Terms and
Conditions.

Last updated: August 13, 2021

Table of Contents

Terms of Use

Last updated October 18, 2019

1. Terms and Conditions of Use

Please carefully read these terms and conditions (the “Terms”) as they apply to the website owned, operated and controlled by Brighter Financial, Inc., doing business as Starship (“Starship”), at www.starshiphsa.com (the “Website”). These terms also apply to Your use of the mobile application [Starship] (the “Application”) and the services provided through the Website or Application. By using the Website or the Application, You agree to these Terms. If You do not agree to these Terms, do not use the Website or the Application. You cannot register or use the Application until You have agreed to these Terms and Conditions. In these Terms, “we”, “us” and “our” means Starship and “You” and “Your” means the Website or the Application user.

2. About Starship

Starship is a corporation formed in the State of Delaware, and provides Health Savings Accounts (HSA). Accounts are held through Starship’s bank partnership at nbkc bank. For more information about Starship’s services and HSAs please review the information provided here.

3. Eligibility

By accessing the Website and registering to use the Application, You represent that you are a citizen or permanent resident of the fifty United States (“U.S.”) and the District of Columbia who is at least 18 years of age, 19 in Alabama and Nebraska, and 21 in Mississippi and Puerto Rico with a valid Social Security number or Tax Identification Number and You have the legal ability to agree to these Terms. You also agree that You will only use the Website and the Application in accordance with these Terms.

There are four main eligibility requirements that determine whether you’re eligible to have and use a health savings account:

  1. You must have a qualifying high-deductible health plan (HDHP).
  2. You cannot have any other health coverage, including: Medicare, Medicaid, or Tricare; Other employer-sponsored health coverage, like an HMO or PPO; Other individual coverage, like a short-term plan or healthshare ministry plan.
  3. You must either be a U.S. citizen or be authorized to work in the U.S., have a Social Security Number, and be earning income in the U.S. at the time of enrollment into a health savings account.
  4. You can’t have a general health flexible spending account (FSA) with funds in it while you have an HSA.

4. Privacy

Your privacy is very important to us. Please review our Privacy Policy, which also governs Your use of the Website and the Application. Our Privacy Policy describes how we collect and use Your information, including nonpublic personal information. Our Privacy Policy is hereby incorporated into these Terms.

5. Using Your HSA

Your HSA is also governed by the terms of Your HSA Deposit Account Agreement, which can be found here.

Please note that Starship is not responsible for denying or approving Your HSA distributions. You are solely responsible to the Internal Revenue Service (“IRS”) for ensuring that all distributions from Your HSA are for qualified medical care expenses. For information on qualified medical care expenses please see IRS Publication 969 and IRS Publication 502.

6. General Terms and Conditions

You agree that: (a) You meet all of the eligibility requirements; (b) Your use of the Website and the Application is solely for Your personal use; and (c) You are solely responsible for maintaining any and all equipment necessary for Your access to and use of the Website and the Application, including internet access, computer equipment for accessing the internet, mobile phones, and mobile data plans with carriers.

7. Account Registration

To use certain parts of the Website and the Application, You will be required to create an account. Your account provides you access to your HSA via the Application. To create an account You will be required to provide Your full name, phone number, email address, and create a password. By creating an account, You agree that Your employer may share information with us to allow us to validate certain information that You provided in Your application for an HSA.

8. Accuracy of Information

When creating an account or applying for an HSA on the Website or when utilizing the Application, You agree to provide current, complete and accurate information about Yourself. If any information You provide is untrue, inaccurate, not current or incomplete, we may deny Your application or suspend or terminate Your existing account.

9. Communications

When You visit the Website, utilize the Application or send emails to us, You are communicating with us electronically. By accepting these Terms, You expressly consent to receive communications from us electronically to the extent permissible by law. Such electronic communications may include emails, messages through the Application or other electronic communications. Your consent to receive electronic communications from us does not mean that we must provide all communications electronically. You further expressly consent to be contacted by Starship and our employees, representatives and agents, or anyone contacting You on our behalf for any and all purposes arising out of or relating to Your account or HSA, at any telephone number, or any physical, email or other electronic address You provide or at which You may be reached. It is Your responsibility to provide us with current and accurate contact information. You represent that You are permitted to receive calls at each of the telephone numbers You have provided to us. You agree to promptly alert us whenever You stop using a particular telephone number.

10. Security

You are responsible for safeguarding Your account login information, including maintaining the security of Your user identification, password and other confidential information relating to Your HSA. If You believe Your account or login information has been compromised, contact us immediately by email at support@starshiphsa.com or by telephone at (415) 662-0381.

By accepting these Terms, You expressly agree that You will not, nor attempt to: (a) access data outside of the public aspects of the Website or the Application; (b) access any nonpublic personal information relating to any other user of the Website or the Application; (c) probe, scan or test the vulnerability of the Website or the Application; or (d) interfere with or disrupt the Website, Application or any aspect therein, including, without limitation, via means of submitting a virus to the Website or Application, or overloading, “flooding,” “spamming,” “mail bombing,” or “crashing” the Website. Violations of system or network security may result in civil or criminal liability.

11. Fees

You agree to pay all subscription, service and user fees, if any, that You are charged by Starship for using the Website or Application or in connection with Your HSA, and You agree that such fees may be changed by Starship upon providing thirty (30) days’ prior notice to you on the Website or through the Application. Our current schedule of fees can be found here. You agree to pay all costs (including attorneys’ fees), if any, incurred by Starship in collecting overdue fees from You. You also agree to pay all federal, state and local taxes applicable to Your use of the Website or Application.

12. Restrictions and Termination

We reserve the right at any time to modify or discontinue, temporarily or permanently, Your account, the Website or the Application with or without notice and with or without cause. You agree that we shall not be liable to You or to any third party for any modification, suspension or discontinuance of Your account, the Website or the Application. Further, we reserve the right to suspend, close or deny access to Your account, the Website or the Application if we believe there is a legitimate reason to do so.

Such reasons shall include, without limitation:

  • Any actual or suspected breach of these Terms;
  • Any actual or suspected criminal activity; and
  • Any actual or suspected misuse of, or damage to, the Website or the Application.

In the event access to Your account or the Website or the Application is suspended or terminated, please see your HSA Deposit Account Agreement to access your HSA funds. Any suspension, modification or termination of your HSA will be handled in accordance with your HSA Deposit Account Agreement.

13. Modification

We may change, limit or otherwise modify these Terms, including, without limitation, the Privacy Policy, at any time by informing You of any such changes through the Website or the Application. Any change shall be effective upon receipt, unless otherwise stated, or as required by law. You will be deemed to agree if You affirmatively accept the change, or if You continue to access or use the Website or the Application after the effective date of the change.

14. Links

Our Website may contain links to third party websites providing services and resources. We do not control the availability or content of such third party websites. We are not responsible for examining or evaluating any third party website, and we do make any representations regarding the quality or accuracy of the content on any such third party website. We cannot be held responsible or liable for the content on, or the actions of, any third party website.

15. No Warranty and Limitation on Liability

WE DO NOT GUARANTEE THAT THE WEBSITE OR THE APPLICATION OR THE ADEQUACY, COMPLETENESS OR ACCURACY OF ANY CONTENT, DOCUMENT OR FEATURE OF THE WEBSITE OR APPLICATION WILL BE ERROR-FREE, THAT THE WEBSITE OR ANY FEATURE OF THE WEBSITE OR APPLICATION WILL BE UNINTERRUPTED, OR THAT ANY ERRORS, INTERRUPTIONS OR DEFECTS WILL BE CORRECTED. THE WEBSITE, APPLICATION AND THE CONTENT ON THE WEBSITE AND THE APPLICATION ARE MADE AVAILABLE ON AN “AS-IS” AND “WITH ALL FAULTS” BASIS. STARSHIP EXPRESSLY DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING ANY WARRANTIES OF ACCURACY, NON-INFRINGEMENT, MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE. ALTHOUGH STARSHIP WILL TAKE REASONABLE PRECAUTIONS TO PROTECT THE WEBSITE AND THE APPLICATION AND AVOID DELETION, CORRUPTION OR UNAUTHORIZED MODIFICATION OF OR ACCESS TO THE WEBSITE AND THE APPLICATION, WE MAKE NO REPRESENTATION OR WARRANTY THAT SUCH EFFORTS WILL BE SUCCESSFUL, AND TO THE EXTENT PERMITTED BY LAW, WE SPECIFICALLY DISCLAIM ALL LIABILITY WHATSOEVER WITH RESPECT TO ANY FAILURE TO PROTECT THE WEBSITE OR THE APPLICATION, OR TO AVOID DELETION, CORRUPTION OR UNAUTHORIZED MODIFICATION OF OR ACCESS TO THE WEBSITE OR THE APPLICATION. STARSHIP MAKES NO REPRESENTATION OR WARRANTY THAT THAT THE WEBSITE, APPLICATION OR ANY DOWNLOADABLE MATERIAL IS FREE FROM COMPUTER VIRUS. TO THE EXTENT PERMITTED BY APPLICABLE LAW, STARSHIP, ITS EQUITY OWNERS, SUBSIDIARIES, AFFILIATES, AND EACH OF THEIR RESPECTIVE MANAGERS, EMPLOYEES, REPRESENTATIVES, AGENTS, LICENSORS, SUCCESSORS, AND ASSIGNS SHALL NOT BE LIABLE TO YOU OR ANY THIRD PARTY FOR ANY SPECIAL, INDIRECT, CONSEQUENTIAL OR PUNITIVE LOSS, OR DAMAGE ARISING FROM OR RELATED TO ANY USE OF THE WEBSITE OR THE APPLICATION, INCLUDING BUT NOT LIMITED TO, LOSS OF PROFITS, LOSS OF BUSINESS OR GOODWILL OR LOSS OF USE, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH LOSS OR DAMAGE OR ANY CLAIM BY ANY THIRD PARTY. YOUR SOLE REMEDY AGAINST STARSHIP, ITS EQUITY OWNERS, SUBSIDIARIES, AFFILIATES, AND EACH OF THEIR RESPECTIVE MANAGERS, EMPLOYEES, REPRESENTATIVES, AGENTS, LICENSORS, SUCCESSORS, AND ASSIGNS IN CONNECTION WITH YOUR USE OF THE WEBSITE OR THE APPLICATION OR FOR DISSATISFACTION WITH THE WEBSITE OR THE APPLICATION OR ANY CONTENT ON THE WEBSITE OR THE APPLICATION IS TO STOP USING THE WEBSITE AND THE APPLICATION.

