FINSITEFUL PRIVACY POLICY
Revised August 3, 2021

Introduction

Welcome to FinSiteful. We are very happy you have started your journey to a better financial future. We are here to help you achieve your goals with a series of applications and our web site that will assist you along the way. We know that data protection and privacy conditions are not particularly exciting to read. Nevertheless, in your own interest, you should read the provisions below carefully. After all, it is about what we are allowed to do with your data and your related rights.

Agreement

This Privacy Policy describes the policies and procedures of FinSiteful (“we”, “our” or “us”) on the collection, use and disclosure of your personal information in connection with your use of use our Services, including our mobile application (App) or our website located at www.FinSiteful.com (collectively the “Services”). When you register for the Services, you consent to these data protection provisions. Otherwise, we cannot unfortunately offer you the full usage of the Services.

If you use our Services, various pieces of personal data will be collected. This Privacy Policy explains what information we collect and how we use it (this “Privacy Policy”). It also explains for what purpose this happens. Please note that data transmitted via the internet (e.g. via email communication) may be subject to security breaches. Complete protection of your data from third-party access is not possible.

Privacy Policy Coverage

Throughout this Privacy Policy, “Personal Information” means any information that identifies, relates to, describes, is capable of being associated with, or could reasonably be linked with an individual or household. These include information such as full name, postal address, e-mail address and/or telephone number, and if applicable also usage data such as your IP address. Such is the data we collect when you use our Services.

Here we seek to explain to you in the clearest way possible what Personal Information we collect, how we use it and what rights you have in relation to it. If there are any terms in this Privacy Policy with which you do not agree, please discontinue use of our Services. Otherwise, if you have any questions or concerns about this Privacy Policy, or our practices regarding your Personal Information, please contact us at info@FinSiteful.com. Please read this Privacy Policy carefully as it will help you make informed decisions about sharing your Personal Information with us. This Privacy Policy does not apply to the practices of third parties that we do not own or control, including but not limited to any third party website, services and applications (each a “Third Party”) that you elect to access through the Service or to individuals that we do not manage or employ. While we attempt to facilitate access only to those Third Parties that share our respect for your privacy, we cannot take responsibility for the content or privacy policies of those Third Parties. We encourage you to carefully review the privacy policies of any Third Party you access.

Information Collected by FinSiteful

We automatically collect certain information when you use our Services, which information identifies, relates to, describes, is capable of being associated with, or could reasonably be linked with you or your household. This information may not necessarily reveal your specific identity (like your name or contact information) but may include device and usage information, such as your IP address, browser and device characteristics, operating system, language preferences, referring URLs, device name, country, location, information about how and when you use our Services and other technical information. This information is primarily needed to maintain the security and operation of our Services, and for our internal analytics and reporting purposes.

The technologies we use for this automatic data collection may include:

Cookies (or browser cookies): “Cookies” are small text files that are placed on your device by a Web server when you access our Services. We may use both session Cookies and persistent Cookies to tell us how and when you interact with the Services. We may also use Cookies to monitor aggregate usage and web traffic routing on our Services and to customize and improve the Services. Unlike persistent Cookies, session Cookies are deleted when you navigate away 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 do not accept Cookies, you may not be able to access all portions or features of the Services. Some Service Providers (defined later in this document) that we engage (including advertisers) may also place their own Cookies on your device. Note that this Privacy Policy covers only our use of Cookies and does not include use of Cookies by any Third Party or Service Provider you visit directly, both which should have their own privacy policies.

Flash Cookies: Certain features of our Services may use local stored objects (or Flash cookies) to collect and store information about your preferences and navigation to, from, and on our Services. Flash cookies are not managed by the same browser settings as are used for browser cookies.

Web Beacons: Pages of our Services and our e-mails may contain small electronic files known as web beacons (also referred to as clear gifs, pixel tags, and single-pixel gifs) that permit us, for example, to count users who have visited those pages or opened an email and for other related site statistics (for example, recording the popularity of certain site content and verifying system and server integrity).

