Privacy Policy

Effective Date: May 31, 2024 Updated: December 14, 2025 

Thank you for visiting our site! Raisin Solutions US LLC ("Raisin," "we," "us," or "our") is a free digital savings marketplace that connects savers like you to federally insured partner banks and credit unions. At Raisin, we take seriously our responsibility to protect the privacy and confidentiality of information about you. We are committed to earning and maintaining your trust by safeguarding your personal information and making its protection a priority. 

We wrote this Privacy Policy to help you understand the types of Personal Information we collect through our Website; how we use, disclose, and share this Personal Information; the choices you have regarding such use; and other important information. This Privacy Policy also applies to those we interact with in our business relationships. Although some of the concepts below are a bit technical, we tried our best to explain things in a straight-forward and transparent way. If you have any questions or comments about this Privacy Policy or the ways in which Raisin uses the information we collect, please do not hesitate to contact us using the information provided at the end of this Privacy Policy. For California residents, our Notice at Collection can be found below. 

Scope of Our Privacy Policy 

This Privacy Policy applies to information collected through our website (www.raisin.com/en-us), any other online products and services including mobile apps that display or link to this Privacy Policy as well as information provided by you to us in connection with your use of the Website such as correspondence, chats, or calls with our customer service team (collectively, "Website" or "Site"). This Privacy Policy does not apply to websites, mobile apps, or other online products and services that have their own Privacy Policy or otherwise do not display or link to this Privacy Policy. 

How We Collect Information 

When you access or use the Website, we may collect information that identifies you ("Personal Information"), and we may also collect information that does not identify you ("Non-Identified Information"). We obtain information about you in a range of ways. 

Information We Collect 

We collect Personal Information that you submit or otherwise choose to provide, as well as personal information received from our partners and service providers, advertising networks, internet service providers, data analytics providers, government entities, operating systems and platforms, social networks, and data brokers. To obtain our products and services or to create an account with us, we will ask you to provide certain Personal Information. If you choose not to provide this information, you will be unable to obtain our products and services. 

Personal Information means information that identifies, relates to, describes, is capable of being associated with, or could reasonably be linked directly or indirectly to you or your household, such as your name, postal address, email address, telephone number, Social Security number, financial account number, or similar information. The Personal Information we may collect includes:

• Identifiers, such as your first and last name, email address, address, date of birth, Social Security number, and similar identifiers;
• Commercial information, such as a record of the products or services you have purchased or considered;
• Biometric information;
• Internet or other electronic network activity;
• Geolocation;
• Audio and electronic information;
• Professional or employment-related information;
• Inferences from any of the personal information you have provided; and
• Personal banking information you provide to us.

The Personal Information we collect also includes sensitive Personal Information ("Sensitive Personal Information"), such as Social Security number, banking information, account log-in, and precise geolocation. Raisin conducts identity verification through Veriff, which may also require the collection of facial images, such as headshots from your identification card and selfie photographs. Veriff also collects information about the device accessing a Raisin account to analyze the risk of fraud. By creating an account with Raisin, you acknowledge and agree that the terms of Veriff's Privacy Policy will govern Veriff's use of such information. 

Raisin offers account linking and aggregation services through Plaid ("Plaid"). By using account linking and aggregation services, you acknowledge and agree that the terms of Plaid's Privacy Policy will govern Plaid's use of such information, and you expressly agree to the terms and conditions of Plaid's Privacy Policy. Further, you expressly grant Plaid the right, power, and authority to access and transmit your information as reasonably necessary for Plaid to provide these services to you. If you receive customer service by telephone or via chat from Raisin, you acknowledge and agree that those service calls and chats may be recorded. 

Personal Information From Third Parties 

We may also receive Personal Information about you from third parties. For example, by linking your bank account at your external financial institution, you disclose information regarding that account with us. By using the Website, you consent to our use of Personal Information provided by your financial institution in accordance with their Privacy Policy and ours. We additionally receive information about you from fraud management services and identity verification vendors which we use to fight fraud, keep the Website secure and comply with applicable laws. If we combine such information with the Personal Information that we collect from you, we will treat the combined information as Personal Information under this Privacy Policy. We may also obtain information about you from commercially available sources such as data brokers, data aggregators, and public databases. This information may include your name, demographic information, interests and publicly observed data (such as from social media and shopping behavior). 

Non-Identified Information 

In addition, we collect certain non-identified information automatically when you visit or engage with our Site regarding your computer or device or your interaction with our Site. This information may include the date and time your browser requested our Site, the pages of our Site visited or features used, or other non-identified information about your use of our Site or advertisements ("ads"). Our Website uses common technologies that automatically collect certain information about your computer or device and your interaction with our Sites and ads. These technologies include cookies, pixel tags, server logs, and statistical identifiers. These technologies and the collection and use of non-identified information using such technologies are described in this Privacy Policy below.

