Privacy Policy

The short version

• We collect what we need to run Bingio: your account and profile, the inquiries brands send you, the conversations and deals on Bingio, payment records, and the usual technical data.
• A creator's private rate information is confidential. It is used to screen inquiries for that creator and is never given to brands through the assistant.
• When money moves, we record who agreed to what, when, and from where. Those records are kept to settle refunds, disagreements and card disputes, and they outlive an account for a limited time.
• Bingio is free for creators: we collect no subscription or card details from creators.
• We use trusted providers (Stripe, Clerk, Supabase, Netlify, Resend, Cloudflare, Google Analytics and an AI provider) to run the service. They process data for us under their own confidentiality obligations.
• We do not sell personal information and do not use it for targeted advertising.
• We may contact a brand about Bingio's services using the business contact details it gives us. Every such email has an unsubscribe link, and we never share a creator's rates, terms or messages in doing so.
• If you are in the European Economic Area, the United Kingdom or Switzerland, Section 10 sets out the legal bases we rely on, your rights, and how your information reaches the United States.
• You can see, correct and delete your information, and you can ask us questions, at support@bingio.co.

This Privacy Policy explains how Signature Labs, a Colorado limited liability company located in Boulder, Colorado ("Bingio," "we," "us" or "our"), collects, uses, shares and protects information in connection with the Bingio service, including the website at bingio.co, the creator dashboard, the brand intake assistant, deal conversations and payments (together, the "Service"). Signature Labs is the controller of that information.

By using the Service, you agree to the practices described here. If you do not agree, do not use the Service.

1. Who This Policy Covers

This Policy applies to:

• Creators: people who register an account and use Bingio to receive and manage partnership inquiries, talk with brands and get paid.
• Brands: people who submit an inquiry through a creator's public link, continue a conversation on Bingio, or pay a creator through Bingio. No account is required.

Where our practices differ between the two, we say so.

2. Information We Collect

2.1 Information creators provide - Account information: name, email address and the details your sign-in method gives us (such as Google or a passwordless email link). We do not store passwords. - Profile and preferences: your handle, the platforms you use, content categories, partnership preferences, the terms you will and will not accept, and any optional public budget signal you choose to share. - Private rate information: rate floors and related figures you enter. This information is confidential. It is used to organize and screen inquiries on your behalf and is not disclosed to brands through the assistant. - Profile media: images you upload (such as a profile photo). - Deal information: the deal summaries you send (deliverables, your rate, due date, revisions, usage and other terms), what you mark as delivered (a link and a note), and your answers to refund requests. - Payment information: when a brand pays you through Bingio, Stripe collects the identity and bank-account details it needs to pay you out and to meet its legal obligations; we receive your Stripe account's status and requirements, not your bank details. We keep the payment records described in Section 2.4. Bingio is free for creators, so we collect no card or subscription details from you. - Invitations: who invited you, and the invitations you send, so we can run the invitation system and set your starting standing with Bingio.

2.2 Information brands provide - Inquiry content: the brand name, campaign details, deliverables, budget information, contact email and anything else submitted to the assistant, including an uploaded brief. - Conversation and deal information: messages in a Bingio conversation, your decisions on a delivered deal (approve, ask for changes, request a refund) and the reasons you give. - Payment information: card details are collected and processed by Stripe; we receive the amount, status, card brand and last four digits, and Stripe's risk and dispute information for the payment. We do not store full card numbers.

This information is shared with the relevant creator so they can evaluate the inquiry and run the deal.

2.3 Information collected automatically - Usage and device data: IP address, browser type, device information, pages viewed, actions taken, timestamps and similar analytics. - Conversation data: messages exchanged with the assistant, screening signals (such as whether an inquiry appears genuine or low-quality) and related metadata used to operate, screen, secure and improve the Service. - Security data: information used for bot protection, rate limiting and abuse prevention, including a bot-protection challenge provided by a third-party security provider. - Cookies and similar technologies: we and our providers use cookies and similar technologies for authentication, session management, security and analytics. - Analytics (Google Analytics): on our public pages (the landing page, sign-up and onboarding, public creator links and invitation links) we use Google Analytics 4 to understand traffic and how visitors find and move through the Service. For visitors in the United States and elsewhere outside the regions named next, Google Analytics sets its cookies and collects usage data (pages viewed, approximate location, device and browser, interactions); IP addresses are not logged or stored by Google Analytics 4, and Google processes this data as described in Google's own policies. If you visit from the European Economic Area, the United Kingdom or Switzerland, Google Analytics runs without consent-dependent storage: it sets no cookie and keeps no identifier for you, and we receive only aggregate, cookieless counts. We do not show a cookie banner because we do not ask for that consent; nothing about you is stored on your device for analytics. We never enable advertising features, so no advertising cookie or identifier is set for anyone. You can also opt out of Google Analytics everywhere with Google's browser add-on (https://tools.google.com/dlpage/gaoptout).