Information Collected by Third Parties

Third Parties are companies who may contain data about you, which is made publicly available, and with whom we do not have a contractual relationship as we do with our Service Providers, defined later in this document. All Personal Information that you provide on or to such Third Party or that is collected by a Third Party is provided directly to the controller, owner or operator of the Third Party and is subject to the owner’s or operator’s privacy policy. We do not monitor or control any data you provide to Third Parties. To that end, we are not responsible for the content, privacy or security practices of a Third Party. To assure the protection of your Personal Information, we recommend that you carefully review the privacy policies of any Third Party you access. You assume the risk of providing any information you provide to a Third Party.

Service Providers:
We do share your Personal Information with certain Service Providers, who are defined as companies or organizations with whom we have a contractual relationship in connection with fulfilling our Services to you (“Service Providers”). Any Personal Information collected from you or about you may be shared with our Service Providers. Service Providers process data on our behalf and abide by our Privacy Policy to conduct business with us.

Our Service Providers include the following:

Apple App Store:  We use the Apple App Store to facilitate the download of our App to your mobile device. The Apple Store offers a library of thousands of applications for all Apple product users to download. FinSiteful has no control over the data collected on the Apple App Store whenever you download our App, but we do not combine the information collected through the use of the Apple Store with personally identifiable information we collect. Nevertheless, we strongly recommend that you review the Apple App Store Privacy Policy prior to downloading our application.

Automattic, Inc. (owners of WordPress):  We use Automattic to publish material by using resources such as WordPress, WooCommerce, Jetpack, Simplenote, Longreads, VaultPress, Akismet, Gravatar, Crowdsignal, CloudUp and such other publishing applications.FinSiteful has no control over the data collected by Automattic resources, but we do not combine the information collected through the use of Automattic resources with personally identifiable information we collect. Nevertheless, we strongly recommend that you review the Automattic Privacy Policy prior to using our Services.

Google Cloud:  We use Google Cloud as part of our core infrastructure, data analytics and machine learning. We collect information about the usage of our Services. Google Analytics, for instance, collects information about how often users visit the Services, what pages they visit when they do so, and what other services they used prior to coming to our Services, among other information. We use this information to understand user interaction and thus improve our Services.
Google Analytics collects the IP address assigned to you on the date you visit our Services, along with other anonymized information (e.g., browser type and type of device used to visit the Services), but not your name or other personally identifiable information. Google Analytics’ ability to use and share information about your visits to our Services is restricted by their terms of use and privacy policies. We do not combine the information collected through the use of Google Analytics with personally identifiable information we collect.
You can prevent Google Analytics from recognizing you on return visits to our Services by disabling cookies on your browser. You can opt-out of Google Analytics by installing the Google Analytics Opt-out Browser Add-on here. Otherwise, FinSiteful has no control over the data collected on the Google Cloud. To that end, we strongly recommend that you review the Google Cloud Privacy Policy prior to using our Services.

Plaid Inc.:  We use Plaid to connect to users’ bank accounts more easily. FinSiteful has no control over the data collected on Plaid, but we do not combine the information collected through the use of Plaid with personally identifiable information we collect. Nevertheless, we strongly recommend that you review the Plaid Privacy Policy prior to using our Services.

Other Service Providers: We do not intentionally share or sell any of your Personal Information with Third Parties who are not considered Service Providers. However, we may disclose your personal information where we believe it is necessary to:

  • Comply with law or legal process.
  • Administer or complete a transaction that you request or authorize.
  • Maintain or service your account with us or with another entity.
  • Investigate or prevent any actual or potential fraud or other criminal activity.

We may also need to disclose personal information for everyday business purposes to organizations or firms who provide consulting, technology or other services to FinSiteful. We require those firms agree to maintain confidentiality of any information they receive from us and not use such information for any other purpose. We may also disclose to other individuals or institutions such as attorneys, trustees, family members, or others who are authorized to represent you, your estate, or a joint or co-owner of your account; To regulatory agencies as requested for compliance or audits.We may also share your personal information if we merge with another company or if we decide to sell or reorganize one part or all of our business. You acknowledge that such transfers may occur, and that any acquirer of the part of our business, assets or stock may continue to use information about you as set forth in this Privacy Policy.