16. Intellectual Property

You acknowledge and agree that Starship or our licensors own all legal right, title and interest in and to the Website and the Application, including, without limitation, any trademark (including, for example, “bank on your health”, copyright, patent, trade secret or any other intellectual property right which subsist in the Website, whether those rights are registered or not, and wherever in the world those rights may exist (“IP”). You agree not to (a) take any action that would jeopardize, limit or interfere with our or our licensors’ rights in or to the IP, (b) copy, translate, publish or create derivative works of the IP or any component thereof, or (c) resell, distribute, trade or make any other commercial use of, modify, reverse engineer, decompile or disassemble the IP or any component thereof. Under no circumstances will anything appearing on the Website or the Application be construed as granting, whether by implication, estoppel, or otherwise, any form of license or authorization to use, reproduce, or distribute the IP displayed on Website or the Application. Licenses to use IP appearing on the Website or the Application may be obtained with Starship’s prior written consent, which Starship may withhold in its sole discretion. Misuse of IP or any materials comprising the Website or the Application is strictly prohibited. You agree to abide by any and all trademark and service mark notices, information, or restrictions contained on the Website or the Application. Starship permits You to make a single copy of the content appearing on the Website and the Application solely for the purpose of obtaining information of its products and services provided that You are not otherwise authorized to display, distribute, download, modify, print, store, transmit, or use any materials or content appearing on the Website or the Application.

17. Indemnification

By using the Website or the Application, You agree to defend, indemnify, and hold harmless Starship, its equity owners, subsidiaries, affiliates, and each of their respective, managers, employees, representatives, agents, licensors, successors and assigns from and against any and all losses, claims, damages, costs and expenses (including reasonable legal and accounting fees) that any of them may become obligated to pay arising or resulting from (a) Your use or misuse of the Website, the Application or any feature of the Website or the Application, (b) Your breach of these Terms, or (c) any violation of applicable law.

18. No Waiver

The waiver of a breach of or default under these Terms, or the failure or delay by Starship to exercise any right in respect of any breach of or default under these Terms, shall in no event constitute a waiver of any other breach or default of these Terms, whether similar or dissimilar in nature, or operate as a waiver of any other right or remedy available to Starship.

19. Severability

If any one or more of the provisions of these Terms should be ruled wholly or partly invalid or unenforceable by final judgement of a court of competent jurisdiction, then: (a) the validity and enforceability of all provisions of these Terms not ruled to be invalid or unenforceable shall be unaffected; (b) the effect of the ruling shall be limited to the jurisdiction of the court making the ruling; and (c) if the judgement and/or the controlling principle of law or equity leading to the ruling is subsequently overruled, modified, or amended by legislature, judicial, or administrative action, then the provision(s) in question as originally set forth in these Terms shall be deemed valid and enforceable to the maximum extent permitted by the new controlling principle of law or equity.

20. Law and Venue

These Terms and the relationship between You and Starship with regard to the use of the Website or the Application shall be governed by the laws of the State of California without regard to its conflicts of law provisions. [Subject to Section 21 below,] You agree to the personal jurisdiction by and venue in the state and federal courts in Clara County, California, and agree and consent that such courts are the exclusive forum for litigation of any claim or cause of action arising out of or relating to Your use of the Website or the Application or the content on the Website or the Application. [Subject to Section 21 below,] [I]f any action or proceeding is commenced to enforce or interpret these Terms or any right arising in connection with these Terms, the prevailing party in such action or proceeding shall be entitled to recover from the other party all reasonable attorneys’ fees, costs and expenses incurred by such prevailing party in connection with such action or proceeding. The prevailing party shall be the party that most nearly obtains the relief sought. You agree that regardless of any statute or law to the contrary, any claim or cause of action arising out of or relating to Your use of the Website or the Application or the content on or services provided through the Website or the Application must be filed within one (1) year after such claim or cause of action arose or be forever barred.

21. Waiver of Jury Trial and Arbitration Agreement

PLEASE READ THIS SECTION CAREFULLY AS IT AFFECTS HOW DISPUTES, IF ANY, BETWEEN YOU AND STARSHIP WILL BE RESOLVED.

Applicability and Right to Opt-Out: This provision applies to You, unless You have opted-out by following the steps set forth herein. You may opt-out of the agreement to arbitrate disputes but only if we receive from You a written notice of opt-out within thirty (30) days after You have accepted these Terms. You must send the notice of opt-out to: Starship, 54 King Street, New York, NY 10014, Attn: Privacy. Your opt-out notice must include your name, address, phone number, and personal signature. Opting-out of arbitration will not affect your other rights or responsibilities under these Terms. If You opt-out of arbitration, neither You nor we will be subject to an agreement to arbitrate.

Agreement to Arbitrate:

In the event of any claim, counterclaim, cross-claim, complaint, cross-complaint, controversy, or dispute (“Dispute”) between You and Starship arising under, out of, or in any way related to Your account or HSA or the Website or the Application, or the interactions between You and Starship, either You or Starship may choose to require the other to resolve the Dispute by binding arbitration on an individual basis instead of in court provided, however, that the obligation to arbitrate shall not be binding upon any party with respect to (a) any suit to compel arbitration, stay proceeding pending arbitration or to confirm, modify, vacate or enter judgment on the award entered by the arbitrator, (b) requests for preliminary injunctions, temporary restraining orders, specific performance or other procedures in a court of competent jurisdiction to obtain interim relief when deemed necessary by such court to preserve the status quo or prevent irreparable injury pending resolution by arbitration of the actual Dispute, (c) any claim related to actual or threatened infringement, misappropriation or violation of a party’s copyrights, trademarks, trade secrets, patents or other intellectual property rights, or (d) actions to collect payments not subject to a bona fide Dispute. The term “Dispute” includes any (i) claim related to the validity in general of the Terms; (ii) claim, defense or dispute concerning the making, cancellation, existence, validity, enforceability, revocation or scope of these Terms; (iii) claim, controversy or dispute without regard to when it arose, whether it is based in contract, tort, statute, regulation, common law, or equity, or whether the remedy sought is legal or equitable, including claims for compensatory, monetary and/or punitive damages, restitution and/or disgorgement, or injunctions; (iv) claim or controversy or dispute with respect to validity, rescission, revocation, enforceability, coverage or scope of this agreement to arbitrate; and (v) disagreement or controversy regarding whether You effectively opted-out of this agreement to arbitrate. The arbitrator shall decide all Disputes. The term “Dispute” DOES NOT include any claim regarding the making of this agreement to arbitrate. You agree that this agreement to arbitrate may be enforced by Starship or our affiliates, subsidiaries, or parents, and each of their officers, directors, employees, and agents and any third-party co-defendant of a claim subject to this agreement to arbitrate.

