Privacy Notice
rev. August 2024
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| Why? | Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do. |
| What? | The types of personal information we collect, and share depend on the product or service you have with us. This information can include:
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| How? | All financial companies need to share customers’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers’ personal information; the reasons Subbal chooses to share; and whether you can limit this sharing. |
| Reasons we can share your personal information | Does Subbal share? | Can you limit this sharing? |
For our everyday business purposes— such as to process your transactions, maintain your account(s), respond to court orders and legalinvestigations. | Yes | No |
For our marketing purposes— to offer our products and services to you | Yes | No |
| For joint marketing with other financial companies | Yes | No |
For our affiliates’ everyday business purposes— information about your transactions and experiences | Yes | No |
| For our affiliates to market to you | Yes | Yes |
| For nonaffiliates to market to you | No | We do not Share |
To limit our sharing |
Please note: If you are a new customer, we can begin sharing your information 30 days from the date we sent this notice. When you are no longer our customer, we continue to share your information as described in this notice. However, you can contact us at any time to limit our sharing. |
| Questions? |
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| Who we are | |
| Who is providing this notice? | SUBBAL |
| What we do | |
| How does Subbal protect my personal information? | To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings. |
| How does Subbal collect my personal information? | We collect your personal information, for example, when you
We also collect your personal information from third parties (such as Subbal’s, affiliates and Financial Institutions we partner with). |
| Why can’t I limit all sharing? | Federal law gives you the right to limit only
State laws and individual companies may give you additional rights to limit sharing. See below for more on your rights under state law. |
| What happens when I limit sharing for an account I hold jointly with someone else? | Your choices will apply to everyone on your account. |
| Definitions | |
| Affiliates | Companies related by common ownership or control. They can be financial and nonfinancial companies.
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| Nonaffiliates | Companies not related by common ownership or control. They can be financial and nonfinancial companies.
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| Joint marketing | A formal agreement between nonaffiliated financial companies that together market financial products or services to you.
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| Other important information | |
FOR VERMONT RESIDENTS: We will not share information we collect about you with nonaffiliated third parties, except as permitted by Vermont law, such as to process your transactions or to maintain your account. FOR CALIFORNIA RESIDENTS: We will not share information we collect about you with nonaffiliated third parties, except as permitted by California law, such as to process your transactions or to maintain your account. We will limit sharing among our companies to the extent required by California law. FOR NEVADA RESIDENTS: We are providing this notice to you pursuant to Nevada law. If you prefer not to receive marketing calls from us, you may be placed on our internal Do Not Call List by writing to us at 19800 North Creek Parkway, Suite 202, Bothell, WA 98011. Nevada law requires that we also provide you with the following contact information: Bureau of Consumer Protections, Office of the Nevada Attorney General, 555 E. Washington Street, Suite 3900, Las Vegas, NV 89101, phone number (702) 486-3132, email BCPINFO@ag.state.nv.us. State laws may also provide you with specific privacy protections. We will comply with applicable state laws with respect to our use of your information. | |
Your money’s safe space
Advanced security comes standard, with real-time monitoring, 2FA and biometric authentication safeguarding your account around the clock.
What is SUBBAL?
SUBBAL is an all-in-one fintech platform built for modern times, modern agencies and creators. It combines global payments, multi-currency accounts, cards, sub-balances, payroll, automated invoicing, and revenue splitting all in one place.
Who is SUBBAL built for?
SUBBAL is designed for agencies managing creators, creators working with agencies, online businesses selling worldwide, and teams that need structured accounts, cards, and global payments. SUBBAL also supports automated payment splitting to SubLync personal accounts.
How do automated revenue splits work?
All payments first arrive into the segregated creator parent account that you create once signed up.
Once funds are received into your account, the system instantly applies the agreed split percentage between the creator and the agency, as confirmed by mandate from both creators and agencies.
This means immediately:
– The creator receives their share directly into their SubLync account.
– The agency receives their share directly into their Subbal account.
There are:
- No manual calculations
- No internal transfers
- No payment delays
- No reconciliation errors
This ensures transparency, protection, and certainty for everyone involved.
Can I manage multiple currencies from one account?
Yes. You receive one multi-currency account that allows you to hold, receive, send, and manage funds across multiple currencies, with sub-balances to organize your finances clearly and efficiently.
Can I issue cards to my team?
Yes. You can instantly create virtual or order physical cards for individuals or shared groups. Set spending limits, control permissions, and track transactions in real time, all from one dashboard.
How does global payroll work?
You create your payroll template once.
Example: Add each team member’s salary, currency, and payment date. Save it to the platform as your fixed monthly payroll schedule.
Each month, simply review and approve. Payments are sent automatically to all team
members across different countries and currencies, accurately and on time.
You can edit amounts, add or remove team members, or adjust payment dates at any
time.
No re-uploading spreadsheets. No manual re-entry. Just structured, repeatable payroll — built for global teams.
Can I customise user access and permissions?
Yes. You can invite unlimited users and define exactly who can view balances, approve or send payments, and manage cards — ensuring the right level of access for every role within your team.
Is SUBBAL secure?
Yes. Security and safeguarding are built into the core of SUBBAL and SubLync.
We have partnered with leading regulated financial institutions and global banking providers to power our infrastructure, ensuring funds are held within safeguarded accounts and protected under strict regulatory frameworks.
Our platform includes:
- Real-time transaction monitoring
- Two-factor authentication (2FA)
- Biometric login
- Role-based access controls
- Encrypted data storage and transmission
- Advanced fraud detection systems
All funds are processed through secure banking rails and trusted global payment networks, with institutional-grade security standards applied across the platform.
Security isn’t an add-on, it’s foundational to how SUBBAL operates.
How is SUBBAL different from other payout or wallet platforms?
Most payout platforms focus purely on moving money. Wallet apps focus on storing money.
SUBBAL is built to structure, automate, and control how money flows between agencies and creators.
Funds are received into segregated parent accounts, automatically split based on agreed mandates, and distributed in real time.
Alongside multi-currency accounts, cards, payroll, and role-based permissions, this creates a complete operational platform, not just a payment tool.
SUBBAL also integrates directly with SubLync a dedicated personal account for creators. SubLync functions similarly to a modern digital banking app, allowing creators to hold funds, spend via card, and manage their money easily once it has been split and allocated.
This means agencies get control and automation, while creators receive a seamless personal financial experience.
SUBBAL isn’t just a wallet or payout processor. It’s financial infrastructure for the creator economy.
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