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Privacy Policy
This Privacy Policy describes how Robora Financial (“we,” “our,” “us,” or “Robora”) collects, uses, and shares personal information when you interact with our Services. “Services” means any products, services, content, features, and all related websites offered to you by Robora.
Please note that this Privacy Policy does not apply to non-Robora websites or services that state that they are offered under a different privacy policy. Please review the privacy policies on those services directly to understand their privacy practices.
What Information Do We Collect?
Depending on the nature of your interaction with Robora, we may collect personal information as follows:
Directly from You
Contact information, such as email address, phone number, and any other information you choose to include when you contact us or communicate with us.
Identity information, such as your name, physical address, date of birth, and Social Security number to facilitate your account opening with our partner bank.
Robora profile information, including your name, telephone number, email address, and selected password.
Any additional information you choose to provide us, including questions and feedback.
Some of this information may be collected by external parties on our behalf. For example, we work with third-party partners to perform background checks and receive certain information, including information related to Know Your Customer (KYC) reviews and Anti-Money Laundering (AML) Watchlists.
From Third Parties
Information to authenticate you when you choose to log in to our Services using your Google credentials. Google will authenticate your identity and share certain information with us, such as your name and email address. You can review and manage the permissible you have granted through your Google account settings.
Information about your transaction history from our partner bank, OMB Bank, to facilitate and administer transactions and manage your account efficiently.
Information about your financial accounts and transaction history from Plaid when you connect your Robora profile to other financial accounts using Plaid. When you do so, Robora will receive certain information from Plaid, such as your account balances and transaction history, to ensure our Services provide up-to-date and accurate information. Plaid acts as an intermediary between our Services and your financial institution. When you provide your financial account credentials to Plaid, you grant us and Plaid the right, power, and authority to act on your behalf to access and transmit financial information from the relevant financial institution. You agree to your information being transferred, stored, and processed by Plaid in accordance with Plaid's Privacy Policy. Please note we do not receive your financial account credentials or account numbers from Plaid.
Information about the marketing and advertisements you have seen or clicked on from online advertising companies.
Before authorizing a connection to your Robora profile, you should review the privacy policy of any third-party that will gain access to or share personal information as part of the profile connection.
How Do We Use Your Information?
We use information collected as described in this Privacy Policy to:
Interact with you, such as responding to your requests, providing support, and informing you about important changes to our policies.
Provide our Services including, facilitating the opening of your deposit account with our partner bank to earn interest returns and issuing tax statements.
Prevent potentially fraudulent, prohibited, or illegal activities, verify your identity, and engage in KYC, AML, and other risk management and compliance activities.
Manage and improve the Services and grow our business, including monitoring the performance of our Services, understanding our customer base, developing new products and services, and diagnosing or fixing technology problems.
Advertise and market our products and Services, such as presenting targeted ads and analyzing the effectiveness of advertising campaigns.
Comply with legal requirements and industry standards, detect, investigate, and prevent activities that may violate our policies or be fraudulent or illegal, and protect the rights of Robora, you, or others.
We may use and disclose information in an aggregated or de-identified manner data at our discretion, including for research, analysis, modeling, marketing, and improvement of our Services.
How Do We Disclose Your Information?
Partner bank: To provide you with our high-yield cash management services, it is necessary to share your information with our partner bank, OMB Bank. This partnership allows us to open a deposit account in your name at OMB Bank and provide you with interest returns and other financial benefits associated with the deposit account. Robora is acting as your agent and not as the agent of OMB Bank. The information we disclose to OMB Bank will be used and disclosed in accordance with OMB Bank’s privacy practices. Please review OMB Bank’s Privacy Policy to learn more.
Service providers: We may share your information with service providers that we believe need the information to perform a technology, business, or other professional function for us such as IT services, customer service, marketing, accounting, auditing, and tax services, and other professional services. For example, we use Treasury Prime, a provider of Banking-as-a-Service solutions (BaaS), to integrate banking services directly into our platform. Treasury Prime performs certain business functions for us, such as account management and fund transfers to and from your OMB Bank deposit account.
Advertising partners: We partner with third parties who assist us in serving advertising regarding the Services to others who may be interested in the Services. These third parties may use tracking technologies to collect or receive information from our online Services and elsewhere on the internet and use that information to provide measurement services and target ads. Third parties may allow other companies to access information about you so that they may market other products you may be interested in.
Analytics partners: We partner with analytics providers, who collect information via tracking technologies on our online Services to assist us with measuring visits and traffic on our online Services so we can measure and improve the performance of the online Services.
Social Media Platforms: If you interact with us on social media platforms, the platform may be able to collect information about you and your interaction with us. If you interact with social media objects on our Services (for example, by clicking on a Facebook “like” button), both the platform and your connections on the platform may be able to view that activity. To control this sharing of information, please review the privacy policy of the relevant social media platform.
