Legal · U.S. consumers
GLBA Consumer Privacy Notice
Last updated: July 1, 2026
This notice applies to you if you are an individual who resides in the United States and obtain financial services from Inclusiv Finances, Inc. primarily for your personal, family, or household purposes — for example, when you open or use a virtual account, send or receive money transfers through Carla, or use other financial products we offer directly or through our partners.
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 does Inclusiv Finances, Inc. do with your personal information?
| Reasons we can share your personal information | Does Inclusiv Finances, Inc. 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 legal investigations, or report to credit bureaus | Yes | No |
| For our marketing purposes — to offer our products and services to you | Yes | No |
| For joint marketing with other financial companies | No | We don’t share |
| For our affiliates’ everyday business purposes — information about your transactions and experiences | No | We don’t share |
| For our affiliates’ everyday business purposes — information about your creditworthiness | No | We don’t share |
| For our affiliates to market to you | No | We don’t share |
| For nonaffiliates to market to you | No | We don’t share |
“Sharing” for purposes of this table does not include disclosures to service providers that perform services on our behalf, disclosures you authorize, or disclosures permitted or required by law (such as to regulators or in response to subpoenas).
Questions?
Call or email us at privacy@carla.money or visit https://www.carla.money.
Who we are
Who is providing this notice?
Inclusiv Finances, Inc. and its affiliates that provide consumer financial services.
What we do
How does Inclusiv Finances, Inc. protect my personal information?
To protect your personal information from unauthorized access, destruction, loss, alteration, or misuse, we use security measures designed to comply with federal law. These measures include encryption, access controls, secured systems, and monitoring. We require service providers that handle personal information on our behalf to implement appropriate safeguards as well.
How does Inclusiv Finances, Inc. collect my personal information?
We collect your personal information, for example, when you:
- open an account or apply for a financial product;
- send or receive money or provide bank account information;
- verify your identity through our services (including via WhatsApp or linked channels);
- use our website or interact with our support team.
We also collect your personal information from others, such as identity verification providers, payment processors (including Stripe), partner financial institutions, and credit bureaus where permitted by law.
Why can’t I limit all sharing?
Federal law gives you the right to limit only:
- sharing for affiliates’ everyday business purposes — information about your creditworthiness;
- affiliates from using your information to market to you;
- sharing for nonaffiliates to market to you.
State laws and individual companies may give you additional rights to limit sharing. See “Other important information” below for more information 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. Our affiliates include entities under common control with Inclusiv Finances, Inc. that help provide financial or technology services.
Nonaffiliates
Companies not related by common ownership or control. They can be financial and nonfinancial companies. Nonaffiliates with which we share personal information include service providers that perform services or functions on our behalf (such as payment processing, cloud hosting, identity verification, and fraud prevention), partner financial institutions, and regulators or other parties when required by law.
Joint marketing
A formal agreement between nonaffiliated financial companies that together market financial products or services to you. Inclusiv Finances, Inc. does not currently engage in joint marketing arrangements that would share your personal information for this purpose.
Other important information
California
If your account with us is associated with a California billing or mailing address, we will not disclose personal information we collect about you except to the extent permitted under California law. For instance, we may disclose your personal information as necessary to process transactions or provide products and services you request, at your instruction, as required for institution risk control, and to safeguard against fraud, identity theft, and unauthorized transactions.
Vermont
If your account with us is associated with a Vermont billing address, we will not disclose information about your creditworthiness to our affiliates and will not disclose your personal information, financial information, credit report, or health information to nonaffiliated third parties to market to you, other than as permitted by Vermont law, unless you authorize us to make those disclosures.
Financial partners
Certain financial products are provided in partnership with Stripe and partner financial institutions. Those partners may have their own privacy notices governing information they collect directly from you. Our full Privacy Policy describes how Inclusiv Finances, Inc. handles personal information across our services.