Privacy Policy
LAST UPDATED: April 19th, 2023
All changes also reflected at www.joinswitch.co/privacy
This Privacy Policy describes how grink, Inc. (“grink”) and it’s mobile application “Switch” collects, uses, stores, shares and protects your information. We know how important privacy is to our users, which is why we only collect the information we need and will not share your personal information with any third parties unless it is necessary. Even within grink, access to your personal information is limited to only those employees who require such information to handle matters relating to compliance, identity verification, and customer support. We may change this Privacy Policy from time to time. When we do make updates, we’ll let you know by changing the date above. If it is a substantial or substantive update to core policies surrounding your data, we’ll send you a notification or post a notice on our website. If you ever have any questions about changes made to the Privacy Policy, just reach out to support at support@joinswitch.co
By using the mobile app Switch, you consent to the practices contained in this Privacy Policy:
1) Information We Collect
What You Directly Provide Us
When you create a Switch account, we’ll collect some important details about you that you will provide to us directly, such as:
Account Information, such as your first and last name, email address, phone number, primary address, shipping address, social security number, profile picture, and birthday.
Financial Information, such as your bank account number and credit or debit card information, all of which is tokenized and encrypted for your security.
Transaction Information, such as information about the transactions you make on our Services, including the transaction type, transaction subtype, transaction amount, transaction description, and timestamp.
Identity Verification Information, such as a government-issued ID, and biometric information such as FaceID and TouchID.
Correspondence, such as your feedback, questionnaire and other survey responses, and information you provide to our support teams, including via our help chat.
As Switch adds additional features, you may also be prompted to provide additional information.
Sometimes we need to request more information to verify your identity or to meet legal and regulatory obligations. When that is necessary, you will be prompted to provide such information.
If and when Switch integrates with other platforms, you may be prompted from time to time to grant Switch access to additional information from such platform (or grant such partner platform access to information you have provided to Switch). For example, if Switch implements an integration with a social media platform, you would have the option of linking your account on that platform to Switch in order to streamline the signup process, populate your contact list or other specified purposes.
What is Automatically Collected
There is some information that is automatically collected as you use Switch. This information allows us to deliver cool new features, more easily handle your customer support issues, and better protect your account from potential fraud. This information includes:
Device Information: We collect information about your device, including the type of device (computer vs. iPhone vs. Android), operating system, mobile phone number, browser type and language, and device identifiers (such as IMEI and MAC address).
Location Information: With your permission, we collect your device location so that we can offer you location-based features such as the ability to send funds to nearby Switch users and to combat potential fraud on your account.
Contacts: To make it easier to send money to your contacts, we will – with your permission – collect information from your phone’s address book or other contact lists that you grant us access to (for example, your Facebook friends list).
Photos, Videos & Other Media: If you want to attach photos, videos or other media to your payments, payment requests or other communication using Switch, we require access to the photos on your phone. Any photos, videos or other media you attached will be stored and accessible to Switch, but we will never download or store any photos, videos or other media from your phone that aren’t attached to payments, payment requests or other communications using Switch.
Message Content – If you include a message with your payments, the content of that message is stored and accessible to Switch. Messages between users are encrypted end-to-end and not available to any Switch employees or representatives.
Transactions: We collect information about your payment activity such as the amount, date, time, recipient for each transaction.
Cookies: Like most mobile apps and websites, we use cookies. Cookies are small data files that we place on your device that allow us to identify you as a Switch user and provide a customized Switch experience. We use both session and persistent cookies when you access our website or content. Session cookies expire and no longer have any effect when you log out of your account or close your browser. Longer lasting cookies, known as persistent cookies, remain on your browser until you erase them, or they expire. You are free to decline our cookies if your browser or browser add-on permits, but doing so may interfere with your use of Switch. The help section of most browsers or browser add-ons provides instructions on blocking, deleting or disabling cookies.
Information from Other Sources
Information we get from other sources, such as:
Public Databases. We may combine the information collected from these sources with the information we get through your use of our platform services in order to comply with our legal obligations and limit the use of our Services in connection with fraudulent or other illicit activities.
2) Protecting Your Information
Throughout this policy, we use the term “personal information” to describe information that is associated with you or can be used to identify you. We do not consider personal information to include information that has been anonymized.
