At Pana Finance Inc("we", "us", "our", "Pana" or the "Company") value your privacy and the importance of safeguarding your data. This Privacy Policy ("Privacy Policy") describes our privacy practices for the activities set forth below. Consistent with your rights, we inform you of how we collect, store, access and otherwise process information relating to individuals.
In general, "personal information" refers to any piece or combination of information that identifies, relates to, describes, or can be reasonably linked to or associated with you or your household.
Personal information includes, but is not limited to:
Some data is NOT personal information:
We are committed to protecting your privacy in accordance with the highest level of privacy regulation. Therefore, we comply with the obligations set forth in:
This Privacy Policy is intended to provide information to visitors to the Pana website and users of the Pana app about the personal information we collect, and how we collect, use, disclose and protect your information when you access or use (1) our website located at getpana.app ("Site"); (2) our mobile application(s) on which this privacy policy is posted (the "App"); and (3) any services, content, communications and product features related to the Site and the App.
This privacy policy does not apply to third party applications, websites, products, services, or platforms that may be accessed through links that are not from Pana Finance Inc. These sites are independently owned and operated by us, and have their own privacy and data collection practices and policies. Any personal data you provide to these websites will be governed by the third party's own privacy policy. We cannot accept responsibility for the actions or policies of these independent sites, and we are not responsible for the content or privacy practices of such sites.
This privacy policy applies when you interact with us by doing any of the following:
Pana collects, uses and discloses various types of Personal Information in different ways. For each category of information collected, we detail the categories of sources from which we obtain the information, our business purposes for collecting it, and the categories of third parties with whom we share that Personal Information.
As soon as you visit the Site or use the App, Pana automatically collects certain digital identifiers, including device identifiers, Internet Protocol ("IP") addresses, web beacons and other session tracking information, as appropriate:
In order to fulfill the business purposes described above, Pana may disclose your traditional and digital identifiers to the following categories of third party service providers: our banking partners, payment processors, payment networks, card fulfillment providers, mobile check deposit processing services, identity services, customer service providers, communication platforms, research and risk mitigation tools, transaction dispute processing services, website and application usage trackers, data processors, modeling and analytics tools, and network infrastructure and data storage services. These third-party service providers are contractually obligated to protect and refrain from disclosing any personal information we disclose or entrust to them.
Financial information includes your Pana and other bank account numbers, elements of debit and credit card numbers (as described below), and transaction history. To the extent Pana collects this information, it does so on behalf of VISA USA, inc, and other third party service providers necessary to provide the Services (collectively, our "Banking Partners").
Pana collects your account number from the partner bank that issued your checking account.
Pana collects this information to offer promotions (including referrals and contests), entries and rewards, and to collect fees and other amounts due in connection with the Services. In addition, Pana collects this information for purposes applicable to financial reporting generally (see below).
Your use of certain features of the Services requires Pana to collect account numbers, balances and other information about your bank accounts unrelated to your relationship with Pana. Pana may collect this information through a payment processor that facilitates a transfer to a bank account associated with Pana or through a third party secure access tool.
Pana collects this information to provide certain features of the Services, including viewing your external bank account balance and facilitating transfers between your external bank accounts and those of Pana's partners. In addition, Pana collects this information for purposes applicable to financial reporting generally (see below).
Pana collects the first six and last four digits of your debit and credit card numbers from your processor and/or the issuing bank of the Services you sign up for.
It uses this information to help you activate your card by verifying your physical address. In addition, Pana collects this information for general financial reporting purposes (see below).
Pana does not routinely collect, but may access your full debit and credit card numbers. We access and use (but do not store) this information only through a payment network or transaction dispute processing service to process and resolve disputes that you initiate.
Pana collects the transaction history of your Pana account from your processor and banking partner. It collects this information to provide the Services to you, in particular to prepare your statement, resolve errors and unauthorized transfers, and verify your identity in certain circumstances.
