At WalletIQ, Inc. (“WalletIQ”, “we” or “us”), we strongly believe in protecting the confidentiality and security of the information we collect about you. With this in mind, we’re providing this Privacy Policy to explain our practices regarding the collection, use and disclosure of information that we receive through our website (“Site”), our Honeydue mobile application (“App”), and other online services (collectively, “Services”).
Scope
This Privacy Policy does not apply to any third-party websites, services or applications, even if they are accessible through our Services. Also, please note that, unless we define a term in this Privacy Policy, all capitalized terms used in this Privacy Policy have the same meanings as in our Terms of Service.
Collection of Information
Our primary goals in collecting information are to provide and improve our Services, to enable you to enjoy and easily navigate our Services, to communicate with you about your use of our Services, and to administer your use of the Services (including your account, if you are an account holder).
Account Information
If you create an account, we’ll collect certain personal information that can be used to identify you, such as your name, picture, email address, and phone number and your partner’s name, phone number and email. You can enter bill reminders, add your bank or financial account information, and text your partner. If you provide us with access to Third-Party Sites on your behalf, such as your bank account, we’ll be able to access your personal information and financial information maintained by such Third-Party Sites, including account numbers, account balances and payment information.
Your Communication with Us
We collect personal information from you such as email address, phone number, or mailing address when you request information about our Services or request customer service or technical support, or otherwise communicate with us (including participating in any applicable surveys we might send, contests or promotions, or through any public forums, blogs, or social media pages we may offer).
Information Collected Using Cookies, Web Beacons, and Other Technologies
Like many website owners and operators, we (as well as third parties that provide content, advertising, or other functionality on our Services) may use automated data collection technologies, such as Cookies and Web Beacons, to collect certain information.
“Cookies” are small text files that are placed on your hard drive by a web server when you access our Services. We may use both session Cookies and persistent Cookies to identify that you’ve logged in to the Services and to tell us how and when you interact with our Services. We may also use Cookies to monitor aggregate usage and web traffic routing on our Services and to customize and improve our Services. Unlike persistent Cookies, session Cookies are deleted when you log off from the Services and close your browser. Although most browsers automatically accept Cookies, you can change your browser options to stop automatically accepting Cookies or to prompt you before accepting Cookies. Please note, however, that if you don’t accept Cookies, you may not be able to access all portions or features of the Services. Some third-party services providers that we engage (including third-party advertisers) may also place their own Cookies on your hard drive. Note that this Privacy Policy covers only our use of Cookies and does not include use of Cookies by such third parties.
“Web Beacons” (also known as web bugs, pixel tags or clear GIFs) are tiny graphics with a unique identifier that may be included on our Services for several purposes, including to deliver or communicate with Cookies, to track and measure the performance of our Services, to monitor how many visitors view our Services, and to monitor the effectiveness of our advertising. Unlike Cookies, which are stored on the user’s hard drive, Web Beacons are typically embedded on web pages (or in an e-mail).
“Social Media Widgets" Our Site includes social media features such as the Facebook, Twitter and Medium buttons. These features may collect your IP address, which page you are visiting on our site, and may set a cookie to enable the feature to function properly. These social media features are either hosted by a third party, and your interactions with these features and the personal information collected are governed by the privacy policy of the company providing it.
Our uses of these automated data collection technologies fall into the following general categories:
- Operationally Necessary. This includes technologies that allow you access to our Services, applications, and tools that are required to identify irregular site behavior, prevent fraudulent activity and improve security or that allow you to make use of our functions such as shopping-carts, saved search, or similar functions;
- Performance Related. We may use technologies to assess the performance of our Services, including as part of our analytic practices to help us understand how our visitors use the Services;
- Functionality Related. We may use technologies that allow us to offer you enhanced functionality when accessing or using our Services. This may include identifying you when you sign into our Services or keeping track of your specified preferences, interests, or past items viewed;
- Advertising or Targeting Related. We may use first party or third-party technologies to deliver content, including ads relevant to your interests, on our Services or on Third Party sites.
Information Related to Use of the Services
Our servers automatically record certain information about how a person uses our Services (“Log Data”). Log Data may include information such as a user’s Internet Protocol (IP) address, browser type, operating system, the web page that a user was visiting before accessing our Services, the pages or features of our Services to which a user browsed and the time spent on those pages or features, search terms, the links on our Services that a user clicked on and other statistics. We use Log Data to administer the Services, and we analyze (and may engage third parties to analyze) Log Data to improve, customize and enhance our Services by expanding their features and functionality and tailoring them to our Users’ needs and preferences. We may use Log Data and other information to generate aggregate, non-identifying information about how our Services are used.