Finally, you may license the FinSiteful Services either directly from FinSiteful or you may receive a license because an institution such as a college or university licensed the Services for you. If your license is obtained by an institution, they may request from FinSiteful to see an aggregation of data about usage of Services for individuals they sponsor. If so requested, FinSiteful will provide only aggregated data to the institution after the number of participants reaches a high enough level that anonymity of individual users is assured. FinSiteful will never provide individual data about a specific user to a sponsoring institution unless required to do under a legal ruling.

Personal Information and Minors

We do not knowingly solicit data from or market to children under 18 years of age. By using the Services, you represent that you are at least 18 or that you are the parent or guardian of such a minor and consent to such minor dependent’s use of the Services. If we learn that Personal Information from users less than 18 years of age has been collected without parental consent, we will deactivate the account and take reasonable measures to promptly delete such data from our records. If you become aware of any data we have collected from children under age 18, please contact us at info@FinSiteful.com.

Customers Outside the United States

FinSiteful is hosted in the United States. This Privacy Policy is intended to comply with privacy laws in the United States and may not comply with all privacy laws in foreign countries. We do not purposefully market to or intend to reach non-U.S. customers. If you are a non-US user of FinSiteful, by using FinSiteful and providing us with data, you acknowledge, agree and provide your consent that your personal information may be processed in the United States for the purposes identified in this Privacy Policy. In addition, such data may be stored on servers located outside your resident jurisdiction, which may have less stringent privacy practices than your own. By using FinSiteful and providing us with your data, you consent to the transfer of such data and any less stringent privacy practices.

How Information is Used

Your personal information is maintained by FinSiteful to provide you services and support, including customized cash management and budgeting services. We use such information to provide you personalized information, including articles forwarded to you from our blog and other third-party content we determine is relevant to you. By having more information about you, we are able to customize our services to your particular needs.

Data that does not include personally identifiable information may be used for research purposes. For instance, we may compile data, excluding personally identifiable information, for purposes of demographic analysis and research. We may use usage information, browsing activity, click-thru activity, browser-related information, IP address, requested URL, referring URL, and timestamp information to help us diagnose problems with our servers, administer our Services, and otherwise provide the highest possible level of service to you. In addition, we use this data in an aggregated, non-personally identifiable manner to perform statistical analyses of user behavior and characteristics in order to measure interest in and use of the various areas of our Services.

Public Information

Information you choose to include in your profile, or any Personal Information you share about yourself on our forum may be viewed by others who subscribe to the Services. This includes information you choose to provide openly, including your username, contact name, information about yourself, and links to your own website or social media profiles, which may be displayed to other users to facilitate user interaction within the Services. We will not directly reveal user email addresses to other users.

Some of your activity on and through the Services is public by default. This may include, but is not limited to, content you have posted publicly on the Services. Please remember that if you choose to provide Personal Information using certain public features of the Services, then that information is governed by the privacy settings of those particular features and may be publicly available. Individuals reading such information may use or disclose it to other individuals or entities without our control and without your knowledge, and search engines may index that information. We therefore urge you to think carefully about including any specific information you deem private in content that you create or information that you submit through the Services.

If you use our blog, forum, wiki, or other publicly published content product on our Services, you should be aware that any personally identifiable information you submit there can be read, collected, or used by other users of these forums, and could be used to send you unsolicited messages. We are not responsible for the personally identifiable information you choose to submit in these forums.

Protection of Information

We reserve the right to access, read, preserve, and disclose any information as we reasonably believe is necessary to (i) satisfy any applicable law, regulation, legal process or governmental request, (ii) enforce this Privacy Policy, (iii) detect, prevent, or otherwise address fraud, security or technical issues, (iv) respond to user support requests, or (v) protect our rights, property or safety, our users and the public. This includes exchanging information with other companies and organizations for fraud protection and spam/malware prevention.

Opting Out

We give you the opportunity to opt-out of receiving communications from us and to view, correct or remove your personal information. However, we will retain and use your Personal Information as necessary to comply with our legal obligations, resolve disputes, and enforce our agreements. To contact us directly regarding cancellation of your account, correction or removal of other personal information, please email us at info@FinSiteful.com

California Privacy Rights:  If you are a California resident and you have provided us with your Personal Information, you have the right to request that we:

  • A) Disclose the categories and specific pieces of Personal Information we have collected;
  • B) Disclose the categories of sources from which the Personal Information is collected;
  • C) Disclose the purpose for collecting or selling your Personal Information;
  • D) Disclose the categories of third parties with whom we share your Personal Information;
  • E) Delete any Personal Information about you that we have collected from you, subject to certain exceptions; and
  • F) Not sell your Personal Information.