We protect your information using physical, technical, and administrative security measures to reduce the risks of loss, misuse, unauthorized access, disclosure, and alteration. Some of the safeguards we use are firewalls and data encryption, physical access controls to our data centers, and information access authorization controls.
Sometimes to better secure your information and use it for the purposes contemplated by this Privacy Policy, certain personal data may be stored with our third-party partners and service providers. All our physical, electronic and procedural safeguards are designed to comply with applicable laws and regulations.
3) How We Use Your Information
We collect all this information only so that we can provide you with a safe and seamless way to make and receive payments. We use your information in accordance with your instructions, including any applicable terms in Switch Terms of Service. The information we collect allows us to:
Deliver Services and Features: We may use the information we collect to provide, personalize, maintain, and improve our products and Services, including as we described in the Terms of Service. This includes using information to:
Operate, maintain, customize, measure, and improve our Services and manage our business;
Create and update user accounts;
Process transactions;
Send information, including confirmations, notices, updates, security alerts, and support and administrative messages; and
Create de-identified or aggregated data.
Customer Support: We may use information we collect to provide customer support, including to investigate and address user concerns, monitor and improve our customer support process, notify you of cool new features that have been added to the platform, or provide security notices or information;
Safety and Security: We may use your information to help maintain the safety, security, and integrity of you and the Switch platform, including to:
Protect, investigate, and deter against fraudulent, unauthorized, or illegal activity;
Monitor and verify identity or service access to combat spam, malware, or security risks;
Perform internal operations necessary to provide our Services, including to troubleshoot software bugs and operational problems;
Enforce our agreements with third parties, and address violations of our Terms of Service or agreements for other Services; and
Comply with applicable security laws and regulations.
Legal and Regulatory Compliance: We may verify your identity by comparing the personal information you provide against third-party databases and public records. We may use the information we collect to investigate or address claims or disputes relating to use of our Services, or as otherwise allowed by applicable law, or as requested by regulators, government entities, or official inquiries. We may further utilize this information to prevent fraud or unauthorized activity on your account;
Product Research and Development: We may use the information we collect for testing, research, analysis, and product development to improve your experience. Your usage data helps us to improve and enhance the safety and security of our Services, improve our ability to prevent the use of our Services for illegal or improper purposes, and develop new features and products relating to our Services;
Personalize the Switch experience by matching product features to things that we think you specifically might be interested in; and
Marketing: We may use the information we collect to market our Services to you. This may include sending you communications about our platform Services, features, promotions, surveys, news, updates, and events and managing your participation in these promotions and events. If you do not want us to send you marketing communications, please opt out by selecting “unsubscribe” to any marketing email sent by us. We DO NOT sell or rent your personal information to third parties. We may combine your information with information we collect from other companies and use it to improve and personalize the services, as well as our own content and advertising.
Fulfill any other purpose for which the information was collected.
4) How We Share Your Information
Sharing with Third Parties
To provide you with the Switch product and meet our legal and regulatory obligations, we may share the information we collect as detailed below:
If you link a debit card, credit card or bank account: Switch will share your account information with our banking partners so that we can process payments. To make adding an account as easy as possible, we’ve partnered with Plaid Technologies, Inc. (“Plaid”), who will receive your account information during this process. All information shared with Plaid will be treated in accordance with Plaid’s own privacy policy, which can be found at https://plaid.com/privacy. We have also partnered with Dwolla to facilitate, verify, and complete payment transactions. All information shared with Dwolla can be used in accordance with their own privacy policies which can be found at https://www.dwolla.com/legal/privacy.
To prevent fraud: Switch will sometimes need to share your information with third party identity verification services. This lets us make sure you are who you say you are, by comparing the information you provide us to public records and other third-party databases.
To improve application functionality: Switch will sometimes share information with service providers that help us analyze how people are using the app. This allows us to refine popular features and improve or eliminate features people don’t use.
We may need to share your information with law enforcement or government officials: Switch will only do this when we are compelled to do so by a specific regulation, subpoena, court order or formal request, or we otherwise believe in good faith that we need to share such information to prevent physical harm, financial loss, or are obligated to report illegal activity.