2.4 Money records When money moves on Bingio we keep a record of it: the deal summary that was paid, the amounts, Stripe's identifiers for the payment, the transfer, the payout and any refund, dispute or reversal, and the state of the payout schedule at each step (delivered, approved, refund requested, contested, decided). Before any money moves, each side confirms the money terms; we record each confirmation with the time, the network (IP) address, the browser, the version of the Terms shown and the exact wording confirmed. These records are part of the deal record, are shown to both sides of the deal in their own views, and are used to settle refunds, disagreements and card disputes.

2.5 Information from third parties We receive limited information from authentication providers (such as your verified email), from Stripe (such as the status of a payment, payout or dispute, and whether a payout account is in good standing), and from our infrastructure providers as needed to operate the Service.

3. How We Use Information

We use information to:

• provide, operate and maintain the Service;
• create and manage creator accounts and authenticate users;
• receive, screen, classify, organize and present inquiries to creators;
• operate the assistant, including processing inquiry content to gather campaign details;
• run deal conversations and deals: deliveries, approvals, revisions, refund requests, contested refunds and Bingio's decision on them, and card disputes;
• collect a brand's payment for a creator as the creator's payment-collection agent, apply the payout schedule and refund policy in the Terms of Service, and pay the creator out through Stripe;
• set and update a creator's standing with Bingio (the single-payment limit and settlement delay described in the Terms of Service) from how they joined, their record of completed deals, refunds and disputes;
• help creators draft outreach messages, which the creator sends from their own email account;
• tell brands about Bingio's services, for example that other creators on Bingio would like to work with them, using the business contact details a brand gives us when it submits an inquiry, chats or pays; every such email includes an unsubscribe link and our postal address, we stop on the first unsubscribe, and we never share a creator's private rate information, deal terms or messages in doing so;
• protect the Service through bot detection, rate limiting, spam filtering, fraud and abuse prevention;
• communicate with you, including service notifications (such as a delivery, an approval, a reminder, a refund or a payout) and support;
• monitor, analyze and improve the Service;
• comply with legal obligations, including tax and payment-network rules, and enforce our Terms.

Bingio staff may access deal records and messages for support, safety and disputes. That includes deliveries and confirmations, for refunds and disagreements too.

We do not sell your personal information.

4. AI Processing

The Service uses third-party artificial-intelligence providers to process inquiry conversations and related content. Conversation content is sent to these providers only to operate the Service (for example, to gather and structure campaign details and to apply screening and safety measures). We choose providers that offer appropriate confidentiality protections and that do not use our inputs to train their models under the terms we use. AI output may be inaccurate and is provided for information and organization only.

5. How We Share Information

We share information only as described here:

• Between the two sides of a deal: a brand's inquiry, messages and deal decisions are shared with the creator; a creator's deal summary, delivery, refund answers and the public parts of their profile are shared with the brand. Neither side sees the other's payment-method details, and brands never see a creator's private rate information or standing with Bingio.
• With service providers: vendors who help us operate the Service, including authentication (Clerk), payment processing and payouts (Stripe), hosting (Netlify), database and storage (Supabase), email delivery (Resend), bot protection (Cloudflare Turnstile), analytics (Google Analytics) and AI processing providers. They process information on our behalf under confidentiality and data-protection obligations. Stripe also acts on its own account for the identity, bank and tax information it collects from creators, under Stripe's privacy policy.
• To respond to a card dispute: if a brand disputes a charge with its card issuer, we send Stripe and the card network the deal record for that payment (the summary, the delivery, the conversation and the confirmations).
• For legal reasons: if required by law, subpoena or legal process, or to protect the rights, property or safety of Bingio, our users or the public.
• In a business transfer: if we are involved in a merger, acquisition, financing or sale of assets, information may be transferred as part of that transaction, subject to this Policy.
• With your consent: where you direct or permit us to share.

We do not sell personal information, and we do not share it for cross-context behavioral advertising.

6. Data Retention

We keep information for as long as needed to provide the Service and for legitimate business or legal purposes. Creator account information is kept while your account is active. Inquiry and conversation data is kept to give creators their dashboard history and for security and improvement. We may keep certain information after an account closes to comply with legal obligations, resolve disputes and enforce our agreements. When information is no longer needed, we take reasonable steps to delete or anonymize it.

Money records are kept longer. Payment, payout, refund, dispute and confirmation records (Section 2.4) are kept for as long as the law and the card networks require, which is at least as long as a charge can be disputed and the dispute resolved.

Payment records after account deletion. If you delete your account after receiving a payment through Bingio, we delete your profile and public link, but we keep the records of each paid deal for 120 days from deletion: the payment details, the brand's inquiry conversation, the messages between you and the brand, the delivery and the confirmations. We keep them only to respond to payment disputes and chargebacks and to complete any payout, refund or reversal the Terms of Service require. If a dispute is opened on one of those payments, we keep the records for that deal until 120 days after the dispute was opened. After that, they are deleted automatically.

