Till Financial, inc (“Till” or “we” or “us” or “Company”) deposit accounts are issued by Coastal Community Bank, Member FDIC.  Below are Privacy Notices and Policies applicable to your Till account from Till Financial, inc and Coastal Community Bank.

‍

Gramm Leach Bliley Act (GLBA) Privacy Notice

‍

Till Privacy Policy

This Privacy Policy (“Policy”) has been adopted by Till Financial, Inc. (“Till” or collectively “we” or “our” or “us”) to affirm its commitment to compliance with the applicable privacy laws and regulations. It is the policy of Till to protect consumer and customer personal information that identifies or can reasonably be linked to an individual.

This Policy outlines the regulatory requirements and provides guidelines on Till’s privacy practices, including how Till collects, uses, and discloses your personal information. Till maintains administrative, technical, and physical safeguards designed to protect personal information consistent with applicable law and industry standards. This Policy outlines Till’s practice regarding use of personal information for consumers, those consumers who become our customers, and former customers.

Information Collection, Use, and Sharing

See below for ways in which Till may collect, use, and share information.

Information Collection

Till collects, retains, and uses personal information for the purpose of providing financial solutions and administering account relationships (“Services”). We collect personal information from applications or other forms, which may include but is not limited to surveys and questionnaires. We may also collect information about transactions, information through cookies, and information we receive from consumer reporting agencies. We may also collect information from other sources which include but are not limited to the following:

• Banks and Financial Institutions: You may choose to link a bank account to add money to an account, receive a direct deposit, or other related services. When you link a bank account we receive financial information related to that account, including your account balance, and may also receive transaction history and personal information about the account owner. The amount of information we receive depends on your financial institution's own privacy policy. We use third-party bank account verification providers, such as Plaid Inc. (“Plaid”) and Astra, Inc. (“Astra”), to connect your Till Account with your bank account(s) or debit card. Plaid’s use of your personal information is governed by Plaid’s Privacy Policy. Astra’s use of your personal information is governed by Astra’s Privacy Policy.  We are not responsible for the privacy practices of third-party services, which are governed by their own privacy policies.
• Service Providers and Linked Account Information: We use third-party service providers to perform services for us, including to help us process and authorize your payments and to facilitate ownership of account transfers. By using our Services, you are authorizing us and our third-party service provider(s) to take actions on our behalf such as debiting your account using your selected payment method when you initiate such action.
• Credit Reference Agencies: We use these services that may provide information related to your credit file, such as your credit score, credit inquiries, and payment history.
• Social Media: When you interact with our Services through social media networks, we may receive information about you that you permit the social media network to share. The information we receive is dependent upon your privacy settings within the social media network.
• Job Applicant-related Third Parties: We may receive personal information from job applicant-related third parties, such as job application platforms, your current employer, references, background check providers and recruiters.
• Publicly Available Sources: We may also collect personal information from publicly available sources to, for example, contact you if we are otherwise unable to reach you, or, to send advertising or promotional materials or to personalize our Services.

Types of Information Collected

‍Till collects the following types of personal information:

• Name
• Alias
• Mailing Address
• Email Address
• Telephone Number
• Date of Birth/Age
• Information about you and your computer or mobile device such as such as your hardware model, operating system info, unique device identifier, mobile network information, device performance information, and information about the device’s interaction with our Services. Note that the Till App may periodically recollect this information in order to stay up to date. You can review and change permissions for some information the Till App has access to in your device privacy settings.
• Transaction Information, when you use our Services, including if you give us access to collect your financial information from your other accounts, for example payments into and out of such accounts including the date, time, amount, merchant or beneficiary details, or ATMs associated with the transaction.
• Usage Information, including the electronic path you take to our Services, through our Services and when exiting our Services, as well as your activity information on our Services.
• Location Information. We use your information to protect against fraud. If you have location services in the Till App enabled, we may track your geolocation and your IP address. You can withdraw your consent at any time by disabling location permission for the Till App within your device settings. We may use third-party providers to help provide location-based services through mobile systems and we may make information available to such providers to enable them to provide their location-based services, provided that such third-party providers may use the information only in accordance with this Privacy Policy.

Use of Information - Till uses personal information in ways that align with the purposes for which it was originally requested and collected. For example, Till uses personal information to process customer requests and transactions, provide additional information about products and services, or to evaluate financial needs. Till collects and uses personal information to administer our business and deliver quality service. This may include advising consumers and customers about our products or services, those of our affiliates and our business partners, and other opportunities Till believes may be of interest to our customers.

