This Privacy Policy (“Privacy Policy”) explains MoneyWand LLC’s (“we,” “us,” “our”) privacy practices for the information described herein. This Privacy Policy applies any time that we collect personal information from or about individuals, whether online or offline, including information collected through our website, information collected through software, information collected through applications that run on mobile devices or tablets, information collected when you purchase our products and services, and information collected when you enroll in our customer programs (each a “Service” and collectively, the “Services”), information collected when you communicate with us in-person or through phone or email, and information we receive about you from third parties. By using any of our Services or otherwise providing your personal information to us, you understand, acknowledge, and consent to the practices described in this Privacy Policy.
In conducting every aspect of our business, we may collect personal information. The information we collect will vary depending on your interaction with us and which Service you use. Such information may include, without limitation: your name, home and mailing addresses, email addresses, telephone numbers, credit or debit card numbers or other payment methods, age, gender, billing information, and other types of personal information that you choose to provide to us or that we may obtain about you. We collect personal information, as well as non-personally-identifiable information, in multiple ways:
We collect information you provide to us. This may include, for example, when you transact business with us, use our Services, enroll in any of our programs, request information or materials from us, enter promotions or contests offered by us, register for or attend our events, use any of the interactive portions of our website or applications, register on the customer portal, communicate with our customer service or sales teams, respond to a survey, purchase products or other services from us, or respond to our advertisements.
We may collect information about you from a variety of third parties. For example, we may obtain information about you from:
When you use our Services (i.e. visit our website or use applications that run on mobile devices or tablets), we collect some information automatically. For example, when you visit our website, we may collect device, usage and log information such as your computer’s operating system, Internet Protocol (IP) address, access times, browser type and language, the search engine you used to locate the website, and the website you visited before or after our site. In addition, we gather certain navigational information about where you go on our website to help us determine which areas of the website are most frequently visited and helps us to tailor the sites to the needs and interests of our online visitors. If you use our mobile applications or use our Services on a mobile device or tablet, we may also collect your device type, mobile phone number, operating system type, wireless carrier, and device IDs, on our mobile applications.
Like most companies, we use technologies such as web beacons, pixels, tags, and JavaScript, alone or in conjunction with cookies, to gather this information. When you visit our website, we, or an authorized third party, place or recognize a unique cookie on your browser (including through use of pixel tags) that collects information, including personal information, about your online activities over time and across different sites. We also use web beacons and pixels in our emails to collect information about how you interact with our emails. For example, we may place a pixel in marketing emails that notify us when you click on a link in the email. We use these technologies and the information they collect: (a) for security purposes; (b) to remember information so that you will not have to re-enter it during your visit or the next time you visit the site; (c) to provide custom, personalized content and information; (c) to gather aggregate statistical data and metrics such as total number of visitors, traffic, and demographic patterns to continually improve design and functionality, as well as understand how the websites are used and assist us with resolving questions; (d) to diagnose or fix technology problems; and (e) to deliver, evaluate the effectiveness of, and improve our marketing and advertising.
If you want to remove or block collection technology, you may be able to update your browser settings (consult your browser’s “help” menu to learn how to remove or block cookies and similar technology). You can find instructions on how to manage collection technology on different types of web browsers at www.allaboutcookies.org.
We may use your personal information to:
We may also use personal information we have collected and aggregated, or anonymized personal information received from third parties, to understand more about our users (for example, we may use aggregated information to calculate the percentage of our users who have a particular telephone area code). This includes demographic data, inferred commercial interests, and other information we may collect from you or from third parties.
We do not knowingly collect or store any personal information from anyone under the age of 13. If we become aware that we have collected or stored personal information from an individual under age 13, we will remove his or her personal information from our files. If you are a parent or guardian and believe we may have inadvertently collected personal information from your child, please notify us immediately by sending an email to customercare@moneywand.ai.
We do not collect or respond to Do Not Track signals and our websites do not function differently based on any Do Not Track preferences that may be received. For more information on Do Not Track signals, please visit https://allaboutdnt.com/.
We also use analytics services provided by third parties, such as Google Analytics. These companies use cookies and other collection technology to collect and store information about the use of the websites and the use of other websites, apps and online resources. You can read Google’s privacy policy, which applies to Google Analytics, at http://www.google.com/intl/en/policies/privacy/. You also can opt-out from being tracked by Google Analytics in the future by downloading and installing Google Analytics Opt-out Browser Add-on for your current browser.
Third-party applications, such as Instagram, Facebook, Twitter, Pinterest, or Google buttons, may be available on our websites. The owners or providers of those third-party applications may collect personal information from you. Your interactions with third-party applications on our website may also be shared with others within your social network. The collection of information by these third-party applications is governed by their own information collection policies and practices, not this Privacy Policy. We are not responsible for the collection and use of your information by such third parties.
