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.
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.