Corporate event: We reserve the right to transfer to another entity or its affiliates or service providers some or all information about you in connection with, or during negotiations of, any merger, acquisition, sale of assets or any line of business, change in ownership control, or financing transaction. An acquiring party or the merged entity may not have the same privacy practices or treat your information the same as described in this Privacy Policy.
Legal purposes: We share information where necessary to comply with applicable law, to respond to requests from law enforcement agencies or other government authorities or third-parties, as permitted by law and without your consent when it is necessary to protect our customers, employees, or property, in emergency situations; or to enforce our rights under our terms and policies.
Information Choices
Account information: If you have a Robora account, you may access your account to correct or update certain information in your account, such as your contact information.
Cookies Preferences: You have several options to either prevent our collection of information regarding your online activity, or prevent third parties from using such information.
You may be able to prevent third parties from using your information for interest-based advertisements across the internet by visiting www.networkadvertising.org or www.aboutads.info. Please note this does not opt you out of being served ads, nor will it prevent the receipt of interest-based advertising from other companies that do not participate in these programs.
You may also opt-out of some of third-party cookies by visiting their opt-out pages. These are examples of our cookie providers, but the list is not exhaustive. In addition, we are not responsible for the effectiveness of any of these opt-out mechanisms:
We use Google Analytics to collect usage details. You can learn more about privacy and Google Analytics here, and opt out of collection of your data by using the Google Analytics Opt-out Browser Add-on. We use Google Ads and Facebook Pixel to customize our advertising and to serve you ads based on your browsing behavior. You can visit Facebook and Google to learn more about their privacy practices. You can opt out of personalized advertising through Facebook’s Ad Settings and Google’s Ad Settings.Email marketing: If at any time you no longer wish to receive marketing communications from us, you can click the unsubscribe link at the bottom of any email from us.
Email marketing: If at any time you no longer wish to receive marketing communications from us, you can click the unsubscribe link at the bottom of any email from us.
Children
We do not knowingly or intentionally gather personal information about children. If we have inadvertently collected the personal information of a child, a parent or guardian of that child may contact us to request that we delete the information from our records or otherwise cease the use of that information.
Contact Us
To contact us regarding this Privacy Policy, email us at support@roborafinancial.com.
Effective Date
The effective date of this policy is October 30, 2024.
Changes to this Privacy Policy
We may change this Privacy Policy. The Effective Date above indicates when this Privacy Policy was last revised. If we do so, such change will appear on this page. We may also provide additional notice and choices to you, in other appropriate locations, based on the scope and extent of changes. You may always visit this page to learn of any updates.
Cookies
When you interact with our online Services, certain information about your use of our online Services is automatically collected. This includes:
Usage details about your interaction with our online Services, such as the date, time, and length of visits, and specific pages or content accessed during the visits, search terms, frequency of the visits, and referring website address.
Device information including the IP address and other details of a device that you use to connect with our online Services, such as device type and unique device identifier, operating system, browser type, mobile network information, and the device’s telephone number.
Location information where you choose to provide the online Services with access to information about your device’s location.
Much of this information is collected through cookies and other tracking technologies, which may be operated by our partners who assist us in collecting information about usage of the online Services, serving ads, and fraud prevention.
Your browser or device may include “Do Not Track” functionality; please note that we do not respond to such signals. You may disable cookies by adjusting your browser preferences at any time; however, if you do so, some features of the online Services may not function properly or be available. Please see Information Choices below for more information on how to control how your information is collected and used by cookies.
How We Protect and Store Your Information
We maintain reasonable administrative, technical, and physical safeguards designed to protect the information that you provide through the Services. While we use these precautions, we cannot guarantee the security of the networks, systems, servers, devices, and databases we operate or that are operated on our behalf.
The Services are intended only for a United States audience. Any information you provide, including any personal information, may be transferred to, processed, and stored in the United States and other countries.
Privacy Policy
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Privacy Policy
Terms of Service
Privacy Policy
Robora Financial (“Robora”) is providing this notice to explain how we collect, use and share information when you access our website, use our products and services, or open and respond to our communications or advertisements (collectively, the “Services”). As used in this policy, terms such as “we,” “our” and “Company” refer to Robora Financial and its current and future affiliated entities and any trademarks associated with this entity. The Services are intended only for a United States audience. Any information you provide, including any personal information, may be transferred to and processed by a computer server located within the United States.
This Privacy Policy describes how Robora Financial (“we,” “our,” “us,” or “Robora”) collects, uses, and shares personal information when you interact with our Services. “Services” means any products, services, content, features, and all related websites offered to you by Robora.
Please note that this Privacy Policy does not apply to non-Robora websites or services that state that they are offered under a different privacy policy. Please review the privacy policies on those services directly to understand their privacy practices.
This Privacy Policy describes how Robora Financial (“we,” “our,” “us,” or “Robora”) collects, uses, and shares personal information when you interact with our Services. “Services” means any products, services, content, features, and all related websites offered to you by Robora.
