Exhibit D — In re Plaid Inc. Privacy Litigation (Dkt. 113-5, N.D. Cal. No. 4:20-cv-03056)

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U.S. District Court for the Northern District of California · No. 4:20-cv-03056-DMR · Doc. 113-5 · 2020-12-11 · Docket on CourtListener

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EXHIBIT D 
 
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OVERVIEW 
As with everything we do, we have tried to simplify an overly complex 
process and make our Terms of Use and Privacy Policy as reader-
friendly as possible. However, (contrary to the simplicity of our API) some 
complexities of the legal process persist in these documents. As you 
read and have questions, please do not hesitate to contact us. 
Last updated on August 26th, 2015 
Welcome to Plaid! We created the Plaid service to make it easy for 
developers to build applications that connect with banks and credit cards. 
These Terms of Use set forth here constitute a legally binding agreement 
between Plaid Technologies, Inc. ("Plaid", "we", "us" or "our") and the 
individual(s), application, service, or business named on the registration 
page or API License Agreement ("you", "your", "user", or "client"). By 
registering with us on our website ("Site"), our API License Agreement, or 
by using our service in any way - you agree to these Terms of Use and 
all other operating rules, policies and procedures that will be published 
from time to time on the Site. The Site and Plaid service will be referred 
to together as the "Service". 
TERMS OF USE 
Plaid Services 
The Service enables applications to connect with end-user-authorized 
data from financial institutions including banks, card issuers, and card 
networks ("financial institutions"). Further, we attempt to structure, 
normalize, and cleanse the data we return to the client into a concise and 
highly functional format. Plaid currently supports financial institutions in 
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the United States. We are neither a bank, money service business, nor 
payment processor - and we do cannot assume any liability for the 
products or services that are built using our service. 
Our services are accessible using the Plaid API and related tools made 
available on this site and on our page on GitHub. Plaid makes no 
warranty for use of these services, which are provided "as-is" (see our 
disclaimer). You assume all risk for use of these services, as we cannot 
guarantee data quality, uptime, or other relative metrics. Our service is 
built to help you connect with end users' personal and financial 
information (such as from third party banks) ("End User Data"), and it is 
your responsibility to obtain your end-users' consent in compliance with 
the applicable legal requirements and rules. Further, use of our services 
for anything other than what is named in these Terms of Use or our 
Privacy Policy is prohibited. 
Registration 
The Service is made available under these Terms of Use to individuals or 
businesses to collect End User Data. To sign up for the Service, you 
must create an account ("Account") by registering using our registration 
page or our API License Agreement and providing basic information 
including your name, company name, location, email address, 
company/site URL, and phone number. You must provide accurate and 
complete information and keep your Account information updated. It is 
your responsibility to maintain access to your account; you may never 
share your account information with a third party or allow any other 
application or service to act as you. 
By accepting these Terms of Use, you confirm that you, your business, 
your employees, and any others relating to you adhere to all local laws 
and regulations, especially those pertaining to financial and personally 
identifiable data. 
Customer Service 
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We will provide customer service to help resolve any issues relating to 
your Account, our services, and the other use of our software. The extent 
and nature of such customer service may be determined by Plaid in its 
sole and absolute discretion. You, and you alone, are responsible for 
providing all customer service to your end-users for any and all issues 
relating to your product and services, including but not limited to issues 
relating to the Service. For questions on how to contact Plaid support, 
please see our -~-l.'P-ROrt Rag~_. 
General Services Content 
You agree that the Service contains information and other content 
specifically provided by Plaid or its partners and that such content is 
protected by copyrights, trademarks, service marks, patents, trade 
secrets or other proprietary rights and laws. For clarity, this section does 
not apply to end User Data. Except as expressly authorized by Plaid in 
writing, you shall not sell, license, rent, modify, distribute, copy, 
reproduce, transmit, publicly display, publicly perform, publish, adapt, edit 
or create derivative works from such content. However, Plaid hereby 
grants you a limited, revocable, non-sublicensable license to reproduce 
and display such content (excluding any software code); provided, that 
you retain all copyright and other proprietary notices contained therein. 
Reproducing, copying or distributing any such content, including any 
materials or design elements on the Service, for any other purpose is 
strictly prohibited without the express prior written permission of Plaid. 
Your Security Obligations 
We cannot guarantee the security of our users' applications. We reserve 
the right to terminate a user without notice if we suspect that they are at 
risk of a security breach. While we cannot ensure that our users follow all 
the necessary security protocols, we strongly recommend that you 
adhere to the following minimum security protocols: 
• 
Use of PCI compliant servers 
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Use of HTTPS for all API requests (non-HTTPS requests are 
currently disabled) 
• 
Do not store end-user credentials or other sensitive personally 
identifiable information 
• 
Encryption of your client ID and secret in all storage and 
communication 
It is your responsibility to maintain the security of your account 
information, including your Client Identification Number ("client ID") and 
Client Secret ("secret"). You must notify us immediately of any breach of 
security or unauthorized use of your Account. You may never publish, 
distribute or share your Client ID or Secret. 
Prohibited Uses 
You are responsible for all of your (and your end users') activity in 
connection with the Service. You shall not (and shall not permit any other 
party to) either (a) take any action or (b) upload, download, post, submit 
or otherwise distribute or facilitate distribution of any content on or 
through the Service, that: 
• 
infringes any patent, trademark, trade secret, copyright, right of 
publicity or other right of any other person or entity or violates any 
law or contractual duty; 
• 
is unlawful, threatening, abusive, harassing, defamatory, 
libelous, deceptive, fraudulent, invasive of another's privacy, 
tortious, obscene, vulgar, pornographic, offensive, profane, 
contains or depicts nudity, contains or depicts sexual activity, or is 
otherwise inappropriate as determined by us in our sole discretion; 
• 
contains software viruses or any other computer codes, files, or 
programs that are designed or intended to disrupt, damage, limit or 
interfere with the proper function of any software, hardware, or 
telecommunications equipment or to damage or obtain 
unauthorized access to any system, data, password or other 
information of ours or of any third party; 
• 
impersonates any person or entity, including any of our 
employees or representatives; or 
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includes anyone's identification documents or sensitive financial 
information. 
The Service may only be used by you to interact directly with your end-
users. You will not resell other otherwise distribute the Service. In 
accepting these Terms of Use, you agree to use the Service for the 
purposes for which it is provided by us and not for competitive 
evaluation, spying, copying, or other nefarious purposes. 
You shall not (directly or indirectly): (i) decipher, decompile, disassemble, 
reverse engineer or otherwise attempt to derive any source code or 
underlying ideas or algorithms of any part of the Service (including 
without limitation any application), except to the limited extent applicable 
laws specifically prohibit such restriction, (ii) modify, translate, or 
otherwise create derivative works of any part of the Service, or (iii) copy, 
rent, lease, distribute, or otherwise transfer any of the rights that you 
receive hereunder. You shall abide by all applicable local, state, national 
and international laws and regulations. 
You shall not: (i) take any action that imposes or may impose (as 
determined by us in our sole discretion) an unreasonable or 
disproportionately large load on our (or our third party providers') 
infrastructure; (ii) interfere or attempt to interfere with the proper working 
of the Service or any activities conducted on the Service; (iii) bypass, 
circumvent or attempt to bypass or circumvent any measures we may 
use to prevent or restrict access to the Service (or other accounts, 
computer systems or networks connected to the Service); (iv) run any 
form of auto-responder or "spam" on the Service; (v) use manual or 
automated software, devices, or other processes to "crawl" or "spider" 
any page of the Site; (vi) harvest or scrape any content from the 
Services; or (vii) otherwise take any action in violation of our guidelines 
and policies. 
Suspicion 
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We reserve the right to withhold our services in their entirety or in part 
where we believe they are being used in violation of these Terms of Use, 
any other Plaid agreement, or pose a risk to the end-user, client, or Plaid 
itself. Under the terms of these Terms of Use, you are granting us 
authorization to share information with law enforcement about you, your 
transactions, your Plaid account, or your end users if we reasonably 
suspect that your use of the Service has been for an unauthorized, 
illegal, or criminal purpose. 
Privacy And End User Data 
For our privacy policies, please see our Privacx PolicY-. If you produce an 
end user-facing product (such as a mobile application) using the Service, 
the following applies: 
Your product must maintain a clear and conspicuous link in its privacy 
policy to Plaid's Privacy Policy. Such link must include a clear and 
conspicuous statement that each end user acknowledges and agrees 
that information will be treated in accordance with such policy. You will 
ensure that each end user is put on notice of, and agrees to, such policy 
prior to engaging with your product in a manner that uses the Service. In 
addition, your product's end user agreement must include an express 
authorization by the end user expressly granting Plaid the right, power 
and authority to (acting on behalf of such end user) access and transmit 
the End User Data as reasonably necessary for Plaid to provide the 
Service to such end user. All of the foregoing must be done in a form and 
manner that is acceptable to Plaid. You will immediately make any 
changes requested by us. 
