section you are looking for.
What
personal information do we process? When you visit, use, or navigate
our Services, we may process personal information depending on how you interact with us
and the Services, the choices you make, and the products and features you use. Learn
more about personal information you disclose to
us.
Do we
process any sensitive personal information?
Do we
collect any information from third parties?
How do
we process your information? We process your information to provide,
improve, and administer our Services, communicate with you, for security and fraud
prevention, and to comply with law. We may also process your information for other
purposes with your consent. We process your information only when we have a valid legal
reason to do so. Learn more about how we process your
information.
In
what situations and with which
How do
we keep your information safe? We have
organizational
What
are your rights? Depending on where you are located geographically, the
applicable privacy law may mean you have certain rights regarding your personal
information. Learn more about your privacy rights.
How do
you exercise your rights? The easiest way to exercise your rights is by
submitting a
data subject access request
Want to learn
more about what we do with any information we collect? Review the privacy notice in
full.
TABLE OF
CONTENTS
1. WHAT
INFORMATION DO WE
COLLECT?
Personal information you
disclose to us
In
Short:
We collect personal
information that you provide to
us.
We
collect personal information that you voluntarily provide to us when you
Personal Information Provided by
You. The personal information that we collect depends on the
context of your interactions with us and the Services, the choices you make, and
the products and features you use. The personal information we collect may
include the following:
-
names
-
phone numbers
-
email addresses
-
mailing addresses
-
job titles
-
usernames
-
passwords
-
contact preferences
-
contact or authentication data
-
billing addresses
Sensitive Information.
-
financial data
-
social security numbers or other government identifiers
Application Data. If you use our
application(s), we also may collect the following information if you choose to provide
us with access or permission:
- Geolocation Information. We may request access
or permission to track location-based information from your mobile device,
either continuously or while you are using our mobile application(s), to provide
certain location-based services. If you wish to change our access or
permissions, you may do so in your device's settings.
- Push
Notifications. We may request to send you push
notifications regarding your account or certain features of the
application(s). If you wish to opt out from receiving these
types of communications, you may turn them off in your device's
settings.
This information is primarily needed to
maintain the security and operation of our application(s), for
troubleshooting, and for our internal analytics and reporting
purposes.
All personal information that you
provide to us must be true, complete, and accurate, and you must
notify us of any changes to such personal
information.
2.
HOW DO WE PROCESS YOUR
INFORMATION?
In
Short:
We
process your information
to provide, improve, and
administer our Services,
communicate with you,
for security and fraud
prevention, and to
comply with law. We may
also process your
information for other
purposes with your
consent.
We process your personal
information for a variety of reasons, depending on how
you interact with our Services, including:
-
To facilitate
account creation and authentication and
otherwise manage user accounts. We may
process your information so you can create and log in to
your account, as well as keep your account in working
order.
-
To deliver and
facilitate delivery of services to the user.
We may process your information to provide you
with the requested service.
-
To
send administrative
information to you.
We may process your
information to send you details
about our products and services,
changes to our terms and
policies, and other similar
information.
-
To
send you
marketing
and
promotional
communications.
We may
process the
personal
information you
send to us for
our marketing
purposes, if
this is in
accordance with
your marketing
preferences. You
can opt out of
our marketing
emails at any
time. For more
information, see
-
To
protect
our
Services.
We
may
process
your
information
as
part
of
our
efforts
to
keep
our
Services
safe
and
secure,
including
fraud
monitoring
and
prevention.
-
To
comply
with
our
legal
obligations.
We
may
process
your
information
to
comply
with
our
legal
obligations,
respond
to
legal
requests,
and
exercise,
establish,
or
defend
our
legal
rights.
3.
WHAT
LEGAL
BASES
DO
WE
RELY
ON
TO
PROCESS
YOUR
INFORMATION?
In
Short:
We
only
process
your
personal
information
when
we
believe
it
is
necessary
and
we
have
a
valid
legal
reason
(i.e.
,
legal
basis)
to
do
so
under
applicable
law,
like
with
your
consent,
to
comply
with
laws,
to
provide
you
with
services
to
enter
into
or
fulfill
our
contractual
obligations,
to
protect
your
rights,
or
to
fulfill
our
legitimate
business
interests.
