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Privacy Policy

Effective Date: April 13, 2026

This Privacy Policy describes how ThriftHub, Inc. ("ThriftHub," "we," or "us") collects, uses, stores, and protects information provided by individuals who sell goods to ThriftHub through our platform ("Sellers"). This Policy applies to all Sellers and is incorporated by reference into the ThriftHub Seller Terms of Sale and Platform Use.

By using the ThriftHub platform, you acknowledge that you have read and understood this Privacy Policy.

1. Information We Collect

We collect only the information necessary to evaluate items for purchase, process payments, comply with applicable law, and operate our platform. This includes:

  • 1.1 Identity information: Full name, email address, phone number, and shipping address, provided during account creation or item submission.
  • 1.2 Payment information: Bank account details necessary to process payment for accepted items. This information is collected and stored through our payment processor, Stripe, and is subject to Stripe's security and compliance standards. ThriftHub does not store raw bank account or routing numbers on its own systems.
  • 1.3 Item submission data: Photographs, descriptions, condition assessments, and other information submitted in connection with items offered for sale.
  • 1.4 Transaction records: Records of accepted and rejected items, payment amounts, and communication history related to transactions.
  • 1.5 Platform usage data: Technical information including IP address, device type, browser data, and interaction logs, collected automatically when you use the platform. This data is used for security, fraud prevention, and platform improvement.
  • 1.6 Communications: Records of support requests, dispute communications, and platform notifications.

We do not collect government-issued ID numbers, Social Security numbers, or tax identification numbers in connection with goods purchase transactions. ThriftHub does not issue Forms 1099-NEC and does not collect Forms W-9 for goods purchases, except as may be required by a change in applicable law.

2. How We Use Your Information

We use the information we collect for the following purposes:

  • 2.1 Transaction processing: To evaluate items submitted for sale, communicate acceptance or rejection decisions, and process payment for accepted items.
  • 2.2 Payment disbursement: To transmit purchase price payments to Sellers through our payment processor.
  • 2.3 Fraud prevention and compliance: To detect and prevent fraudulent submissions, misrepresentation, and prohibited item submissions, and to comply with applicable legal obligations.
  • 2.4 Platform operations: To maintain and improve platform functionality, user experience, and operational efficiency.
  • 2.5 Internal analytics and model improvement: Aggregated and de-identified transaction and behavioral data may be used to improve our pricing algorithms, item evaluation systems, and operational processes. Individual-level data is not sold or licensed to third parties for commercial purposes.
  • 2.6 Legal obligations: To respond to lawful requests from government authorities, comply with applicable law, and enforce our Terms of Sale and Platform Use.

We do not use your personal information to train or develop AI or machine learning models in ways that would identify you individually, and we do not sell your personal information to third parties.

3. Payment Data and Bank Account Security

Bank account information provided for payment purposes is processed exclusively through Stripe, Inc., our payment processor. Stripe maintains industry-standard security certifications and complies with applicable financial data protection requirements, including the NACHA Operating Rules for ACH transactions.

ThriftHub does not store bank account numbers or routing numbers in its own databases. If you have questions about how Stripe handles your financial data, Stripe's privacy policy is available at stripe.com/privacy.

We maintain reasonable administrative, technical, and physical safeguards designed to protect personal information against unauthorized access, disclosure, or misuse, consistent with the requirements of the FTC Safeguards Rule and applicable state law.

4. Information Sharing and Disclosure

We do not sell, rent, or license your personal information to third parties. We may share your information only in the following circumstances:

  • 4.1 Service providers: We share information with third-party vendors who support our operations, including payment processing (Stripe), shipping logistics, cloud infrastructure, and analytics. These vendors are contractually required to protect your information and may only use it to provide services to ThriftHub.
  • 4.2 Legal compliance: We may disclose information in response to a valid subpoena, court order, or government request, or where disclosure is required by applicable law.
  • 4.3 Business transfers: In the event of a merger, acquisition, or sale of all or substantially all of ThriftHub's assets, your information may be transferred as part of that transaction. We will provide notice through the platform if such a transfer materially affects how your information is handled.
  • 4.4 Fraud and safety: We may share information with law enforcement or other parties where necessary to prevent fraud, protect the rights or safety of ThriftHub or others, or enforce our Terms of Sale and Platform Use.

We do not share your individual transaction data, payment amounts, or personal identifiers with investors, marketing partners, or unaffiliated third parties for commercial purposes.

5. Data Retention

We retain personal information for as long as reasonably necessary to fulfill the purposes described in this Policy, comply with applicable legal obligations, resolve disputes, and enforce our agreements. In general:

  • 5.1 Transaction records: Retained for a minimum of five (5) years following a transaction to support tax, legal, and audit requirements.
  • 5.2 Account information: Retained for the duration of your account and for a reasonable period following account closure, consistent with applicable law.
  • 5.3 Payment data: Bank account information held by Stripe is subject to Stripe's retention policies. ThriftHub retains only payment confirmation records, not raw account data.

You may request deletion of your account and associated personal information by contacting us at the address below. We will honor deletion requests to the extent required by applicable law and consistent with our legal obligations to retain certain records.

6. Your Rights

Depending on your state of residence, you may have rights with respect to your personal information, including:

  • 6.1 Access: The right to request a copy of the personal information we hold about you.
  • 6.2 Correction: The right to request correction of inaccurate information.
  • 6.3 Deletion: The right to request deletion of your personal information, subject to applicable legal retention requirements.
  • 6.4 Opt-out of sale: ThriftHub does not sell personal information. No opt-out is required.

To exercise any of these rights, contact us at privacy@thrifthub.ai. We will respond within the timeframe required by applicable law.

7. Data Security

We implement commercially reasonable technical and organizational security measures to protect your personal information. These measures include encryption of data in transit, access controls limiting internal access to personal data, and vendor security requirements for third-party service providers.

In the event of a data breach involving your personal information, we will notify affected Sellers as required by applicable state and federal law, including Florida Statute 501.171 and Delaware Code Title 6 Section 12B.

No system is completely secure. If you have reason to believe your information has been compromised, contact us immediately at privacy@thrifthub.ai.

8. Children

The ThriftHub platform is intended for use by individuals who are 18 years of age or older. We do not knowingly collect personal information from individuals under the age of 18. If we become aware that we have collected information from an individual under 18, we will delete it promptly.

9. Changes to This Policy

We may update this Privacy Policy to reflect changes in our practices, legal requirements, or operational changes. Material changes will be communicated through a platform notice prior to taking effect. Continued use of the platform following notice of a material change constitutes acceptance of the updated Policy.

Non-material changes (such as formatting or clarifying edits that do not affect your rights) may be made without advance notice.

10. Contact

For questions, requests, or concerns regarding this Privacy Policy or your personal information, contact:

ThriftHub, Inc.
Privacy Inquiries: privacy@thrifthub.ai

ThriftHub, Inc. is a Delaware corporation. This Policy is governed by the laws of the State of Delaware, consistent with the governing law provisions of the ThriftHub Seller Terms of Sale and Platform Use.