Effective Date: 12/24/2021

This Privacy Policy describes how X4Y LLC (“X4Y,” “we,” “us,” or “our”) collects, uses, and shares information about individuals (“you”) through our Spec Bank platform, offered at the website (“Site”), any websites that link to this privacy policy, and any other information collected through interactions with the Spec Bank platform (collectively, our “Solution”).

Information Collected

We may collect personal information from or about you when you voluntarily provide us with such information; for example, by filling out forms on our Site, sending us scripts, signing up for our mailing list or a subscription, applying for a job, requesting services, or otherwise communicating with us for any purpose. We may also receive personal information about you from third parties, such as partners, data providers, affiliates, and service providers. We may combine the information we collect from other sources with any information that you provide to us.

The personal information that we collect may include your name, your contact information (such as address, phone number, and email address), employment information, background information such as creative interests and experience, your picture or video if you upload it to the Site, any content you upload to our Site or provide to the Solution, links to content you provide, social media account IDs, geolocation information, and your date of birth.

Additionally, when you access our Site, we or our third-party partners may collect information automatically such as your IP address, information about your browser, computer, or mobile device, including device identifiers, your interactions with our Site, or information stored in a cookie. We may also use third-party service providers that may collect information about your online activities across this and other sites over time.

Use of Information

We may use information that we or our service providers collect from you for the purposes identified at the point of collection or as provided in this policy. Among other uses, we may use your information in the following ways:

Sharing of Information

We may share the information that we collect:

Cookies and Similar Technologies

The Site uses cookies and similar technologies. A cookie is a small file of letters and numbers that we store on your browser or the hard drive of your computer. Cookies contain information that is transferred to your computer's hard drive. For the purpose of this Privacy Policy, cookies and other similar technologies (like scripts, plugins, tags, device fingerprints, Local Stored Objects, beacons and pixels) are all called “cookies.”

Digital Advertising and Analytics

We may partner with ad networks and other ad serving providers that serve ads on behalf of us and others on non-affiliated platforms. Some of those ads may be personalized, meaning that they are intended to be relevant to you based on information advertising providers collect about your use of the Sites over time, including information about relationships among different browsers and devices. This type of advertising is known as interest-based advertising. We adhere to the Digital Advertising Alliance (“DAA”) Self-Regulatory Principles in connection with this activity.

For more information on how to opt out of receiving interest-based advertisements, or to learn more about interest-based advertising please visit the Network Advertising Initiative or the Digital Advertising Alliance .

We may also work with third parties that collect data about your use of the Sites over time for non- advertising purposes. X4Y uses Google Analytics to improve the performance of the Solution and for analytics and marketing purposes. For more information about how Google Analytics collects and uses data when you use our Site visit, and to opt out of Google Analytics, visit

Children’s Privacy

Our services are not intended to be used by children, and we do not knowingly collect or maintain personal information from children. If we learn that we have collected personal information from a child under 13 years old, we will take appropriate actions to delete this information.

If you are a parent or legal guardian of a child under 13 years old, and you believe that your child has provided personal information to X4Y, you may contact us at to request that we delete personal information provided by your child from our systems.

California “Shine the Light” Law

California’s “Shine the Light” law permits California residents to prevent disclosure of personal information to third parties for their own direct marketing purposes. If you do not want us to share your personal information with third parties, you can opt out of such sharing by submitting an email to with the subject line “Request for California Privacy.”

Third-Party Websites

Our Site may contain links to third-party websites. Please be aware that we do not control these linked websites and that this Privacy Policy does not apply to those websites. We encourage you to read the privacy policy of any third-party website that you visit before you provide any information to that website’s operator.

How We Protect Information

We have implemented reasonable safeguards to help protect the security of your personal information.

Changes to Our Privacy Policy

We reserve the right to modify or revise this Privacy Policy at any time and at our sole discretion. We will post any changes to this Privacy Policy on our website. We encourage you to revisit this policy regularly to stay informed about how we collect, use, and share information.

Contact Us

If you have questions about this Privacy Policy, please contact us at