Barrow (“we,” “our,” or “us”) values your privacy. This Privacy Policy explains how we collect, use, store, and share your personal information when you use our peer-to-peer lending platform (the “Platform”).

By using Barrow, you agree to the terms of this Privacy Policy. If you do not agree, please do not use our Platform.

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1. Information We Collect

We collect information you provide directly to us, including:

• Account Information: Name, email address, phone number, mailing address, date of birth.

• Identity Verification Information: Government-issued ID, Social Security Number, or similar identifiers (processed securely via our payment partner, Stripe).

• Payment Information: Bank account details, credit or debit card details (processed by Stripe; we do not store full payment card numbers).

• Transaction Information: Details of transactions between lenders and borrowers on the Platform.

• Communications: Any messages you send us through email, support chat, or phone.

We also collect certain information automatically:

• Device and browser type

• IP address

• Usage data (pages viewed, actions taken, date/time of activity)

 

2. How We Use Your Information

We use your information to:

• Create and manage your account

• Facilitate lending and borrowing transactions

• Verify your identity and prevent fraud

• Process payments and payouts via Stripe

• Provide customer support

• Improve and personalize our Platform

• Comply with legal obligations

 

3. Payment Processing & Identity Verification

We use Stripe to process payments and verify user identities.

• Stripe may collect and process your payment information and identity documents in accordance with their Privacy Policy.

• Barrow does not store your full payment card details.

• We may receive confirmation of your identity verification from Stripe, but not your raw identity documents.

 

4. How We Share Your Information

We do not sell your personal information.
We may share information with:

• Service Providers: Such as Stripe, cloud hosting services, and email providers.

• Legal Authorities: When required by law or in response to legal requests.

• Business Transfers: In the event of a merger, acquisition, or asset sale.

 

5. Data Security

We implement appropriate technical and organizational measures to protect your personal information, including encryption, secure data storage, and restricted access. However, no method of transmission over the Internet is 100% secure.

 

6. Your Choices

• You may update or correct your account information at any time through your account settings.

• You may request deletion of your account by contacting us at [Insert Support Email], though some information may be retained for legal compliance.

 

7. Children’s Privacy

Our Platform is not intended for individuals under 18. We do not knowingly collect information from minors.

 

8. Changes to This Policy

We may update this Privacy Policy from time to time. The “Effective Date” will be updated accordingly.

 

9. Contact Us

If you have questions about this Privacy Policy, please contact us:
Barrow Customer Support
Email: [Insert Support Email]
Phone: [Insert Support Phone]