No Jury Trial, No Consolidation, No Class Action.:

If You or Starship require arbitration, neither party shall have the right to litigate a Dispute in court or to have a jury trial with respect to a Dispute. Instead, any Dispute will be determined by an arbitrator in accordance with the terms of this agreement to arbitrate. Also, discovery and appeal rights are limited in arbitration. Further, in arbitration, only Your individual demands for damages, injunctive relief, restitution or disgorgement can be resolved in arbitration, and neither You nor Starship may join or consolidate disputes in arbitration by or against other sellers or litigants, or litigate in court (whether individually or as part of class action), or arbitrate any disputes as a representative or member of a class or in a representative or private attorney general capacity. However, this arbitration agreement shall not be construed to prevent You from seeking in the arbitration the remedy of public injunctive relief.

Governing Law:

This agreement to arbitrate is made pursuant to a transaction involving interstate commerce. The Federal Arbitration Act (9 U.S.C. §§1-16) (“FAA”) shall govern this arbitration agreement, including without limitation, all issues relating to the making, cancellation, rescission, validity, revocation, enforceability, scope, or revocation of this agreement to arbitrate, and any issue of whether a particular claim or dispute is arbitrable or whether You effectively opted-out of this agreement to arbitrate. The FAA shall also govern any issue related to the confirmation of the arbitral award.

Administration of the Arbitration:

The arbitration shall be administered by JAMS pursuant to its Streamlined Arbitration Rules (the “Rules”), as modified by this arbitration provision. A copy of the JAMS Streamlined Arbitration Rules can be obtained from JAMS at https://www.jamsadr.com/rules-comprehensive-arbitration/ or (800) 352-5267. The arbitrator shall be selected from the JAMS panel of neutrals then active on the roster maintained by the JAMS office located in or nearest to Clara County, California and the arbitrator shall be a retired federal judge, a retired state appellate judge, or a retired state trial judge in that order of preference. In the event that the parties do not agree on the identity of the arbitrator, JAMS shall appoint an arbitrator in accordance with the identified rules and the arbitrator qualifications set forth herein. If JAMS is completely unavailable, and if You and Starship cannot agree on a substitute, then either You or Starship may request that a court appoint a substitute administrator.

Fees and Costs of Arbitration:

Each party shall bear the expense of its own counsel, experts, witnesses and preparation and presentation of proofs. If You lose the arbitration, and applicable law allows Starship to recover our attorney’s fees, the arbitrator will decide whether You must reimburse Starship for such fees. If You win the arbitration, and applicable law authorizes an award of costs and fees to the prevailing party, the arbitrator may decide that You are entitled to be reimbursed your reasonable attorneys’ fees and costs (if actually paid by You).

Arbitration Decisions and Appeals:

A single arbitrator will be appointed. The arbitrator must: (a) follow the FAA including (without limitation) with respect to the issues governed by the FAA (identified above); (b) subject to the FAA, apply federal law including the FAA to any other issues related to the Dispute that would be governed by federal law in court; (c) subject to the FAA, apply the law of the state of your residence set forth in this contract to any other issues related to the Dispute that would be governed by state law in court; (d) apply the JAMS Rules identified in this agreement to arbitrate to the extent not inconsistent with the FAA, other applicable law, or the terms of this arbitration agreement; (e) apply applicable statutes of limitations; (f) honor valid assertions of privilege under applicable law; (g) issue a written decision stating the reasons for the award; and (h) the arbitrator is authorized to grant any relief authorized by law, this Agreement, and the JAMS Rules. The arbitrator’s decision will be final and, except as provided herein, for appeals, any court of competent jurisdiction may enter judgment upon the arbitral award issued by a single arbitrator pursuant to the FAA. However, if more than $100,000 was genuinely in dispute, or there is a claim for public injunctive relief as allowed under California law, then either You or Starship may choose to appeal to a new panel of three arbitrators selected in the same manner as set forth above. Upon a timely appeal, the appellate panel is completely free to accept or reject the entire original award or any part of it. The appeal must be filed with the arbitration administrator not later than thirty (30) days after the original award issues. Any court of competent jurisdiction may enter judgment upon the arbitral award of the appellate panel.

Survival of this Provision:

This agreement to arbitrate provision shall survive the termination of Your account or HSA, if applicable.

Severability Provision Applicable to this Agreement to Arbitrate:

If any portion of this arbitration agreement cannot be enforced, the unenforceable portion will be severed and the rest of this arbitration agreement will continue to apply, except that if a court or the arbitrator decides that a Dispute can be heard on a class or representative basis, and that decision is not reversed on appeal, then the agreement to arbitrate shall be void.

NOTWITHSTANDING ANYTHING TO THE CONTRARY HEREIN, IF YOU RESIDE IN CALIFORNIA AND YOU DO NOT OPT-OUT OF ARBITRATION, YOU MAY SEEK PUBLIC INJUNCTIVE RELIEF IN ARBITRATION TO THE EXTENT PERMITTED BY APPLICABLE LAW. Alternatively, if Your Dispute involves a claim for public injunctive relief under California law, You may bring that claim in court. If You bring such claim in court, You further agree that We may treat such a claim as a Dispute within the meaning of the arbitration agreement set forth in this Section 21, and that Starship would then have the right to demand arbitration, and if You refuse such demand, to move to enforce arbitration in accordance with the terms of the foregoing arbitration agreement pursuant to the FAA. If Starship loses the motion to compel arbitration, You agree to stay Your claim in court for public injunctive relief pending (a) exhaustion of Starship’s right to appeal in court from the ruling against it, and (b) completion of arbitration of all other Disputes. If Starship wins its motion to compel arbitration, Your claims for injunctive relief will be decided in arbitration in accordance with the terms of the foregoing arbitration agreement, inclusive of the requirement that the arbitration may award injunctive relief only as is necessary to remedy Your own alleged injury or to prevent future injury to You alone.

Privacy Policy

Last updated April 09, 2021

Please carefully read this Privacy Policy (the “Privacy Policy”) as it applies to the website owned, operated and controlled by Brighter Financial, Inc., doing business as Starship (“Starship”), at www.starshiphsa.com (the “Website”). The Privacy Policy also applies to Your use of the mobile application [Starship] (the “Application”) and the account management, savings, investment, and other services (collectively, “Services”) provided through the Website or Application. Other capitalized terms not defined in this Privacy Policy will have the meanings given to them in the Starship Terms of Use.

This Privacy Policy identifies and describes the types of personally identifiable information we may collect from or about You when You visit the Website or the Application, how we use and safeguard this information, and when we share this information with companies or individuals outside of Starship (“Third Parties”). This Privacy Policy is designed to assist You in making informed decisions when using the Website or the Application.

1. Your Consent

By visiting and using the Website or the Application or registering for a Starship Account or Service, You consent to our collection and use of Your personal information as described in this Privacy Policy. Please read this Privacy Policy in its entirety. We reserve the right to modify, alter, or otherwise update this Privacy Policy at any time to address changing legal obligations, technologies, business practices and our Users’ needs, and we encourage You to check back periodically so that You are always aware of the most current policies and practices that Starship has in place to protect Your personally identifiable information.

2. What Information Do We Collect?

When You visit the Website or the Application, You may provide us with two types of information: personal information You knowingly choose to disclose that is collected on an individual basis, and Website or Application use information that is aggregated as You and others use the Website or the Application.

Neither the Website nor the Application are designed for or directed at children under 18 years of age, and all Users of the Website or the Application are required to be at least 18 years old. It is Starship’s policy never to knowingly collect or maintain personally-identifiable information about anyone under the age of 13.

3. Personal Information You Choose to Provide

Account Information. When You subscribe to a Starship Service or Account, or purchase any other products or services from us or our partners, You may need to give personal information necessary to establish Your account and provide the Service and to authorize us to obtain information from various credit services in order to maintain Your account. For example, You may need to provide the following information:

  • Email
  • First name
  • Last name
  • Phone number
  • Social security number
  • Citizenship
  • Date of birth
  • Gender
  • Home address
  • Mailing address
  • Linked bank account
  • Annual income
  • Total net worth
  • Liquid net worth
  • Health insurance plan
  • Health plan status
  • Health plan start date

In all instances, Starship will use commercially-reasonable and appropriate methods to protect this information from unlawful disclosure, unauthorized access, or other breaches of confidentiality.

Service Profile Information. Some of Starship’s Services may provide You the option of customizing Your use of the Services. If You choose to take advantage of these features, it may be necessary to provide additional information necessary for the Service to provide the content according to Your preferences. These preferences will not be shared with third parties.

Correspondence with Starship. If You choose to correspond further with us via email, online chat, or telephone we may retain the content of Your email messages (including your email address), your online chat, or a recording of your telephone call together with our responses.