Employment information includes information about your occupation, salary and job title that you may have provided upon enrollment or information that you may provide to Pana in the course of setting up direct deposit or receiving your paycheck through direct deposit into your Pana account.
If you sign up for Pana direct deposit, Pana will collect identifying information about your employer from you or a third-party service provider, including your employer's name and address. Pana may use this information to analyze trends in its user base. Pana will not share information about your employer unless it is de-identified and aggregated. In addition, Pana collects this information for purposes applicable to employment information generally (see below).
Pana collects your employment information, as applicable, in order to analyze individual and aggregate usage data to improve and personalize the Services; verify your identity; comply with and support our banking partners' compliance with applicable law, including AML and sanctions screening rules; prevent, detect and investigate fraud, hacking, infringement or other suspected or actual misconduct, crime or breach of an agreement involving the Services; send you advertisements, newsletters, promotional materials and other information about the Services and third party products and services that we believe may be of interest to you; and record and store this information.
In order to fulfill the business purposes described above, Pana may disclose your financial information to the following categories of third party service providers: our banking partners, identity services, customer service providers, communication platforms, research and risk mitigation tools, transaction dispute processing services, website and application usage trackers, data processors, modeling and analysis tools, and network infrastructure and data storage services. These third-party service providers are contractually obligated to protect and refrain from disclosing any personal information we disclose or entrust to them.
Generally, Pana does not collect information regarding your status as a member of a protected class under federal or California law. However, Pana does collect and disclose your date of birth for the purposes applicable to traditional identifiers, described above. Your date of birth necessarily indicates whether you are a member of the protected class of persons 40 years of age or older, but Pana does not use or share your membership in this group for any purpose.
Marketing information consists of information about your interest in a particular product or service, your purchasing or consumption trends, and/or receipts or records of products or services.
Pana collects this information from you whenever:
Pana collects your business information in order to provide the Services and send you related communications; analyze individual and aggregate usage data to improve and personalize the Services; verify your identity; comply with and support our banking partners' compliance with applicable law, including AML and sanctions screening rules; prevent, detect and investigate fraud, hacking, infringement or other suspected or actual misconduct, crime or breach of an agreement related to the Services; send you advertisements, newsletters, promotional materials and other information about the Services and third party products and services that we believe may be of interest to you; process and deliver promotional entries and rewards (including referrals and contests); collect fees and other amounts due in connection with the Services; comply with obligations to tax authorities; diagnose and debug our technical systems; and record and store this information.
In order to fulfill the business purposes described above, Pana may disclose your business information to the following categories of third party service providers: our banking partners, payment processors, payment networks, card fulfillment providers, mobile check deposit processing services, customer service providers, communication platforms, research and risk mitigation tools, transaction dispute processing services, website and application usage trackers, data processors, modeling and analytics tools, and network infrastructure and data storage services. These third-party service providers are contractually obligated to protect and refrain from disclosing any personal information we disclose or entrust to them.
Except as described below, Pana does not collect your physiological, biological or behavioral characteristics that can be used to identify you ("Biometrics").
If you call Pana Member Services by telephone, Pana will collect from its customer service providers and communications platform a record of the call, including your voice recording. Pana (or its partners) collects this recording for customer service training and quality control, but Pana (or its third party service providers) may also use your voice recordings to verify your identity and to prevent, detect and investigate fraud, hacking, suspected or actual infringement or other misconduct, crime or violation of an agreement related to the Services.
If you register with Pana or use certain features available on the app, you may be asked to provide an image of yourself to verify your identity. Pana and any service provider will collect an image of your face and any other body part in the frame in order to verify your identity and provide services, to comply with and support our banking partners' compliance with applicable law, and to prevent, detect and investigate fraud, hacking, infringement, or any other suspected or actual misconduct, crime or violation of an agreement involving the Services.
To fulfill the business purposes described above, Pana may disclose your biometric information to third party service providers, such as identity verification services, data processors, modeling and analysis tools, and network infrastructure and data storage services for the limited purposes described with respect to each subcategory of biometric information described above.