Payments And Billing 
Certain aspects of the Service may be subject to payments now or in the 
future (the "paid services"). Please note that any payment terms 
presented to you in the process of using or signing up for a paid service 
are deemed part of these Terms of Use. 
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We may use a third-party payment processor to bill you through a 
payment account linked to your account on Plaid (your "billing account") 
for use of the paid services. The processing of payments will be subject 
to the terms, conditions and privacy policies of the payment processor in 
addition to these Terms of Use. We are not responsible for error by the 
payment processor. By choosing to use paid services, you agree to pay 
us, through the payment processor, all charges at the prices then in 
effect for any use of such paid services in accordance with the applicable 
payment terms and you authorize us, through the payment processor, to 
charge your payment provider (your "payment method"). You agree to 
make payment using that selected payment method. We reserve the 
right to correct any errors or mistakes that it makes even if it has already 
requested or received payment. 
The terms of your payment will be based on your payment method and 
may be determined by agreements between you and the financial 
institution, credit card issuer or other provider of your payment method. If 
we, through the payment processor, do not receive payment from you, 
you agree to pay all amounts due on your billing account upon demand. 
Some of the paid services may consist of recurring period charges as 
agreed to by you. By choosing a recurring payment plan, you 
acknowledge that such services have an initial and recurring payment 
feature and you accept responsibility for all recurring charges prior to 
cancellation. We may submit periodic charges (e.g., monthly) without 
further authorization from you, until you provide notice (receipt of which is 
confirmed by us) that you have terminated this authorization or wish to 
change your payment method. Such notice will not affect charges 
submitted before we reasonably could act. 
You must provide current, complete and accurate information for your 
billing account. You must promptly update all information to keep your 
billing address current, complete and accurate, and must promptly notify 
us or your payment processor if your payment method is canceled (e.g., 
for loss or theft) or if you become aware of a potential breach of security. 
If you fail to provide any of the foregoing information, you agree that we 
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may continue charging you for any use of paid services under your billing 
account unless you have terminated your paid services as set forth 
above. 
If the amount to be charged to your billing account varies from the 
amount you preauthorized (other than due to the imposition or change in 
the amount of state sales taxes), you have the right to receive, and we 
shall provide, notice of the amount to be charged and the date of the 
charge before the scheduled date of the transaction. Any agreement you 
have with your payment provider will govern your use of your payment 
method. You agree that we may accumulate charges incurred and submit 
them as one or more aggregate charges during or at the end of each 
billing cycle. 
Your non-termination or continued use of a paid service reaffirms that we 
are authorized to charge your payment method for that paid service. We 
may submit those charges for payment and you will be responsible for 
such charges. This does not waive our right to seek payment directly 
from you. Your charges may be payable in advance, in arrears, per 
usage, or as otherwise described when you initially selected to use the 
paid service. 
Indemnification 
You shall defend, indemnify, and hold harmless Plaid, our affiliates and 
each of our and their respective employees, contractors, directors, 
suppliers and representatives from all damages, losses, liabilities, claims, 
and costs and expenses, including all attorneys' fees, that arise from or 
relate to: (i) your use or misuse of, or access to, the Service, (ii) your 
violation of these Terms of Use, (iii) any content, information or materials 
provided by you or any or your end users, (iv) disputes or issues your 
end users may have with respect to you or any of your products or 
services or content, (v) disputes or issues your end users may have with 
respect to any End User Data (including, without limitation, with respect 
to the timeliness, accuracy or completeness thereof), or (vi) infringement 
by you, or any third party using your account or identity in the services, of 
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any intellectual property or other right of any person or entity. We reserve 
the right to assume the exclusive defense and control of any matter 
otherwise subject to indemnification by you, in which event you will assist 
and cooperate with us in asserting any available defenses. 
References 
You agree that, during the time you are a registered Service user, we 
may identify you as a customer of Plaid (including, without limitation, on 
the Site and in promotional materials). 