4. Website and Application Use Information; Use of Cookies and other Use-Tracking Devices

We automatically collect Website and Application usage information from You when You visit our Website or Application. Similar to other commercial websites and applications, our Website uses “cookies”, “web beacons”, and web server logs and Web Traffic Analytic Services to collect information about how our Website is used. The information gathered may include the date and time of visits and page views. We collect specific data about User use of our Services, including the pages accessed by the User and when they are accessed. This information is collected to ensure individual and corporate compliance with the Starship Terms of Use, and to allow You to customize Your use of the Website and Application. We may collect information about specific searches with the intention of identifying what features of the Website and Application are frequently accessed but do not correlate it to a specific individual. This ensures we can continue to develop our Website to meet the needs of our Users. In addition, we do not track the websites visited by an individual just before our Website or Application but may track a link to an external website referenced in our Services to better understand our Users’ interests. The usage information we collect may be compiled into aggregated usage information to manage and improve the Website and Application.

Our Website and Application do not respond to “do not track” signals or similar mechanisms that may be provided by web browsers or otherwise. We may also permit third parties to collect aggregate usage information regarding Your activities on our Website and Application, and those third parties may also not respond to “do not track” signals.

5. Use of Cookies

Some pages of our Website, and some features of our Application, use cookies. A cookie is a small file containing a string of characters that is sent to Your computer or device when You visit a website or use an application. When You visit the website again, the cookie allows that site to recognize Your browser. Cookies may store user preferences and other information. You can reset Your browser to refuse all cookies or to indicate when a cookie is being sent. However, some Website or Application features or functionality may not function properly without cookies. By using the Website or Application You consent to our use of cookies as explained in this Privacy Policy. We recommend that when You complete Your online transactions, You log off completely before visiting other websites or using other applications and/or restart Your personal computer or mobile device. This may clear Your cookies. We also recommend that You do not visit other websites or use other applications during Your online session with us.

  • Most of our cookies are necessary for the operation of the Website or Application—or a Service that You request as a User of the Website or Application—such as to remember login information, or text You may have entered when You navigate back to a page in the same session. We also use cookies to provide optional features and functionality that You may access on the Website or Application. We use cookies to customize and personalize the Website and Application based on preferences You may have expressed either directly by selecting an option or setting or indirectly by Your prior use. We also use cookies that collect information about how You use the Website and Application to analyze and optimize the performance of the Website and Application in order to give You a better User experience. In some cases, particularly with respect to measuring and analyzing performance of the Website and Application, cookies may be placed by our Third Party service providers.
  • We and our Third Party partners may also employ web beacons, also known as clear GIFs or pixel tags, to help better manage content on the Website. Web beacons are tiny, clear graphics that are embedded invisibly on web pages. They are used to understand and monitor online movements of Users so that we may better understand and improve their experiences on the Website. In contrast to cookies, which are stored on a User’s computer hard drive, web beacons are not stored on a User’s computer or device.
  • We may partner with a Third Party ad network to manage our advertising on other sites. Our ad network partner may use cookies, scripts, web beacons, or other technology to collect information about Your activities on the Website and the Application, as well as on other websites, to provide You targeted advertising based upon Your interests.
  • We may analyze and share information collected through cookies with third parties, such as Starship’s affiliates, business partners, service providers, and in marketing materials.
  • Most web browsers automatically accept cookies but, if You prefer, You may take certain steps to control the use of cookies by modifying Your browser to reject cookies or to notify You whenever a cookie is sent to Your hard drive. You can learn more about cookies and ways to manage them at http://www.allaboutcookies.org/. Please be aware that restricting cookies on the Website or the Application may impair the functionality and performance of the Website or the Application.

6. How Do We Use the Information That You Provide to Us?

Broadly speaking, we use personal information for purposes of administering our business activities, providing customer service and making available other products and services to our customers and prospective customers. Our uses of personal information may include the following:

  • To enable us to process, validate, verify and deliver Services that You have ordered.
  • To allow us or You to personalize the Services that You obtain based on personal characteristics or preferences.
  • To provide Service Notices to You about important changes to the Website or the Application.
  • To provide information about new or existing products, services or special offers from us or from other companies we believe will be of interest to You or otherwise to contact You.
  • To improve Starship’s Services.
  • To monitor Your compliance with the terms of the Starship Terms of Use. For example, we automatically collect IP address information from You when You visit our Website, and we may use this information to monitor Your compliance with the restrictions in our Terms of Use regarding sharing access to Services.
  • To comply with the law.

7. Do We Disclose Information to Outside Parties?

Starship only shares personal information with third parties in the following limited circumstances:

  • We have Your consent for a specific purpose, such as to establish an account or process a transaction.
  • You have registered to participate in an event where we are an organizer in conjunction with a partner or a Third Party event manager.
  • We provide such information to our subsidiaries, affiliated companies, or other trusted businesses or persons for the purpose of processing personal information on our behalf. We require that these parties agree to process such information based on our instructions and in compliance with this Privacy Policy and any other appropriate confidentiality and security measures.
  • If Starship becomes involved in a merger, acquisition or any form of sale of a substantial portion of its assets, we will provide notice before Your personal information is transferred and becomes subject to a different privacy policy.
  • We have a good faith belief that access, use, preservation or disclosure of such information is reasonably necessary to (a) satisfy any applicable law, regulation, legal process or enforceable governmental request, (b) enforce the terms or conditions of the Starship Terms of Use including investigation of potential violations thereof, (c) detect, prevent, or otherwise address fraud, security or technical issues, or (d) protect against imminent harm to the rights, property or safety of Starship, its customers or the public as required or permitted by applicable law.

Your personal information is not otherwise sold or traded or distributed outside of Starship.

8. Sharing Information with Strategic Partners

We may enter into strategic alliances or partnerships with third parties for the purposes of jointly providing additional services. To do so, it may be necessary to share with such third parties limited personal information such as Your name, address, telephone number, and email addresses for the purpose of providing You information regarding such products and services. If You choose to provide personal information or consent to the use of existing personal information for the purposes of subscribing to such additional products or services, both we and our partner may share ownership of this personal information. In any case, we will require that the privacy policies of such partners provide substantially similar protections to those provided by Starship.

9. Third Party and Corporate Subscriptions

If Your access to Starship’s Services is provided by Your employer or a Third Party, Your employer or that Third Party may provide us with limited amounts of personal information about You to enable Your access to the Services. In addition, Your employer or the Third Party may require us to provide information about Your access to the Services, for example to verify that You are using the Services they have purchased on Your behalf. In addition, we may be required to provide Your employer or Third Party with personally identifiable information in order to enforce compliance with the Starship Terms of Use.

10. Choice/Opt Out

Starship offers You the choices and means to limit use and disclosure of Your personally identifiable information. As such, You will be provided with an opportunity to opt-out of the following situations: (a) having Your personally identifiable information disclosed to third parties, other than to the extent legally required or as needed to provide the Services for which You have subscribed or to enable You to attend the events for which You have registered, (b) having Your personally identifiable information used by us for a purpose which is incompatible with the purpose for which it was originally collected or subsequently authorized by You, (c) having Your personally identifiable information shared, sold to third parties, or used or transferred in other ways, (d) having complementary goods and services marketed to You.

Starship will provide You with a clear, conspicuous, readily available mechanism to exercise this choice. We will take all reasonable steps to honor Your request. You may exercise this opt out choice by contacting us support@starshiphsa.com or in writing enumerating Your opt out choices to Starship, 54 King Street, New York, NY 10014.

If You choose to limit the use and disclosure of Your personally identifiable information, Starship may not be able to:

  • Provide service notices regarding Website or Application changes, new or existing products, services, special offers, or otherwise contact You.
  • Share Your information for participation in an event with a partner or Third Party manager.

11. Children’s Privacy Online

We do not knowingly solicit, collect or use personal information from children under 13. For information concerning the Children’s Online Privacy Protection Act (“COPPA”), visit the Federal Trade Commission’s website at www.ftc.gov.

12. Transfer to U.S. or Other Countries

Your information may be stored and processed in the United States or any other country where Starship has facilities, and by subscribing to our Services You consent to the transfer of information outside of the United States.

If Starship becomes involved in a merger, acquisition or any form of sale of a substantial portion of its assets, we will provide notice before personal information is transferred and becomes subject to a different privacy policy.

13. Your Disclosures to Third Parties

From time to time Starship’s Services, Website, or Application may publish notices about events conducted by third parties. In addition, we may offer to our customers and prospective customers products and services of other companies we believe may be of interest to You. We cannot make any representations about the practices, policies, publications, or services of these third parties, however, and Your use of such parties’ offers are Your own responsibility and are not covered by this Privacy Policy.

In addition, we are not responsible for the practices employed by websites linked to or from our Website or Application nor the information or content contained therein. Often links to other websites are provided solely as pointers to information on topics that may be useful to the Users of our Website or Application.

Please remember that when You use a link to go from our Website or Application to another website, this Privacy Policy is no longer in effect. Your browsing and interaction on any other website, including websites that have a link to our Website, is subject to that website’s own rules and policies regarding personally identifiable information, tracking, and privacy. Please read those rules and policies before proceeding.

