contact us by email at email@example.com.
Step Exchange (collectively, “StepEx”, “we”, “us”, “our”) are committed to your privacy (as the
“Visitor”) and security online. This policy describes the ways we collect, use, share and protect your
personal information in connection with your use of stepex.co and any of its subdomains (the “Site”) and
the products and services offered on the Site by StepEx and other third parties that StepEx has
partnered with. Information is collected through the Site by StepEx in its capacity as servicer and
administrator to StepEx and certain other third party financial partners on whose behalf it is acting.
By accessing, using our Service, or registering on the Site, you signify that you have read, understood
and agree to our collection, storage, use and disclosure of your personal information as described in
StepEx and how it is used.
What Information we collect
The types of personal information we collect depends on the products and services you use. The
- Your contact information such as your name, address, phone, and email;
- Your date of birth, your credit history, and other information provided by consumer reporting
agencies, your payment history and other information about you we access to verify your identity,
manage risk, and offer personalised recommendations;
- about your education, such as your degree, your university, your major(s), and your grades
including your university transcript, and your personal interests;
- Information so we can process your payments such as your bank account numbers and bank account
- Information about your employer, current income, assets and certain expenses, including with respect
to your employment, employment offers, bank account credentials and transaction information, tax
returns, brokerage statements, and pay stubs;
- Information about you when you visit the Site, including information submitted by you or our other
customers when interacting with the Site’s features and using its online communication features.
Like many other Web sites, this Site makes use of log files. Log file information is automatically
by your browser or mobile device each time you access the Site. The information inside the log files
includes internet protocol (IP) addresses, type of browser, Internet Service Provider (ISP), date/time
stamp, referring/exit pages, and number of clicks to analyse trends, administer the site, track user’s
movement around the site, and gather demographic information. IP addresses, and other such information
not linked to any information that is personally identifiable.
How we collect information
We collect information about you:
- From you when you register on the Site, use the Site, apply for funding or to be a investor, and
from your transactions, including your security purchases, repayments, account funding and
withdrawals, and your communications with us; and,
- From third parties such as credit bureaus, identity verification services and other public records
Why we collect information
We collect this information from you in order to:
- provide you and other customers with access to the products and services offered through the Site,
- provide notices and other information to you about, or in connection with, these products and
- provide customer support,
- protect against fraud, fulfill legal requirements and enforce our agreements, and
- provide, maintain, develop and improve our services, your experience, and to protect StepEx and its
Cookies and Web Beacons
Although you may not opt out of receiving online advertisements generally, you may control the
collection of data by third party advertisers on our Site used for targeted advertising during your
visits to other websites. To opt-out of this data collection for targeted advertising on other sites,
visit the Network Advertising Initiative.
information about the pages the user accesses or visits, customise Web page content based on the
visitor’s browser type, or other information that a visitor sends via their browser.
These third-party ad servers or ad networks use technology to the advertisements and links that appear on
the Site send directly to your browsers. They automatically receive your IP address when this occurs.
networks to measure the effectiveness of their advertisements and/or to personalise the advertising
content that you see. For example, certain partners (such as Google Analytics) may collect incoming IP
addresses of visitors to our Site to avoid double counting the number of new members who joined as a
result of an advertising campaign.
The Site has no access to or control over these cookies that are used by third-party advertisers.
You should consult the respective privacy policies of these third-party ad servers for more detailed
information on their practices as well as for instructions about how to opt-out of certain practices.
advertisers or web sites.
More detailed information about cookie management with specific web browsers can be found at the
browsers’ respective websites.
How we protect your information and use
We protect your personal information from unauthorized access and use by maintaining physical, electronic
and procedural safeguards in compliance with applicable law. These measures include computer safeguards
and secured files and buildings. We authorize our employees to get your information only when they need
it to do their work, and we require companies that work for us to protect your information.
When you access the Site or content or use the products or services available through the Site, we (or
companies we work with) may place small data files called cookies or pixel tags on your computer or
other device. We use these technologies to recognize you as a customer; customize our services, content
and advertising; collect information about your computer or other access device to mitigate risk; help
prevent fraud; and improve our products and services.
You are free to decline our cookies if your
browser or browser add-on permits, but doing so may interfere with your use of the Site. The help legal
section of most browsers or browser add-ons provides instructions on blocking, deleting or disabling
cookies. However, certain partners may collect incoming IP addresses in connection with your visits to
our Site, for example, to avoid double counting the number of new members who joined as a result of an
In the event that any of your information that we control is compromised as a result of a breach of
security, we will take reasonable steps to investigate the situation and, where appropriate, notify you
and take other steps in accordance with any applicable laws and regulations.
Upon termination or deactivation of your StepEx account on the Site, we may retain your profile
information and user content and information for backup, archival, or audit purposes.
How you can access or change your personal
You can review and edit some of your personal information at any time by logging into our website.
If you'd like to exercise any of your data protection rights please contact us via email or phone
We do not knowingly collect or solicit any information from anyone under the age of 13 or knowingly allow
such persons to register as users. The Site and its content are not directed at children under the age
of 13. If we learn that we have collected personal information from a child under age 13, we will delete
that information as quickly as possible. If you believe that we might have any information from a child
under 13, please contact us at firstname.lastname@example.org.
We may amend this policy from time to time to reflect the changes in our business and practices, and so
you should review this page periodically. The revised version will be effective at the time we post it.
If we make a material change we will notify you of the changes by posting a Policy Update and update the
‘last modified’ date at the top of this page.