Privacy Policy

Privacy Policy

 

Protecting your private information is our priority. This Statement of Privacy applies to www.spendsible.com and app.Spendsible.com and governs data collection and usage. For the purposes of this Privacy Policy, unless otherwise noted, all references to Spendsible include www.spendsible.com and /or our mobile application. The Spendsible website and mobile application is a Banking and Finance site and application. By using the Spendsible website or mobile application, you consent to the data practices described in this statement.

This policy applies to information we collect:

  • On our Site and our App.
  • In e-mail, text and other electronic messages between you and Spendsible.
  • Through mobile and desktop applications you download from our Site or App via the Apple App Store or Android Store, which provide dedicated non-browser-based interaction between you and our Site and/or App.
  • When you use our Platform and/or Services.
  • When you interact with our advertising and applications on third-party websites and services if those applications or advertising include links to this policy.
  • When you voluntarily share information from your Social Media Provider account.

It does not apply to information collected by:

  • us offline or through any other means, including on any other website operated by Company or any third party (including our affiliates and subsidiaries); or
  • any third party, including through any application or content (including advertising) that may link to or be accessible from our Site and/ or App.

BY ACCESSING OUR SITE, APP, AND/OR PLATFORM, AND/OR BY USING OUR SERVICES, YOU ARE AGREEING TO AND ACCEPTING THE PRACTICES DESCRIBED IN THIS PRIVACY POLICY. IF YOU DO NOT AGREE WITH THE TERMS OF THIS PRIVACY POLICY, PLEASE DO NOT ACCESS OUR SITE, APP, OUR PLATFORM, AND/OR SERVICES.

Collection of your Personal Information

In order to better provide you with products and services offered on our Site, Spendsible collects several types of information from and about users of our Site and/ or App including the following:

  1. Account Information.  This information is collected when you establish your Account on the Spendsible platform to transfer money between your two accounts. Spendsible collects information by which you may be personally identified, such as name, physical address, e-mail address, SSN, phone number, Date of Birth, bank account information, and your Social Media or Gmail identifiers.  This information is used to establish secure connections to your banking institutions to allow money to be moved by you through the Spendsible platform/App.
  2. Activities on your Account.  When you create an account on our Site and/or App, we will collect details of transactions you carry out through our Site and/or App.

You authorize Spendsible to collect and share with our payments provider Dwolla, Inc. your personal information including full name, date of birth, social security number, physical address, email address and financial information, and you are responsible for the accuracy and completeness of that data. Dwolla’s Privacy Policy is available at https://www.dwolla.com/legal/privacy/

Please keep in mind that if you directly disclose personally identifiable information or personally sensitive data through Spendsible’s public message boards, this information may be collected and used by others.

We do not collect any personal information about you unless you voluntarily provide it to us. However, you may be required to provide certain personal information to us when you elect to use certain products or services available on the Site. These may include: (a) registering for an account on our Site; (b) entering a sweepstakes or contest sponsored by us or one of our partners; (c) signing up for special offers from selected third parties; (d) sending us an email message; (e) submitting your credit card or other payment information when ordering and purchasing products and services on our Site. To wit, we will use your information for, but not limited to, communicating with you in relation to services and/or products you have requested from us. We also may gather additional personal or non-personal information in the future.

Use of your Personal Information

Spendsible collects and uses your personal information to operate its website(s) and deliver the services you have requested.

Spendsible may also use your personally identifiable information to inform you of other products or services available from Spendsible and its affiliates.

Sharing Information with Third Parties

Spendsible does not sell, rent or lease its customer lists to third parties.

Spendsible may, from time to time, contact you on behalf of external business partners about a particular offering that may be of interest to you. In those cases, your unique personally identifiable information (e-mail, name, address, telephone number) is not transferred to the third party. Spendsible may share data with trusted partners to help perform statistical analysis, send you email or postal mail, provide customer support, or arrange for deliveries. All such third parties are prohibited from using your personal information except to provide these services to Spendsible, and they are required to maintain the confidentiality of your information.

Spendsible may disclose your personal information, without notice, if required to do so by law or in the good faith belief that such action is necessary to: (a) conform to the edicts of the law or comply with legal process served on Spendsible or the site; (b) protect and defend the rights or property of Spendsible; and/or (c) act under exigent circumstances to protect the personal safety of users of Spendsible, or the public.

Tracking User Behavior

Spendsible may keep track of the websites and pages our users visit within Spendsible, in order to determine what Spendsible services are the most popular. This data is used to deliver customized content and advertising within Spendsible to customers whose behavior indicates that they are interested in a particular subject area.

Automatically Collected Information

Information about your computer hardware and software may be automatically collected by Spendsible. This information can include: your IP address, browser type, domain names, access times and referring website addresses. This information is used for the operation of the service, to maintain quality of the service, and to provide general statistics regarding use of the Spendsible website.