Retention - We retain personal information for as long as there is a business, legal or regulatory need.

Information Sharing

We do not sell personal information for monetary consideration, but may share personal information as described below. We may share personal information with our affiliates, subsidiaries, other entities under common ownership or control (including entities acquired in the future) with Till, partners, other Till App customers designated by you for the purposes of customer referrals or managing shared pockets, and to third-party service providers for purposes such as risk detection and prevention, customer service, email delivery and other similar services. Till may share your personal information as follows:

• Till uses third-party service providers to assist with providing quality products and services to our customers. We may share personal information we collect with third parties to facilitate the offering, administration, collection, and delivery of products and services under controlled circumstances designed to protect the privacy of our customers. We require third parties to comply with applicable laws and regulations as well as our requirements regarding security and confidentiality of such information.
• There may also be occasions where we are legally required to disclose personal information about our customers, such as in response to a subpoena, to prevent fraud, or to comply with a legally permitted inquiry by a government agency or regulator.
• We may also be required to share personal information in the event of a corporate restructuring (e.g., merger, sale, joint venture, or other disposition).
• We may share personal information we collect with our affiliates, including companies under common ownership or control, for everyday business purposes such as account administration, transaction processing, risk management, and marketing, as permitted by applicable law.
• When we deem it necessary or appropriate to enforce our Privacy Policy and protect the rights, privacy, safety or property of you, Till or others.
• We may also share anonymized or de-identified aggregate information (this means information that is no longer personal information because it is no longer attributable to a specific individual) with third parties to help deliver products, services, and content that are tailored to the users of the Till App and for other purposes. We may also disclose personal information about an individual publicly or to certain third parties with their consent or direction.
• We may share personal information with advertising partners for purposes of cross-context behavioral advertising, as permitted by law.
• For California and Vermont residents, we will not share nonpublic personal information we collect with nonaffiliated third parties, except as permitted by law, such as with your consent or to service your account.

Control Over Your Information

You have the ability to control the way your personal information is used. Below are some ways to manage your personal information with Till.

• Limiting Information Sharing - To the extent required by law, you may have the right to limit certain uses of personal information shared among affiliates and non-affiliates for marketing purposes. Our GLBA Privacy Notice provides information about how you can limit sharing of your personal information. Till provides the GLBA Privacy Notice to all consumers at account opening, enrollment for a new service, if there are material changes to our privacy practices, and annually thereafter, if required by law.
• Updating your Information - Once you have registered for an account, you may be able to update or correct your profile information details and preferences by accessing your account settings through the Till App, or by contacting us.
• Deactivating your Account - We do not delete personal information about you upon deactivation of your account. Although your deactivated status is reflected promptly in our user databases, we may retain the personal information you submit for a variety of purposes, including legal compliance, backups and archiving, prevention of fraud and abuse, and analytics. Upon deactivation, you will no longer receive emails from Till and links to third-party financial accounts and services will automatically terminate. If you have a money transfer transaction pending at the time you deactivate your account, your link to this service from Till will terminate but your pending transfer will continue to completion and your bank account will remain open.
• Correcting Credit Reports - Information related to your creditworthiness is maintained by the credit bureaus. If you find that there is an error or you want to dispute the information found in your credit report, please contact the credit reporting bureaus: Experian, TransUnion, and Equifax.
• Opting-Out of Certain Online Ads - To learn more about interest-based advertising and how you may be able to opt-out of some of this advertising, you can visit the Digital Advertising Alliance (DAA) and/or the Network Advertising Initiative (NAI) at www.aboutads.info/choices or http://www.networkadvertising.org/choices/. You may also be able to limit interest-based advertising through the settings menu on your mobile device by selecting “limit ad tracking” (iOS) or “opt-out of interest-based ads” (Android). You may also be able to opt-out of some — but not all — interest-based advertising served by mobile ad networks by visiting http://youradchoices.com/appchoices and downloading the mobile AppChoices app. Please note: When you opt out of receiving interest-based advertisements, this does not mean you will no longer see advertisements from us. It means that the online ads that you see from DAA program participants should not be based on your interests. We are not responsible for the effectiveness of, or compliance with, any third-parties’ opt-out options or programs or the accuracy of their statements. In addition, third parties may still use cookies to collect information about your use of our online services, including for analytics and fraud prevention as well as any other purpose permitted under the DAA’s Principles.