We
may
process
your
information
if
you
have
given
us
specific
permission
(i.e.
,
express
consent)
to
use
your
personal
information
for
a
specific
purpose,
or
in
situations
where
your
permission
can
be
inferred
(i.e.
,
implied
consent).
You
can
withdraw
your
consent
at
any
time.
In
some
exceptional
cases,
we
may
be
legally
permitted
under
applicable
law
to
process
your
information
without
your
consent,
including,
for
example:
- If collection is clearly in the interests of an individual and consent cannot be obtained in a timely way
-
For
investigations
and
fraud
detection
and
prevention
-
For
business
transactions
provided
certain
conditions
are
met
-
If
it
is
contained
in
a
witness
statement
and
the
collection
is
necessary
to
assess,
process,
or
settle
an
insurance
claim
-
For
identifying
injured,
ill,
or
deceased
persons
and
communicating
with
next
of
kin
-
If
we
have
reasonable
grounds
to
believe
an
individual
has
been,
is,
or
may
be
victim
of
financial
abuse
-
If
it
is
reasonable
to
expect
collection
and
use
with
consent
would
compromise
the
availability
or
the
accuracy
of
the
information
and
the
collection
is
reasonable
for
purposes
related
to
investigating
a
breach
of
an
agreement
or
a
contravention
of
the
laws
of
Canada
or
a
province
-
If
disclosure
is
required
to
comply
with
a
subpoena,
warrant,
court
order,
or
rules
of
the
court
relating
to
the
production
of
records
-
If
it
was
produced
by
an
individual
in
the
course
of
their
employment,
business,
or
profession
and
the
collection
is
consistent
with
the
purposes
for
which
the
information
was
produced
-
If
the
collection
is
solely
for
journalistic,
artistic,
or
literary
purposes
-
If
the
information
is
publicly
available
and
is
specified
by
the
regulations
In
Short:
We
may
share
information
in
specific
situations
described
in
this
section
and/or
with
the
following
third
parties.
We
may
need
to
share
your
personal
information
in
the
following
situations:
- Business Transfers. We may share or transfer your information in connection with, or during negotiations of, any merger, sale of company assets, financing, or acquisition of all or a portion of our business to another company.
-
When
we
use
Google
Maps
Platform
APIs.
We
may
share
your
information
with
certain
Google
Maps
Platform
APIs
(e.g.
-
Business
Partners.
We
may
share
your
information
with
our
business
partners
to
offer
you
certain
products,
services,
or
promotions.
-
Offer
Wall.
Our
application(s)
may
display
a
third-party
hosted
In
Short:
We
may
use
cookies
and
other
tracking
technologies
to
collect
and
store
your
information.
We
may
use
cookies
and
similar
tracking
technologies
(like
web
beacons
and
pixels)
to
gather
information
when
you
interact
with
our
Services.
Some
online
tracking
technologies
help
us
maintain
the
security
of
our
Services
and
your
account
,
prevent
crashes,
fix
bugs,
save
your
preferences,
and
assist
with
basic
site
functions.
We
also
permit
third
parties
and
service
providers
to
use
online
tracking
technologies
on
our
Services
for
analytics
and
advertising,
including
to
help
manage
and
display
advertisements,
to
tailor
advertisements
to
your
interests,
or
to
send
abandoned
shopping
cart
reminders
(depending
on
your
communication
preferences).
The
third
parties
and
service
providers
use
their
technology
to
provide
advertising
about
products
and
services
tailored
to
your
interests
which
may
appear
either
on
our
Services
or
on
other
websites.
Specific
information
about
how
we
use
such
technologies
and
how
you
can
refuse
certain
cookies
is
set
out
in
our
Cookie
Notice
.
6.
HOW
LONG
DO
WE
KEEP
YOUR
INFORMATION?
In
Short:
We
keep
your
information
for
as
long
as
necessary
to
fulfill
the
purposes
outlined
in
this
privacy
notice
unless
otherwise
required
by
law.
We
will
only
keep
your
personal
information
for
as
long
as
it
is
necessary
for
the
purposes
set
out
in
this
privacy
notice,
unless
a
longer
retention
period
is
required
or
permitted
by
law
(such
as
tax,
accounting,
or
other
legal
requirements).
