Last Updated: March 16, 2026

PoolUp ("PoolUp", "we", "our", or "us") respects your privacy and is committed to protecting your personal information. This Privacy Policy describes how PoolUp collects, uses, and shares information when you use the PoolUp mobile application and related services (the "Services").

By using the Services, you agree to the collection and use of information in accordance with this Privacy Policy.

By providing your phone number and opting in through the PoolUp mobile application, you consent to receive transactional SMS messages from PoolUp.

These messages may include:

• account verification and login authentication codes
• contribution confirmations
• scheduled contribution reminders
• savings pool activity notifications
• alerts related to your PoolUp account

Message frequency varies depending on account activity. Message and data rates may apply.

You may opt out at any time by replying STOP to any SMS message.
For assistance, reply HELP.

Mobile phone numbers collected for SMS communications will not be sold or shared with third parties or affiliates for marketing or promotional purposes.

SMS messages are only sent to users who create an account and provide explicit consent during registration in the PoolUp mobile application.

PoolUp does not send marketing or promotional SMS messages.

We may collect the following types of information when you use the Services:

Personal Information

• Name
• Email address
• Phone number
• Account login credentials

Financial and Transaction Information

• Contribution and pool transaction data
• Payment processing information (handled securely through payment providers)

Identity Verification Information

• Information required to verify identity and prevent fraud when applicable

Device and Usage Information

• Device identifiers
• IP address
• App activity and usage analytics

Communications

• Messages or communications sent to PoolUp customer support

We use the information we collect to:

• Provide and operate the PoolUp Services
• Process transactions and manage savings pools
• Send account-related notifications and SMS verification messages
• Detect, prevent, and investigate fraud or unauthorized activity
• Comply with legal and regulatory obligations
• Improve our products, services, and user experience
• Communicate with users regarding account activity or support requests

PoolUp does not sell personal information.

We may share information with trusted service providers who assist in operating the Services, including:

• Payment processors, including Stripe
• Identity verification providers
• Cloud hosting and infrastructure providers
• Analytics and security providers

We may also share information:

• when required by law or legal process
• to comply with regulatory requirements
• to protect the rights, safety, and security of PoolUp and its users

Service providers are only permitted to use information as necessary to provide services to PoolUp.

Mobile phone numbers collected for SMS purposes will not be shared with third parties for marketing or promotional purposes.

PoolUp implements reasonable administrative, technical, and physical safeguards designed to protect personal information from unauthorized access, disclosure, alteration, or destruction.

While we strive to protect user information, no system can guarantee absolute security.

We retain personal information only as long as necessary to:

• provide the Services
• comply with legal and regulatory obligations
• resolve disputes
• enforce agreements and policies

When information is no longer required, it is securely deleted or anonymized.

Depending on your location, you may have rights to:

• request access to personal information
• request correction of inaccurate information
• request deletion of personal information
• withdraw consent for certain processing activities

Requests may be submitted to:

mercedes@getpoolup.com

The Services are not intended for individuals under the age of 18. PoolUp does not knowingly collect personal information from children.

We may update this Privacy Policy periodically. When updates occur, the "Last Updated" date will be revised.

Continued use of the Services after updates constitutes acceptance of the revised policy.

If you have questions about this Privacy Policy, please contact:

Email: mercedes@getpoolup.com