Artificial Intelligence & External Data Disclosure

The information below outlines the usage of Artificial Intelligence Systems (AIS) and External Consumer Data and Information Sources (ECDIS).

Use of Artificial Intelligence Systems (AIS) and External Consumer Data and Information Sources (ECDIS)

• We use AIS and ECDIS in a variety of ways, including for fraud prevention, to improve the quality and efficiency of the products and services we provide to you.

External Data Usage

• We may obtain and use data about you from external vendors.

Minors

We do not sell financial products to minors, but to adults who may purchase products on behalf of or for the benefit of a minor. If you are under the age of 18, you must share and review this Privacy Policy with your parent or guardian before using our Service. If you are a parent or guardian intending to provide personal information about a minor, please read this Privacy Policy carefully. If you are under 18 years old, you may not register for an account. If you are under 18 years of age please do not use our Service until you have reviewed our Privacy Policy with your parent AND YOUR PARENT SUBMITS AN APPLICATION OR PROVIDES YOUR PERSONALLY IDENTIFIABLE INFORMATION ON YOUR BEHALF. If you believe that we might have any information from or about a child under 18 without parental or guardian consent, please contact us.

Children Under 13. We are committed to complying with the Children's Online Privacy Protection Act of 1998. Our Service is available to children under the age of 13 through parent-managed accounts. We do not collect personal information directly from children under 13. Instead:

• Parents/guardians provide all personal information during account setup.
• Parents/guardians provide verifiable consent for their child's account.
• All account management and data decisions are made by parents/guardians.
• Children interact with the app's functionality but do not provide additional personal information.
• We collect, use and share personal information relating to children under 13 only as provided by parents/guardians and as described in this Privacy Policy.
• Parents/guardians maintain full control over their child's account and data at all times.

The following third parties may collect, receive, or maintain personal information from children in connection with the operation of the Service:

• Auth0 Inc.
• Twilio, Inc.
• Plaid, Inc.
• Amazon Web Services, Inc.
• Sift Science, Inc.
• Iterable
• Snowflake

If you have questions about these third parties’ privacy practices refer to their privacy policy or contact us.

In addition, parents or guardians can contact us to:

• request copies of the personal information we collected about their child;
• direct us to delete the personal information we collected about their child;
• direct us to stop collecting or using personal information regarding their child; and
• prohibit the disclosure of personal information regarding their child to third parties not needed to provide the Service.

Third-Party Online Advertising & Cookies

As you navigate through our websites, certain information can be passively collected (that is, gathered without you actively providing the information) using various technologies and means, such as navigational data collection. Like most website operators, we track IP addresses during your visit and use session, persistent, and flash cookies and may use any other successor tracker technology, like pixels, web beacons, etc. Cookies and other tracking technologies are collectively referred to herein as "digital tracking technologies." We use digital tracking technologies to help identify you when you visit our websites. Our system also automatically gathers information about the areas you visit on our websites and collects operational information about the technology you use, such as your browser, type of computer, operating systems, and Internet service providers.

The collection and use of this information allows us to:

• enhance the operation and functionality of our websites;
• troubleshoot technical problems, including security issues;
• tailor the online content, advertisements, or messages that you see to better match your interests;
• save you time when you use our websites (e.g., remembering your User ID for easy login);
• understand how people generally use our websites and which features are most popular; and,
• analyze our websites' traffic and, in turn, optimize the layout of our websites.

We also collect personal information about users over time and across different websites when you use our websites. We use digital tracking tools to provide you advertising based on interest and to better understand your behaviors and browsing activities. Some third parties gather information passively on our websites, including for behavioral advertising purposes. We partner with third-party ad networks to either display advertising on our website or to manage our advertising on other sites. Our ad network partners use digital tracking technologies to collect information about your activities on our websites and other websites to provide you with targeted advertising based on your interests. Among other technologies, we may use Google Analytics and Google Ads. You can learn more about how those technologies work by visiting "How Google uses information from sites or apps that use our services," located at http://www.google.com/policies/privacy/partners.

Advertising - We participate in interest-based advertising and use third-party advertising companies to serve you targeted advertisements based on your browsing history. We permit third-party online advertising networks, social media companies and other third-party services, to collect information about your use of our online services over time so that they may play or display ads on our Services, on other websites or services you may use, and on other devices you may use. Typically, though not always, the information used for interest-based advertising is collected through tracking technologies, such as cookies, web beacons, embedded scripts, location-identifying technologies, and similar technology, which recognize the device you are using and collect information, including clickstream information, browser type, time and date you visited the Till App, AdID, precise geolocation and other information. We may share a common account identifier (such as a hashed email address or user ID) with our third-party advertising partners to help identify you across devices. We and our third-party partners use this information to make the advertisements you see online more relevant to your interests, as well as to provide advertising-related services such as reporting, attribution, analytics and market research. We may also use services provided by third parties (such as social media platforms) to serve targeted ads to you and others on such platforms. We may do this by providing a hashed version of your email address or other information to the platform provider.

Social Media Widgets and Advertising - Till may use social media platforms like Instagram, Facebook, Twitter, and LinkedIn. We may display targeted advertising to you through these social media platforms. These companies have interest-based advertising programs that allow us to direct advertisements while those users are on the social media platform. We may share a unique identifier, such as a user ID or hashed email address, with these platform providers or they may collect information from our website visitors through a first-party pixel. These activities are governed by the privacy policies of those social media companies that provide them.

Third-Party Partners - We may use third-party analytics on our Services. For example, we use Google Analytics to better understand how you interact with our Services. The information we obtain through our Services may be disclosed to or collected directly by these third parties. To learn more, see Google Analytics.

Cookies - We and our third-party partners may also use cookies and tracking technologies for advertising purposes. Till uses various technologies to collect information, and this may include sending cookies to your computer or mobile device.  “Cookies” are small text files that are stored on your device or hardware by a website. Cookies can be stored on your computer for different periods of time. Some cookies expire after a certain amount of time, or upon logging out (session cookies), others survive after your browser is closed until a defined expiration date set in the cookie (as determined by the third party placing it), and help recognize your computer when you open your browser and browse the Internet again (persistent cookies). For more details on cookies please visit All About Cookies (https://www.allaboutcookies.org/).

On most web browsers, you will find a “help” section on the toolbar. Please refer to this section for information on how to receive a notification when you are receiving a new cookie and how to turn cookies off. Please refer to this section for guidance on how to modify your web browser’s settings.  Please note that if you limit the ability of websites to set cookies, you may be unable to access certain parts of the Site and you may not be able to benefit from the full functionality of the Site.

Advertising networks may use cookies to collect personal information. Most advertising networks offer you a way to opt out of targeted advertising. If you would like to find out more information, please visit the Network Advertising Initiative’s online resources at http://www.networkadvertising.org and follow the opt-out instructions there.

If you access the Site on your mobile device, you may not be able to control tracking technologies through the settings.

• Email Pixels - We use pixels in our email campaigns that allow us to collect your email and IP address as well as the date and time you open an email or click on any links in the email.
• Analytics - We may also use analytics tools such as Google Analytics to collect information regarding visitor behavior and visitor demographics on our Site and develop website content.  This data is not tied to any personal information.   For more information on how Google uses this data, go to www.google.com/policies/privacy/partners/.  You can opt out of Google’s collection and processing of data generated by your use of the Site by going to http://tools.google.com/dlpage/gaoptout.

Online Tracking and “Do Not Track” Signals - We and our third-party service providers, including Facebook, may use cookies, pixels, or other tracking technologies to collect information about your browsing activities over time and across different websites following your use of the Site and use that information to send targeted advertisements. We do not respond to legacy “Do Not Track” signals. However, we recognize browser-based opt-out signals, such as the Global Privacy Control, where required by applicable law.

Affiliates

Our affiliates include companies with the Western & Southern name; financial companies such as The Western and Southern Life Insurance Company, Western-Southern Life Assurance Company, Western & Southern Agency, Inc., W&S Brokerage Services, Inc., W&S Wealth Solutions, Inc., W&S Advisory Services, LLC, Columbus Life Insurance Company, The Lafayette Life Insurance Company, The Lafayette Life Insurance Agency, Inc., Gerber Life Insurance Company, Gerber Life Agency, LLC, Integrity Life Insurance Company, National Integrity Life Insurance Company, W&S Financial Group Distributors, Inc., IFS Financial Services, Inc., Touchstone Securities, Inc., Touchstone Advisors, Inc., Fort Washington Investment Advisors, Inc., Eagle Realty Capital Partners, LLC, Eagle Realty Group, LLC and Fabric Technologies, Inc.

Contact Us

To contact us: submit a request via email to support@tillfinancial.com or call us at (424) 377-8615.

‍

This Privacy Policy was last updated on August 28, 2026. The Privacy Policy may be modified occasionally and we will post modifications on this website as we implement them.  We encourage you to check periodically for updates.