14. How Do We Secure Information Transmissions?

Other email that You may send to us may not be secure unless we advise You that security measures will be in place prior to Your transmitting the information. For that reason, we ask that You do not send confidential information such as Social Security or credit card account numbers to us through an unsecured email.

15. How Do We Protect Your Information?

Information Security:

Personal information and User-specific settings and preferences are stored using commercially standard database and website security software. User passwords and other sensitive User information are saved in encrypted form to prevent unauthorized access or disclosure and accidental loss, alteration, or destruction.

Evaluation of Information Protection Practices:

Periodically, our operations and business practices are reviewed for compliance with corporate policies and procedures governing the security, confidentiality, and quality of our information.

Employee Access, Training and Expectations:

Our employees are required to protect confidential Third Party information in general as a condition of employment at Starship, and our business practices limit the use and disclosure of such information, including personal information, to authorized persons, processes, and transactions.

16. Providing, Correcting and Updating Your Information

When You order a Service, we ask You to provide personal information. If You decline to submit this personal information, Starship will not be able to provide those Services to You.

This personal information will be used only for the purposes described in this Privacy Policy unless we have obtained Your prior consent.

You may modify Your Password at any time by going to the Forgot Password page from the Login page on the Starship Website or Application. This password is stored in encrypted format so that no one else can change it or use it.

You may contact Starship Support at support@starshiphsa.com to notify Starship of changes to Your personal information, to review and correct Your personal data if they are inaccurate, or to delete such data if it is not otherwise required to be retained by law or for some legitimate business purpose.

To process Your requests, we may ask You to provide such identification as we deem necessary to protect Your personal information from unauthorized access. Also, we may decline to process requests that are unreasonably repetitive or systematic, require disproportionate technical effort, jeopardize the privacy of others, or would be extremely impractical (for example, requests concerning information residing on backup tapes), or for which access is not otherwise required. In any case where we provide information access and correction, we perform this service free of charge during normal business hours of our headquarters corporate office, except if doing so would require a disproportionate effort.

If You have any questions about this Privacy Policy, or concerns about the use of Your personal information, please direct Your inquiry to support@starshiphsa.com.

17. Modifications to this Policy

When You order a Service, we ask You to provide personal information. If You decline to submit this personal information, Starship will not be able to provide those Services to You.

 

California Privacy Statement and Other California Law Provisions

 

This California Privacy Statement is for California Residents only and supplements the Privacy Notice above. This policy is provided to comply with the California Consumer Privacy Act (CCPA). This policy describes the personal information that the Company (“we,” “our,” or “us”) collects in the course of its business, explains how this information is shared, disclosed, and sold, describes rights provided by the CCPA to California Residents (“consumers” or “You”) regarding their personal information, and explains how consumers can exercise those rights.

California Residents include every individual who is in California for other than a temporary or transitory purpose, and every individual who is domiciled in California but who is outside of California for a temporary or transitory purpose.

18. Information We Collect

We may collect information that identifies, relates to, describes, is capable of being associated with, or could reasonably be linked, directly or indirectly, with You or Your household (“personal information”). “Personal information” does not include publicly available information, de-identified or aggregate consumer information, and information exempted from the CCPA, such as information covered by or collected under certain industry-specific laws including the Health Insurance Portability and Accountability Act of 1996, the California Confidentiality of Medical Information Act, the Fair Credit Reporting Act, the Gramm-Leach-Bliley Act, the California Financial Information Privacy Act, and the Driver’s Privacy Protection Act of 1994.

The CCPA requires us to disclose certain information regarding our collection, sale, and sharing of personal information. The following table outlines the categories of personal information that we have collected about consumers in the last 12 months, whether we have sold this personal information in the last 12 months, and whether we have shared the personal information for a business purpose in the last 12 months.

19. How We Collect Your Personal Information

We may obtain Your personal information in the following ways:

Personal Information You Provide Us Directly:

When You subscribe to a Starship Service or Account, or purchase any other products or services from us or our partners, You may need to give personal information necessary to establish Your account and provide the Service and to authorize us to obtain information from various credit services in order to collect Your payment. We collect and may retain personal information (such as Your first and last name, telephone number, mailing address, email address, date of birth, and other general information) that You voluntarily provide us through Your interaction with us by phone, by mail, by e-mail, by fax, at our offices, and through our Website or Application in order to provide You with the service(s) we offer, and to operate and maintain Your account, or products or service provided (e.g., when You call us or visit our Website or Application with questions, when You open an account or engage in transactions).

Personal Information We Receive From You When You Visit Our Website or Application:

When You visit our Website or Application, we collect personal information on the efficiency and working of our site (e.g., cookies, IP addresses). Similar to other commercial websites, our Website uses “cookies”, “web beacons”, and web server logs and Web Traffic Analytic Services to collect information about how our Website is used. The information gathered may include the date and time of visits and page views. We collect specific data about User use of our Services, including the pages accessed by UserID and when they are accessed. This information is collected to ensure individual and corporate compliance with the Starship Terms of Use, and to allow You to customize Your use of the Website or Application. We may collect information about specific searches with the intention of identifying what features of the Website are frequently accessed but do not correlate it to a specific individual. This ensures we can continue to develop our Website to meet the needs of our Users.

Personal Information We Receive Directly Or Indirectly From Other Parties:

We also collect Your personal information directly or indirectly from others, such as consumer reporting agencies (credit and debit bureaus), affiliates, agents, or other companies.

20. How We Use Your Personal Information

We may use or disclose the personal information we collect for one or more of the following business or commercial purposes:

  • To fulfill or meet the reason for which the personal information was provided. For example, if You have provided personal information to us in order to open an HSA or investment account, we will use that information to determine if You qualify for an account and, if so, to open such an account.
  • To provide You with information, products, or services that You request from us.
  • Performing services such as maintaining or servicing accounts, providing customer service, processing or fulfilling orders and transactions, verifying customer information, processing payments, providing advertising or marketing services, providing analytic services, or providing similar services on behalf of the business or service provider.
  • Detecting security incidents, protecting against malicious, deceptive, fraudulent, or illegal activity, and prosecuting those responsible for that activity.
  • Debugging to identify and repair errors that impair existing intended functionality.
  • For short-term, transient use.
  • Internal research for technological development and demonstration.
  • Verification, maintenance, or improvement of the quality of our services and devices.
  • Auditing related to a current interaction with the consumer and concurrent transactions, including, but not limited to, counting ad impressions to unique visitors, verifying positioning and quality of ad impressions, and auditing compliance with this specification and other standards.
  • If the personal information is part of a merger, acquisition, bankruptcy, or other transaction where a Third Party assumes control of us, the information will be shared as permitted by the CCPA.
  • To advance our commercial or economic interest not otherwise identified above.

The CCPA also does not restrict our ability to:

  • Comply with federal, state, or local laws.
  • Comply with civil, criminal, or regulatory inquiries, investigations, subpoenas, or summonses by federal, state, or local authorities.
  • Cooperate with law enforcement agencies concerning conduct or activity that the business, service provider, or Third Party reasonably and in good faith believes may violate federal, state, or local law.
  • Exercise or defend legal claims.
  • Collect, use, retain, sell, or disclose deidentified consumer information or aggregate consumer information.
  • Collect or sell Your personal information if every aspect of that commercial conduct takes place wholly outside of California. “Commercial conduct takes place wholly outside of California” if we collect Your personal information while You are outside of California, no part of the sale of Your personal information occurs in California, and no personal information collected while You are in California is sold. Notwithstanding, we are not permitted to store, including on a device, Your personal information when You are in California and then collect that personal information when You and the stored personal information are outside of California.

21. When We Use and Share Your Information

We may disclose Your personal information with third parties in order to carry out specific business purposes. In the preceding 12 months, we have disclosed consumers’ personal information for business purposes to the following categories of third parties:

  • Our subsidiaries and affiliates.
  • Our contractors, service providers, and other third parties we use to enable us to process, validate, verify and deliver Services that consumers have ordered and who are bound by contractual obligations to keep personal information confidential and use it only for the purposes for which we disclose it to them.
  • If You provide Your consent for a specific purpose, such as to establish an account using a credit card.
  • For our events where individuals have registered to participate and where we are an organizer in conjunction with a partner or a third party event manager, information has been disclosed to these partners or event managers who have been directed to keep personal information confidential and use it only for the purposes for which we disclose it to them.
  • We may enter into strategic alliances or partnerships with third parties for the purposes of jointly providing additional services. To do so, it may be necessary to share with such third parties limited personal information such as Your name, address, telephone number and email addresses for the purpose of providing You information regarding such products and services. If You choose to provide personal information or consent to the use of existing personal information for the purposes of subscribing to such additional products or services, both we and our partner may share ownership of this personal information. In any case, we will require that the privacy policies of such partners provide substantially similar protections to those provided by Starship.
  • If Your access to our Services is provided by Your employer or a third party, Your employer or the third party may require us to provide information about Your access to the Services, for example to verify that You are using the Services they have purchased on Your behalf. In addition, we may be required to provide Your employer or third party with personally identifiable information in order to enforce compliance with the Starship Terms of Use.
  • To a buyer or other successor in the event of a merger, divestiture, restructuring, reorganization, dissolution, or other sale or transfer of some or all of our assets, whether as a going concern or as part of bankruptcy, liquidation, or similar proceeding, in which personal information held by us about our Website or Application users is among the assets transferred.