Please note that this Privacy Policy does not apply to non-Robora websites or services that state that they are offered under a different privacy policy. Please review the privacy policies on those services directly to understand their privacy practices.
What Information Do We Collect?
We collect information that identifies, relates to, describes, references, is capable of being associated with, or could reasonably be linked, directly or indirectly, with a particular consumer or device (“personal information”).
We obtain the categories of personal information listed above from the following categories of sources:
Directly from you. For example, when you access the Services, we may collect the following types of information from you: (a) identification information (e.g., name, address, date of birth); and (b) other identifying information (e.g., email, device ID).
Indirectly from our clients or their agents. For example, through information we collect from our clients in the course of providing services to them.
Directly and indirectly from activity using the Services. For example, from submissions through our website portal or website usage details collected automatically.
We may collect information from other sources. We may receive information from the other sources and combine that with information we collect through our Services. For example, if you choose to authenticate your Robora Financial account with another service provider (e.g., Google), we may receive information about you or your activity from that service provider.
Depending on the nature of your interaction with Robora, we may collect personal information as follows:
Directly from You
Contact information, such as email address, phone number, and any other information you choose to include when you contact us or communicate with us.
Identity information, such as your name, physical address, date of birth, and Social Security number to facilitate your account opening with our partner bank.
Robora profile information, including your name, telephone number, email address, and selected password.
Any additional information you choose to provide us, including questions and feedback.
Some of this information may be collected by external parties on our behalf. For example, we work with third-party partners to perform background checks and receive certain information, including information related to Know Your Customer (KYC) reviews and Anti-Money Laundering (AML) Watchlists.
From Third Parties
Information to authenticate you when you choose to log in to our Services using your Google credentials. Google will authenticate your identity and share certain information with us, such as your name and email address. You can review and manage the permissible you have granted through your Google account settings.
Information about your transaction history from our partner bank, OMB Bank, to facilitate and administer transactions and manage your account efficiently.
Information about your financial accounts and transaction history from Plaid when you connect your Robora profile to other financial accounts using Plaid. When you do so, Robora will receive certain information from Plaid, such as your account balances and transaction history, to ensure our Services provide up-to-date and accurate information. Plaid acts as an intermediary between our Services and your financial institution. When you provide your financial account credentials to Plaid, you grant us and Plaid the right, power, and authority to act on your behalf to access and transmit financial information from the relevant financial institution. You agree to your information being transferred, stored, and processed by Plaid in accordance with Plaid's Privacy Policy. Please note we do not receive your financial account credentials or account numbers from Plaid.
Information about the marketing and advertisements you have seen or clicked on from online advertising companies.
Before authorizing a connection to your Robora profile, you should review the privacy policy of any third-party that will gain access to or share personal information as part of the profile connection.
Please note that this Privacy Policy does not apply to non-Robora websites or services that state that they are offered under a different privacy policy. Please review the privacy policies on those services directly to understand their privacy practices.
Directly from You
Contact information, such as email address, phone number, and any other information you choose to include when you contact us or communicate with us.
Identity information, such as your name, physical address, date of birth, and Social Security number to facilitate your account opening with our partner bank.
Robora profile information, including your name, telephone number, email address, and selected password.
Any additional information you choose to provide us, including questions and feedback.
From Third Parties
Information to authenticate you when you choose to log in to our Services using your Google credentials. Google will authenticate your identity and share certain information with us, such as your name and email address. You can review and manage the permissible you have granted through your Google account settings.
Information about your transaction history from our partner bank, OMB Bank, to facilitate and administer transactions and manage your account efficiently.
Information about your financial accounts and transaction history from Plaid when you connect your Robora profile to other financial accounts using Plaid. When you do so, Robora will receive certain information from Plaid, such as your account balances and transaction history, to ensure our Services provide up-to-date and accurate information. Plaid acts as an intermediary between our Services and your financial institution. When you provide your financial account credentials to Plaid, you grant us and Plaid the right, power, and authority to act on your behalf to access and transmit financial information from the relevant financial institution. You agree to your information being transferred, stored, and processed by Plaid in accordance with Plaid's Privacy Policy. Please note we do not receive your financial account credentials or account numbers from Plaid.
Information about the marketing and advertisements you have seen or clicked on from online advertising companies.
Before authorizing a connection to your Robora profile, you should review the privacy policy of any third-party that will gain access to or share personal information as part of the profile connection.
How Do We Use Your Information?