Switch may partner with other companies (“Partners”): Switch will only do this to allow users ****to allow you to send and receive money with individuals that are customers of such partners and not Switch. To complete these transactions, we will need to share information regarding your account (such as name, email address, phone number and date of birth) with the applicable partner so they can meet their legal and regulatory obligations. Your information will only be shared with such partners to the extent you actually transact or interact with customers of such partner.
To complete third party financial, technical, and legal audits of Switch’s operations: Switch may may need to share information about your account as part of such review.
If Switch merges with or gets acquired by another company: The acquiring entity will will have access to the information you have provided to us. If this happens, we will require that the new entity follows this Privacy Policy and will notify you of any such change.
We will share your information with other third parties if you specifically authorize us.
All above exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties
Sharing with Other Switch Users
To make Switch payments about more than just sending money from A to B, we will share additional information with other Switch users, but only to the extent that you give us permission to do so. This information includes:
Transaction Details: At the risk of stating the obvious, when you send someone a payment or payment request, they will be provided with the details of that transaction, including the payment amount, currency, date, time and a unique transaction ID number.
Messages & Photos: If you attach a message or photo, video or other media to a payment, payment request or other communication using Switch, that information will be visible to the person(s) receiving the payment. You should know that the recipient of a message or photo (or other media) can always save them – so don’t send anything you wouldn’t want shared publicly.
Your Identity & Photo: For other Switch users to transact with you (sending money, receiving money, requesting money, etc.) they will be able to see your full legal name. If you upload a profile photo or avatar to your account, this will also be visible to other Switch users. If Switch adds additional features that allow you to share more identity information, further information may be shared if you opt in to such features.
Location: If you have your location enabled in your settings, the location from which a payment was initiated may be visible to the recipient. This also lets other users take advantage of the “nearby users” function, which makes it easier for them to send you a payment if you’re nearby and not otherwise in their contacts.
Status as a Switch User: Other Switch users may be able to see that you have a Switch account. This lets them know they can send you a payment and you will receive it instantly without having to first set up a Switch account.
Sharing of Transactions: In the future, Switch may give users the ability to share certain payment information through group payments, a public feed, social media integration or other means. The information may include sender, recipient, date and time of transaction, avatars, location, media or other information regarding the transaction. If this feature is enabled, you will be able to determine how much information is shared in your account settings or opt out of sharing information by not using such features.
Other Information: As Switch adds new product features, there may be additional information that is shared with other Switch users. If those new features require sharing any personal information, we’ll always get your permission first and will do our best to allow you to disable such features in your account settings. We’ll also provide information to other Switch users if you specifically request that we share such information.
All above exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties
5) How to Change or Delete Your Information
If you need to add or change any information, you can just log in to your Switch account and make the change in your settings. If it doesn’t look like you can make the change on your own, just reach out to support and we’ll take care of it.
If you want to know what information we’re keeping on you, check out the categories listed above. We can also provide you with a copy of this information, but we won’t include any sensitive financial information.
If you want to close your Switch account, know that we are required to retain certain information you have provided for a number of years.
6) Children’s Privacy Policy
Unfortunately, if you’re under 13, you can’t use Switch. So, we don’t knowingly solicit or collect information from anyone under 13. If we become aware that a child under the age of 13 has provided us with personal information, we will delete it and the suspend the account of the identified user immediately.
7) Data Deletion and Retention
We comply with the CCPA regulations which include the following obligations:
All individuals responsible for handling consumer inquiries about a business’ privacy practices or the business’ compliance with the CCPA must be informed of all the requirements in the CCPA and the Regulations, as well as how to direct consumers to exercise their rights thereunder.
A business must maintain records of consumer requests made pursuant to the CCPA and how the business responded to such requests for at least 24 months. The business must implement and maintain reasonable security procedures and practices in maintaining these records.
Additionally, Switch only retains personal data for so long as necessary to fulfill the purposes for which it was collected. In compliance with Apple and Goggle regulations on their respective app stores, we allow users to initiate deletion of their account from within the app. Where we eliminate their login credentials and delete all non-financial data associated with the user.
8) Questions?
If you have any questions about this Privacy Policy, feel free to reach out to support@joinswitch.co
9) Policy Review
This policy will be reviewed at a minimum every three years.