Termination 
We may terminate or suspend your access to all or any part of the 
Service at any time, with or without cause, with or without notice, 
effective immediately. If you wish to terminate your account, you may do 
so by following the instructions on the Site. Any fees paid hereunder are 
non-refundable. All provisions of these Terms of Use, which by their 
nature should survive termination, shall survive termination, including, 
without limitation, ownership provisions, warranty disclaimers, indemnity 
and limitations of liability. 
Limitation On Liability 
IN NO EVENT SHALL PLAID, ITS OFFICERS, DIRECTORS, 
EMPLOYEES, AGENTS, VENDORS OR SUPPLIERS BE LIABLE 
UNDER CONTRACT, TORT, STRICT LIABILITY, NEGLIGENCE OR ANY 
OTHER LEGAL THEORY WITH RESPECT TO THE APPLICATION: (I) 
FOR ANY LOST PROFITS OR SPECIAL, INDIRECT, INCIDENTAL, 
PUNITIVE, OR CONSEQUENTIAL DAMAGES OF ANY KIND 
WHATSOEVER, EVEN IF FORESEEABLE, (II) FOR ANY BUGS, 
VIRUSES, TROJAN HORSES, OR THE LIKE (REGARDLESS OF THE 
SOURCE OF ORIGINATION), OR (111) FOR ANY DIRECT DAMAGES IN 
EXCESS OF (IN THE AGGREGATE) $100.00 (U.S.) (PROVIDED THAT, 
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IF YOU ARE A PAYING USER OF THE SERVICE, SUCH AMOUNT 
SHALL BE CAPPED AT THE AMOUNTS PAID BY YOU TO PLAID 
DURING THE THREE (3) MONTH PERIOD IMMEDIATELY PRIOR TO 
THE DATE THE CAUSE OF ACTION ACCRUED). THE FOREGOING 
LIMITATIONS SHALL NOT APPLY TO THE EXTENT PROHIBITED BY 
APPLICABLE LAW. 
Disclaimers 
THE SERVICE IS PROVIDED ON AN "AS IS" BASIS, WITHOUT 
WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, 
INCLUDING, WITHOUT LIMITATION, IMPLIED WARRANTIES OF 
MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE OR 
NON-INFRINGEMENT. PLAID MAKES NO WARRANTY THAT (I) THE 
SERVICE IS FREE OF VIRUSES OR OTHER HARMFUL 
COMPONENTS, OR (II) THE RESULTS OF USING THE SERVICE WILL 
MEET USER'S REQUIREMENTS. IN ADDITION, PLAID MAKES NO 
WARRANTY THAT ANY END USER DATA WILL BE TIMELY, 
ACCURATE OR COMPLETE. THE FOREGOING DISCLAIMERS SHALL 
NOT APPLY TO THE EXTENT PROHIBITED BY APPLICABLE LAW. 
Modification 
We reserve the right, in our sole discretion, to modify or replace any of 
these Terms of Use, or change, suspend, or discontinue an aspect of the 
Service at any time by posting a notice on the Site or by sending you 
notice through the Service, via e-mail, as an account notification, or by 
another appropriate means of electronic communication. We may also 
impose limits on certain features and services or restrict your access to 
parts or all of the Service without notice or liability. While we will timely 
provide notice of modifications, it is also your responsibility to check 
these Terms of Use periodically for changes. Your continued use of the 
services following notification of any changes to these Terms of Use 
constitutes acceptance of those changes. 
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Miscelaneous 
The failure of either party to exercise in any respect any right provided for 
herein shall not be deemed a waiver of any further rights hereunder. 