We may also sell Your personal information to a third party. As explained further below, You have the right to opt out of the sale of Your personal information at any time by submitting a verifiable request to us.

In the preceding twelve (12) months, we have not sold any personal information.

22. Your Rights under the CCPA

The CCPA provides You with certain rights, described below, with respect to the collection, sale, retention, and disclosure of Your personal information.

The Right to Access Information:

You have the right to request that we provide You with certain information about the personal information we collect about You as well as the categories and specific pieces of information that we have collected about You in the 12 months preceding Your verifiable consumer request. Specifically, You have the right to request the following information:

  • The categories of personal information we have collected about You.
  • The categories of sources from which we have collected personal information about You.
  • Our business or commercial purpose for collecting or selling Your personal information.
  • The categories of third parties with whom we share Your personal information.
  • The specific pieces of personal information we collected about You.
    • The categories of personal information that we collected about You;
    • The categories of personal information that we disclosed about You for a business purpose; and
    • The categories of third parties to whom Your personal information was disclosed for a business purpose, and which category of personal information was disclosed to that third party.
  • If we sold Your personal information:
    • The categories of personal information that we collected about You;
    • The categories of Your personal information that we have sold about You by referencing the category; and
    • The categories of third parties to whom we have sold the information, and which category of personal information was sold to that third party.

Once we receive and confirm Your verifiable consumer request, we will disclose the requested information to You.

When You request information, we will provide the information requested in a format that is readily useable and that will allow You to transmit the information from one entity to another entity without hindrance. If You request access to the categories and specific personal information that we have collected about You, we will provide Your personal information in a format that is portable, readily usable, and that will allow You to transmit the information to another entity without hindrance (Data Portability request).

This right does not require us to retain any personal information collected from You for a single, one-time transaction, if we do not sell or retain the personal information, or to reidentify or otherwise link information that is not maintained in a manner that would be considered personal information.

The Right to Deletion:

You have the right to request that we delete any personal information that we have collected from You. Once we receive and confirm Your verifiable consumer request, if we determine that we must comply with a deletion request and delete Your personal information from our records, we will also direct any service providers we work with to also delete Your personal information from their records.

However, we may deny Your deletion request if we or our service providers need Your personal information to:

  • Complete the transaction for which we collected Your personal information, provide a good or service You have requested or that is reasonably anticipated within the context of our ongoing business relationship with You, or otherwise perform our contract with You.
  • Detect security incidents, protect against malicious, deceptive, fraudulent, or illegal activity, or prosecute those responsible for that activity.
  • Debug to identify and repair errors that impair existing intended functionality.
  • Exercise free speech, ensure the right of another consumer to exercise his or her right of free speech, or exercise another right provided for by law.
  • Comply with the California Electronic Communications Privacy Act pursuant to Cal. Penal Code § 1546 et seq.
  • Engage in public or peer-reviewed scientific, historical, or statistical research in the public interest that adheres to all other applicable ethics and privacy laws, when the businesses’ deletion of the personal information is likely to render impossible or seriously impair the achievement of such research, if the consumer has provided informed consent.
  • To enable solely internal uses that reasonably align with Your expectations based on Your relationship with us.
  • Comply with a legal obligation.
  • Otherwise use Your personal information, internally, in a lawful manner that is compatible with the context in which You provided us with the information.

23. How to Exercise Your CCPA Rights

Making a Request:

To exercise Your Right to Access or Right to Deletion, or to make a Data Portability request, please submit a verifiable consumer request to us by either:

Only You (or a natural person or a person registered with the California Secretary of State that You authorize to act on Your behalf and that we can reasonably verify) may make a verifiable consumer request for Your personal information. You may also make a verifiable consumer request on behalf of Your minor child.

The verifiable consumer request must:

  • Provide sufficient information that allows us to reasonably verify You are the person about whom we collected personal information or an authorized representative. We will use any personal information collected from You in connection with our verification of Your request solely for purposes of verification.
  • Describe Your request with sufficient detail that allows us to properly understand, evaluate, and respond to it.

We cannot respond to Your request or provide You with personal information if we cannot verify Your identity or Your authority to make the request on behalf of another person. Making a verifiable consumer request does not require You to create an account with us. We will only use personal information provided in a verifiable consumer request to verify the requestor’s identity or authority to make the request.

Please note that we will only respond to a verifiable consumer request for access or data for personal information twice (2) within a 12-month period.

When and How You Will Receive a Response:

Once we receive a consumer request, we will promptly take steps to determine whether the request is a verifiable consumer request, and disclose and deliver the requested personal information. Our goal is to respond to Your verifiable consumer request within 45 days of receiving it. However, in the event that we need more time (up to 90 days) to respond to Your request, we will inform You of the need for an extension in writing along with the reasons for the extension. If You have an account with us, we will deliver Your requested personal information to that account. If You do not have an account with us, You are not required to create an account with us to make a verifiable consumer request and we will deliver the requested personal information by mail or electronically, at Your option. Any disclosures we provide will only cover the 12-month period preceding the verifiable consumer request’s receipt.

When You request information, we will provide the information requested in a format that is readily useable and that will allow You to transmit the information from one entity to another entity without hindrance. If You request access to the categories and specific personal information that we have collected about You, we will provide Your personal information in a format that is portable, readily usable, and that will allow You to transmit the information to another entity without hindrance (Data Portability request).

If we are unable to comply with a given request, we will provide You with a response within 45 days (or if more time is needed, up to 90 days) explaining why we have not taken action on Your request and identifying any rights You may have to appeal the decision.

Cost to You:

We will not charge You to process or respond to Your verifiable consumer request unless it is excessive, repetitive, or manifestly unfounded. If we determine that the request warrants a fee, we will tell You why we made that decision and provide You with a cost estimate before completing Your request.

24. Non-Discrimination

We will not discriminate against You for exercising any of Your CCPA rights. For example, unless otherwise permitted by the CCPA, we will not:

  • Deny You goods or services.
  • Charge You different prices or rates for goods or services, including through granting discounts or other benefits, or imposing penalties.
  • Provide You with a different level or quality of goods or services.
  • Suggest that You will receive a different price or rate for goods or services or a different level or quality of goods or services.

25. Changes to Our California Privacy Statement

We are required by law to update this California Privacy Statement at least once each year. We will notify You by email or through a notice on our Website homepage when we make changes to this privacy notice.

26. Contact Information

If You have any questions regarding our California Privacy Statement, the ways in which we collect, use, and sell Your personal information, or how to exercise Your rights under the CCPA, please do not hesitate to contact us at:

Phone: (415) 662-0381

Website: https://www.starshiphsa.com

Email: support@starshiphsa.com

Postal Address: Starship, 54 King Street, New York, NY 10014, Attn: Privacy.

27. Additional California Privacy Rights

California Civil Code Section 1798.83 permits users who are California residents to request and obtain from us once a year, free of charge, a list of the names and addresses of all of the third parties to whom we disclosed personal information (if any) for direct marketing purposes during the preceding calendar year. If applicable, this information would include the categories of personal information shared with those third parties. If You are a California resident and wish to make such a request, You may contact us by sending us an email at support@starshiphsa.com or write to us at Starship, 54 King Street, New York, NY 10014, Attn: Privacy.

Fee Schedule

Last updated August 01, 2021

Save for free.

Save for free without any of those pesky fees, all while earning up to .05% APY*

Invest for $1/mo

Invest for only $1/mo for balances below $5,000 with an additional .35% AUM/mo for balances $5,000+

Spending Account interest is different across our two balance tiers.

  • Tier 1: 0.01% APY for balances $0-$1,999.99.
  • Tier 2: 0.05% APY for balances $2,000 and above.

The interest rate of your Starship Spending Account varies across 2 tiers, and is compounded daily on the end-of-day balance.

You shouldn’t have to pay to use your own money. With us, you don’t:

  • $0 monthly maintenance fee
  • $0 funds transfer fee
  • $0 account opening fee
  • $0 transaction fee (within the U.S.)
  • $0 minimum balance fee
  • $0 debit card fee
  • $0 reimbursement fee
  • $0 account closing fee

We don’t believe in hiding fees. The only fees you’ll ever see are:

  • $1/mo fee for investing (below $5,000)
  • $1/mo + 0.35% AUM fee for investing ($5,000+)
  • ~0.2% ETF management fee
  • 1-3% foreign transaction fee (outside of the U.S.)