Title: Switch Privacy Policy
Creation Date: March 1, 2022
Policy Owner: Chief Operating Officer
Last Reviewed: April 19th, 2023
LAST UPDATED: April 19th, 2023
All changes also reflected at www.joinswitch.co/privacy
This Privacy Policy describes how grink, Inc. (“grink”) and it’s mobile application “Switch” collects, uses, stores, shares and protects your information. We know how important privacy is to our users, which is why we only collect the information we need and will not share your personal information with any third parties unless it is necessary. Even within grink, access to your personal information is limited to only those employees who require such information to handle matters relating to compliance, identity verification, and customer support. We may change this Privacy Policy from time to time. When we do make updates, we’ll let you know by changing the date above. If it is a substantial or substantive update to core policies surrounding your data, we’ll send you a notification or post a notice on our website. If you ever have any questions about changes made to the Privacy Policy, just reach out to support at support@joinswitch.co
By using the mobile app Switch, you consent to the practices contained in this Privacy Policy:
1) Information We Collect
What You Directly Provide Us
When you create a Switch account, we’ll collect some important details about you that you will provide to us directly, such as:
Account Information, such as your first and last name, email address, phone number, primary address, shipping address, social security number, profile picture, and birthday.
Financial Information, such as your bank account number and credit or debit card information, all of which is tokenized and encrypted for your security.
Transaction Information, such as information about the transactions you make on our Services, including the transaction type, transaction subtype, transaction amount, transaction description, and timestamp.
Identity Verification Information, such as a government-issued ID, and biometric information such as FaceID and TouchID.
Correspondence, such as your feedback, questionnaire and other survey responses, and information you provide to our support teams, including via our help chat.
As Switch adds additional features, you may also be prompted to provide additional information.
Sometimes we need to request more information to verify your identity or to meet legal and regulatory obligations. When that is necessary, you will be prompted to provide such information.
If and when Switch integrates with other platforms, you may be prompted from time to time to grant Switch access to additional information from such platform (or grant such partner platform access to information you have provided to Switch). For example, if Switch implements an integration with a social media platform, you would have the option of linking your account on that platform to Switch in order to streamline the signup process, populate your contact list or other specified purposes.
What is Automatically Collected
There is some information that is automatically collected as you use Switch. This information allows us to deliver cool new features, more easily handle your customer support issues, and better protect your account from potential fraud. This information includes:
Device Information: We collect information about your device, including the type of device (computer vs. iPhone vs. Android), operating system, mobile phone number, browser type and language, and device identifiers (such as IMEI and MAC address).
Location Information: With your permission, we collect your device location so that we can offer you location-based features such as the ability to send funds to nearby Switch users and to combat potential fraud on your account.
Contacts: To make it easier to send money to your contacts, we will – with your permission – collect information from your phone’s address book or other contact lists that you grant us access to (for example, your Facebook friends list).
Photos, Videos & Other Media: If you want to attach photos, videos or other media to your payments, payment requests or other communication using Switch, we require access to the photos on your phone. Any photos, videos or other media you attached will be stored and accessible to Switch, but we will never download or store any photos, videos or other media from your phone that aren’t attached to payments, payment requests or other communications using Switch.
Message Content – If you include a message with your payments, the content of that message is stored and accessible to Switch. Messages between users are encrypted end-to-end and not available to any Switch employees or representatives.
Transactions: We collect information about your payment activity such as the amount, date, time, recipient for each transaction.
Cookies: Like most mobile apps and websites, we use cookies. Cookies are small data files that we place on your device that allow us to identify you as a Switch user and provide a customized Switch experience. We use both session and persistent cookies when you access our website or content. Session cookies expire and no longer have any effect when you log out of your account or close your browser. Longer lasting cookies, known as persistent cookies, remain on your browser until you erase them, or they expire. You are free to decline our cookies if your browser or browser add-on permits, but doing so may interfere with your use of Switch. The help section of most browsers or browser add-ons provides instructions on blocking, deleting or disabling cookies.
Information from Other Sources
Information we get from other sources, such as:
Public Databases. We may combine the information collected from these sources with the information we get through your use of our platform services in order to comply with our legal obligations and limit the use of our Services in connection with fraudulent or other illicit activities.
2) Protecting Your Information
Throughout this policy, we use the term “personal information” to describe information that is associated with you or can be used to identify you. We do not consider personal information to include information that has been anonymized.
