Open Finance Privacy Notice (U.S.)

Inference & Profiling · Company practice

Inferences may include fraud signals, risk scores, income, employment and likelihood to make a payment

Finicity may draw inferences from Personal Information, including fraud signals (such as how many times a data element has been queried in a period or when it was last seen) used to identify behavioral patterns and insights for its fraud prevention and identity verification services, authentication risk scores, transaction risk factors, risk reason codes, income, employment, cash flow information, your likelihood to make a payment on a given day, and your regular payments (such as utilities, rent and subscription services).

Supporting quotations

Inferences drawn from personal information

Inferences may include fraud signals, such as the number of times a data element has been queried in a period of time or the last time a data element has been seen, to identify behavioral patterns and insights for our fraud prevention and identity verification services (e.g., patterns confirming that a provided address is genuine), authentication risk scores, transaction risk factors, risk reason codes, income, employment, cash flow information, your likelihood to make a payment on a given day, and your regular payments (e.g., utilities, rent subscription services)

Inference & Profiling · Company practice

Finicity derives information such as income, payment likelihood and regular payments from your data

Finicity lists providing you with certain information that it derives from your Personal Information, such as your income based on your pay checks. It also lists generating insights such as your income or employment, your likelihood to make a payment on a given day, or your regular payments, in support of services you request from a third party you have authorized to access your information.

Supporting quotations

To provide you with certain information that we derive from your Personal Information, such as your income based on your pay checks;

To generate insights, such as your income or employment, your likelihood to make a payment on a given day, or your regular payments, in support of services you request from a third party who you have authorized to access your information;

Qualifications & exceptions

• The insights are generated in support of services you request from a third party you have authorized to access your information.