PRIVACY POLICY OF BUXFER, INC.
NOTICE: THIS PRIVACY POLICY STATEMENT COMPLETELY MODIFIES, REPLACES AND REPEALS THE PRIOR PRIVACY POLICY OF BUXFER, INC. ADOPTED ON July 27, 2007.
INTRODUCTION:
Please Carefully Read The Entire Privacy Policy Statement As Stated Herein (“Privacy Policy”). Buxfer, Inc. (herein also referred to as “Us,” “We,” “Our,” or “Company”) is committed to respecting the privacy rights of its Customers and Visitors (as defined herein) that access, interact and/or use the services and/or products offered by the Company through its website located at http://www.buxfer.com and/or mobile applications available through the Apple Store, Google Play and Windows Store (collectively referred to in this Agreement as the/this “Site”).
The term Visitor, as used herein, means an individual that simply browses the Site. The term “Customer” as used herein, means an individual that registers or has registered for a User Account with Us. The term “YOU,” “YOUR,” or “User” refers to YOU as a Visitor or Customer. The term “User Account” as used herein refers to any account that you register for, set up and/or create with the Company.
This Privacy Policy is only applicable to the Site, and not to any other websites or applications (whether Affiliated or not with Company) that YOU may be able to access from the Site, each of which may have data collection, storage, and use practices and policies that may differ materially from this Privacy Policy.
Our Privacy Policy is designed to provide notice and to help YOU understand the collection, use, sharing and safeguarding of the information YOU provide Us or that is obtained by Us (“Information”) when YOU visit, interact with or use the Site, create a User Account, and/or purchase and/or use our products and/or services (“Site Interactions”).
BINDING AGREEMENT:
As a result of YOUR Site Interactions, YOU agree and accept the terms of this Privacy Policy and Our Terms of Use, as amended, and consent to our collection, storage, use and disclosure of YOUR Information, including YOUR Personal Information as described in this Privacy Policy. YOU also agree and consent to receiving this Privacy Policy electronically.
If YOU do not agree with any term of this Privacy Policy, please do not interact with the Site, do not provide Us with YOUR Information, including YOUR Personal Information, nor use any our products or services. Please read this Privacy Policy carefully to understand what We do.
WHAT WE COLLECT/ HOW WE COLLECT:
We collect both Personal Information and Non-Personal Information. “Personal Information” refers to any personally identifiable information (1) provided by YOU, (2) obtained by Us with YOUR consent, or (3) which results from any transactions with YOU and/or any product(s) and/or service(s) provided to or performed for YOU by Us, which is not publicly available. Personal information does not include information that is anonymous, aggregated, or is no longer identifiable to a specific person. Personal Information DOES include information such as YOUR name; YOUR residential or business address; YOUR email address; YOUR social security number; YOUR personal financial data such as YOUR bank account numbers, credit card number(s) or financial account number(s), financial transactions (e.g. credit or debit purchase information and other descriptions of financial transactions that can be used to distinguish or trace an individual’s identity) and YOUR secured login information (including user names and passwords) with third party financial institutions; and demographic data (such as YOUR zip code, age, and income).
The types of Personal Information We collect depend on the Site Interactions by YOU. If YOU communicate with Us or YOUR User Account by e-mail, or by text message, SMS, MMS, or otherwise complete online forms, surveys, or contest entries, any personally identifiable information provided in such communication may be collected as Personal Information. Also, when YOU create a User Account on the Site, any information or data that YOU input, download or consent to being obtained, retrieved, or collected by the Company will be collected and stored, which will contain Personal Information. Moreover, if YOU use other social media platforms such as GOOGLE, FACEBOOK, MICROSOFT and YAHOO to log-in or set up your User Account (“Social Media Log-in”) the Company may collect the username, email address, any public profile information or an opaque identifier pertaining to YOUR Social Media Log-in; However, the Company will not obtain or have access to YOUR Social Media Log-in password. If YOU chose to backup the data contained in YOUR User Account to either YOUR Dropbox or Google Drive accounts, the Company will obtain opaque identifiers in the form of access tokens pertaining to these third party accounts.