We may use third-party advertising companies to serve advertisements regarding goods and services that may interest you when you access and use our websites or apps, other websites or apps or other online services. To serve such advertisements, these companies place or recognize a unique cookie on your browser (including through use of pixel tags). If you would like more information about this practice, and to learn about your choices in connection with it, please visit http://www.aboutads.info/ or http://www.networkadvertising.org/managing/opt_out.asp. To opt out of the practice, you may download the AppChoices app at www.aboutads.info/appchoices.
Our website may contain links to other sites that we do not own or operate. We do not control, recommend or endorse and are not responsible for these sites or their content, products, services or privacy policies or practices. These other sites may send their own cookies to your device, they may independently collect information about you or from you, and they may or may not have their own published privacy policies.
We store your information using reasonable physical, technical and administrative safeguards. Please be aware that the Services and data storage are run on software, hardware and networks, any component of which may, from time to time, require maintenance or experience problems or breaches of security beyond our control. In addition, no transmission of data over the internet is guaranteed to be completely secure. It may be possible for third parties not under our control to intercept or access transmissions or private communications unlawfully. We cannot ensure or warrant the security of any information you transmit to us over the internet.
If you no longer want to receive marketing-related emails from us on a going-forward basis, you may opt out by contacting us by email at customercare@moneywand.ai or by following the instructions in any such email you receive from us. We will try to comply with your request as soon as reasonably practicable. If you opt out of receiving marketing emails from us, we may still send you important administrative messages, from which you cannot opt out.
In certain circumstances, you may be able to review and request changes to your personal information on the website or by contacting us at customercare@moneywand.ai.
The Privacy Policy may be revised from time to time. The “Last Updated” legend at the bottom of this page indicates when this Privacy Policy was last revised. Any changes will become effective when we post the revised Privacy Policy on any of our websites. Your use of the Services following these changes means that you accept the revised Privacy Policy.
If you have any questions or concerns about this Privacy Policy or our privacy practices, please contact us at customercare@moneywand.ai.
The California Consumer Privacy Act (“CCPA”) affords California consumers certain rights over their Personal Information (subject to certain exceptions). This CCPA Privacy Notice outlines those rights and explains how such rights may be exercised. This CCPA Privacy Notice also summarizes our data collection and sharing practices, as required by the CCPA. Terms used but not defined shall have the meaning ascribed to them in the CCPA. This section 15 of our Privacy Policy – the CCPA Privacy Notice – applies solely to California consumers. You may download a copy of this CCPA Privacy Notice here.
This CCPA Privacy Notice relates to our collection, use and disclosure of California consumers’ Personal Information. For purposes of this CCPA Privacy Notice only, “Personal Information” generally means information that identifies, relates to, describes, is reasonably capable of being associated with, or could reasonably be linked, directly or indirectly, with a particular consumer or household.
We do not sell Personal Information to third parties. We also do not share any Personal Information with third parties for the third parties’ marketing purposes.
We do not knowingly collect or store any Personal Information from anyone under the age of 16. If we become aware that we have collected or stored Personal Information from an individual under age 16, we will remove his or her Personal Information from our files. If you are a parent or guardian and believe we may have inadvertently collected Personal Information from your child, please notify us immediately by sending an email to customercare@moneywand.ai.
When you use, purchase, obtain or consider any of our Services, or communicate with us, we collect Personal Information. We may use your Personal Information for a variety of business and commercial purposes. As discussed in Section 3 of our Privacy Policy above, we share Personal Information with Service Providers, Government Agencies, Special Circumstances Recipients, Transaction Recipients and Authorized Third Parties.
The table below summarizes our collection, use, and sharing practices relating to Personal Information, with respect to Personal Information of California consumers that we have collected, used and disclosed in the 12 months preceding the Last Updated date below.
Identifiers Examples: real name; alias; postal address; telephone numbers; unique personal identifier; online identifier; Internet Protocol Address; email address; account name, social security number, driver’s license number, passport number and other similar identifiers.
Directly from consumers (online or offline) Information collected through the use of our Services (e.g., through cookies or our App) Social Media Companies
Verify your identity Process payments for goods or services Provide, support, personalize, and develop our websites, products, and Services. Process and fulfill a request or other transaction submitted to us. To complete contracts as well as any disclosures or other documents required by law. To create, maintain, customize, enroll in, register for, and secure your customer account. Administer and support participation in loyalty programs, sweepstakes, events, special offers, special pricing, discounts, and promotions. Communicate with you (e.g., for customer service purposes) Marketing and advertising our products and Services. Research and analytical purposes (e.g., identifying trends and effectiveness of marketing campaigns) For our business operations (e.g., auditing and reporting) Comply with our legal obligations. Promote safety, integrity and security, including to prevent fraud. Assist us with legal claims, compliance, regulatory and investigative purposes as necessary (including in connection with law enforcement investigations, legal process, or litigation) Protecting our legitimate business interests and legal rights
Service Providers (including DMS Companies, Marketing Companies, Computer Software Companies, Professional Service Firms, Website and Application Development Companies, Information Technology Services Companies, Data Storage Companies, Data Analytics Companies, and Management Companies); Government Agencies; and Authorized Third Parties.