We use information collected as described in this Privacy Policy, sometimes combined with information from other sources, for the following business purposes:
To verify your identity or address or to manage risk and compliance throughout our relationship in order to provide safe and secure Services;
To provide, maintain and improve our Services including, for example, provide products and services you request (and send related information), develop new features, provide customer support, authenticate you, and send product updates and administrative messages;
To generate analytical reports based on non-identifiable information to help us and our partners understand our users’ preferences and interest in products and services featured on our website;
To advertise and market our products and services. For example, to present targeted ads on this and other websites and apps, as well as in email, analyze the effectiveness of ads, and determine whether you would be interested in new products or services;
As otherwise required or permitted by law or with your consent.
We use information collected as described in this Privacy Policy to:
Interact with you, such as responding to your requests, providing support, and informing you about important changes to our policies.
Provide our Services including, facilitating the opening of your deposit account with our partner bank to earn interest returns and issuing tax statements.
Prevent potentially fraudulent, prohibited, or illegal activities, verify your identity, and engage in KYC, AML, and other risk management and compliance activities.
Manage and improve the Services and grow our business, including monitoring the performance of our Services, understanding our customer base, developing new products and services, and diagnosing or fixing technology problems.
Advertise and market our products and Services, such as presenting targeted ads and analyzing the effectiveness of advertising campaigns.
Comply with legal requirements and industry standards, detect, investigate, and prevent activities that may violate our policies or be fraudulent or illegal, and protect the rights of Robora, you, or others.
We may use and disclose information in an aggregated or de-identified manner data at our discretion, including for research, analysis, modeling, marketing, and improvement of our Services.
We use information collected as described in this Privacy Policy to:
Interact with you, such as responding to your requests, providing support, and informing you about important changes to our policies.
Provide our Services including, facilitating the opening of your deposit account with our partner bank to earn interest returns and issuing tax statements.
Prevent potentially fraudulent, prohibited, or illegal activities, verify your identity, and engage in KYC, AML, and other risk management and compliance activities.
Manage and improve the Services and grow our business, including monitoring the performance of our Services, understanding our customer base, developing new products and services, and diagnosing or fixing technology problems.
Advertise and market our products and Services, such as presenting targeted ads and analyzing the effectiveness of advertising campaigns.
Comply with legal requirements and industry standards, detect, investigate, and prevent activities that may violate our policies or be fraudulent or illegal, and protect the rights of Robora, you, or others.
We may use and disclose information in an aggregated or de-identified manner data at our discretion, including for research, analysis, modeling, marketing, and improvement of our Services.
How Do We Share Your Information?
How Do We Disclose Your Information?
How Do We Disclose Your Information?
We do not share your personal information with anyone else, except that we may share personal information as required or permitted by law:
With your consent;
To comply with legal orders and government requests;
With our vendors (who are required to safeguard personal information) to help us operate our business.
We may make certain personal information about you (information that can identify a person, such as name, address, telephone number, and e-mail address) available to our service providers that perform work for Robora Financial in order for us to provide services to you. These service providers may help Robora Financial deliver services, provide customer service, or conduct user research and surveys. These companies are obligated to protect your personal information and may have their own privacy policies applicable if you access their services. We may also share your information in connection with any merger, sale of company assets, consolidation or restructuring, financing, or acquisition of all or a portion of our business by or into another company.
Partner bank: To provide you with our high-yield cash management services, it is necessary to share your information with our partner bank, OMB Bank. This partnership allows us to open a deposit account in your name at OMB Bank and provide you with interest returns and other financial benefits associated with the deposit account. Robora is acting as your agent and not as the agent of OMB Bank. The information we disclose to OMB Bank will be used and disclosed in accordance with OMB Bank’s privacy practices. Please review OMB Bank’s Privacy Policy to learn more.
Service providers: We may share your information with service providers that we believe need the information to perform a technology, business, or other professional function for us such as IT services, customer service, marketing, accounting, auditing, and tax services, and other professional services. For example, we use Treasury Prime, a provider of Banking-as-a-Service solutions (BaaS), to integrate banking services directly into our platform. Treasury Prime performs certain business functions for us, such as account management and fund transfers to and from your OMB Bank deposit account.
Advertising partners: We partner with third parties who assist us in serving advertising regarding the Services to others who may be interested in the Services. These third parties may use tracking technologies to collect or receive information from our online Services and elsewhere on the internet and use that information to provide measurement services and target ads. Third parties may allow other companies to access information about you so that they may market other products you may be interested in.
Analytics partners: We partner with analytics providers, who collect information via tracking technologies on our online Services to assist us with measuring visits and traffic on our online Services so we can measure and improve the performance of the online Services.
Social Media Platforms: If you interact with us on social media platforms, the platform may be able to collect information about you and your interaction with us. If you interact with social media objects on our Services (for example, by clicking on a Facebook “like” button), both the platform and your connections on the platform may be able to view that activity. To control this sharing of information, please review the privacy policy of the relevant social media platform.
Corporate event: We reserve the right to transfer to another entity or its affiliates or service providers some or all information about you in connection with, or during negotiations of, any merger, acquisition, sale of assets or any line of business, change in ownership control, or financing transaction. An acquiring party or the merged entity may not have the same privacy practices or treat your information the same as described in this Privacy Policy.