Pana collects information about your interactions with the App and Site through the digital identifiers described above. When you perform an interaction, such as visiting a web page or application screen, Pana uses third-party usage trackers to collect the particular digital identifiers associated with that interaction or series of interactions. If you choose to share your location with Pana, we may also collect geolocation data associated with certain interactions.
In addition, Pana collects the following information regarding your use of the application and site:
When you sign up, Pana collects information about how you came to Pana. First, Pana automatically collects this information provided by marketers (e.g., Facebook and Google), publishers and other websites on which Pana advertises, including the Apple App and Google Play stores. Pana may also collect information about how you were referred to Pana based on the landing page you signed up for, or from the link you followed to the Apple App or Google Play store. Finally, Pana may collect information from you directly during registration if you answer the optional question about how you came to Pana.
If you choose to share your contacts with Pana, Pana may collect a list of your contacts from your phone's operating system. Pana will only use this information to facilitate your sharing of Pana referral codes, to prevent fraud, and to comply with and support our banking partners' compliance with applicable law, including AML and sanctions screening rules.
Whenever you interact with Pana through the application chat, email, phone or website, Pana collects your communications. Pana collects this information for customer service training and quality control, but may also use the information to investigate fraud or unusual activity related to your account.
If you give Pana any information about your use of the Services; participate in user research by responding to a questionnaire, survey; or provide other feedback, including opinions about Pana, Pana may collect that information.
Pana collects your application and website usage information in order to provide the Services and send you related communications; analyze individual and aggregate usage data to improve and personalize the Services; verify your identity; comply with and support our banking partners' compliance with applicable law, including AML and sanctions screening rules; prevent, detect and investigate fraud, hacking, breaches or any other misconduct, crime or violation of an agreement affecting the Services; send you announcements, newsletters, promotional materials and other information about the Services and third party products and services that we believe may be of interest to you; diagnose and debug our technical systems; and record and store this information
In order to fulfill the business purposes described above, Pana may disclose your application and site usage information to the following categories of third party service providers: our banking partners, customer service providers, communication platforms, research and risk mitigation tools, transaction dispute processing services, website and application usage trackers, data processors, modeling and analytics tools, and network infrastructure and data storage services. These third-party service providers are contractually obligated to protect and refrain from disclosing any personal information we disclose or entrust to them.
Pana may collect information from your mobile device about your location while you are accessing or using the App and while you are not accessing or using the App. We may use this information to provide you with targeted offers and to notify you about nearby third party locations where you may use the Services. You may opt out of receiving location data at any time by changing the settings on your mobile device. However, if you do so, some features of the Services may not be available to you or the performance of certain features of the Services may be limited or may not work at all.
Pana collects your geolocation data to provide the Services and send you related communications; analyze individual and aggregate usage data to improve and personalize the Services; verify your identity; comply with and support our Banking Partners' compliance with applicable laws, including AML and sanctions screening rules; prevent, detect and investigate fraud, hacking, breaches or any other misconduct, crime or violation of an agreement affecting the Services; send you announcements, newsletters, promotional materials and other information about the Services and third party products and services that we believe may be of interest to you; diagnose and debug our technical systems; and record and store this information.
In order to fulfill the business purposes described above, Pana may disclose your geolocation data to the following categories of third party service providers: our banking partners, customer service providers, communication platforms, research and risk mitigation tools, transaction dispute processing services, website and application usage trackers, data processors, modeling and analytics tools, and network infrastructure and data storage services. These third-party service providers are contractually obligated to protect and refrain from disclosing any personal information we disclose or entrust to them.
When we process your personal data to provide a product or service, we do so because it is necessary to fulfill contractual obligations. All of the above processing is necessary in our legitimate interest to provide products and services and to maintain our relationship with you and to protect our business, for example, against fraud. Consent will be required to initiate services with you. New consent will be required if there is any change in the type of data collected. Under our contract, if you do not consent, some services may not be available to you.