We protect your information using physical, technical, and administrative security measures to reduce the risks of loss, misuse, unauthorized access, disclosure, and alteration. Some of the safeguards we use are firewalls and data encryption, physical access controls to our data centers, and information access authorization controls.
Sometimes to better secure your information and use it for the purposes contemplated by this Privacy Policy, certain personal data may be stored with our third-party partners and service providers. All our physical, electronic and procedural safeguards are designed to comply with applicable laws and regulations.
3) How We Use Your Information
We collect all this information only so that we can provide you with a safe and seamless way to make and receive payments. We use your information in accordance with your instructions, including any applicable terms in Switch Terms of Service. The information we collect allows us to:
Deliver Services and Features: We may use the information we collect to provide, personalize, maintain, and improve our products and Services, including as we described in the Terms of Service. This includes using information to:
Operate, maintain, customize, measure, and improve our Services and manage our business;
Create and update user accounts;
Process transactions;
Send information, including confirmations, notices, updates, security alerts, and support and administrative messages; and
Create de-identified or aggregated data.
Customer Support: We may use information we collect to provide customer support, including to investigate and address user concerns, monitor and improve our customer support process, notify you of cool new features that have been added to the platform, or provide security notices or information;
Safety and Security: We may use your information to help maintain the safety, security, and integrity of you and the Switch platform, including to:
Protect, investigate, and deter against fraudulent, unauthorized, or illegal activity;
Monitor and verify identity or service access to combat spam, malware, or security risks;
Perform internal operations necessary to provide our Services, including to troubleshoot software bugs and operational problems;
Enforce our agreements with third parties, and address violations of our Terms of Service or agreements for other Services; and
Comply with applicable security laws and regulations.
Legal and Regulatory Compliance: We may verify your identity by comparing the personal information you provide against third-party databases and public records. We may use the information we collect to investigate or address claims or disputes relating to use of our Services, or as otherwise allowed by applicable law, or as requested by regulators, government entities, or official inquiries. We may further utilize this information to prevent fraud or unauthorized activity on your account;
Product Research and Development: We may use the information we collect for testing, research, analysis, and product development to improve your experience. Your usage data helps us to improve and enhance the safety and security of our Services, improve our ability to prevent the use of our Services for illegal or improper purposes, and develop new features and products relating to our Services;
Personalize the Switch experience by matching product features to things that we think you specifically might be interested in; and
Marketing: We may use the information we collect to market our Services to you. This may include sending you communications about our platform Services, features, promotions, surveys, news, updates, and events and managing your participation in these promotions and events. If you do not want us to send you marketing communications, please opt out by selecting “unsubscribe” to any marketing email sent by us. We DO NOT sell or rent your personal information to third parties. We may combine your information with information we collect from other companies and use it to improve and personalize the services, as well as our own content and advertising.
Fulfill any other purpose for which the information was collected.
4) How We Share Your Information
Sharing with Third Parties
To provide you with the Switch product and meet our legal and regulatory obligations, we may share the information we collect as detailed below:
If you link a debit card, credit card or bank account: Switch will share your account information with our banking partners so that we can process payments. To make adding an account as easy as possible, we’ve partnered with Plaid Technologies, Inc. (“Plaid”), who will receive your account information during this process. All information shared with Plaid will be treated in accordance with Plaid’s own privacy policy, which can be found at https://plaid.com/privacy. We have also partnered with Dwolla to facilitate, verify, and complete payment transactions. All information shared with Dwolla can be used in accordance with their own privacy policies which can be found at https://www.dwolla.com/legal/privacy.
To prevent fraud: Switch will sometimes need to share your information with third party identity verification services. This lets us make sure you are who you say you are, by comparing the information you provide us to public records and other third-party databases.
To improve application functionality: Switch will sometimes share information with service providers that help us analyze how people are using the app. This allows us to refine popular features and improve or eliminate features people don’t use.
We may need to share your information with law enforcement or government officials: Switch will only do this when we are compelled to do so by a specific regulation, subpoena, court order or formal request, or we otherwise believe in good faith that we need to share such information to prevent physical harm, financial loss, or are obligated to report illegal activity.