Legal purposes: We share information where necessary to comply with applicable law, to respond to requests from law enforcement agencies or other government authorities or third-parties, as permitted by law and without your consent when it is necessary to protect our customers, employees, or property, in emergency situations; or to enforce our rights under our terms and policies.
Partner bank: To provide you with our high-yield cash management services, it is necessary to share your information with our partner bank, OMB Bank. This partnership allows us to open a deposit account in your name at OMB Bank and provide you with interest returns and other financial benefits associated with the deposit account. Robora is acting as your agent and not as the agent of OMB Bank. The information we disclose to OMB Bank will be used and disclosed in accordance with OMB Bank’s privacy practices. Please review OMB Bank’s Privacy Policy to learn more.
Service providers: We may share your information with service providers that we believe need the information to perform a technology, business, or other professional function for us such as IT services, customer service, marketing, accounting, auditing, and tax services, and other professional services. For example, we use Treasury Prime, a provider of Banking-as-a-Service solutions (BaaS), to integrate banking services directly into our platform. Treasury Prime performs certain business functions for us, such as account management and fund transfers to and from your OMB Bank deposit account.
Advertising partners: We partner with third parties who assist us in serving advertising regarding the Services to others who may be interested in the Services. These third parties may use tracking technologies to collect or receive information from our online Services and elsewhere on the internet and use that information to provide measurement services and target ads. Third parties may allow other companies to access information about you so that they may market other products you may be interested in.
Analytics partners: We partner with analytics providers, who collect information via tracking technologies on our online Services to assist us with measuring visits and traffic on our online Services so we can measure and improve the performance of the online Services.
Social Media Platforms: If you interact with us on social media platforms, the platform may be able to collect information about you and your interaction with us. If you interact with social media objects on our Services (for example, by clicking on a Facebook “like” button), both the platform and your connections on the platform may be able to view that activity. To control this sharing of information, please review the privacy policy of the relevant social media platform.
Corporate event: We reserve the right to transfer to another entity or its affiliates or service providers some or all information about you in connection with, or during negotiations of, any merger, acquisition, sale of assets or any line of business, change in ownership control, or financing transaction. An acquiring party or the merged entity may not have the same privacy practices or treat your information the same as described in this Privacy Policy.
Legal purposes: We share information where necessary to comply with applicable law, to respond to requests from law enforcement agencies or other government authorities or third-parties, as permitted by law and without your consent when it is necessary to protect our customers, employees, or property, in emergency situations; or to enforce our rights under our terms and policies.
Third-Party Data
How We Protect and Store Your Information
We may receive information about you from other sources, including publicly available databases or third parties from whom we have obtained data, and combine this data with information we already have about you. This helps us to update, expand and analyze our records, identify new customers, and provide products and services that may be of interest to you.
Examples of the types of personal information that may be obtained from public sources or third parties and combined with information we already have about you, may include:
address information from third party sources to verify your address so we can properly communicate with you and to prevent fraud and/or
data about our customers from third parties that is combined with information we already have about you, to create more tailored messaging and products.
We maintain reasonable administrative, technical, and physical safeguards designed to protect the information that you provide through the Services. While we use these precautions, we cannot guarantee the security of the networks, systems, servers, devices, and databases we operate or that are operated on our behalf.
The Services are intended only for a United States audience. Any information you provide, including any personal information, may be transferred to, processed, and stored in the United States and other countries.
Information Security
Information Choices
Information Choices
We maintain reasonable administrative, technical and physical safeguards designed to protect the information that you provide through the Services. However, no security system is impenetrable and we cannot guarantee the security of our services, nor can we guarantee that the information you supply will not be intercepted while being transmitted to us over the Internet, and we are not liable for the illegal acts of third parties such as criminal hackers.
Account information: If you have a Robora account, you may access your account to correct or update certain information in your account, such as your contact information.
Cookies Preferences: You have several options to either prevent our collection of information regarding your online activity, or prevent third parties from using such information.
You may be able to prevent third parties from using your information for interest-based advertisements across the internet by visiting www.networkadvertising.org or www.aboutads.info. Please note this does not opt you out of being served ads, nor will it prevent the receipt of interest-based advertising from other companies that do not participate in these programs.
You may also opt-out of some of third-party cookies by visiting their opt-out pages. These are examples of our cookie providers, but the list is not exhaustive. In addition, we are not responsible for the effectiveness of any of these opt-out mechanisms:
We use Google Analytics to collect usage details. You can learn more about privacy and Google Analytics here, and opt out of collection of your data by using the Google Analytics Opt-out Browser Add-on. We use Google Ads and Facebook Pixel to customize our advertising and to serve you ads based on your browsing behavior. You can visit Facebook and Google to learn more about their privacy practices. You can opt out of personalized advertising through Facebook’s Ad Settings and Google’s Ad Settings.