Information Sent by Your Mobile Device
We collect certain information that your mobile device sends when you use our Services, like device identifiers, location (see below), user settings and the operating system of your device, as well as information about the use of our Services.
Location Information
When you use our Services, we may collect and store information about your location by converting your IP address into a rough geo-location or by accessing your mobile devices’ GPS coordinates if you enable location services on your device. We may use location information to improve and personalize our Services. If you do not want us to collect location information, you may disable that feature on your mobile device.
Information from Other Sources
We may obtain information about you from other sources, including through third party services and organizations to supplement information provided by you. For example, if you access our Services through a third-party application, such as an app store, a third-party login service, or a social networking site, we may collect information about you from that third-party application that you have made public via your privacy settings. This supplemental information allows us to verify information that you have provided to us and to enhance our ability to provide you with information about our Services.
How we Use Information
We use your information for a variety of business purpose, including to:
Provide you with our Services and fulfill our contract with you, such as:
- Managing your information and accounts;
- Responding to your questions, comments, and other requests;
- Providing access to certain areas, functionalities, and features of our Services;
- Communicating with you about your account, activities on our Services and policy changes;
- If applicable, processing your financial information and other payment methods for products or Services purchased; and
- Answering your requests for customer or technical support.
Analyze and improve our Services pursuant to our legitimate interest, such as:
- Measuring interest and engagement in our Services;
- Conducting research and development;
- Developing new products and Services;
- Ensuring internal quality control;
- Verifying your identity and preventing fraud;
- Detecting bugs or other software issues;
- Preventing potentially prohibited or illegal activities; and
- Enforcing our Terms of Service.
Provide you additional content or information about our Services, such as:
- Providing you with customized materials about offers, products, and Services that may be of interest, including new content or Services;
- Notifying you about offers, products, and services that may be of interest to you;
- Providing Services to you and our sponsors; and
- Other purposes you consent to or are disclosed when you provide your personal information.
You may contact us at any time to opt out of the use of your personal information for marketing purposes, as described below.
De-Identified and Aggregated Information
We may use personal information and other information about you to create aggregated information, such as demographic information, location information, and information about the computer or device from which you access our Services. We may use this aggregated information for a variety of reasons, including the measurement of visitors’ interest in and use of various portions or features of the Services, research, internal analysis, analytics, and any other legally permissible purposes.
Information that We Share with Third Parties
We will share any personal information as described herein:
Information Shared at Your Request
You may choose to share your personal information, with other account holders, such as family members, through the Services. If you decide to do so, such account holders may import and view your person information. WalletIQ is not responsible for any consequences of any use or disclosure of your personal information by you or any third parties with whom you share your personal information.
Information Shared with Our Services Providers
We may engage third-party services providers to work with us to administer and provide the Services. These third-party services providers have access to your personal only to performing services at our direction and on our behalf and are expressly obligated not to disclose or use your personal information for any other purpose.
Information Shared with Third Parties
We may share de-identified or aggregated data we collect from the use of the Services, such as de-identified demographic information, de-identified location information, information about the computer or device from which you access the Services, market trends and other analysis that we create based on the information we receive from you and other users, with third parties, including advertisers.
We utilize Google Analytics, a service provided by Google, Inc. that we use to gather information about how Users engage with our Site and Services. For more information about Google Analytics, please visit www.google.com/policies/privacy/partners/. You can opt out of Google’s collection and processing of personal information generated by your use of the Services by going to http://tools.google.com/dlpage/gaoptout.
Information Disclosed in Connection with Business Transactions
Information that we collect from our users, including personal information, is a business asset. Thus, if we are acquired by a third party as a result of a transaction such as a merger, acquisition or asset sale or if our assets are acquired by a third party in the event we go out of business or enter bankruptcy, some or all of our assets, including your personal information may be disclosed or transferred to a third party acquirer in connection with the transaction.
Information Disclosed for Legal Obligations, Our Protection, and the Protection of Others
We cooperate with government and law enforcement officials or private parties to enforce and comply with the law. We may disclose any information about you to government or law enforcement officials or private parties as we, in our sole discretion, believe necessary or appropriate: (i) to respond to claims, legal process (including subpoenas) or your requests; (ii) to protect our property, rights and safety and the property, rights and safety of a third party or the public in general; (iii) to enforce our policies or contracts; (iv) to collect amounts owed to us; and (v) to stop any activity that we consider illegal, unethical or legally actionable activity.
Your Choices
We offer you choices regarding the collection, use and sharing of your personal information, and we respect the choices you make. Please note that if you decide not to provide us with the personal information that we request, you may not be able to access all of the features of the Services.
