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Ouro U.S. Privacy Policy

 Updated: July 31, 2025, Effective: July 31, 2025 

This Privacy Policy Notice applies to Ouro Global, Inc., Ouro International, Inc., Ouro Insurance Agency, LLC, and their affiliates (collectively, “Ouro” “we” or “us”). It applies to all the products and services offered by Ouro, including on our website (“Site”) and mobile application (“App”) (collectively, the “Services”) to U.S. consumers (“you”, except where a product or service has a separate privacy notice that does not incorporate this Privacy Notice. 

Ouro understands that consumers care about privacy. This Privacy Policy Notice (“Notice”) describes the types of Personal Data we collect, how we use the information, with whom we may share it, and the choices available to you. We also describe measures we take to protect the security of the information and how you can contact us about our privacy practices. 

When visiting or using our Sites, communicating with us electronically, interacting with us on social media or through ad content, or using a mobile App of Ouro, this Notice applies to you and governs our collection, storage, sharing, and use of your information. 

If you apply for or use a Bank product serviced by Ouro or obtain an Insurer’s policy procured through Ouro Insurance as agent, the Gramm-Leach-Bliley Act and State financial privacy laws govern your financial privacy rights. Therefore, if you are a customer or consumer of one of our Bank or Insurer’s products (each a “Financial Product”), you should consult the privacy notice associated with that Financial Product for information on collection, storage, sharing, and use of your information. A copy of each Bank and Insurer privacy notice is distributed annually to each customer, as required by applicable law, and available online as well. 

As Ouro is subject to the Gramm-Leach-Bliley Act (“GLBA”), Ouro benefits from broad exemptions under most US state privacy laws; however, California, Oregon, and Minnesota impose additional obligations for data not covered by GLBA. Specifically, while GLBA governs nonpublic Personal Data (“NPI”), these states extend privacy law coverage to other types of personal data which Ouro processes. This includes marketing data collected through tools like Google Analytics on Ouro websites, employee information, business contact data (such as contacts at retail stores, distributors, or vendors), and mobile app usage data. 

Refer to State Privacy Notices to view relevant State disclosures. For California residents specifically, consumers can read our “Notice at Collection” and job applicants can read our Ouro HR Privacy Notice. 

About Ouro & Our Provider Partners

Ouro is a financial technology company, not a bank or insurance company. Ouro is an authorized agent and program manager for Netspend® and other bank products issued by Pathward®, National Association (“Pathward”), Republic Bank & Trust Company, (“Republic”), The Bancorp Bank, N.A., (“Bancorp”) and Texas First Bank (“TFB”); Members FDIC, each a “Bank”; and a licensed producer agent assisting individuals in the procurement of certain policy coverages from the Chubb Group of Insurance Companies (“Chubb”) and Direct Auto Insurance, a subsidiary of Allstate (“Direct Auto”), each an “Insurer”. 

If you are a cardholder or have applied for a card, the principal privacy notice governing your card belongs to the Bank issuing your card. Please see the back of your card or the card program marketing materials for the name of your Bank. Ouro is not responsible for our Banks’ or Insurer’s information practices or privacy notices. For your convenience, we provide these links below. 

Bank Privacy Policies 

Insurer Privacy Notice 

When you visit a Site, we collect information that identifies, describes, or is reasonably capable of being associated with you (“Personal Data”) and other information that does not identify you personally or contain personal identifiers (“Anonymous Information”). We define Personal Data in its broadest sense, meaning any data (such as name, contact information, social security number, etc.) that can be used to identify an individual or household, either directly or indirectly. Anonymous Information may be treated as Personal Data when it can be linked with other information to personally identify you. Personal Data does not include publicly available information, such as information lawfully made available from government records, information we have a reasonable basis to believe is lawfully made available to the general public by you or by widely distributed media, or by a person to whom you have disclosed the information and not restricted it to a specific audience, or de-identified or aggregated information. 

As described below, we collect Personal Data directly from you, automatically through your use of the Sites and Services, and from third-party sources. To the extent permitted by applicable law, we may combine the information we collect from publicly available or third-party sources. The Personal Data we collect varies based on your relationship with us. 

Questions?

For questions regarding this U.S. Online Privacy Notice: