Privacy Policy
Last Updated: November 2025
Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.
The types of personal information we collect and share depend on the product or service you have with us. This information is captured through our website and can include:
- Social Security Number, income, net worth, and financial history
- Account Balances and Account Number
- Information about your investment goals and resources
When you are no longer our customer, we continue to share your information as described in this notice.
All financial companies need to share customers' personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers' personal information; the reasons Kubence chooses to share; and whether you can limit this sharing.
Reasons We Can Share Your Personal Information
| Reasons we can share your personal information | Does Kubence share? | Can you limit this sharing? |
|---|---|---|
| For our everyday business purposes - such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or at your request to other service providers you identify to us acting on your behalf. | Yes | No |
| For our marketing purposes - to offer our products and services to you | Yes | No |
| For joint marketing with other financial companies | No | We don't share |
| For our affiliates' everyday business purposes - information about your transactions and experiences | No | We don't share |
| For our affiliates' everyday business purposes - information about your creditworthiness | No | We don't share |
| For non-affiliates to market to you | No | We don't share |
Who We Are
| Who is providing this notice? | Kubence LLC |
What We Do
| How does Kubence protect my personal information? | To protect your personal information from unauthorized access and use, we use security measures that comply with state and federal law. These measures include computer safeguards and secured files and buildings. |
| How does Kubence collect my personal information? |
We collect your personal information, for example, when:
|
| Why can't I limit all sharing? |
Federal law gives you the right to limit only:
State laws and individual companies may give you additional rights to limit sharing. |
Definitions
| Affiliates |
Companies related by common ownership or control. They can be financial and nonfinancial companies.
|
| Non-affiliates |
Companies not related by common ownership or control. They can be financial and nonfinancial companies.
|
| Joint marketing |
A formal agreement between non-affiliated financial companies that together market financial products or services to you.
|
Other Important Information
Information for California Customers
In response to California law, we automatically treat accounts with California billing addresses as if you do not want to disclose personal information about you to non-affiliated third parties except as permitted by applicable California law. We will also limit the sharing of personal information about you with our affiliates to comply with all California privacy laws that apply to us.