If you provide us, or our service providers, with any Personal Data relating to other individuals, you represent that you have the authority to do so and acknowledge that it will be used in accordance with this Privacy Statement. If you believe that your Personal Data has been improperly provided to us, or you otherwise wish to exercise your rights in relation to your Personal Data, please contact us using the information shown under the section "Contact Us" section below. section below.
We may receive your personal data from third parties, such as companies subscribing to the services of Pana Finance Inc, partners and other sources. This information is not collected by us but by a third party and is subject to the third party's own privacy and data collection policies. We have no control or involvement in the third party's processing of your personal data. As always, you have the right to review and rectify this information. If you have any questions, you should first contact the third party in question to obtain more information about your personal data. If that third party does not respond to your rights, you can contact the Data Protection Officer at Data Protection Officer of Pana Finance Inc. you can contact the Data Protection Officer at
Data Protection Officer of Pana Finance Inc.
10007 Grand Canal Dr Apt 19101, Windermere, FL, 34786 and we can help you...
Our websites and services may contain links to other websites, applications and services maintained by third parties that are outside of our control. The information practices of those other services, or of the social networks that host our branded social media pages, are governed by the privacy statements and policies of third parties, which you should review to better understand the privacy practices of those third parties. We are not responsible for the privacy practices of third parties or the content of linked websites and applications.
As mentioned above, we may use your personal information to send you promotional or marketing communications by postal mail or email. If, at any time, you wish to stop receiving these promotional emails, you may follow the opt-out instructions contained in any such email or contact us as indicated at the end of this Policy. Please note that by opting out, you may prohibit Pana from informing you of offers that may be of interest to you. Opt-out requests may take up to ten (10) business days to process. You will continue to receive non-promotional emails about your relationship with us.
Pana never sells your personal information. Pana does not and will not sell anyone's personal information to third parties.
In general, Pana discloses each category of Personal Information for the same purpose for which it is collected. Therefore, the information provided for each category described in the section "How We Collect and Use Personal Data" describes in detail the categories of Personal Information that Pana discloses, for what business purpose, and to whom. We will share your personal data with third parties only in the ways set out in this Policy or as set out at the time of collection of the personal data.
If you reside in the U.S., Pana may use Plaid, Inc. ("Plaid") to connect your Pana account with your bank account(s), verify your bank account(s), and confirm the balance of your bank account(s) before approving a transaction. Information shared with Plaid is treated by Plaid in accordance with its Privacy Policy, available at: https://plaid.com/legal/#end-user-privacy-policy.
We also use Google Analytics to help us understand how our customers use the site. You can read more about Google's use of your personal information here:
You can also opt-out of Google Analytics here:
We may also use your Personal Data to provide you with targeted marketing through advertisements or communications (such as newsletters).
For more information on how targeted advertising works, you can visit the Network Advertising Initiative's ("NAI") educational website at
In addition, you can opt out of some of these services by visiting the Digital Advertising Alliance's opt-out portal at
If you are referred by an existing Pana member, you will receive a referral bonus once your user identity verification is confirmed. The bonus will be determined by Pana's ongoing promotions.
We may use, transfer or disclose your personal information to comply with a legal obligation, in connection with a request from a public or governmental authority, or in connection with court or tribunal proceedings, to prevent loss of life or injury, to protect our rights or property, to respond to an emergency; or otherwise to protect the rights, property, safety or security of third parties, users of the Services, or the public. Whenever possible and practical to do so, we will inform you in advance of such disclosure.
Relocation of companies
As we continue to develop our business, we may sell or buy assets. If another entity acquires us or our assets, personal information collected through the Services may be disclosed to that entity as one of the transferred assets. Also, if bankruptcy or reorganization proceedings are commenced by or against us, all such information may be considered an asset of ours and, as such, may be sold or transferred to third parties.
At your request, we may share your personal information with third parties.
We will not knowingly collect, sell or disclose personal data from children under the age of 16, regardless of any affirmative authorization from that child or his or her parent or guardian.
