Last updated July 12, 2023
This privacy notice for Financee ('Company', 'we', 'us', or 'our'), describeshow and why we might collect, store, use, and/or share ('process') yourinformation when you use our services ('Services'), such as when you:
Visit our website at https://Financee.io, or any website of ours that links tothis privacy notice
Engage with us in other related ways, including any sales, marketing, or events
Questions or concerns? Reading this privacy notice will help you understandyour privacy rights and choices. If you do not agree with our policies andpractices, please do not use our Services. If you still have any questions orconcerns, please contact us at info@Financee.io.
SUMMARY OF KEY POINTS
This summary provides key points from our privacy notice, but you can find outmore details about any of these topics by clicking the link following each keypoint or by using our table of contents below to find the section you arelooking for. You can also click here to go directly to our table of contents.
What personal information do we process? When you visit, use, or navigate ourServices, we may process personal information depending on how you interactwith Financee and the Services, the choices you make, and the products andfeatures you use. Click here to learn more.
Do we process any sensitive personal information? We do not process sensitivepersonal information.
Do we receive any information from third parties? We do not receive anyinformation from third parties.
How do we process your information? We process your information to provide,improve, and administer our Services, communicate with you, for security andfraud prevention, and to comply with law. We may also process your informationfor other purposes with your consent. We process your information only when wehave a valid legal reason to do so. Click here to learn more.
In what situations and with which parties do we share personal information? Wemay share information in specific situations and with specific third parties.Click here to learn more.
How do we keep your information safe? We have organisational and technicalprocesses and procedures in place to protect your personal information.However, no electronic transmission over the internet or information storagetechnology can be guaranteed to be 100% secure, so we cannot promise orguarantee that hackers, cybercriminals, or other unauthorised third partieswill not be able to defeat our security and improperly collect, access, steal,or modify your information. Click here to learn more.
What are your rights? Depending on where you are located geographically, theapplicable privacy law may mean you have certain rights regarding your personalinformation. Click here to learn more.
How do you exercise your rights? The easiest way to exercise your rights is byfilling out our data subject request form available here: Financee.io, or bycontacting us. We will consider and act upon any request in accordance withapplicable data protection laws.
Want to learn more about what Financee does with any information we collect?Click here to review the notice in full.
TABLE OF CONTENTS
1. WHAT INFORMATION DO WE COLLECT?
2. HOW DO WE PROCESS YOUR INFORMATION?
3. WHAT LEGAL BASES DO WE RELY ON TO PROCESS YOUR PERSONAL INFORMATION?
4. WHEN AND WITH WHOM DO WE SHARE YOUR PERSONAL INFORMATION?
5. HOW DO WE HANDLE YOUR SOCIAL LOGINS?
6. IS YOUR INFORMATION TRANSFERRED INTERNATIONALLY?
7. HOW LONG DO WE KEEP YOUR INFORMATION?
8. HOW DO WE KEEP YOUR INFORMATION SAFE?
9. DO WE COLLECT INFORMATION FROM MINORS?
10. WHAT ARE YOUR PRIVACY RIGHTS?
11. CONTROLS FOR DO-NOT-TRACK FEATURES
12. DO CALIFORNIA RESIDENTS HAVE SPECIFIC PRIVACY RIGHTS?
13. DO WE MAKE UPDATES TO THIS NOTICE?
14. HOW CAN YOU CONTACT US ABOUT THIS NOTICE?
15. HOW CAN YOU REVIEW, UPDATE, OR DELETE THE DATA WE COLLECT FROM YOU?
1. WHAT INFORMATION DO WE COLLECT?
Personal information you disclose to us
In Short: We collect personal information that you provide to us.
We collect personal information that you voluntarily provide to us when youregister on the Services, express an interest in obtaining information about usor our products and Services, when you participate in activities on theServices, or otherwise when you contact us.