Plaid shall not be liable for any failure to perform its obligations 
hereunder where such failure results from any cause beyond Plaid's 
reasonable control, including, without limitation, mechanical, electronic or 
communications failure or degradation (including "line-noise" 
interference). If any provision of these Terms of Use is found to be 
unenforceable or invalid, that provision shall be limited or eliminated to 
the minimum extent necessary so that these Terms of Use shall 
otherwise remain in full force and effect and enforceable. These Terms of 
Use are not assignable, transferable or sublicensable by you except with 
our prior written consent. Plaid may transfer, assign or delegate these 
Terms of Use and its rights and obligations without consent. These Terms 
of Use shall be governed by and construed in accordance with the laws 
of the state of California, as if made within California between two 
residents thereof, and the parties submit to the exclusive jurisdiction and 
venue of the state and Federal courts located in San Francisco, 
California. Notwithstanding the foregoing sentence, (but without limiting 
either party's right to seek injunctive or other equitable relief immediately, 
at any time, in any court of competent jurisdiction), any disputes arising 
with respect to these Terms of Use shall be settled by arbitration in 
accordance with the rules and procedures of the Judicial Arbitration and 
Mediation Service, Inc. ("JAMS"). The arbitrator shall be selected by joint 
agreement of the parties. In the event the parties cannot agree on an 
arbitrator within thirty (30) days of the initiating party providing the other 
party with written notice that it plans to seek arbitration, the parties shall 
each select an arbitrator affiliated with JAMS, which arbitrators shall 
jointly select a third such arbitrator to resolve the dispute. The written 
decision of the arbitrator shall be final and binding on the parties and 
enforceable in any court. The arbitration proceeding shall take place in 
San Francisco, California using the English language. Both parties agree 
that these Terms of Use are the complete and exclusive statement of the 
mutual understanding of the parties and supersedes and cancels all 
previous written and oral agreements, communications and other 
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understandings relating to the subject matter of these Terms of Use, and 
that all modifications must be in a writing signed by both parties, except 
as otherwise provided herein. No agency, partnership, joint venture, or 
employment is created as a result of these Terms of Use and you do not 
have any authority of any kind to bind Plaid in any respect whatsoever. 
Last updated November 11th, 2013 
PRIVACY POLICY 
Scope 
We at Plaid Technologies, Inc. ("we", "us" or "our") know you care about 
how your personal information is used and shared - and we take your 
privacy seriously. This privacy policy ("Privacy Policy") covers our 
treatment of personally identifiable information ("Personal Information"), 
and certain non-personally identifiable information, that we gather when 
you use or otherwise engage (via mobile application, web browsing or 
otherwise) with our website or services (collectively, the "Service"). It 
describes what types of information we collect, how we use that 
information, and who we share that information with. 
By using or accessing the Service in any manner, you acknowledge that 
you accept and agree to the terms, practices and policies outlined in this 
Privacy Policy, and you hereby consent that we may collect, use, and 
share your information as set forth below. By using or accessing the 
Service in any manner, you acknowledge that you accept and agree to 
the terms, practices and policies outlined in this Privacy Policy, and you 
hereby consent that we may collect, use, and share your information as 
set forth below. 
This policy does not apply to any website, product or service of any third-
party company even if the website or application links to (or from) the 
Service. Plaid does not operate those websites, products, or services -
please always review the privacy practices of a company before deciding 
whether to provide any information to them. 
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Overview 
Terms Of Use 
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Information We Collect 
In general, we collect information in a number of ways, including (i) when 
a client or end-user provides it directly to us via the Website and/or 
Service, (ii) when we obtain end-user information through trusted third 
parties including financial institutions, (iii) through your continued access 
of the Service, including data passively collected through technology 
such as "cookies". The types of information we collect and our use of that 
information will depend on whether you are a Website Visitor, Client, or 
End-User. 
By signing up for the Service, whether directly on our site, with one of the 
third-party applications that uses our software, or by any other means, 
you consent to these terms. Some features of the Service allow you to 
provide content, including financial credentials and information, to the 
Service. All content submitted by you to the Service or collected on your 
behalf from a third-party (e.g., client) application or a financial institution 
(e.g., a bank) may be retained by us indefinitely, even after you terminate 
your account. We may continue to disclose such content to third parties 
in a manner that does not reveal Personal Information, as described in 
this Privacy Policy 
Cookies and IP Addresses 
We automatically receive and record information from your web browser 
when you interact with the Service, including your IP address and cookie 
information. This information is used for fighting spam/malware and also 
to facilitate collection of data concerning your interaction with the Service 
(e.g., what links you have clicked on). Generally, the Service 
automatically collect usage information, such as the number and 
frequency of visitors to the Site. We may use this data in aggregate form, 
that is, as a statistical measure, but not in a manner that would identify 
you personally. This type of aggregate data enables us and third parties 
authorized by us to figure out how often individuals use parts of the 
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Overview 
Terms Of Use 
PrivaCY. PoliCY. 
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Information We 
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Personal Information 
Sharing And 
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Service so that we can analyze and improve them. We may also receive 
a confirmation when you open an email from us. We use this 
confirmation to improve our customer service. 
