Privacy Policy

7th February 2018


If you require any more information or have any questions about our privacy policy, please feel free to contact us by email at

Step Exchange (collectively, “StepEx”, “we”, “us”, “our”) are committed to your privacy (as the “Visitor”) and security online. This policy describes the ways we collect, use, share and protect your personal information in connection with your use of and any of its subdomains (the “Site”) and the products and services offered on the Site by StepEx and other third parties that StepEx has partnered with. Information is collected through the Site by StepEx in its capacity as servicer and administrator to StepEx and certain other third party financial partners on whose behalf it is acting. By accessing, using our Service, or registering on the Site, you signify that you have read, understood and agree to our collection, storage, use and disclosure of your personal information as described in this Privacy Policy.

This privacy policy document outlines the types of personal information is received and collected by StepEx and how it is used.

What Information we collect

The types of personal information we collect depends on the products and services you use. The information includes:

  • Your contact information such as your name, address, phone, and email;
  • Your date of birth, your credit history, and other information provided by consumer reporting agencies, your payment history and other information about you we access to verify your identity, manage risk, and offer personalised recommendations;
  • about your education, such as your degree, your university, your major(s), and your grades including your university transcript, and your personal interests;
  • Information so we can process your payments such as your bank account numbers and bank account credentials;
  • Information about your employer, current income, assets and certain expenses, including with respect to your employment, employment offers, bank account credentials and transaction information, tax returns, brokerage statements, and pay stubs;
  • Information about you when you visit the Site, including information submitted by you or our other customers when interacting with the Site’s features and using its online communication features.

Like many other Web sites, this Site makes use of log files. Log file information is automatically reported by your browser or mobile device each time you access the Site. The information inside the log files includes internet protocol (IP) addresses, type of browser, Internet Service Provider (ISP), date/time stamp, referring/exit pages, and number of clicks to analyse trends, administer the site, track user’s movement around the site, and gather demographic information. IP addresses, and other such information are not linked to any information that is personally identifiable.

How we collect information

We collect information about you:

  • From you when you register on the Site, use the Site, apply for funding or to be a investor, and from your transactions, including your security purchases, repayments, account funding and withdrawals, and your communications with us; and,
  • From third parties such as credit bureaus, identity verification services and other public records or websites
  • Step Exchange Ltd employs third party suppliers to provide services including utilising the services of a credit reference agency (

Why we collect information

We collect this information from you in order to:

  • provide you and other customers with access to the products and services offered through the Site,
  • provide notices and other information to you about, or in connection with, these products and services,
  • provide customer support,
  • protect against fraud, fulfill legal requirements and enforce our agreements, and
  • provide, maintain, develop and improve our services, your experience, and to protect StepEx and its users.

Cookies and Web Beacons

Third-party advertisers may use cookies on the Site for the purposes of targeted behavioural advertising. Although you may not opt out of receiving online advertisements generally, you may control the collection of data by third party advertisers on our Site used for targeted advertising during your visits to other websites. To opt-out of this data collection for targeted advertising on other sites, visit the Network Advertising Initiative.

The Site also uses cookies to store information about visitors preferences, record user-specific information about the pages the user accesses or visits, customise Web page content based on the visitor’s browser type, or other information that a visitor sends via their browser.

These third-party ad servers or ad networks use technology to the advertisements and links that appear on the Site send directly to your browsers. They automatically receive your IP address when this occurs. Other technologies (such as cookies, JavaScript, or Web Beacons) may also be used by the third-party ad networks to measure the effectiveness of their advertisements and/or to personalise the advertising content that you see. For example, certain partners (such as Google Analytics) may collect incoming IP addresses of visitors to our Site to avoid double counting the number of new members who joined as a result of an advertising campaign.

The Site has no access to or control over these cookies that are used by third-party advertisers.

You should consult the respective privacy policies of these third-party ad servers for more detailed information on their practices as well as for instructions about how to opt-out of certain practices. The Site’s privacy policy does not apply to, and we cannot control the activities of, such other advertisers or web sites.

More detailed information about cookie management with specific web browsers can be found at the browsers’ respective websites.

How we protect your information and use cookies

We protect your personal information from unauthorized access and use by maintaining physical, electronic and procedural safeguards in compliance with applicable law. These measures include computer safeguards and secured files and buildings. We authorize our employees to get your information only when they need it to do their work, and we require companies that work for us to protect your information.

When you access the Site or content or use the products or services available through the Site, we (or companies we work with) may place small data files called cookies or pixel tags on your computer or other device. We use these technologies to recognize you as a customer; customize our services, content and advertising; collect information about your computer or other access device to mitigate risk; help prevent fraud; and improve our products and services.
 You are free to decline our cookies if your browser or browser add-on permits, but doing so may interfere with your use of the Site. The help legal section of most browsers or browser add-ons provides instructions on blocking, deleting or disabling cookies. However, certain partners may collect incoming IP addresses in connection with your visits to our Site, for example, to avoid double counting the number of new members who joined as a result of an advertising campaign.

In the event that any of your information that we control is compromised as a result of a breach of security, we will take reasonable steps to investigate the situation and, where appropriate, notify you and take other steps in accordance with any applicable laws and regulations.

Upon termination or deactivation of your StepEx account on the Site, we may retain your profile information and user content and information for backup, archival, or audit purposes.

How you can access or change your personal information

You can review and edit some of your personal information at any time by logging into our website. If you'd like to exercise any of your data protection rights please contact us via email or phone below.

Children’s privacy

We do not knowingly collect or solicit any information from anyone under the age of 13 or knowingly allow such persons to register as users. The Site and its content are not directed at children under the age of 13. 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 we might have any information from a child under 13, please contact us at

Changes to our Privacy Policy

We may amend this policy from time to time to reflect the changes in our business and practices, and so you should review this page periodically. The revised version will be effective at the time we post it. If we make a material change we will notify you of the changes by posting a Policy Update and update the ‘last modified’ date at the top of this page.

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