No
purpose
in
this
notice
will
require
us
keeping
your
personal
information
for
longer
than
the
period
of
time
in
which
users
have
an
account
with
us
.
When
we
have
no
ongoing
legitimate
business
need
to
process
your
personal
information,
we
will
either
delete
or
anonymize
such
information,
or,
if
this
is
not
possible
(for
example,
because
your
personal
information
has
been
stored
in
backup
archives),
then
we
will
securely
store
your
personal
information
and
isolate
it
from
any
further
processing
until
deletion
is
possible.
7.
HOW
DO
WE
KEEP
YOUR
INFORMATION
SAFE?
In
Short:
We
aim
to
protect
your
personal
information
through
a
system
of
organizational
and
technical
security
measures.
We
have
implemented
appropriate
and
reasonable
technical
and
organizational
security
measures
designed
to
protect
the
security
of
any
personal
information
we
process.
However,
despite
our
safeguards
and
efforts
to
secure
your
information,
no
electronic
transmission
over
the
Internet
or
information
storage
technology
can
be
guaranteed
to
be
100%
secure,
so
we
cannot
promise
or
guarantee
that
hackers,
cybercriminals,
or
other
unauthorized
third
parties
will
not
be
able
to
defeat
our
security
and
improperly
collect,
access,
steal,
or
modify
your
information.
Although
we
will
do
our
best
to
protect
your
personal
information,
transmission
of
personal
information
to
and
from
our
Services
is
at
your
own
risk.
You
should
only
access
the
Services
within
a
secure
environment.
8.
DO
WE
COLLECT
INFORMATION
FROM
MINORS?
In
Short:
We
do
not
knowingly
collect
data
from
or
market
to
children
under
18
years
of
age
.
We
do
not
knowingly
collect,
solicit
data
from,
or
market
to
children
under
18
years
of
age,
nor
do
we
knowingly
sell
such
personal
information.
By
using
the
Services,
you
represent
that
you
are
at
least
18
or
that
you
are
the
parent
or
guardian
of
such
a
minor
and
consent
to
such
minor
dependent’s
use
of
the
Services.
If
we
learn
that
personal
information
from
users
less
than
18
years
of
age
has
been
collected,
we
will
deactivate
the
account
and
take
reasonable
measures
to
promptly
delete
such
data
from
our
records.
If
you
become
aware
of
any
data
we
may
have
collected
from
children
under
age
18,
please
contact
us
at
freddy@conkarta.com
.
9.
WHAT
ARE
YOUR
PRIVACY
RIGHTS?
In
Short:
In
some
regions,
such
as
Canada
,
you
have
rights
that
allow
you
greater
access
to
and
control
over
your
personal
information.
You
may
review,
change,
or
terminate
your
account
at
any
time,
depending
on
your
country,
province,
or
state
of
residence.
In
some
regions
(like
Canada
),
you
have
certain
rights
under
applicable
data
protection
laws.
These
may
include
the
right
(i)
to
request
access
and
obtain
a
copy
of
your
personal
information,
(ii)
to
request
rectification
or
erasure;
(iii)
to
restrict
the
processing
of
your
personal
information;
(iv)
if
applicable,
to
data
portability;
and
(v)
not
to
be
subject
to
automated
decision-making.
In
certain
circumstances,
you
may
also
have
the
right
to
object
to
the
processing
of
your
personal
information.
You
can
make
such
a
request
by
contacting
us
by
using
the
contact
details
provided
in
the
section
"
HOW
CAN
YOU
CONTACT
US
ABOUT
THIS
NOTICE?
"
below.
We
will
consider
and
act
upon
any
request
in
accordance
with
applicable
data
protection
laws.
Withdrawing
your
consent:
If
we
are
relying
on
your
consent
to
process
your
personal
information,
which
may
be
express
and/or
implied
consent
depending
on
the
applicable
law,
you
have
the
right
to
withdraw
your
consent
at
any
time.
