Privacy Policy

Privacy Policy


What does Peerbackers Advisory, LLC (“PAL”) do with your personal information?


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. This Privacy Policy is effective upon acceptance for new users.


The types of personal information we collect and share depend on the service that we provide to you. This information can include, but would not be limited to:

  • your social security number and income;
  • your address and date of birth; and
  • your account balances and transactions.

We also gather automatic information such as your IP address, statistics on page views and traffic and may use third party analytics tools to help optimize our service but no personally identifiable information is collected about you unless you explicitly submit that information via our fill in forms.


Financial companies typically need to share customers’ personal information internally in order to run their everyday business – to process transactions and to maintain or service customer accounts. In the section below, we list the reasons many financial companies can share their customers’ personal information; the reasons PAL chooses to share your information; and whether you can limit this sharing.

Reasons we can use and share your personal information

  • For our everyday business purposes – To process your transactions, open and maintain accounts;
  • To deliver to you any administrative notices, financial alerts and communications relevant to your use of our Service;
  • To provide customer service, resolve disputes, collect fees and troubleshoot problems and to measure and improve our services;
  • For our marketing purposes – To offer our products and services to you

We do not and will not sell or rent your personal information to anyone, for any reason, at any time.

We may, from time to time, offer promotions with various businesses, websites, or third parties, which may include opportunities for you to earn deposits in your account. To the extent you elect to participate in any such promotion or otherwise make any purchase subject to a promotion, we may share personal information such as name, e-mail address, purchase dates and other related information with the applicable third party for the limited purpose of allowing the parties the make the promotion available and track participation within such promotion.

We use Plaid Technologies, Inc. (“Plaid”) to gather your data from financial institutions. By using our service, you grant Us and Plaid the right, power, and authority to act on your behalf to access and transmit your personal and financial information from the relevant financial institution. You agree to your personal and financial information being transferred, stored, and processed by Plaid in accordance with the Plaid Privacy Policy.

We may also disclose your personal information as required by law, such as to comply with a subpoena, or similar legal process and when we believe in good faith that disclosure is necessary to protect our rights, protect your safety or the safety of others, investigate fraud, or respond to a government request.


What Does PAL Do With Your Personal Information?

Sharing Practices:

How often does PAL notify me about their practices?

We must notify you about our sharing practices when you engage our services and each year while you are a customer. We may amend this Privacy Policy at any time by posting the amended terms on our website. All amended terms automatically take effect 30 days after they are initially posted on the Site.

How does PAL protect my personal information?

To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and offices.

How does PAL collect my personal information?

We collect certain personal information from you, for example, when you open an account.

Why can’t I limit all sharing?

Federal law gives you the right to limit sharing only for:

  • affiliates’ everyday business purposes – information about your creditworthiness;
  • affiliates to market to you; and
  • non-affiliates to market to you.

State laws and individual companies may give you additional rights to limit sharing.

How does PAL treat my personal information once I am no longer a customer?

The firm will provide nonpublic information about former customers only if required to do so by law or regulation or to those parties who need such information in order for the firm to carry out any continued obligation with respect to the services covered by the former adviser/customer relationship.


Everyday business purposes

The actions necessary by financial companies to run their businesses and manage customer accounts, such as

  • processing transactions, mailing, and auditing services;
  • providing information to credit bureaus; and/or
  • responding to court orders and legal investigations.


Companies related by common ownership or control. They can be financial and non-financial companies.


Companies not related by common ownership or control. They can be financial and non-financial companies.

Joint Marketing

A formal agreement between non-affiliated financial companies that together market financial products or services to you.