Email marketing: If at any time you no longer wish to receive marketing communications from us, you can click the unsubscribe link at the bottom of any email from us.
Account information: If you have a Robora account, you may access your account to correct or update certain information in your account, such as your contact information.
Cookies Preferences: You have several options to either prevent our collection of information regarding your online activity, or prevent third parties from using such information.
You may be able to prevent third parties from using your information for interest-based advertisements across the internet by visiting www.networkadvertising.org or www.aboutads.info. Please note this does not opt you out of being served ads, nor will it prevent the receipt of interest-based advertising from other companies that do not participate in these programs.
You may also opt-out of some of third-party cookies by visiting their opt-out pages. These are examples of our cookie providers, but the list is not exhaustive. In addition, we are not responsible for the effectiveness of any of these opt-out mechanisms:
We use Google Analytics to collect usage details. You can learn more about privacy and Google Analytics here, and opt out of collection of your data by using the Google Analytics Opt-out Browser Add-on. We use Google Ads and Facebook Pixel to customize our advertising and to serve you ads based on your browsing behavior. You can visit Facebook and Google to learn more about their privacy practices. You can opt out of personalized advertising through Facebook’s Ad Settings and Google’s Ad Settings.
Email marketing: If at any time you no longer wish to receive marketing communications from us, you can click the unsubscribe link at the bottom of any email from us.
Information for Children Under 13
Children
Children
We will not intentionally collect any personal information from children under the age of 13 through the Services without receiving parental consent. If you think that we have collected personal information from a child under the age of 13 through the Services please contact us.
We do not knowingly or intentionally gather personal information about children. If we have inadvertently collected the personal information of a child, a parent or guardian of that child may contact us to request that we delete the information from our records or otherwise cease the use of that information.
We do not knowingly or intentionally gather personal information about children. If we have inadvertently collected the personal information of a child, a parent or guardian of that child may contact us to request that we delete the information from our records or otherwise cease the use of that information.
Contact Us
To contact us regarding this policy and our related privacy practices, contact us at support@roborafinancial.com. If you believe we or any company associated with us has misused any of your information, please contact us immediately and report such misuse.
To contact us regarding this Privacy Policy, email us at support@roborafinancial.com.
To contact us regarding this Privacy Policy, email us at support@roborafinancial.com.
Effective Date
The effective date of this policy is June 23, 2024.
The effective date of this policy is October 30, 2024.
The effective date of this policy is October 30, 2024.
Changes to this Privacy Policy
We may change this policy. If we do so, such change will appear on this page of our website. We will also provide appropriate notice and choices to you, on this website and in other appropriate locations, based on the scope and extent of changes. You may always visit this policy to learn of any updates.
We may change this Privacy Policy. The Effective Date above indicates when this Privacy Policy was last revised. If we do so, such change will appear on this page. We may also provide additional notice and choices to you, in other appropriate locations, based on the scope and extent of changes. You may always visit this page to learn of any updates.
We may change this Privacy Policy. The Effective Date above indicates when this Privacy Policy was last revised. If we do so, such change will appear on this page. We may also provide additional notice and choices to you, in other appropriate locations, based on the scope and extent of changes. You may always visit this page to learn of any updates.
Privacy Policy
Cookies
When you interact with our online Services, certain information about your use of our online Services is automatically collected. This includes:
Usage details about your interaction with our online Services, such as the date, time, and length of visits, and specific pages or content accessed during the visits, search terms, frequency of the visits, and referring website address.
Device information including the IP address and other details of a device that you use to connect with our online Services, such as device type and unique device identifier, operating system, browser type, mobile network information, and the device’s telephone number.
Location information where you choose to provide the online Services with access to information about your device’s location.
Much of this information is collected through cookies and other tracking technologies, which may be operated by our partners who assist us in collecting information about usage of the online Services, serving ads, and fraud prevention.
Your browser or device may include “Do Not Track” functionality; please note that we do not respond to such signals. You may disable cookies by adjusting your browser preferences at any time; however, if you do so, some features of the online Services may not function properly or be available. Please see Information Choices below for more information on how to control how your information is collected and used by cookies.
Privacy Policy
Cookies
When you interact with our online Services, certain information about your use of our online Services is automatically collected. This includes:
Usage details about your interaction with our online Services, such as the date, time, and length of visits, and specific pages or content accessed during the visits, search terms, frequency of the visits, and referring website address.
Device information including the IP address and other details of a device that you use to connect with our online Services, such as device type and unique device identifier, operating system, browser type, mobile network information, and the device’s telephone number.
Location information where you choose to provide the online Services with access to information about your device’s location.
Much of this information is collected through cookies and other tracking technologies, which may be operated by our partners who assist us in collecting information about usage of the online Services, serving ads, and fraud prevention.