Switch may partner with other companies (“Partners”): Switch will only do this to allow users ****to allow you to send and receive money with individuals that are customers of such partners and not Switch. To complete these transactions, we will need to share information regarding your account (such as name, email address, phone number and date of birth) with the applicable partner so they can meet their legal and regulatory obligations. Your information will only be shared with such partners to the extent you actually transact or interact with customers of such partner.
To complete third party financial, technical, and legal audits of Switch’s operations: Switch may may need to share information about your account as part of such review.
If Switch merges with or gets acquired by another company: The acquiring entity will will have access to the information you have provided to us. If this happens, we will require that the new entity follows this Privacy Policy and will notify you of any such change.
We will share your information with other third parties if you specifically authorize us.
All above exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties
Sharing with Other Switch Users
To make Switch payments about more than just sending money from A to B, we will share additional information with other Switch users, but only to the extent that you give us permission to do so. This information includes:
Transaction Details: At the risk of stating the obvious, when you send someone a payment or payment request, they will be provided with the details of that transaction, including the payment amount, currency, date, time and a unique transaction ID number.
Messages & Photos: If you attach a message or photo, video or other media to a payment, payment request or other communication using Switch, that information will be visible to the person(s) receiving the payment. You should know that the recipient of a message or photo (or other media) can always save them – so don’t send anything you wouldn’t want shared publicly.
Your Identity & Photo: For other Switch users to transact with you (sending money, receiving money, requesting money, etc.) they will be able to see your full legal name. If you upload a profile photo or avatar to your account, this will also be visible to other Switch users. If Switch adds additional features that allow you to share more identity information, further information may be shared if you opt in to such features.
Location: If you have your location enabled in your settings, the location from which a payment was initiated may be visible to the recipient. This also lets other users take advantage of the “nearby users” function, which makes it easier for them to send you a payment if you’re nearby and not otherwise in their contacts.
Status as a Switch User: Other Switch users may be able to see that you have a Switch account. This lets them know they can send you a payment and you will receive it instantly without having to first set up a Switch account.
Sharing of Transactions: In the future, Switch may give users the ability to share certain payment information through group payments, a public feed, social media integration or other means. The information may include sender, recipient, date and time of transaction, avatars, location, media or other information regarding the transaction. If this feature is enabled, you will be able to determine how much information is shared in your account settings or opt out of sharing information by not using such features.
Other Information: As Switch adds new product features, there may be additional information that is shared with other Switch users. If those new features require sharing any personal information, we’ll always get your permission first and will do our best to allow you to disable such features in your account settings. We’ll also provide information to other Switch users if you specifically request that we share such information.
All above exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties
5) How to Change or Delete Your Information
If you need to add or change any information, you can just log in to your Switch account and make the change in your settings. If it doesn’t look like you can make the change on your own, just reach out to support and we’ll take care of it.
If you want to know what information we’re keeping on you, check out the categories listed above. We can also provide you with a copy of this information, but we won’t include any sensitive financial information.
If you want to close your Switch account, know that we are required to retain certain information you have provided for a number of years.
6) Children’s Privacy Policy
Unfortunately, if you’re under 13, you can’t use Switch. So, we don’t knowingly solicit or collect information from anyone under 13. If we become aware that a child under the age of 13 has provided us with personal information, we will delete it and the suspend the account of the identified user immediately.
7) Data Deletion and Retention
We comply with the CCPA regulations which include the following obligations:
All individuals responsible for handling consumer inquiries about a business’ privacy practices or the business’ compliance with the CCPA must be informed of all the requirements in the CCPA and the Regulations, as well as how to direct consumers to exercise their rights thereunder.
A business must maintain records of consumer requests made pursuant to the CCPA and how the business responded to such requests for at least 24 months. The business must implement and maintain reasonable security procedures and practices in maintaining these records.
Additionally, Switch only retains personal data for so long as necessary to fulfill the purposes for which it was collected. In compliance with Apple and Goggle regulations on their respective app stores, we allow users to initiate deletion of their account from within the app. Where we eliminate their login credentials and delete all non-financial data associated with the user.
8) Questions?
If you have any questions about this Privacy Policy, feel free to reach out to support@joinswitch.co
9) Policy Review
This policy will be reviewed at a minimum every three years.
Title: Switch Privacy Policy
Creation Date: March 1, 2022
Policy Owner: Chief Operating Officer
Last Reviewed: April 19th, 2023