Any categories of personal information described in subdivision (e) of Section 1798.80 Examples: name, signature, Social Security number, physical characteristics or description, address, telephone number, passport number, driver’s license or state identification card number, insurance policy number, education, employment, employment history, bank account number, credit card number, debit card number, or any other financial information.
Verify your identity. Process payments for goods or services. To provide, support, personalize, and develop our websites, products, and Services. Process and fulfill a request or other transaction submitted to us. To complete contracts as well as any disclosures or other documents required by law. To create, maintain, customize, enroll in, register for, and secure your customer account. Administer and support participation in loyalty programs, sweepstakes, events, special offers, special pricing, discounts, and promotions. Communicate with you (e.g., for customer service purposes) Marketing and advertising our products and Services. Research and analytical purposes (e.g., identifying trends and effectiveness of marketing campaigns) For our business operations (e.g., auditing and reporting) Comply with our legal obligations. Promote safety, integrity and security, including to prevent fraud. Assist us with legal claims, compliance, regulatory and investigative purposes as necessary (including in connection with law enforcement investigations, legal process, or litigation) Protecting our legitimate business interests and legal rights.
Services Providers (including DMS Companies, Marketing Companies, Computer Software Companies, Professional Service Firms, Website and Application Development Companies, Information Technology Services Companies, Data Storage Companies, Data Analytics Companies, and Management Companies); Government Agencies; and Authorized Third Parties.
Characteristics of protected classifications under California or federal law Examples: age (40 years or older), race, color, ancestry, national origin, citizenship, religion or creed, marital status, medical condition, physical or mental disability, sex (including gender, gender identity, gender expression, pregnancy or childbirth and related medical conditions), sexual orientation, veteran or military status, genetic information (including familial genetic information)
Directly from consumers (online or offline) Information collected through the use of our Services (e.g., through cookies or our App) Social Media Companies
Verify your identity. To provide, support, personalize, and develop our websites, products, and Services. Process and fulfill a request or other transaction submitted to us. To complete contracts as well as any disclosures or other documents required by law. To create, maintain, customize, enroll in, register for, and secure your customer account and support participation in loyalty programs, sweepstakes, events, special offers, special pricing, discounts, and promotions Communicate with you (e.g., for customer service purposes) Marketing and advertising our products and Services. Research and analytical purposes (e.g., identifying trends and effectiveness of marketing campaigns) For our business operations (e.g., auditing and reporting)Comply with our legal obligations Promote safety, integrity and security, including to prevent fraud. Assist us with legal claims, compliance, regulatory and investigative purposes as necessary (including in connection with law enforcement investigations, legal process, or litigation)Protecting our legitimate business interests and legal rights
Services Providers (including DMS Companies, Marketing Companies, Computer Software Companies, Professional Service Firms, Website and Application Development Companies, Information Technology Services Companies, Data Storage Companies, Data Analytics Companies, and Management Companies); Government Agencies; and Authorized Third Parties.
Commercial Information Examples: records of personal property, products or services purchased, obtained, or considered, or other purchasing or consuming histories or tendencies
Directly from consumers (online or offline) Information collected through the use of our Services (e.g., through cookies or our App) Social Media Companies
Process payments for goods or services To provide, support, personalize, and develop our websites, products, and Services Process and fulfill a request or other transaction submitted to us To complete contracts as well as any disclosures or other documents required by law To create, maintain, customize, enroll in, register for, and secure your customer account or loyalty program account Administer and support participation in loyalty programs, sweepstakes, events, special offers, special pricing, discounts, and promotions Communicate with you (e.g., for customer service purposes)Marketing and advertising our products and Services Research and analytical purposes (e.g., identifying trends and effectiveness of marketing campaigns) For our business operations (e.g., auditing and reporting)Comply with our legal obligations Promote safety, integrity and security, including to prevent fraud Assist us with legal claims, compliance, regulatory and investigative purposes as necessary (including in connection with law enforcement investigations, legal process, or litigation)Protecting our legitimate business interests and legal rights
Services Providers (including DMS Companies, Marketing Companies, Computer Software Companies, Professional Service Firms, Website and Application Development Companies, Information Technology Services Companies, Data Storage Companies, Data Analytics Companies, and Management Companies); Government Agencies; and Authorized Third Parties.
Internet or other electronic network activity information Examples: browsing history; search history; and information regarding a consumer’s interaction with an internet website, application, or advertisement.