Non-Personal Information refers to information that cannot be used to personally identify YOU, such as anonymous usage data, general demographic information We may collect, referring/exit pages and URLs, platform types, preferences YOU submit and preferences that are generated based on the data YOU submit and number of clicks. Generally, there is automatic collection of usage information, such as the numbers and frequency of visitors to the Site and its components, similar to Television ratings that indicate how many people watched a particular show. The Company only uses this data in aggregate form, that is, as a statistical measure, and not in a manner that would identify YOU personally. This type of aggregate data enables Us to figure out how often users use parts of the Site and/or our products and services so that We can make the Site appealing to as many users as possible, and improve our quality of service.
We also automatically track and collect the following categories of information when YOU visit the Site: (1) IP addresses; (2) domain servers; (3) types of computers accessing the Site; (4) types of web browsers used to access the Site; and (5) pages visited by YOU (collectively “Traffic Data”). We use Traffic Data anonymously and not in a way to personally identify YOU. The collection of this data is helpful for marketing purposes or for improving YOUR experience on the Site. We also use “cookies” to customize content specific to YOUR interests, to ensure that YOU do not see the same advertisement repeatedly, and to store YOUR password so YOU do not have to re-enter it each time YOU visit the Site. (See Below for Additional Information on Cookies). The Company also records the details of YOUR transactions on the Site.
The collection of both Personal Information and Non-Personal Information occurs with YOUR interaction with the Site and the use of our product(s) and/or service(s). Therefore, YOU can control the amount of Personal Information provided to the Company. If YOU choose to limit the Personal Information YOU to provide to the Company YOU may be limited to the type of product(s) and/or service(s) and special or premium features or memberships that may be offered or available to YOU. The Company does not collect Personal Information unless it is voluntarily provided by YOU to the Company, its obtainment is consented by YOU, or the collection of such information is a result of any transactions with YOU and/or product(s) or service(s) requested by YOU to be provided to or performed for YOU by the Company.
ADDITIONAL INFORMATION ON COOKIES:
Cookies are alphanumeric identifiers that We transfer to YOUR computer’s hard drive through YOUR browser to enable our systems to recognize YOUR browser and tell Us how and when pages in our Site are visited and by how many people. Our cookies do not collect Personal Information, and We do not combine the general information collected through cookies with other Personal Information to tell Us who YOU are or what YOUR screen name or email address is.
Most browsers have an option for turning off the cookie feature, which will prevent YOUR browser from accepting new cookies, as well as (depending on the sophistication of YOUR browser software) allowing YOU to decide on acceptance of each new cookie in a variety of ways. We require that cookies be enabled for YOU to take advantage of the products and services We offer on the Site and their special/premium features and/or memberships.
HOW WE USE YOUR INFORMATION:
Buxfer, Inc. uses the information We collect to for everyday business purposes as well as to operate, process, improve, and personalize the products and/or services We offer. We also may use the information to communicate with YOU, for example, informing YOU about YOUR User Account and security updates or to offer YOU products and services that might be of interest to YOU.
HOW/WHY WE SHARE YOUR INFORMATION; YOUR RIGHTS TO LIMIT SHARING OF YOUR PERSONAL INFORMATION:
We will not, without YOUR consent, sell, publish or share information YOUR Personal Information except as provided below.
We may share YOUR Personal Information as needed to process or complete any transaction, maintain YOUR User Account or provide any service or product that YOU have requested, chosen or authorized, with third party service providers or our Affiliates, working on our behalf, including marketing our products or services. We will share YOUR information, including your Personal Information, to third party service providers when providing YOU with technical support and assistance. We may share YOUR Personal Information to offer products and services to YOU.
We may share YOUR Personal Information when required by law or to respond to legal process. We may share YOUR Personal Information to comply with Federal, State, or local laws, rules, and other applicable legal requirements; to comply with a properly authorized civil, criminal, or regulatory investigation or subpoena or summons by Federal, State, or local authorities; or to respond to judicial process or government regulatory authorities having jurisdiction over Us for examination, compliance, or other purposes as authorized by law;
We may also share or disclose YOUR Personal Information with our Affiliates, subsidiaries, attorneys, accountants, and auditors. We may share YOUR information to resolve customer disputes and inquires or to persons acting in a fiduciary or representative capacity on behalf of YOU.
We may share or disclose YOUR Personal Information to protect and secure our user or Customer information and data; to maintain the security of our services or products; to protect against or prevent actual or potential fraud, unauthorized transactions, claims, or other liability and as otherwise permitted by law.