Cookies are pieces of text that may be provided to your computer 
through your web browser when you access a website. Your browser 
stores cookies in a manner associated with each website you visit. We 
use cookies to enable our servers to recognize your web browser and tell 
us how and when you visit the Site and otherwise use the Service 
through the Internet. Our cookies do not, by themselves, contain 
Personal Information, and we do not combine the general information 
collected through cookies with other Personal Information to tell us who 
you are. As noted, however, we do use cookies to identify that your web 
browser has accessed aspects of the Service and may associate that 
information with your Account if you have one. Most browsers have an 
option for turning off the cookie feature, which will prevent your browser 
from accepting new cookies, as well as (depending on the sophistication 
of your browser software) allowing you to decide on acceptance of each 
new cookie in a variety of ways. We strongly recommend that you leave 
cookies active, because they enable you to take advantage the most 
attractive features of the Service. This Privacy Policy covers our use of 
cookies only and does not cover the use of cookies by third parties. We 
do not control when or how third parties place cookies on your computer. 
For example, third party websites to which a link points may set cookies 
on your computer. 
Website Visitors 
To simply browse our Website, you are not required to provide any 
Personal Information. However, we may gather non-personally-
identifiable information, as described directly above, just for the purposes 
of monitoring and improving our Website and the Service. We will not 
share this information with third parties except as a necessary part of 
providing our Website and the Service, nor will we use it to target any 
advertisements to you. Of course, if you sign up with or use any of our 
services, more information is shared. 
Clients 
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Overview 
Terms Of Use 
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Information We 
Collect 
How We Use 
Personal Information 
Sharing And 
Disclosure 
Protection Of 
Information 
!:!Rdates 
• Information From 
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Plaid: Terms and Privacy 
When you use Plaid services as a client, whether paid or unpaid, we will 
gather and store your name, company name, email address, phone 
number, billing address, and any other relevant information that you 
provide directly to us. Any and all test and/or live users that sign up as an 
end-user of your services fall under the end-user category. If you sign up 
for a paid account, we will also store the relevant data required to 
complete your transaction, including but not limited to your financial 
information, bank account numbers, routing numbers, billing address and 
company name. We may also rely on a third-party payment processor to 
complete transactions, and all data shared with them falls under their 
own privacy policies. Further, we will collect and associate all relevant 
end-user data with your client account, including but limited to end-user 
names, email addresses, billing addresses and financial information. We 
may additionally collect information on the IP addresses, devices, and 
locations used to access Plaid, which may be linked to your account for 
fraud detection and prevention purposes. Finally, we may collect 
additional data for identity verification on an as-needed based 
determined at our own sole discretion. 
End-Users 
As an end-user of any application that utilizes the Service, whether via a 
client or other third-party, directly via use of our API or other services, or 
through an application built by us directly, you are agreeing to share 
financial information with us including, but not limited to, your account 
credentials, transactional histories, account numbers, and balances/limits 
as well as general identity data including names and addresses of all 
account holders. You are enabling us to interact with and through your 
financial institutions on your behalf and with your consent. We may also 
retrieve information pertaining to usage of our client applications and 
other general activity that comes through use of the Service. 
We collect statistical information about how both unregistered and 
registered users, collectively, use the Service ("Aggregate Information"). 
Some of this information is derived from Personal Information. This 
statistical information is not Personal Information and cannot be tied back 
to you, your Account or your web browser. 
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Terms Of Use 
PrivaCY. PoliCY. 
ScoRe 
Information We 
Collect 
How We Use 
Personal Information 
Sharing And 
Disclosure 
Protection Of 
Information 
!:!Rdates 
• Information From 
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Plaid: Terms and Privacy 
How We Use Personal Information 
Plaid uses your Personal Information as follows: 
• 
To operate and maintain the Service (such as, overall operating 
and maintenance, providing customer service, fixing malfunctions, 
testing our security systems, etc.). 
• 
To provide you with the features, functions and benefits of the 
Service (such as, displaying to information regarding your financial 
accounts). 
• 
To enhance, improve, add to and further develop the Service 
(such as, creating new features or functions, refining or 
personalizing the user experience, increasing Service technical 
performance, etc.). 
• 
We will use your contact information (such as, your email 
address or phone number) to provide you with Service 
notifications. 
• 
To help personalize the Service experience for you (such as, 
remembering your information so you will not have to enter it each 
time you use the Service or providing you with offers, 
advertisements or features you may like). 
• 
And for the other purposes referenced in the "Sharing and 
Disclosure" section below (such as, for the purposes of legal 
compliance). 
Sharing And Disclosure 
Plaid does not sell or rent any personal information to marketers or third 
parties that have not been explicitly authorized (e.g., in the case of a 
client). 