You
can
withdraw
your
consent
at
any
time
by
contacting
us
by
using
the
contact
details
provided
in
the
section
"
HOW
CAN
YOU
CONTACT
US
ABOUT
THIS
NOTICE?
"
below
.
However,
please
note
that
this
will
not
affect
the
lawfulness
of
the
processing
before
its
withdrawal
nor,
when
applicable
law
allows,
will
it
affect
the
processing
of
your
personal
information
conducted
in
reliance
on
lawful
processing
grounds
other
than
consent.
Opting
out
of
marketing
and
promotional
communications:
You
can
unsubscribe
from
our
marketing
and
promotional
communications
at
any
time
by
clicking
on
the
unsubscribe
link
in
the
emails
that
we
send,
replying
"STOP"
or
"UNSUBSCRIBE"
to
the
SMS
messages
that
we
send,
or
by
contacting
us
using
the
details
provided
in
the
section
"
HOW
CAN
YOU
CONTACT
US
ABOUT
THIS
NOTICE?
"
below.
You
will
then
be
removed
from
the
marketing
lists.
However,
we
may
still
communicate
with
you
—
for
example,
to
send
you
service-related
messages
that
are
necessary
for
the
administration
and
use
of
your
account,
to
respond
to
service
requests,
or
for
other
non-marketing
purposes.
Account
Information
If
you
would
at
any
time
like
to
review
or
change
the
information
in
your
account
or
terminate
your
account,
you
can:
-
Log in to your account settings and update your user account.
Upon
your
request
to
terminate
your
account,
we
will
deactivate
or
delete
your
account
and
information
from
our
active
databases.
However,
we
may
retain
some
information
in
our
files
to
prevent
fraud,
troubleshoot
problems,
assist
with
any
investigations,
enforce
our
legal
terms
and/or
comply
with
applicable
legal
requirements.
Cookies
and
similar
technologies:
Most
Web
browsers
are
set
to
accept
cookies
by
default.
If
you
prefer,
you
can
usually
choose
to
set
your
browser
to
remove
cookies
and
to
reject
cookies.
If
you
choose
to
remove
cookies
or
reject
cookies,
this
could
affect
certain
features
or
services
of
our
Services.
If
you
have
questions
or
comments
about
your
privacy
rights,
you
may
email
us
at
freddy@conkarta.com
.
10.
CONTROLS
FOR
DO-NOT-TRACK
FEATURES
Most
web
browsers
and
some
mobile
operating
systems
and
mobile
applications
include
a
Do-Not-Track
(
"DNT"
)
feature
or
setting
you
can
activate
to
signal
your
privacy
preference
not
to
have
data
about
your
online
browsing
activities
monitored
and
collected.
At
this
stage,
no
uniform
technology
standard
for
recognizing
and
implementing
DNT
signals
has
been
finalized
.
As
such,
we
do
not
currently
respond
to
DNT
browser
signals
or
any
other
mechanism
that
automatically
communicates
your
choice
not
to
be
tracked
online.
If
a
standard
for
online
tracking
is
adopted
that
we
must
follow
in
the
future,
we
will
inform
you
about
that
practice
in
a
revised
version
of
this
privacy
notice.
11.
DO
WE
MAKE
UPDATES
TO
THIS
NOTICE?
In
Short:
Yes,
we
will
update
this
notice
as
necessary
to
stay
compliant
with
relevant
laws.
We
may
update
this
privacy
notice
from
time
to
time.
The
updated
version
will
be
indicated
by
an
updated
"Revised"
date
at
the
top
of
this
privacy
notice.
If
we
make
material
changes
to
this
privacy
notice,
we
may
notify
you
either
by
prominently
posting
a
notice
of
such
changes
or
by
directly
sending
you
a
notification.
We
encourage
you
to
review
this
privacy
notice
frequently
to
be
informed
of
how
we
are
protecting
your
information.
12.
HOW
CAN
YOU
CONTACT
US
ABOUT
THIS
NOTICE?
If
you
have
questions
or
comments
about
this
notice,
you
may
email
us
at
freddy@conkarta.com
or
contact
us
by
post
at:
13.
HOW
CAN
YOU
REVIEW,
UPDATE,
OR
DELETE
THE
DATA
WE
COLLECT
FROM
YOU?