Fold GLBA Privacy Notice

Notice Regarding Privacy of Financial Information
Last Updated: March 6, 2026
FACTS
WHAT DOES FOLD DO WITH YOUR PERSONAL INFORMATION?
Why?
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.
What?

The types of personal information we collect and share depend on the product or service you have with us.  This information can include:

  • Social Security number and income
  • Account balances and transaction history
  • Payment history and account transactions

When you are no longer our customer, we continue to share your information as described in this notice.

How?
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 Fold, Inc. (“Fold”) chooses to share; and whether you can limit this sharing.
Reasons we can share your personal information
Does Fold 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 report to credit bureaus.
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 do not share
For our affiliates’ everyday business purposes—
information about your transactions and experiences
No
We do not share
For our affiliates’ everyday business purposes—
information about your creditworthiness
No
We do not share
For our affiliates to market to you
No
We do not share
NOTE
To limit
our sharing

Fold does not share your personal information in ways that give you a right to opt out under federal law. If we change this practice, we will send you a revised notice at least 30 days before any new sharing begins and provide you with instructions to opt out. After your Fold account is closed, we do not share your information except as permitted or required by law. We retain certain transaction records after account closure as required by federal law.

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Questions?

Email us at support@foldapp.com

Who we are
Who is providing this notice?
Fold, Inc. (“Fold”)
What we do
How does Fold protect my personal information?
To protect your personal information from unauthorized access and use, we use security measures that comply with federal law.  These measures include computer safeguards and secured files and buildings.
How does Fold collect my personal information?

We collect your personal information, for example, when you:

  • Open an account
  • Show your government-issued ID
  • Give us your income information 
  • Provide employment information
  • Make a wire transfer
  • Tell us who receives the money or tell us where to send the money

We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.

Why can’t I limit all sharing?

Federal law gives you the right to limit only

  • Sharing for affiliates’ everyday business purposes—information about your creditworthiness
  • Affiliates from using your information to market to you
  • Sharing for nonaffiliates to market to you 

State laws and individual companies may give you additional rights to limit sharing. See below for more on your rights under state law.

What happens when I limit sharing for an account I hold jointly with someone else?
Your choices will apply to everyone on your account—unless you tell us otherwise.
Definitions
Affiliates
Fold has no affiliates. 
Nonaffiliates

Companies not related by common ownership or control.  They can be financial and nonfinancial companies.

  • Fold does not share with nonaffiliates so they can market to you.
Joint marketing

A formal agreement between nonaffiliated financial companies that together market financial products or services to you.

  • Fold does not jointly market.
Other Important Information
CA: If you have a California mailing address, we will not disclose your information other than as permitted by California law.

VT: If you have a Vermont mailing address, we will not disclose you information to nonaffiliated third parties to market to you, other than as permitted by Vermont law.