We will only retain your personal data for as long as necessary for the purposes for which it was collected and to the extent required by applicable law. When we no longer need the personal data, we will delete it from our systems and/or take steps to anonymize it.
Please note that Pana may continue to use your de-identified data after you delete any of your personal data.
In accordance with our routine record keeping and at the request of a California consumer, we may delete certain records containing Personal Information that you have submitted through the Services. We have no obligation to store such Personal Information indefinitely and disclaim any liability arising from the destruction of such Personal Information or related information. In addition, you should be aware that it is not always possible to completely remove or delete all of your information from our databases without some residual data due to archiving, implementation of security protocols and maintenance of network integrity.
There may be certain instances in which we will retain your personal information. These instances may include, but are not limited to, providing services, complying with our legal obligations, dispute resolution, fraud prevention, or as otherwise permitted by law. Pana may not use the information we retain for registration purposes for any other marketing purposes.
Pana has, and requires our Third Party Service Providers to have, administrative, technical and physical safeguards in place in our respective physical facilities and in our respective computer systems, databases and communications networks that are reasonably designed to protect the information contained in such systems from loss, misuse and alteration. We employ commercially reasonable website security and customer verification procedures to protect your data. The measures we use may include storing personal information on secure servers, transmitting personal information using encryption technologies, and auditing and reviewing our data collection and storage practices.
User passwords and other sensitive information are stored and encrypted to prevent unauthorized access or disclosure and accidental loss, alteration or destruction. We periodically review our operational and business practices for compliance with corporate policies and procedures governing the security, confidentiality and quality of our information. We require all our employees, contractors and other third parties to protect confidential information as a condition of doing business, and our business practices limit the use and disclosure of such information, including personal information, to authorized persons, processes and transactions.
No method of transmission or electronic storage is 100% secure and, therefore, we cannot guarantee the absolute security of your personal information. You also play a role in protecting your personal information. Please keep your username and password for your Account and do not share them with others. If we receive instructions using your Account access information, we will consider that you have authorized the instructions. You agree to notify us immediately of any unauthorized use of your Account or any other breach of security related to the Services. We reserve the right, in our sole discretion, to refuse to provide the Services, terminate your Account, and remove or edit content.
Effective January 1, 2020, the California Consumer Privacy Act (CCPA) allows consumers residing in California:
These provisions of the CCPA do not apply to personal information collected, processed, shared or disclosed by financial institutions under federal law.
To contact us if you have questions about our CCPA compliance, please send an email to [email protected].
The Services are governed by and operated under and in accordance with the laws of the United States, and are intended to be enjoyed by residents of the United States. If you use the Services, or provide data to us, from outside the United States, you acknowledge and agree that your Personal Data may be transmitted outside your jurisdiction of residence. In particular, please note that your Personal Data may be stored and processed in the United States. The laws regarding the collection, use, disclosure and protection of Personal Data in the United States may be more or less stringent than the laws of other countries. By using the Services, you (a) acknowledge that the Services are subject to the laws of the United States; (b) consent to your Personal Information being stored and processed in the United States and treated as described in this Policy; and (c) waive any claims that may arise under the laws of the country in which you reside, are a citizen and/or from which you access the Services.
Pana may revise this Policy from time to time without notice, and any changes will be effective immediately upon posting of the revised Privacy Policy on the Services. You should periodically bookmark and review this page to ensure that you are familiar with the most current version of this Policy. You can determine when this Policy was last revised by checking the "Last Updated" legend at the top of this Policy.
If you have any complaints about this policy or any of the personal information we hold about you, please contact us. If you are not satisfied, you have the right to lodge a complaint with the local data protection authority.
To request a copy of your information, unsubscribe from our email list, request deletion of your data, update or correct your personal information, or ask a question about the privacy of your data, we have simplified the process:
Pana Finance Inc.
Send us an email to:
Write to us at:
Data Protection Officer of Pana Finance Inc.
10007 Grand Canal Dr Apt 19101, Windermere, FL, 34786