Your browser or device may include “Do Not Track” functionality; please note that we do not respond to such signals. You may disable cookies by adjusting your browser preferences at any time; however, if you do so, some features of the online Services may not function properly or be available. Please see Information Choices below for more information on how to control how your information is collected and used by cookies.
Privacy Policy
How We Protect and Store Your Information
This Privacy Policy describes how Robora Financial (“we,” “our,” “us,” or “Robora”) collects, uses, and shares personal information when you interact with our Services. “Services” means any products, services, content, features, and all related websites offered to you by Robora.
Please note that this Privacy Policy does not apply to non-Robora websites or services that state that they are offered under a different privacy policy. Please review the privacy policies on those services directly to understand their privacy practices.
We maintain reasonable administrative, technical, and physical safeguards designed to protect the information that you provide through the Services. While we use these precautions, we cannot guarantee the security of the networks, systems, servers, devices, and databases we operate or that are operated on our behalf.
The Services are intended only for a United States audience. Any information you provide, including any personal information, may be transferred to, processed, and stored in the United States and other countries.
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Earn higher interest without disrupting your existing system with Robora Financial.
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Want to turn your idle cash into an steady income source?
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Privacy Policy
This Privacy Policy describes how Robora Financial (“we,” “our,” “us,” or “Robora”) collects, uses, and shares personal information when you interact with our Services. “Services” means any products, services, content, features, and all related websites offered to you by Robora.
Please note that this Privacy Policy does not apply to non-Robora websites or services that state that they are offered under a different privacy policy. Please review the privacy policies on those services directly to understand their privacy practices.
What Information Do We Collect?
Depending on the nature of your interaction with Robora, we may collect personal information as follows:
Directly from You
Contact information, such as email address, phone number, and any other information you choose to include when you contact us or communicate with us.
Identity information, such as your name, physical address, date of birth, and Social Security number to facilitate your account opening with our partner bank.
Robora profile information, including your name, telephone number, email address, and selected password.
Any additional information you choose to provide us, including questions and feedback.
Some of this information may be collected by external parties on our behalf. For example, we work with third-party partners to perform background checks and receive certain information, including information related to Know Your Customer (KYC) reviews and Anti-Money Laundering (AML) Watchlists.
From Third Parties
Information to authenticate you when you choose to log in to our Services using your Google credentials. Google will authenticate your identity and share certain information with us, such as your name and email address. You can review and manage the permissible you have granted through your Google account settings.
Information about your transaction history from our partner bank, OMB Bank, to facilitate and administer transactions and manage your account efficiently.
Information about your financial accounts and transaction history from Plaid when you connect your Robora profile to other financial accounts using Plaid. When you do so, Robora will receive certain information from Plaid, such as your account balances and transaction history, to ensure our Services provide up-to-date and accurate information. Plaid acts as an intermediary between our Services and your financial institution. When you provide your financial account credentials to Plaid, you grant us and Plaid the right, power, and authority to act on your behalf to access and transmit financial information from the relevant financial institution. You agree to your information being transferred, stored, and processed by Plaid in accordance with Plaid's Privacy Policy. Please note we do not receive your financial account credentials or account numbers from Plaid.
Information about the marketing and advertisements you have seen or clicked on from online advertising companies.
Before authorizing a connection to your Robora profile, you should review the privacy policy of any third-party that will gain access to or share personal information as part of the profile connection.
Cookies
When you interact with our online Services, certain information about your use of our online Services is automatically collected. This includes:
Usage details about your interaction with our online Services, such as the date, time, and length of visits, and specific pages or content accessed during the visits, search terms, frequency of the visits, and referring website address.
Device information including the IP address and other details of a device that you use to connect with our online Services, such as device type and unique device identifier, operating system, browser type, mobile network information, and the device’s telephone number.
Location information where you choose to provide the online Services with access to information about your device’s location.
Much of this information is collected through cookies and other tracking technologies, which may be operated by our partners who assist us in collecting information about usage of the online Services, serving ads, and fraud prevention.
Your browser or device may include “Do Not Track” functionality; please note that we do not respond to such signals. You may disable cookies by adjusting your browser preferences at any time; however, if you do so, some features of the online Services may not function properly or be available. Please see Information Choices below for more information on how to control how your information is collected and used by cookies.
How Do We Use Your Information?
We use information collected as described in this Privacy Policy to:
Interact with you, such as responding to your requests, providing support, and informing you about important changes to our policies.
Provide our Services including, facilitating the opening of your deposit account with our partner bank to earn interest returns and issuing tax statements.
Prevent potentially fraudulent, prohibited, or illegal activities, verify your identity, and engage in KYC, AML, and other risk management and compliance activities.
Manage and improve the Services and grow our business, including monitoring the performance of our Services, understanding our customer base, developing new products and services, and diagnosing or fixing technology problems.
Advertise and market our products and Services, such as presenting targeted ads and analyzing the effectiveness of advertising campaigns.
