Fold GLBA Privacy Notice

Notice Regarding Privacy of Financial Information

Last Updated: October 8, 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.

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.

Does Fold share? Yes
Can you limit this sharing? No

For our marketing purposes — to offer our products and services to you

Does Fold share? Yes
Can you limit this sharing? No

For joint marketing with other financial companies

Does Fold share? No
We do not share

For our affiliates’ everyday business purposes — information about your transactions and experiences

Does Fold share? Yes
Can you limit this sharing? No

For our affiliates’ everyday business purposes — information about your creditworthiness

Does Fold share? No
We do not share

For our affiliates to market to you

Does Fold share? No
We do not share

For nonaffiliates to market to you

Does Fold share? No
We do not share

Questions?

Call 866-365-3277 or 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
Use your credit or debit card
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.

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.

Your choices will apply to everyone on your account—unless you tell us otherwise.

Definitions

Affiliates

Companies related by common ownership or control. They can be financial and nonfinancial companies.

Our affiliates include our parent company, Fold Holdings, Inc.

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

For Alaska, Illinois, Maryland and North Dakota customers: We will not share personal information with nonaffiliates either for them to market to you or for joint marketing without your authorization.

For California customers: We will not share personal information with nonaffiliates either for them to market to you or for joint marketing without your authorization. We will also limit our sharing of personal information about you with our affiliates to comply with all California privacy laws that apply to us.

For Massachusetts, Mississippi and New Jersey customers: We will not share personal information with nonaffiliates either for them to market to you or for joint marketing without your authorization.

For Vermont customers: We will not disclose information about your creditworthiness to our affiliates and will not disclose your personal information, financial information, credit report, or health information to nonaffiliated third parties to market to you, other than as permitted by Vermont law, unless you authorize us to make those disclosures.

This notice applies to personal information we collect in connection with financial products and services you obtain from Fold. For how we handle other personal information, including your rights under state privacy laws, see our Privacy Policy at foldapp.com/legal/privacy-policy.