In accordance with applicable law, we may periodically send you free newsletters and e-mails that promote our Services. When you receive such promotional communications from us, you will have the opportunity to “opt-out” (either through your account or by following the unsubscribe instructions provided in the e-mail you receive). We do need to send you certain communications regarding the Services, and you will not be able to opt-out of those communications (e.g., communications regarding updates to our Terms of Service or this Privacy Policy or information about billing).
Mobile Devices
We may occasionally send you push notifications through our mobile applications with notices that may be of interest to you. To stop receiving notifications or sharing your location (as described above), you may change the settings on your mobile device at any time.
Modifying your Information
If you have questions about the information associated with your account (including your personal information), please call 415-944-9357 or email [email protected] so that we may assist you.
Responding to Do Not Track Signals
Our Site does not respond to “Do Not Track” signals received from various web browsers.
Right of Access, Correction, Deletion & Restriction
In accordance with applicable law, you may have the right to:
- Request confirmation of whether we are processing your personal information;
- Obtain access to or a copy of your personal information that you have provided to us or ask us to send that information to another company;
- Restrict our uses of your personal information, including the right to opt out of the sale of your personal information to third parties;
- Seek correction or amendment of inaccurate, untrue, incomplete, or improperly processed personal information; and
- request erasure of personal information held about you, subject to certain exceptions prescribed by law.
Cookies and Internet-Based Advertising
You may stop or restrict the placement of Technologies on your device or remove them by adjusting your preferences as your browser or device permits. The online advertising industry also provides websites from which you may opt out of receiving targeted ads from data partners and other advertising partners that participate in self-regulatory programs. You can access these and learn more about targeted advertising and consumer choice and privacy, at www.networkadvertising.org/managing/opt_out.asp, http://www.youronlinechoices.eu/,https://youradchoices.ca/choices/,and www.aboutads.info/choices/. To separately make choices for mobile apps on a mobile device, you can download DAA's AppChoices application from your device's app store. Alternatively, for some devices you may use your device's platform controls in your settings to exercise choice.
Please note you must separately opt out in each browser and on each device. Advertisements on third party websites that contain the AdChoices link may have been directed to you based on information collected by advertising partners over time and across websites. These advertisements provide a mechanism to opt out of the advertising partners’ use of this information for interest-based advertising purposes.
If you would like to exercise any of these rights, please contact us as set forth below. We will process such requests in accordance with applicable laws. To protect your privacy, we will take steps to verify your identity before fulfilling your request.
Retention & Deletion of Your Information
We retain the personal information we receive as described in this Privacy Policy for as long as you use our Services or as necessary to fulfill the purpose(s) for which it was collected. This includes to provide our Services, resolve disputes and prevent fraud, establish legal defenses, conduct audits, pursue our legitimate business purpose, enforce our agreements, and comply with applicable laws or other legal obligations.
The Security of Your Information
We take reasonable administrative, physical and electronic measures designed to protect the information that we collect from or about you (including your personal information) from unauthorized access, use or disclosure. Please be aware, however, that no method of transmitting information over the Internet or storing information is completely secure. Accordingly, we cannot guarantee the absolute security of any information.
Links to Other Sites
Our Services may contain links to websites and services that are owned or operated by third parties (each, a “Third-party Service”). Any information that you provide on or to a Third-party Service or that is collected by a Third-party Service is provided directly to the owner or operator of the Third-party Service and is subject to their privacy policy. We are not responsible for the content, privacy or security practices and policies of any Third-party Service. To protect your information, we recommend that you carefully review the privacy policies of all Third-party Services that you access.
International Transfer
Your information may be transferred to, and maintained on, computers located outside of your state or other governmental jurisdiction where the privacy laws may not be as protective as those in your jurisdiction. All personal collected via or by WalletIQ may be stored anywhere in the world, including but not limited to the United States, the European Union, in the cloud, on our servers, on the servers of our affiliates or the servers of our service providers. Your personal information may be accessible by law enforcement or other authorities pursuant to a lawful request. By providing information to us, you consent to the transfer to and storage of your personal information in these locations.
Children's Privacy
Our Services are not directed to children under 13 (or other applicable law), and we do not knowingly collect personal information from children. If we learn that we have collected personal information of a child, we will take steps to delete such information from our files as soon as possible.
Supervisory Authority
If you reside in the European Economic Area (EEA), you may have the right to lodge a complaint with your applicable supervisory authority if you believe our processing of your personal information violates applicable law.
Revisions to this Privacy Policy
We may revise this Privacy Policy from time to time. If we make any material changes to this Privacy Policy, we’ll notify you of those changes by posting them on the Site or by sending you an email or other notification, and we’ll update the date above to indicate when those changes will become effective.
Questions?
Please contact us at [email protected] or (415) 944-9357, or in writting to: WalletIQ Inc., 25 Taylor Street, San Francisco, CA 94102, if you have any questions about our Privacy Policy.