Comply with legal requirements and industry standards, detect, investigate, and prevent activities that may violate our policies or be fraudulent or illegal, and protect the rights of Robora, you, or others.
We may use and disclose information in an aggregated or de-identified manner data at our discretion, including for research, analysis, modeling, marketing, and improvement of our Services.
How Do We Disclose Your Information?
Partner bank: To provide you with our high-yield cash management services, it is necessary to share your information with our partner bank, OMB Bank. This partnership allows us to open a deposit account in your name at OMB Bank and provide you with interest returns and other financial benefits associated with the deposit account. Robora is acting as your agent and not as the agent of OMB Bank. The information we disclose to OMB Bank will be used and disclosed in accordance with OMB Bank’s privacy practices. Please review OMB Bank’s Privacy Policy to learn more.
Service providers: We may share your information with service providers that we believe need the information to perform a technology, business, or other professional function for us such as IT services, customer service, marketing, accounting, auditing, and tax services, and other professional services. For example, we use Treasury Prime, a provider of Banking-as-a-Service solutions (BaaS), to integrate banking services directly into our platform. Treasury Prime performs certain business functions for us, such as account management and fund transfers to and from your OMB Bank deposit account.
Advertising partners: We partner with third parties who assist us in serving advertising regarding the Services to others who may be interested in the Services. These third parties may use tracking technologies to collect or receive information from our online Services and elsewhere on the internet and use that information to provide measurement services and target ads. Third parties may allow other companies to access information about you so that they may market other products you may be interested in.
Analytics partners: We partner with analytics providers, who collect information via tracking technologies on our online Services to assist us with measuring visits and traffic on our online Services so we can measure and improve the performance of the online Services.
Social Media Platforms: If you interact with us on social media platforms, the platform may be able to collect information about you and your interaction with us. If you interact with social media objects on our Services (for example, by clicking on a Facebook “like” button), both the platform and your connections on the platform may be able to view that activity. To control this sharing of information, please review the privacy policy of the relevant social media platform.
Corporate event: We reserve the right to transfer to another entity or its affiliates or service providers some or all information about you in connection with, or during negotiations of, any merger, acquisition, sale of assets or any line of business, change in ownership control, or financing transaction. An acquiring party or the merged entity may not have the same privacy practices or treat your information the same as described in this Privacy Policy.
Legal purposes: We share information where necessary to comply with applicable law, to respond to requests from law enforcement agencies or other government authorities or third-parties, as permitted by law and without your consent when it is necessary to protect our customers, employees, or property, in emergency situations; or to enforce our rights under our terms and policies.
Information Choices
Account information: If you have a Robora account, you may access your account to correct or update certain information in your account, such as your contact information.
Cookies Preferences: You have several options to either prevent our collection of information regarding your online activity, or prevent third parties from using such information.
You may be able to prevent third parties from using your information for interest-based advertisements across the internet by visiting www.networkadvertising.org or www.aboutads.info. Please note this does not opt you out of being served ads, nor will it prevent the receipt of interest-based advertising from other companies that do not participate in these programs.
You may also opt-out of some of third-party cookies by visiting their opt-out pages. These are examples of our cookie providers, but the list is not exhaustive. In addition, we are not responsible for the effectiveness of any of these opt-out mechanisms:
We use Google Analytics to collect usage details. You can learn more about privacy and Google Analytics here, and opt out of collection of your data by using the Google Analytics Opt-out Browser Add-on. We use Google Ads and Facebook Pixel to customize our advertising and to serve you ads based on your browsing behavior. You can visit Facebook and Google to learn more about their privacy practices. You can opt out of personalized advertising through Facebook’s Ad Settings and Google’s Ad Settings.
Email marketing: If at any time you no longer wish to receive marketing communications from us, you can click the unsubscribe link at the bottom of any email from us.
How We Protect and Store Your Information
We maintain reasonable administrative, technical, and physical safeguards designed to protect the information that you provide through the Services. While we use these precautions, we cannot guarantee the security of the networks, systems, servers, devices, and databases we operate or that are operated on our behalf.
The Services are intended only for a United States audience. Any information you provide, including any personal information, may be transferred to, processed, and stored in the United States and other countries.
Children
We do not knowingly or intentionally gather personal information about children. If we have inadvertently collected the personal information of a child, a parent or guardian of that child may contact us to request that we delete the information from our records or otherwise cease the use of that information.
Contact Us
To contact us regarding this Privacy Policy, email us at support@roborafinancial.com.
Effective Date
The effective date of this policy is October 30, 2024.
Changes to this Privacy Policy
We may change this Privacy Policy. The Effective Date above indicates when this Privacy Policy was last revised. If we do so, such change will appear on this page. We may also provide additional notice and choices to you, in other appropriate locations, based on the scope and extent of changes. You may always visit this page to learn of any updates.