This Privacy Policy seeks to address items A through D above, and we do not as a matter of policy sell your Personal Information per item F. As to requests for item E, they must be submitted to us in writing at info@finsiteful.com.

Opt-Out of Targeted Advertising:  Through the Digital Advertising Alliance (“DAA”) and Network Advertising Initiative (“NAI”), several media and marketing associations have developed an industry self-regulatory program to give consumers a better understanding of and greater control over ads that are customized based on their online behavior across different web services. To make choices about interest-based ads from participating third parties, please visit the DAA’s or NAI’s consumer opt out pages, which are located here and here.

You may also reset your mobile device’s advertising identifier or set it to opt out of targeted advertising.
iOS: You can opt-out of targeted advertising by choosing “Limit Ad Tracking” in your device’s settings menu.
Android: You can reset your advertising ID at any time from the Ads section under Settings on your device, or you can also opt-out of targeting advertising in this same section.

Finally, we will send you service-related announcements on the rare occasion when it is necessary to do so. For instance, if our service is temporarily suspended for maintenance, we might send you an email. Generally, you may not opt-out of these communications, which are not promotional in nature. If you do not wish to receive them, you have the option to deactivate your Services account.

Retaining Personal Information

We will only keep your Personal Information for as long as it is necessary for the purposes set out in this Privacy Policy, unless a longer retention period is required or permitted by law (such as tax, accounting or other legal requirements). When we have no ongoing legitimate business need to process your Personal Information, we will either delete or anonymize it, or, if this is not possible (for example, because your Personal Information has been stored in backup archives), then we will securely store your Personal Information and isolate it from any further processing until deletion is possible.

Security

We have implemented appropriate technical and organizational security measures designed to protect the security of any Personal Information we process. However, please note that we cannot guarantee that the internet itself is 100% secure. Although we will do our best to protect your Personal Information, transmission of Personal Information to and from our Services is at your own risk. You should only access the Services within a secure environment.

The access to your FinSiteful account is password-protected. We restrict access to your personal information to our employees and to permitted Service Providers or Third Parties who need to know that information to provide products or services for us, or to provide, process, or maintain any security, account, or investment product, service or program for you or your benefit. To protect your personal information from unauthorized access and use, we have adopted administrative, technical, and physical security procedures that comply with federal law. These measures include computer safeguards and secured files and buildings.

We use our reasonable best efforts to protect our users’ Personal Information. If you have any questions about our security procedures, you can contact us at the email address given at the end of this policy statement. We follow generally accepted industry standards to protect the Personal Information submitted to us, both during transmission and once we receive it. However, no method of transmission over the Internet or method of electronic storage is 100% secure.

Although we take appropriate measures to safeguard against unauthorized disclosures of information, we cannot assure you that the Personal Information that we collect will never be disclosed in a manner that is inconsistent with this Privacy Policy.

You hereby acknowledge that we are not responsible for any intercepted information sent via the Internet, and you hereby release us from any and all claims arising out of or related to the use of intercepted information by any unauthorized party.

Changes to the FinSiteful Privacy Policy

The effective date of this Privacy Policy appears at the top of this page. However, we may update this Privacy Policy from time to time. It is our policy to post any changes we make to our privacy policy on this page. If we make material changes to how we treat your Personal Information, we will notify you by email to the email address specified in your account or through a notice on the Services home page. The date the privacy policy was last revised is identified at the top of the page. You are responsible for ensuring we have an up-to-date active and deliverable email address for you, and for periodically visiting our website and this Privacy Policy to check for any changes.

Questions or Concerns

If you have any questions or concerns regarding privacy using the Services, please send us a detailed message to info@FinSiteful.com. We will make every effort to resolve your concerns promptly.

NOTWITHSTANDING ANYTHING HEREIN TO THE CONTRARY, NOTHING IN THIS PRIVACY POLICY SHALL BE INTERPRETED TO WAIVE OR LIMIT YOUR RIGHTS UNDER ANY FEDERAL OR STATE SECURITIES LAW.

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