InstaFi Privacy Policy
Last Updated: January 3, 2025

Welcome to InstaFi. This Privacy Policy (“Policy”) explains how InstaFi Inc., its affiliates, and subsidiaries (collectively, “InstaFi,” “we,” “us,” or “our”) collect, use, share, and protect personal information (“Personal Information”) in connection with our products, services, websites, mobile applications, and any other interactions you have with InstaFi (collectively, the “Services”).

We value your trust and are committed to protecting your privacy. Please read this Policy carefully. By using any of our Services, you agree to the collection, use, and disclosure of your information as described in this Policy. If you do not agree, please do not access or use our Services.

Should you have any questions, please contact us at [email protected].

1. Scope & Applicability
Business-Focused Services: InstaFi’s offerings, including expense management, deposit products, card programs, real estate analytics, and any AI-driven solutions, are primarily used by real estate investors, contractors, lenders, or other business entities. This Policy applies to individuals who use, apply for, or interact with our Services in a business capacity, as well as visitors to our websites and interactions at events or via email.

Third-Party Services: Our Services may link or integrate with third-party software, data aggregators, card issuers, or other vendor platforms (e.g., QuickBooks, CRMs, title companies). Their data practices are governed by their own privacy policies, not this one. If you connect or utilize those platforms via InstaFi, please review their terms independently.

Updates to this Policy: We reserve the right to revise this Policy at any time. We’ll post changes on our website and update the “Last Updated” date. For significant updates, we may notify you by email or in-Service notifications.

2. Information We Collect
A. Information Provided by You
Account Creation & Onboarding

Business Information: Name of the entity, tax ID, business address, bank account details, property addresses, organizational documents.
Authorized Users: Names, email addresses, phone numbers, roles/positions within the company, login credentials.

Verification Data: If required by financial regulations, we may collect personal identification (e.g., driver’s license, passport, social security number) of beneficial owners or control persons to meet KYC/AML obligations.

Card & Expense Use

Transaction Details: Payment method, vendor, date, location, purchase category, notes or memos.
Uploaded Receipts: Photos, PDF scans, or digital receipts you attach to transaction records.
Communications

Feedback & Support: Information you provide when contacting InstaFi for support, completing forms, or providing feedback on features.

Marketing & Surveys: Responses you give in optional surveys or user research sessions.

AI Tools & Integrations

If you opt to use our AI-driven solutions (e.g., cost-estimation or invoice factoring), you may provide project budgets, cost breakdowns, or descriptions of real estate properties or transactions.

B. Information We Collect Automatically
Device & Usage Data

Log Information: IP address, browser type, device IDs, operating system, date/time stamps of site visits, referral URLs.
Cookies & Tracking: We use cookies, pixels, and other tracking technologies to gather analytics, verify account logins, and personalize features. See Cookies section for more details. Card & Payment Events

We may track usage events such as card swipes, card declines, expense creation, or invoice approvals to facilitate real-time analytics and compliance checks.

Office Address: 917 E 16th Street, Chattanooga, TN 37408

Location Data

Approximate: Derived from IP addresses or stated business addresses.

Precise: Only if you enable location services in certain features (e.g., property or mileage tracking).
C. Information from Other Sources

Third-Party Integrations: If you connect QuickBooks, or a bank aggregator, or a contractor directory, we may access certain data they hold, such as transaction history, vendor lists, or invoice details.

Identity Verification / Compliance: We may obtain background checks, credit history, or risk flags from identity verification companies or credit bureaus.

Marketing & Lead Generation: We may receive lead lists or contact details from marketing partners, real estate conferences, or affiliate networks.

3. How We Use Information

We collect and use your information for purposes including, but not limited to:

Providing Our Services

Setting up accounts, processing transactions, verifying identity, generating expense reports, providing real-time analytics, or linking your data to third-party software (e.g., QuickBooks).