If YOU choose to use the "Sync" feature, We will transmit your log-in credentials to the necessary third party vendors and financial institutions where you hold accounts to gather and maintain your account balances, transactions and holdings used to provide this service.
If YOU choose to the use the "Send Money" feature, We will share and receive Personal Information from PayPal, Inc. to help facilitate this service.If YOU choose to use the back-up feature offered by Us, We will share/disclosure YOUR Personal information with either Google, Inc. or Dropbox, Inc. to provide this service.
All financial companies need to share customers' Personal Information to run their everyday business. In the table below, We list the reasons why financial companies can share their customers' Personal Information; the reasons We choose to share; and whether YOU can limit this sharing. When YOU are no longer our customer, We may continue to share YOUR information as described in this privacy statement.
Federal law gives consumers the right to limit some but not all sharing. Federal law also requires Us to tell YOU how We collect, share and protect YOUR Personal Information.
REASONS WE CAN SHARE YOUR PERSONAL INFORMATION |
DOES BUXFER, INC. SHARE? |
CAN YOU LIMIT THIS SHARING? |
|---|---|---|
For our everyday business purposesSuch as to process YOUR transactions, maintain YOUR account(s), respond to court orders and legal investigations, or report to credit bureaus. |
Yes | No |
For our everyday business purposesTo offer products and services to YOU. |
Yes | No |
For joint marketing with other financial companies | No | No |
For our Affiliates’ everyday business purposesInformation about YOUR transactions and experiences |
No | No |
For our Affiliates’ everyday business purposesInformation about YOUR creditworthiness |
No | WE DON’T SHARE |
For our Affiliates to market to YOU |
No | WE DON’T SHARE |
For our Non-Affiliates to market to YOU |
No | WE DON’T SHARE |
QUESTIONS? (CALL +1-855-527-7722 or go to https://www.buxfer.com)
WHY CAN’T I LIMIT ALL SHARING?
Federal Law gives YOU the right to limit only—
Sharing for Affiliates’ everyday business purposes—information about YOUR creditworthiness.
Affiliate from using YOUR information to market to YOU
Sharing for Nonaffiliates to market to YOU
*State laws and individual companies may give YOU additiona rights to limit sharing.
DEFINITIONS
“Affiliates” means companies related by common ownership or control. Affiliates can be financial and nonfinancial companies.
“Nonaffiliates” means companies not related by common ownership or control. They can be financial or nonfinancial companies.
Non-affiliates We share with can include PayPal, Inc. (If YOU use the Send Money feature), Stripe, Inc., Dropbox, Inc. (If YOU use the backup feature), Google Inc. (If YOU use the backup feature), and other third party service providers.
“Joint marketing” means a formal agreement between Nonaffiliated financial companies that together market financial products or services to YOU.
HOW WE PROTECT YOUR INFORMATION:
To protect the confidentiality, security and integrity of YOUR Personal Information We develop, implement and maintain administrative, technical and physical safeguards. To prevent unauthorized access and use of YOUR Personal Information We store such data on secured files, on secured servers, and in secured buildings that are not accessible by third parties. We provide YOU with the capability to transmit YOUR Personal Information via secured and encrypted channels if YOU use a similarly equipped web browser and implement security measures designed to protect YOUR information from unauthorized access. YOUR User Account is protected by YOUR account/profile password and We urge YOU to take steps to keep YOUR Personal Information safe by not disclosing YOUR password and by logging out of YOUR User Account after each use. We further protect YOUR information from potential security breaches by implementing certain technological security measures including encryption, firewalls and secure socket layer technology. However, please note that these measures DO NOT guarantee that YOUR Personal Information will not be accessed, disclosed, altered or destroyed by breach of such firewalls and secure server software. By YOUR Site Interactions, including but not limited to, providing or consent to the collection of Personal Information and/or requesting our products and/or services, YOU acknowledge that YOU understand and agree to assume these risks.
LOCATION OF PROCESSED DATA:
The data We process may be transferred to, stored, and processed in, the United States or any other country in which the Company, its parent company or its Affiliates, subsidiaries, or service providers maintain operations. By YOUR Site Interactions and/or by providing information to Us through the Site, YOU agree and consent to the transfer, storage, and processing of YOUR data to any such country.