*Balances in your Starship Spending Account earn .01% Annual Percentage Yield (“APY”) on deposit balances $0.01 – $1,999.99 and .05% APY on deposit balances $2,000 and above. We use the Starship Spending Account’s end of day balance to calculate the interest earned that day. The rates are effective as of August 1, 2021, are variable and subject to change after the account is opened.

Transfer Terms

Last updated May 20, 2021

Investment Withdrawal Terms

By accepting these terms, I authorize the transfer of the stated amount from my Starship Investing Account to my Starship Spending Account.

Your investments will be sold and transferred to your Starship Spending Account within 1-5 business days. Please consider your objectives before selling your investments. Money withdrawn won’t have the chance to recover losses and grow.

I understand that Starship does not provide legal or tax advice, and that I must contact a competent legal or tax professional for personal advice.

One-time Investing Terms

By accepting these terms, I authorize the transfer of the stated amount into my Starship Investing Account from my Starship Spending Account.

The total withdrawal limit from your Starship Spending Account is $5,000 daily and $25,000 monthly.

Investments will be deposited to your Starship Investing Account within 1-5 business days.

Please consider your objectives before investing. As with any investment account, your money is subject to market fluctuation, and may gain or lose value over time (including the money you start with).

I understand that Starship does not provide legal or tax advice, and that I must contact a competent legal or tax professional for personal advice.

Auto-Investment Terms

You understand that once your Starship Spending Account reaches or exceeds your savings threshold by $5 or more, we will automatically transfer the extra amount above your savings threshold to your Starship Investing Account.

The total withdrawal limit from your Starship Spending Account is $5,000 daily and $25,000 monthly.

This transfer will be performed at most once a day.

Before transferring 100% of the funds in your Starship Spending Account to your Starship Investing Account, please consider that you will be unable to purchase goods or services via debit card transactions or obtain reimbursements until you have a positive balance in your Starship Spending Account.

Please consider your objectives before investing. As with any investment account, your money is subject to market fluctuation, and may gain or lose value over time (including the money you start with).

Reimbursement Terms

By accepting these terms, I understand that I can only submit reimbursements for IRS-qualified medical expenses made after opening my Starship Spending Account, and have full responsibility to maintain documentation that substantiates my payment requests for qualified expenses.

The total withdrawal limit from your Starship Spending Account is $5,000 daily and $25,000 monthly.

Reimbursements from your Starship Spending Account will be deposited to your linked bank within 1-5 business days.

I understand that Starship does not provide legal or tax advice, and that I must contact a competent legal or tax professional for personal advice.

One-time Contribution Terms

By accepting these terms, I authorize the deposit of the stated amount into my Starship Spending Account. I understand the eligibility requirements of the type of HSA deposit I am making and state that I qualify to make the deposit.

I assume complete responsibility for:

  1. Determining that I am eligible for an HSA each year I make a contribution. 2. Ensuring that all contributions I make are within the limits set forth by tax laws. 3. The tax consequences of any contribution.

I understand that Starship does not provide legal or tax advice, and that I must contact a competent legal or tax professional for personal advice.

Contributions from your Linked Bank, which must be owned by you, will be deposited to your Starship Spending Account within 1-5 business days.

Recurring Contribution Terms

By accepting these terms, I authorize the deposit of the stated amount into my Starship Spending Account on the 1st of every month. I understand the eligibility requirements of the type of HSA deposit I am making and state that I qualify to make the deposit.

I assume complete responsibility for:

  1. Determining that I am eligible for an HSA each year I make a contribution. 2. Ensuring that all contributions I make are within the limits set forth by tax laws. 3. The tax consequences of any contribution.

I understand that Starship does not provide legal or tax advice, and that I must contact a competent legal or tax professional for personal advice.

I understand that if I update my contribution amount after 7:59am EST on the 1st of the month, the previously scheduled contribution amount may still be processed, and the new amount will be updated for the following deposits.

If you’d like to cancel or pause your recurring contribution, simply set your contribution amount to $0.

Contributions from your Linked Bank, which must be owned by you, will be deposited to your Starship Spending Account within 1-5 business days after initiated on the 1st of the month.

nbkc E-Sign Consent

Last updated June 30, 2020

nbkc bank E-Sign Disclosure

Disclosures can be provided in electronic form for the deposit account(s) you have selected to be opened online. Before obtaining products or services electronically, you must read and indicate your acceptance of the terms outlined below. If you do not consent, you will not be able to proceed with the online account opening process.

  1. In this consent, “we”, “us”, and “our” are used to refer to nbkc bank. All of the disclosures being provided to you may, at our discretion, be in electronic form, and you will be able to review them online in addition to downloading and/or printing them. Your consent applies to the disclosures and notices applicable to the deposit accounts opened during this online session and any subsequent disclosures and notices we send to you regarding any accounts with us.
  2. Disclosures provided in electronic form will not be distributed in paper form. After consenting, if you wish to obtain a paper copy of the disclosure(s), you can do so free of charge by writing us at the address listed below.
  3. You have the right to withdraw you consent at any time, at no cost to you, by writing us at the address listed below.
  4. By consenting to receive disclosures and notices electronically, you agree to provide us with the information (such as current email address) necessary to communicate with you electronically. You are required to update us with any changes in such information by writing us at the address below.
  5. The following lists the hardware and software requirements necessary for access to and retention of the information being provided to you in electronic form. By consenting to receive the disclosures online, you will also be verifying you meet the necessary hardware and software requirements to view the disclosures.
  • A personal computer or other device capable of accessing the internet
  • A web browser which support 128-bit SSL encrypted communications
  • Software that permits you to receive and access Portable Document Format (PDF) files, such as Adobe Acrobat Reader version 6.0 or higher (available for downloading at http://get.adobe.com/reader/

nbkc bank contact information:

nbkc bank
8320 Ward Parkway
Kansas City, MO 64114

Spending Agreements

Last updated August 01, 2021

nbkc Spending Disclosures

Reg E

Last updated January 01, 2021

IN CASES OF ERRORS OR QUESTIONS ABOUT YOUR ELECTRONIC TRANSFER: Telephone us at (646) 626-5551 or write us at support@starshiphsa.com, or write us at 54 King St, New York, NY 10014 as soon as you can if you think your statement or receipt is wrong or if you need more information about a transfer listed on the statement or receipt. We must hear from you no later than sixty (60) days after we have sent the FIRST statement on which the problem or error appeared. Our business days are Monday – Friday, holidays not included.

  1. List your name and account number.
  2. Describe the error of the transfer you are unsure about, and explain clearly why you believe this is an error or why you need more information.
  3. List the dollar amount of the suspected error.

If you tell us orally, you may be required to send us your complaint or question in writing within 10 business days.

It will be determined whether an error occurred within 10 business days (20 business days if the transfer involved a new account) after hearing from you and will correct any error promptly.

For consumer accounts used primarily for personal, family or household purposes, your complaint will be investigated, and any error promptly corrected. The results of the investigation will be available within 10 business days after hearing from you. If more time is needed, however, it may take up to 45 days (90 days if the transfer involved a new account, a point-of-sale transaction, or a foreign initiated transfer) to investigate your complaint or question. If it is decided to do this, your account will be recredited within 10 business days (20 business days if the transfer involved a new account) for the amount you think is in error, so that you will have use of the money during the time it takes us to complete the investigation. If asked to put your complaint or questions in writing and it is not received within 10 business days, your account may not be recredited. Your account is considered a new account for the first 30 days after the first deposit is made, unless you already have an account with us before this account is opened.

If it is decided that there was no error, you will receive a written explanation within 3 business days after the investigation is finished. You may ask for copies of the documents that we used in our investigation.

If a notice of error involves an electronic funds transfer that was initiated outside the U.S. or involves an electronic funds transfer resulting from a point-of-sale debit card transaction, it may take 20 business days after hearing from you to recredit your account. If more time is needed however, it may take 90 calendar days to complete the investigation of your complaint or question.

Investing Agreements

Last updated June 30, 2020

Starship Investing Disclosures

DriveWealth Investing Disclosures

Starship Missions Terms

Last updated August 13, 2021

General

By using the Missions Platform, you agree to these terms and to other policies we post, all of which are hereby incorporated by reference as each may be amended from time to time. Please read them carefully and let us know if you have any questions. For information about our data practices, please see our Privacy Policy. We can collect and use your information in accordance with those policies.

Your Account

To open an account with us, you must meet the conditions set forth in Section 3 of our Terms of Use.

Launching a Goal

Any Starship user may launch a Goal on the Missions Platform to start receiving funds from third parties.