We may share your Personal Information with trusted third parties who 
are integral to the operation of our Website and the Service, including but 
not limited to financial institutions, payment processors, verification 
services and credit bureaus, as well as any third parties that you have 
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Personal Information 
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directly authorized to receive your Personal Information. We may store 
your Personal Information in locations outside the direct control of Plaid, 
for instance, on servers or databases co-located with hosting providers. 
If you authorize an application to access your Plaid account, you 
acknowledge that we may share financial information with the third party 
that provides the authorized application. The use of your information by 
such third party will be subject to their applicable privacy policy, which 
you should carefully review. 
We may disclose your Personal Information to law enforcement, 
government officials, or other third parties if: (i) we are compelled to do 
so by subpoena, court order or other legal process, (ii) we must do so to 
comply with laws, statutes, rules or regulations, including credit card 
rules, (iii) we believe in good faith that the disclosure is necessary to 
prevent physical harm or financial loss, to report suspected illegal 
activity, or to investigate violations of our Terms of Use. 
We will only disclose your Personal Information in response to such a 
request if we believe in good faith that doing so is necessary to comply 
with applicable law or a legal obligation to which we are bound. If we 
receive such a request, we will use reasonable efforts to give you prompt 
notice, so that you may contest it if you choose. We will not provide you 
such notice if we determine in good faith that either (a) we are not 
permitted to provide it under applicable law, or (b) that doing so would 
result in an imminent risk of death, serious physical injury or significant 
property loss or damage to Plaid or a third party. In addition, in the event 
of a merger, acquisition, reorganization, bankruptcy, or other similar 
events, certain information in our possession may be transferred to our 
successor or assign. 
We may occasionally email you with information about offers or new 
services. You can opt out of these email communications by replying with 
unsubscribe in the subject line, or via an unsubscribe link included in 
such communications. However, you will continue to receive certain 
email communications related to your account including information 
regarding transactions and your relationship with Plaid. 
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Overview 
Terms Of Use 
PrivaCY. PoliCY. 
ScoRe 
Information We 
Collect 
How We Use 
Personal Information 
Sharing And 
Disclosure 
Protection Of 
Information 
!:!Rdates 
• Information From 
Children 
Contacting Us 
Plaid: Terms and Privacy 
Protection Of Information 
Although no data storage or transmission can be 100% secure, we take 
significant steps to protect user and account information to ensure that it 
is kept private. Plaid maintains strict administrative, technical, and 
physical procedures to protect information stored in our servers, which 
are located in the United States. Access to information is limited (though 
user and password credentials and software systems) to those 
employees who require it to perform their job functions. We use industry-
standard Secure Socket Layer encryption to safeguard the account 
registration and sign-up information, along with the end-user sign-up 
process. Other safeguards include, but are not limited to data encryption, 
firewalls, and physical access controls to building and files. 
Updates 
This Privacy Policy was last changed on the date set forth at the top of 
the policy. We're constantly trying to improve the Service, so we may 
need to change this Privacy Policy from time to time as well, but we will 
alert you to changes by placing a notice on our website, by sending you 
an email, and/or by some other means. In addition, we will also edit the 
date at the top of this policy to reflect the date of the changes. Please 
note that if you've opted not to receive legal notice emails from us (or you 
haven't provided us with your email address), those legal notices will still 
govern your use of the Service, and you are still responsible for reading 
and understanding them. If you use the Service after any changes to the 
Privacy Policy have been posted, that means you agree to all of the 
changes. Use of information we collect now is subject to the Privacy 
Policy in effect at the time such information is collected. 
Information From Children 
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PrivaCY. PoliCY. 
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Information We 
Collect 
How We Use 
Personal Information 
Sharing And 
Disclosure 
Protection Of 
Information 
!:!Rdates 
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Information From 
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Plaid: Terms and Privacy 
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We do not knowingly collect or solicit personal information from anyone 
under the age of 13. If you are under 13, please do not attempt to 
register for the Service or send any personal information about yourself 
to us. 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 a child under 13 may have provided us personal 
information, please contact us at -~-~ . .R.R9..!1.@plaid.com. 
Contacting Us 
If you have any questions or concerns regarding our privacy policies, 
please send us a detailed message to .?..lJ.RR9..~@plaid.com, or: Attn: 
Legal; Plaid Technologies - San Francisco, CA 94108. 
Terms of Use 
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