USER ABILITY TO ACCESS, UPDATE, AND CORRECT PERSONAL INFORMATION:
At any time, YOU may visit YOUR User Account to review, update or correct YOUR Personal Information that has been provided by YOU or collected by Us. YOU may choose to close or request that We delete YOUR account and YOUR associated data at any time. Please visit www.buxfer.com or contact Support@buxfer.com for additional information.
We will use commercially reasonable efforts to remove YOUR data, although some information may be retained. For example, some information may be retained on a server or media, which is necessary to help ensure continued availability of our products and services. We retain YOUR Personal Information as long as necessary to provide the services YOU have requested. Additionally, We may retain Personal Information to comply with law, prevent fraud, resolve disputes, trouble shoot problems, enforce our Terms of Service/Use and as permitted by applicable law.
GOVERNMENT ACCESS & MERGERS AND ACQUISITIONS:
We reserve the right, in our sole discretion, to share or disclose YOUR Personal Information with law enforcement, government officials, and other regulatory agencies, as permitted by law. If Buxfer, Inc. or its assets are acquired by another company, or in the event of a merger, consolidation, change in control, transfer of substantial assets, reorganization, or liquidation, We may transfer, sell, or assign to third parties, information concerning YOUR relationship with Us, including, without limitation, Personal Information and other information concerning YOUR relationship with Us. Such third parties will assume responsibility for the Personal Information collected by Us in connection with our business operations or through the Site and such third parties will assume the rights and obligations regarding such information as described in this Privacy Policy.
SHARING OF TRACKING DATA WITH 3RD PARTIES (DISCLOSURE OF ANONYMIZED AND AGGREGATED DATA):
We may share or make available anonymous or aggregate information that cannot be used to personally identify YOU with: Third parties for research, marketing and promotional purposes and those Third parties may publicly report the findings of their research or analysis.
PROMOTIONAL OFFERS/ OTHER INFORMATION:
We may send offers to certain YOU on behalf of other businesses. However, when We do so, We do not give the other business YOUR Personal Information. If YOU do not wish to receive these offers, please send an email to Support@buxfer.com to unsubscribe from these promotional offers.
We may send legal notices, periodic service-related alerts, weekly summaries, notifications, newsletters, promotions, or other information via email to YOU. If YOU do not wish to receive these types of electronic communications, please send an email to Support@buxfer.com to unsubscribe OR YOU may also follow the unsubscribe instructions in the email. Please note that YOU may not opt-out of receiving electronic communication with respect to legal notices and/or certain service-related communications and alerts that may be necessary by law or for the proper functioning and use of the Company’s business and/or products/services
CHILDREN:
The Company’s product and services are NOT intended for children under the age of 13 and the Company does not knowingly collect information from children.assume these risks.
GROUPS:
Please note that with respect to the service feature referred to as “Groups” in Our Terms of Use, all information, including Personal Information, submitted, transmitted, retrieved on YOUR behalf, displayed or shared with respect to this feature is visible and accessible by all members of that particular Group. If you chose to invite others to create a user account, using Our service, YOUR name and email address will be shared with the invitee
UPDATES AND CHANGES TO PRIVACY POLICY:
We reserve the right, at any time and without prior notice, to add to, change, update, modify or repeal this Privacy Policy, simply by posting such change, update, or modification on the Site or by sending YOU notice via email or postal mail. Any such change, update, or modification will be effective on the date of posting on the Site, delivery date of the email or deposit date of the postal mail. YOUR continued use of the Site and/or the Service following such notices constitutes YOUR acceptance and agreement to abide to the terms as modified. If at any time YOU find the Privacy Policy or Terms of Use unacceptable, YOU must immediately leave the Site and cease all use of the Service and the Site. It is YOUR responsibility to review this Privacy Policy and Our Terms of Use periodically.
QUESTIONS OR CONCERNS.
If YOU have questions or concerns regarding this Privacy Policy Statement, our security practices and policies, or our information processing practices please contact Us: In writing: Attn: Privacy & Security, Buxfer Inc., 1030 E El Camino Real #114, Sunnyvale, CA 94087, USA.
Call Us at +1-855-527-7722.
Visit Us at https://www.buxfer.com
Email Us at support@buxfer.com
Last revised Oct 10, 2017
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