How We Use Personal Information

We collect and process personal information about you where:

  1. We have your consent to do so;

  2. We have a contract with you and it is necessary to process your personal information to perform our contract with you, including to provide you with the benefits of the Iota Platform and operate our business;

  3. The processing is in our legitimate business interests (in those jurisdictions where legitimate business interest is a legitimate basis for processing) such as operating our businesses, improving and developing the Iota Platform, communicating with you, marketing our offerings and services and personalizing your experience, and to detect illegal activities; or

  4. We need to comply with legal requirements, including applicable laws and regulations.

Personal information is used for the following purposes including to:

  1. Provide you with the Iota Platform, create your account and manage our relationship with you.

  2. Improve and develop our products and services by analyzing how they are used and interacted with, as well as by assessing the use of and interactions with our Platform and certain content our customers send or display through the Platform, including by conducting data analytics to develop insights about you, your needs and preferences so we can make more informed predictions, recommendations and products for our customers.

  3. Run and manage our business, including resolving billing and financial disputes.

  4. Evaluate your eligibility for financial or other marketing offers, products and services.

  5. Provide features to you, such as your credit reports and scores.

  6. Connect you with experts and other users.

  7. Communicate with you, such as sending you electronic notifications concerning your financial privacy.

  8. Protect against misuse or abuse of our services and ensure compliance with our terms, including in relation to content our customers send or display through the Platform.

  9. Market our services, products and experiences, including to deliver rewards, gifts and promotional materials, product recommendations and other non-transactional communications via email, post, telephone, SMS or push notifications, in accordance with your marketing preferences.

  10. Personalize your experience and tailor recommendations, advertising and offers presented to you, including through the development of insights about you and your needs based on your interactions with the products, services and offerings of our platform.

  11. Combine and anonymize information about your interactions with Iota to create aggregate, anonymized statistics for use in research and for marketing, promoting, improving and developing our platform.

  12. Provide you with support and resolve disputes.

  13. Conduct research, including by partnering with academic institutions

  14. Comply with our legal and regulatory requirements.

  15. Authenticate your identity.

  16. Manage event registrations and attendance, including sending related communications to you.

  17. Register visitors to our offices for security reasons and manage non-disclosure agreements that visitors may be required to sign.

  18. Protect the rights, property, safety or security of the Iota Platform, our customers, employees or others and prevent fraudulent or illegal activity.

  19. Exercise our rights in the course of judicial, administrative or arbitration proceedings.

  20. Enforce, remedy or apply our Terms of Service or other agreements.

  21. Process your information for other purposes that are compatible with the disclosed purposes if and where this is permitted by applicable law.

Automated Processing
To provide you with valuable personalized advice, recommendations, and experiences, we may process your personal information using automated and manual (human) methods. Our automated methods include artificial intelligence (AI) and a range of technologies that help our services learn and reason to improve our ability to personalize and enhance your experience in the Iota Platform.

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