Directly from consumers (online or offline) Information collected through the use of our Services (e.g., through cookies or our App) Social Media Companies
To provide, support, personalize, and develop our websites, products, and Services Process and fulfill a request or other transaction submitted to us To complete contracts as well as any disclosures or other documents required by law To create, maintain, customize, enroll in, register for, and secure your customer account or loyalty program account Administer and support participation in loyalty programs, sweepstakes, events, special offers, special pricing, discounts, and promotions Marketing and advertising our products and Services Research and analytical purposes (e.g., identifying trends and effectiveness of marketing campaigns) For our business operations (e.g., auditing and reporting)Comply with our legal obligations Promote safety, integrity and security, including to prevent fraud Assist us with legal claims, compliance, regulatory and investigative purposes as necessary (including in connection with law enforcement investigations, legal process, or litigation)Protecting our legitimate business interests and legal rights
Service Providers (including Computer Software Companies, Website and Application Development Companies, Information Technology Services Companies, Data Storage Companies, and Data Analytics Companies)
Geolocation data Examples: the geographic location (latitude and longitude) of an internet-connected device such as a cell phone, tablet or computer or any other device connected to the internet and used to visit our websites or use our applications.
Service Providers (including Computer Software Companies, Website and Application Development Companies, Information Technology Services Companies, Data Storage Companies, and Data Analytics Companies)
Audio, electronic visual, thermal, olfactory of similar information Examples: information from voicemail messages and/or recorded phone calls, and video surveillance at our stores
Directly from consumers (online or offline) Automatically when you visit our stores or call our customer service line
Verify your identity To provide, support, personalize, and develop our websites, products, and Services Administer and support participation in loyalty programs, sweepstakes, events, special offers, special pricing, discounts, and promotions Communicate with you (e.g., for customer service purposes)For our business operations (e.g., auditing and reporting)Comply with our legal obligations Promote safety, integrity and security, including to prevent fraud Assist us with legal claims, compliance, regulatory and investigative purposes as necessary (including in connection with law enforcement investigations, legal process, or litigation)Protecting our legitimate business interests and legal rights
Services Providers (including DMS Companies, Marketing Companies, Computer Software Companies, Professional Service Firms, Website and Application Development Companies, Information Technology Services Companies, Data Storage Companies, Data Analytics Companies, and Management Companies); and Government Agencies
Inferences drawn from other personal information Examples: information used to create a profile reflecting a person’s preferences, characteristics, psychological trends, predispositions, behavior, attitudes, intelligence, abilities, and aptitudes.
Directly from consumers (online or offline) Information collected through the use of our Services (e.g., through cookies or our App) Social Media Companies
Verify your identity To provide, support, personalize, and develop our websites, products, and Services To create, maintain, customize, enroll in, register for, and secure your customer account or loyalty program account Marketing and advertising our products and Services Research and analytical purposes (e.g., identifying trends and effectiveness of marketing campaigns) For our business operations (e.g., auditing and reporting)Promote safety, integrity and security, including to prevent fraud Assist us with legal claims, compliance, regulatory and investigative purposes as necessary (including in connection with law enforcement investigations, legal process, or litigation)Protecting our legitimate business interests and legal rights Services Providers (including DMS Companies, Marketing Companies, Computer Software Companies, Professional Service Firms, Website and Application Development Companies, Information Technology Services Companies, Data Storage Companies, Data Analytics Companies, and Management Companies); Government Agencies; and Authorized Third Parties.
Services Providers (including DMS Companies, Marketing Companies, Computer Software Companies, Professional Service Firms, Website and Application Development Companies, Information Technology Services Companies, Data Storage Companies, Data Analytics Companies, and Management Companies); Government Agencies; and Authorized Third Parties.
Subject to certain exceptions, the CCPA affords California consumers the following rights:
You have the right to request that we disclose the following information for the 12-month period preceding your request:
You have the right to request that we delete any Personal Information about you that we have collected or that we maintain.
You have the right not to receive discriminatory treatment from us for the exercise of the privacy rights conferred by the CCPA and listed in this CCPA Privacy Notice.
You may submit a Request to Know or a Request to Delete by contacting us at customercare@moneywand.ai or by using this interactive webform.
Once you submit a request, we will verify that you are the consumer to which the request pertains by matching data points that you provide with information we maintain. Depending on the type of request you submit, we will attempt to match either two or three of the data points you provided. If we are unable to verify your request with the data points you provided, we may reach out to you for additional information to verify your request.
California consumers have the right to designate an authorized agent to exercise their CCPA rights. To designate an authorized agent, you must either provide the agent with an executed power of attorney or provide the authorized agent with written permission, signed by you, to exercise your CCPA rights. The agent must also be registered with the California Secretary of State.
If you have a disability and need access to our CCPA Privacy Notice in a different format, please contact us at customercare@moneywand.ai.