Legal
Privacy Policy
This Privacy Policy explains how FITOS LLC ("FITOS", "we") collects, uses, and protects your information when you use our services.
Information we collect
We collect information you provide when opening an account, including your legal business name, business type, contact details, EIN or SSN/ITIN, government-issued identification, and ownership information. We also collect transaction and usage data as you use the platform.
How we use your information
We use your information to open and service your accounts, verify your identity as required by law (KYC/AML), prevent fraud, provide customer support, and comply with applicable regulations. Sensitive identifiers such as your SSN are encrypted and never stored in plain text.
How we share your information
We share information with our partner bank, Sutton Bank, Member FDIC, and with service providers who help us operate the platform, verify identity, and detect fraud. We do not sell your personal information.
Data security
We apply bank-level security controls, including encryption in transit and at rest, continuous monitoring, and strict access controls.
Your choices
You may access, update, or request deletion of certain personal information subject to legal and regulatory retention requirements. Contact us at hello@fitoshq.com.
Regulatory disclosure
FITOS is a financial technology company and is not an FDIC-insured bank. Banking services are provided by Sutton Bank, Member FDIC. FDIC deposit insurance covers the failure of an insured bank. FDIC insurance is available for funds on deposit through Sutton Bank, Member FDIC. Certain conditions must be satisfied for pass-through FDIC insurance to apply.