Contributing to a Goal

Any U.S. person may contribute to a Goal so long as such person is in the U.S. at the time the contribution is made. Contributions may not be made by non-U.S. persons, regardless of where they are located at the time the contribution is made, or by U.S. persons who are not physically present in the U.S. at the time the contribution is made. Any person who contributes to a Goal through Starship automatically becomes eligible to become a member of Starship, and as such, will have access to certain rights and privileges extended to Starship members, including Starship’s Offers platform.

Contributions Limited to Tips and Other Payments

Contribution may only be made through the Missions Platform as payment for the provision of services or otherwise as compensation to the Starship user who is the intended recipient. No payments may be solicited or made as part of a crowdfunding or charitable fundraising campaign.

No Contributions for Illegal or Other Prohibited Purposes

Starship strictly prohibits any contributions through its Missions Platform for any illegal or illicit purposes. The following are examples of the types of uses of the Missions Platform that are illegal, illicit or otherwise prohibited by Starship. This list is not exhaustive and we reserve the right to remove any campaign and/or investigate any user who, in our sole discretion, violates any of the terms or spirit of these terms. We further reserve the right, without limitation, to ban or disable your use of the Missions Platform, remove any offending content, suspend or terminate your account, stop payments to any such Goal, freeze or place a hold on contributions, and report you to law enforcement authorities or otherwise take appropriate legal action including seeking restitution on behalf of ourselves and/or our users.

Without limiting the foregoing, each users of the Missions Platform agrees not to use the platform to raise funds or establish or contribute to any campaign with the implicit or explicit purpose of or involving: (a) the violation of any law, regulation, industry requirement, or third-party guidelines or agreements by which you are bound, including those of payment card providers and transaction processors that you utilize in connection with the services; (b) any election campaigns that are not run by a registered organization within the supported country; (c) campaigns that are fraudulent, misleading, inaccurate, dishonest, or impossible; (d) drugs, narcotics, steroids, controlled substances, pharmaceuticals or similar products or therapies that are either illegal, prohibited, or enjoined by an applicable regulatory body; legal substances that provide the same effect as an illegal drug; or other products, medical practices, or any related equipment or paraphernalia that have been found by an applicable regulatory body to cause consumer harm; (e) knives, explosives, ammunition, firearms, or other weaponry or accessories; annuities, investments, loans, equity or lottery contracts, lay-away systems, off-shore banking or similar transactions, money service businesses (including currency exchanges, check cashing or the like), pyramid schemes, “get rich quick schemes” (i.e., investment opportunities or other services that promise high rewards), network marketing and referral marketing programs, debt collection or crypto-currencies; (f) gambling, gaming and/or any other activity with an entry fee and a prize, including, but not limited to raffles, casino games, sports betting, fantasy sports, horse or greyhound racing, lottery tickets, raffle tickets, auctions and other ventures that facilitate gambling, games of skill or chance (whether or not it is legally defined as a lottery), promotions involving monetary rewards, including gift cards, or sweepstakes; (g) content or reflecting behavior that we deem, in our sole discretion, to be an abuse of power or in support of hate, violence, harassment, bullying, discrimination, terrorism, or intolerance of any kind relating to race, ethnicity, national origin, religious affiliation, sexual orientation, sex, gender, gender identity, gender expression, serious disabilities or diseases; (h) the legal defense of alleged crimes associated with hate, violence, harassment, bullying, discrimination, terrorism, or intolerance of any kind relating to race, ethnicity, national origin, religious affiliation, sexual orientation, sex, gender, gender identity, gender expression, serious disabilities or diseases, financial crimes or crimes of deception; (i) activities with, in, or involving countries, regions, governments, persons, or entities that are subject to U.S. and other economic sanctions under applicable law, unless such activities are expressly authorized by the appropriate governmental authority; (j) pornography or other sexual content; (k) offensive, graphic, perverse or sensitive content; or (l) any other activity that Starship may deem in its sole discretion to be unacceptable.

Additionally, with respect to all contributions you make or accept through the Missions Platform, you agree: (a) not to make or accept any contributions that you know or suspect to be erroneous, suspicious or fraudulent; (b) not to use the Missions Platform in or for the benefit of a country, organization, entity, or person embargoed or blocked by any government, including those on sanctions lists identified by the United States Office of Foreign Asset Control (OFAC); (c) at Starship’s request, including without limitation in case of investigations by Starship, a payment processing partner, or a regulatory or governmental authority, to fully cooperate in the auditing of such records, investigation of the relevant circumstances and remedy of any uncovered violation or wrongdoing.

Starship reserves the right to refuse, condition, or suspend any contribution or other transactions that we believe in our sole discretion may violate these Terms and Condition or harm the interests of our users, business partners, the public, or Starship, or that expose you, Starship, or others to risks unacceptable to Starship. We may share any information related to your use of the Missions Platform with the appropriate financial institution, regulatory authority, or law enforcement agency consistent with our legal obligations. This information may include information about you, your account, your contributors, your contributions, and transactions made through or in connection with your use of the Missions Platform.

Receipt of Missions Contributions by Starship Users

The goal of Starship’s Missions Platform is to help Starship users get more funds into their accounts by enabling their connections to contribute to each Goal. The Starship team will strive to make contributions to your Goal available to you as soon as possible. However, we also endeavor to monitor for issues such as fraud, chargebacks and payments disputes. As such, while we try to provide timely access to your funds, you may occasionally experience delays in accessing your funds. We may also block or hold payments for violations of our policies or for compliance reasons. When payments are delayed or blocked, we try to communicate the reason to you promptly. If you have questions about a payments block, please reach out to us. In order to protect Starship users, we may block Goal payments if we believe them to be fraudulent.

If the funds are to be returned back to the contributor for some reason, Starship will be liable for giving its own funds in the event an account holder’s balance will go negative. If your balance will not go negative, then we reserve the right to recover those funds.

Fees

Goal contributions are subject to the fees described in this section. Such fees are charged to the Goal contributor by default, so the recipient receives the entire intended contribution. These fees consist of the transaction fee charged by Stripe, which is equal to 2.9% of any contribution plus $0.30 per contribution, and an application fee charged by Starship, which is equal to 0.6% of any contribution plus $0.25 per contribution. Starship then applies the application fee to cover volume fees charged by Stripe in connection with transferring funds from Starship user’s Stripe accounts to those users’ Starship Account, so the Starship user receives 100% of the anticipated contribution.

Being a Goal Contributor

A Goal contributor is someone who contributes to a Starship user’s Goal. Each Goal contributor automatically becomes eligible to become a member of Starship, and as such, will have access to certain rights and privileges extended to Starship members, including Starship’s Offers and Boosts platforms.

No Refunds

Our policy is to not allow any refunds on any contribution. However, Starship reserves the right to allow for some exceptions where refunds are granted in our sole and absolute discretion. In the event where Starship elects to provide a refund to a contributor, Starship reserves the right to remove the amount refunded from the recipient’s Starship Account.

Maximum Contributions

No Starship user may, in the aggregate, receive more than the annual limit applicable to HSA contributions, which are currently $3,600 per individual who files taxes as a single filer or $7,200 per family.

 

Stripe Connect Agreement

Stripe Connect Agreement

Offers Terms

Last updated June 30, 2020

The Services may contain links or connections to third-party websites or services that are not owned or controlled by Starship. When you access third-party websites or use third-party services, you accept that there are risks in doing so, and that Starship is not responsible for such risks.

Starship has no control over, and assumes no responsibility for, the content, accuracy, privacy policies, or practices of or opinions expressed in any third-party websites or by any third party that you interact with through the Services. In addition, Starship will not and cannot monitor, verify, censor or edit the content of any third-party site or service. We encourage you to be aware when you leave the Services and to read the terms and conditions and privacy policy of each third-party website or service that you visit or utilize. By using the Services, you release and hold us harmless from any and all liability arising from your use of any third-party website or service.

Your interactions with organizations and/or individuals found on or through the Services, including payment and delivery of goods or services, and any other terms, conditions, warranties or representations associated with such dealings, are solely between you and such organizations and/or individuals. You should make whatever investigation you feel necessary or appropriate before proceeding with any online or offline transaction with any of these third parties. You agree that Starship shall not be responsible or liable for any loss or damage of any sort incurred as the result of any such dealings.

If there is a dispute between participants on this site or Services, or between users and any third party, you agree that Starship is under no obligation to become involved. In the event that you have a dispute with one or more other users, you release Starship, its directors, officers, employees, agents, and successors from claims, demands, and damages of every kind or nature, known or unknown, suspected or unsuspected, disclosed or undisclosed, arising out of or in any way related to such disputes and/or our Services. You shall and hereby do waive California Civil Code Section 1542 or any similar law of any jurisdiction, which says in substance: “A general release does not extend to claims that the creditor or releasing party does not know or suspect to exist in his or her favor at the time of executing the release and that, if known by him or her, would have materially affected his or her settlement with the debtor or released party.

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