Compliance & Security

Complying with legal obligations (KYC/AML), investigating fraud or suspicious activity, ensuring site and data security.

Analytics & Product Improvement

Understanding user flows, diagnosing performance issues, optimizing features for real estate operators and lenders.

AI & Automation

Powering AI-driven cost estimations or invoice factoring, analyzing financial health, or auto-categorizing expenses in integrated software.

Marketing & Communications

Sending promotional materials, updates, surveys, or user tips. You can opt out of marketing emails at any time.

Corporate Transactions

If InstaFi undergoes a merger, acquisition, or reorganization, your information may be transferred as part of the transaction.

Other Legitimate Interests

Enforcing our terms of service, managing business operations, or engaging in research and development to offer new solutions for real estate investors.

4. Sharing & Disclosure

We may share or disclose your information with:

Service Providers

Hosting & Infrastructure: Cloud services, data centers.
Payments & Issuing Partners: Card networks, sponsor banks, payment processors.
Analytics, Marketing, & Security: Tools that help us measure usage, run advertising campaigns, detect threats, or provide user support.
These providers are contractually limited in using your data only on our behalf.
Financial Institution Partners

Sponsor banks for our card programs or bridging loans if you apply for or use certain financial products.

They may require identity verification or credit checks to deliver certain features.

Third-Party Integrations

If your Company chooses to integrate with QuickBooks or other software, we share relevant transaction data to facilitate that connection.

Affiliates & Subsidiaries

Entities within the InstaFi corporate group, under this Policy’s same privacy obligations.

Legal & Compliance

Regulators, law enforcement, or governmental agencies if required by law, subpoena, or to protect InstaFi’s rights, security, or property.

Business Transfers

If InstaFi is involved in a merger, acquisition, asset sale, or other transaction, your information may be transferred accordingly.
With Your Consent

Or as otherwise directed by you or your Company’s authorized representative.

5. Cookies & Tracking

We use first-party and third-party cookies to:

Keep you signed in,
Analyze site traffic, measure ad performance,
Personalize your experience,
Recognize repeated visits or device patterns. You can set your browser to refuse cookies or alert you when cookies are being sent, but some features of our Services may not function properly without them. For interest-based ads, you can opt out via industry-standard mechanisms such as the Network Advertising Initiative or the Digital Advertising Alliance.

6. Data Retention

Transaction & Account Data: Retained as long as needed for compliance, tax, and legal obligations, typically at least 5–7 years after account closure.

Analytics & Behavior Data: Retained in aggregated or de-identified form where permissible to help us improve the Services.

AI-Processed Data: If using AI modules, certain training or inference data may be kept in anonymized form to enhance model performance, unless your Company requests deletion and no other regulatory requirement prevents it.

7. Security Measures

We strive to protect your information through:

Encryption in transit (TLS) and at rest (where feasible),

Access Controls restricting internal access to authorized personnel,

Periodic Audits of our security protocols,

Monitoring for suspicious activity.

However, no data transmission or storage can be guaranteed 100% secure. If you suspect any unauthorized access, please contact us immediately at [email protected].

8. International Transfers

InstaFi primarily operates in the United States. If you use our Services from outside the U.S., your information may be transferred, stored, and processed in jurisdictions with different data-protection laws. Where required by law, we implement standard contractual clauses or other safeguards for cross-border data transfers.

9. Your Rights & Choices

Depending on local law, you may have rights to:

Access & Correction: Request a copy of the Personal Information we hold about you, or correct inaccuracies.

Deletion: Ask us to delete certain data, subject to legal or contractual constraints.

Opt-Out of Marketing: Unsubscribe links are included in promotional emails. For additional marketing preferences, contact [email protected].

Cookies & Analytics: Adjust your cookie preferences in your browser or device settings. You can also limit interest-based ads by standard industry opt-out tools.

For requests or questions, email us at [email protected]. We may request specific details to verify identity or your role within a Company.