The information we collect automatically is statistical data and does not include Personal Data, but we may maintain it or associate it with personal data we collect in other ways or receive from third parties. It helps us to improve our Site and/or App and to deliver a better and more personalized service, including by enabling us to:

  • Estimate our audience size and usage patterns.
  • Store information about your preferences, allowing us to customize our Site and/or App according to your individual interests.
  • Speed up your searches.
  • Recognize you when you return to our Site and/or App.
  • Suggest better savings ideas or applicable goals to help you achieve.
  • Suggest financial coaches or people you may want to follow.
  • Build better savings habits.

 

Use of Cookies

The Spendsible website may use “cookies” to help you personalize your online experience. A cookie is a text file that is placed on your hard disk by a web page server. Cookies cannot be used to run programs or deliver viruses to your computer. Cookies are uniquely assigned to you, and can only be read by a web server in the domain that issued the cookie to you.

One of the primary purposes of cookies is to provide a convenience feature to save you time. The purpose of a cookie is to tell the Web server that you have returned to a specific page. For example, if you personalize Spendsible pages, or register with Spendsible site or services, a cookie helps Spendsible to recall your specific information on subsequent visits. This simplifies the process of recording your personal information, such as billing addresses, shipping addresses, and so on. When you return to the same Spendsible website, the information you previously provided can be retrieved, so you can easily use the Spendsible features that you customized.

You have the ability to accept or decline cookies. Most Web browsers automatically accept cookies, but you can usually modify your browser setting to decline cookies if you prefer. If you choose to decline cookies, you may not be able to fully experience the interactive features of the Spendsible services or websites you visit.

Links

This website contains links to other sites. Please be aware that we are not responsible for the content or privacy practices of such other sites. We encourage our users to be aware when they leave our site and to read the privacy statements of any other site that collects personally identifiable information.

Security of your Personal Information

Spendsible secures your personal information from unauthorized access, use, or disclosure. Spendsible uses the following methods for this purpose:

 

SSL Protocol

 

When personal information (such as a credit card number) is transmitted to other websites, it is protected through the use of encryption, such as the Secure Sockets Layer (SSL) protocol.

We strive to take appropriate security measures to protect against unauthorized access to or alteration of your personal information. Unfortunately, no data transmission over the Internet or any wireless network can be guaranteed to be 100% secure. As a result, while we strive to protect your personal information, you acknowledge that: (a) there are security and privacy limitations inherent to the Internet which are beyond our control; and (b) security, integrity, and privacy of any and all information and data exchanged between you and us through this Site cannot be guaranteed.

Children Under Thirteen

Spendsible does not knowingly collect personally identifiable information from children under the age of thirteen. If you are under the age of thirteen, you must ask your parent or guardian for permission to use this website.

E-mail Communications

From time to time, Spendsible may contact you via email for the purpose of providing announcements, promotional offers, alerts, confirmations, surveys, and/or other general communication. In order to improve our Services, we may receive a notification when you open an email from Spendsible or click on a link therein.

If you would like to stop receiving marketing or promotional communications via email from Spendsible, you may opt out of such communications by Clicking on the UNSUBSCRIBE button in the email.

You may receive e-mail communication from Spendsible that informs you of transactions to your account, updates regarding your account, or other transactional type of information.  These emails cannot be opted out.

External Data Storage Sites

We may store your data on servers provided by third party hosting vendors with whom we have contracted.

Changes to this Statement

Spendsible reserves the right to change this Privacy Policy from time to time. We will notify you about significant changes in the way we treat personal information by sending a notice to the primary email address specified in your account, by placing a prominent notice on our site, and/or by updating any privacy information on this page. Your continued use of the Site and/or Services available through this Site after such modifications will constitute your: (a) acknowledgment of the modified Privacy Policy; and (b) agreement to abide and be bound by that Policy.

PLEASE NOTE:  IF YOU USE OUR SITE, APP, PLATFORM AND/OR OUR SERVICES, YOU HAVE AGREED TO AND ACCEPTED THE PRACTICES DESCRIBED IN THIS POLICY AND THE TERMS AND CONDITIONS SET FORTH IN OUR TERMS AND CONDITIONS. IF YOU DO NOT AGREE WITH THE TERMS OF THIS POLICY, PLEASE DO NOT USE OUR PLATFORM OR OUR SERVICES, OR ESTABLISH AN ACCOUNT.

Contact Information

Spendsible welcomes your questions or comments regarding this Statement of Privacy. If you believe that Spendsible has not adhered to this Statement, please contact Spendsible at:

Spendsible
5811 McFadden Ave, Ste 38
Huntington Beach, California 92649

Email Address:
[email protected]

Telephone number:
1-949-439-4514

Effective as of May 1st, 2019