7. Security

We use reasonable administrative, technical and organizational measures to protect information, including server-side access controls, gated administrative access, signed links for brand pages, and bot and abuse protection. No method of transmission or storage is completely secure, and we cannot promise absolute security. You are responsible for keeping your sign-in method secure.

8. Your Choices and Rights

• Access and update: you can access and update your account information through the Service.
• Profile and rate information: you control the preferences and rate information you enter and can update or remove much of it through your dashboard.
• Marketing and notifications: you can opt out of non-essential communications; we still send service messages, including the deal and payment notifications a deal requires. A brand can manage its deal emails from the link in any of them, and can stop emails about Bingio's services with the unsubscribe link in any of those or by writing to support@bingio.co.
• Account deletion: you can delete your account from your profile page or by contacting support@bingio.co. Money records are kept as Section 6 describes.

Depending on where you live, you may have additional rights (such as the right to access, correct, delete or restrict processing of your personal information, or to data portability). See the regional sections below.

9. Colorado and U.S. State Privacy Rights

If you are a Colorado resident, the Colorado Privacy Act may give you rights to access, correct, delete and obtain a portable copy of your personal data, and to opt out of certain processing. Residents of other U.S. states with comprehensive privacy laws may have similar rights. We do not sell personal data or process it for targeted advertising. To exercise your rights, contact support@bingio.co. We will verify your request and respond as the law requires. You may appeal a decision by contacting us at the same address.

10. International Users, and Residents of the EEA, the UK and Switzerland

The Service is operated from the United States, and creators must be based in the United States for now. Brands may be anywhere. If you use the Service from outside the U.S., your information is transferred to and processed in the United States, where data-protection laws may differ from those in your country.

If you are in the European Economic Area, the United Kingdom or Switzerland, this Section also applies to you.

Controller. Signature Labs, Boulder, Colorado, USA, is the controller. We have not appointed a representative in the EEA or the UK; contact us at support@bingio.co.

Legal bases. We process your information: to perform our contract with you or take steps you ask for before one (running your inquiry, conversation or payment: Terms of Service); for our legitimate interests in operating, securing and improving the Service, in settling refunds and disputes, and in telling brands that have used the Service about Bingio's services (business contacts only, with an unsubscribe in every email and the right to object at any time), where those interests are not overridden by your rights; to comply with legal obligations (including payment-network, tax and anti-fraud rules); and with your consent, where we ask for it. We do not ask for analytics consent: for visitors in the EEA, the UK and Switzerland, Google Analytics sets no cookie and keeps no identifier (Section 4), so our analytics there rests on our legitimate interest in counting visits, not on consent. Where we do rely on consent, you may withdraw it at any time without affecting earlier processing.

Your rights. You have the right to ask for access to your personal data, to have it corrected or erased, to restrict or object to its processing (including processing based on legitimate interests), to receive it in a portable form, and to lodge a complaint with your data-protection authority (in the UK, the Information Commissioner's Office). To exercise a right, contact support@bingio.co; we will verify your request and answer within the time the law allows.

International transfers. Your information is transferred to the United States. Where our providers offer them, transfers rely on the European Commission's Standard Contractual Clauses and the UK International Data Transfer Addendum, or on an adequacy decision that covers the provider (such as the EU-U.S. Data Privacy Framework for certified providers). Otherwise the transfer is necessary to perform the contract you asked for (for example, to pay a creator), or takes place with your consent.

Retention follows Section 6. Automated decisions: the assistant screens inquiries and the product applies the payout schedule automatically (for example, treating work as approved when a review window passes); a person at Bingio decides a contested refund, and you can ask us to review any automated outcome that affects you.

By using the Service from outside the United States, you acknowledge this transfer.

11. Children's Privacy

The Service is not directed to anyone under 18, and we do not knowingly collect personal information from anyone under 18. If we learn we have, we will delete it. If you believe a minor has given us information, contact support@bingio.co.

12. Third-Party Links and Services

The Service may link to or rely on third-party websites and services, including the links creators and brands share with each other. This Policy does not apply to those third parties, and we are not responsible for their privacy practices. Review their policies separately.

13. Changes to This Policy

We may update this Policy from time to time. If we make material changes, we will give notice (for example, by posting the updated Policy with a new "Last updated" date or by emailing you). Changes are effective when posted unless stated otherwise. Your continued use of the Service after changes take effect is acceptance of the changes.

14. Contact

If you have questions about this Policy or our privacy practices, or to exercise your rights, contact:

Signature Labs
Boulder, Colorado, USA
Email: support@bingio.co

This Policy is not legal advice.