1. Introduction.
American Spend (“we,” “our,” or “us”) builds the data layer of American commerce. This Privacy Policy explains how we collect, use, disclose, and safeguard information when you visit our website, contact us, or interact with our data products — including the Spend Graph, Spend Market, Revere, and Knox Prime.
2. Information we collect.
We collect several types of information:
- Contact Information: Name, email address, and company details you provide through our forms, newsletter signup, or sales conversations
- Usage Data: Information about your interactions with our website and products
- Device Information: Browser type, IP address, operating system, and device identifiers
- Cookies and Tracking: Data collected through cookies and similar technologies
3. How we use information.
We use the information we collect to:
- Provide, maintain, and improve our products and services
- Respond to inquiries and deliver requested communications
- Produce aggregated, anonymized spending insights
- Detect and prevent fraud, abuse, and security incidents
- Comply with legal obligations and enforce our Terms of Service
- Analyze usage patterns and develop new features
4. Consumer-permissioned data.
The Spend Graph is built on licensed transaction data. Separately, where consumer-permissioned data — obtained through regulated open-banking channels — enters our systems for personalized features:
- Access is granted by the consumer through licensed data aggregators, governed by their own consent flows and privacy policies
- We receive transaction records — not banking credentials, which we never see or store
- Data is normalized, enriched, and mapped to merchants before any downstream use
- Individual transaction details are never sold to third parties
5. Aggregation & anonymization.
Our products publish aggregated, anonymized views of American spending. Before data reaches any product surface:
- Personally identifying fields are removed or transformed
- Records are aggregated across cohorts large enough to prevent re-identification
- Published insights describe categories, geographies, and time periods — never individuals
6. Data sharing.
We may share information in the following circumstances:
- Aggregated Data: Anonymized spending trends are published through our products and licensed to institutional customers
- Service Providers: With vendors that support our infrastructure, hosting, and analytics
- Legal Requirements: When required by law, subpoena, or government request
- Business Transfers: In connection with mergers, acquisitions, or asset sales
- With Your Consent: When you explicitly authorize us to share your information
7. Public & onchain data.
Certain products, including Revere, publish aggregated and anonymized spending data to public blockchains. Please be aware that onchain data is public and permanent: once recorded, it cannot be deleted or made private. No personally identifying information is ever written onchain.
8. Data security.
We implement industry-standard security measures to protect information, including:
- Encryption of data in transit and at rest
- Regular security audits and vulnerability assessments
- Access controls and authentication requirements
However, no method of transmission or storage is 100% secure. While we strive to protect your information, we cannot guarantee absolute security.
9. Data retention.
We retain information for as long as necessary to:
- Provide our products and fulfill the purposes in this policy
- Comply with legal, regulatory, and tax obligations
- Resolve disputes and enforce our agreements
- Maintain aggregated, anonymized datasets for research and analytics
10. Your privacy rights.
Depending on your location, you may have rights regarding your personal information:
- Access: Request a copy of the personal information we hold about you
- Correction: Request correction of inaccurate or incomplete information
- Deletion: Request deletion of your personal information, subject to legal obligations
- Portability: Request transfer of your data to another service
- Opt-Out: Opt out of certain data processing activities, including marketing communications
To exercise these rights, contact us at privacy@americanspend.com.
11. Cookies & tracking.
We use cookies and similar technologies to:
- Remember your preferences and settings
- Analyze site usage and performance
- Prevent fraud and enhance security
You can control cookies through your browser settings, though this may limit some functionality.
12. Children’s privacy.
Our services are not intended for individuals under the age of 18. We do not knowingly collect personal information from children. If you believe we have collected information from a child, please contact us immediately.
13. International transfers.
Your information may be transferred to and processed in countries other than your country of residence. We take appropriate safeguards to ensure your information receives adequate protection wherever it is processed.
14. Changes to this policy.
We may update this Privacy Policy from time to time. We will post the revised policy on this page and update the “Last updated” date. Your continued use of our services after changes take effect constitutes acceptance of the updated policy.
15. Contact us.
Questions about this Privacy Policy or our data practices: privacy@americanspend.com