Combining Personal Information 

We may combine the Personal Information we collect through our Site with information we collect through other sites or online services. We may also combine information collected through our Site with information collected offline or obtained by our partners and other third parties. We use this consolidated information to help us improve our Website, improve our products and services, communicate information to you, enhance our marketing and research activities, and engage in any other legitimate business activities described in this Privacy Policy. 

Use of Personal Information 

We may use the Personal Information we collect from and about you (or your device) for any of the following purposes: 

• To provide you with pricing information regarding our products and services;

• To create, maintain, customize, and secure your account with us;
• To personalize your experience and to allow us to deliver the type of content and product offerings in which you are most interested including customized content, targeted offers and advertising through our Site, other sites, and via email or text message;
• To operate, improve, maintain, administer, and further develop the Website and to operate and support our related business activities;
• To allow us to better service you in responding to your customer service requests.
• To verify and supplement your account information including any external accounts you link to the Platform and Services;
• To process your transactions, including the processing of deposits and withdrawals and prevent transactional fraud;
• To send emails, text messages, or other communications regarding your account and our products and services;
• To communicate about promotions, upcoming events, and other news about products and services offered by us;
• To operate, improve, maintain, administer, and further develop the Platform and Services, and to operate and support our related business activities;
• To investigate, analyze, and resolve customer disputes; To better understand how users access and use the Platform and Services;
• To conduct quality control and to fix technical and other errors or problems; To conduct market research and internal research for technological development and demonstration;
• To audit ad impressions of unique visitors, verifying positioning and quality of ad impressions;
• To ensure security and integrity to the extent the use of your Personal Information is reasonably necessary and proportionate for these purposes;
• To use for short-term, transient use, including, but not limited to, non-personalized advertising shown as part of your current interaction with us;
• To perform services on behalf of the business, including maintaining or servicing accounts, providing customer service, processing, or fulfilling orders and transactions, verifying customer information, processing payments, providing financing, providing analytic services, providing storage, or providing similar services on behalf of the business;
• To provide advertising and marketing services, except for cross-context behavioral advertising;
• To undertake activities to verify or maintain or maintain the quality or safety of our services and to improve, upgrade, or enhance, our services;
• To comply with applicable laws, rules, and regulations, including but not limited to tax laws and bank secrecy, anti-money laundering, and know-your-customer requirements;
• To respond to governmental requests and as required by applicable law, court order, and governmental regulations;
• To engage in "profiling" through the automated processing of Personal Information for the purpose of evaluating, analyzing, or predicting your economic circumstances, personal preferences, interests, reliability, behavior, location, or movements that may result in providing or denying financial services to you;
• or As otherwise described to you at the point of data collection Privacy Policy or for any other legitimate business activities not otherwise prohibited by law.

Disclosure of Personal Information 

We do not sell, trade, or otherwise transfer to outside parties your Personal Information unless we provide you with advance notice or as otherwise described in this Privacy Policy and as follows: 

• If you request or authorize it;

• To complete a transaction or provide a service requested by you;
• With the banks and credit unions at which your funds are deposited and with the banks acting as your custodian or performing funds transfer services for you;
• With our third-party service providers that provide services to support the Website, such as financial institutions, banking account verification, anti-money laundering and customer identification services, payment processing, data analysis, email delivery, hosting, order fulfillment, infrastructure, network storage, customer service, technical support, and promotional services;
• To comply with applicable laws, rules, and regulations, including but not limited to tax laws and bank secrecy, anti-money laundering and know-your-customer requirements;
• To comply with governmental and regulatory requests, court orders, and subpoenas;
• To protect our rights, property, and safety and the rights, property, and safety of our users and others or to prevent fraud; or
• To enforce our rights arising from any contracts entered into between you and us, including the Terms of Service;

In addition, during the normal course of our business, Raisin may sell or purchase assets. If another entity acquires us or any of our assets, information we collect from and about you (and your device) may be transferred to such entity. In addition, if any bankruptcy or reorganization proceeding is brought by or against us, such information may be considered an asset of ours and may be sold or transferred to third parties. Should such a sale or transfer occur, we will use reasonable efforts to try to require that the transferee use the information we collect from and about you (and your device) in a manner that is consistent with this Privacy Policy. However, non-identified information may be provided to other parties for marketing, advertising, or other uses. 

We may disclose the above categories of Personal Information that we have collected to third parties, including advertising networks, internet service providers, data analytics providers, government entities, operating systems and platforms, social networks, and data brokers. 

Contact Information 

Please also let us know if you have any questions, concerns, disputes, or issues. You may contact us any time at support.us@raisin.com or at 844-994-EARN (3276), or write to us at: 

Raisin Solutions US LLC

1407 Broadway

14th Floor, Suite 1400

New York, NY 10018