Personal Information Provided by You. The personal information that we collectdepends on the context of your interactions with us and the Services, thechoices you make, and the products and features you use. The personal informationwe collect may include the following:
email addresses
Sensitive Information. We do not process sensitive information.
Payment Data. We may collect data necessary to process your payment if you makepurchases, such as your payment instrument number, and the security codeassociated with your payment instrument. All payment data is stored by Stripe.You may find their privacy notice link(s) here:https://stripe.com/en-gb-lt/privacy.
Social Media Login Data. We may provide you with the option to register with ususing your existing social media account details, like your Facebook, Twitter,or other social media account. If you choose to register in this way, we willcollect the information described in the section called 'HOW DO WE HANDLE YOURSOCIAL LOGINS?' below.
All personal information that you provide to us must be true, complete, andaccurate, and you must notify us of any changes to such personal information.
Information automatically collected
In Short: Some information — such as your Internet Protocol (IP) address and/orbrowser and device characteristics — is collected automatically when you visitour Services.
We automatically collect certain information when you visit, use, or navigatethe Services. This information does not reveal your specific identity (likeyour 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, informationabout how and when you use our Services, and other technical information. Thisinformation is primarily needed to maintain the security and operation of ourServices, and for our internal analytics and reporting purposes.
The information we collect includes:
Log and Usage Data. Log and usage data is service-related, diagnostic, usage,and performance information our servers automatically collect when you accessor use our Services and which we record in log files. Depending on how youinteract with us, this log data may include your IP address, deviceinformation, browser type, and settings and information about your activity inthe Services (such as the date/time stamps associated with your usage, pagesand files viewed, searches, and other actions you take such as which featuresyou use), device event information (such as system activity, error reports(sometimes called 'crash dumps'), and hardware settings).
Device Data. We collect device data such as information about your computer,phone, tablet, or other device you use to access the Services. Depending on thedevice used, this device data may include information such as your IP address(or proxy server), device and application identification numbers, location,browser type, hardware model, Internet service provider and/or mobile carrier,operating system, and system configuration information.
Location Data. We collect location data such as information about your device'slocation, which can be either precise or imprecise. How much information we collectdepends on the type and settings of the device you use to access the Services.For example, we may use GPS and other technologies to collect geolocation datathat tells us your current location (based on your IP address). You can opt outof allowing us to collect this information either by refusing access to theinformation or by disabling your Location setting on your device. However, ifyou choose to opt out, you may not be able to use certain aspects of theServices.
2. HOW DO WE PROCESS YOUR INFORMATION?
In Short: We process your information to provide, improve, and administer ourServices, communicate with you, for security and fraud prevention, and tocomply with law. We may also process your information for other purposes withyour consent.
We process your personal information for a variety of reasons, depending on howyou interact with our Services, including:
To facilitate account creation and authentication and otherwise manage useraccounts. We may process your information so you can create and log in to youraccount, as well as keep your account in working order.
To deliver and facilitate delivery of services to the user. We may process yourinformation to provide you with the requested service.
To request feedback. We may process your information when necessary to requestfeedback and to contact you about your use of our Services.
To protect our Services. We may process your information as part of our effortsto keep our Services safe and secure, including fraud monitoring and prevention.
To save or protect an individual's vital interest. We may process yourinformation when necessary to save or protect an individual’s vital interest,such as to prevent harm.
3. WHAT LEGAL BASES DO WE RELY ON TO PROCESS YOUR INFORMATION?
In Short: We only process your personal information when we believe it isnecessary and we have a valid legal reason (i.e. legal basis) to do so underapplicable law, like with your consent, to comply with laws, to provide youwith services to enter into or fulfil our contractual obligations, to protectyour rights, or to fulfil our legitimate business interests.
If you are located in the EU or UK, this section applies to you.
The General Data Protection Regulation (GDPR) and UK GDPR require us to explainthe valid legal bases we rely on in order to process your personal information.As such, we may rely on the following legal bases to process your personalinformation:
Consent. We may process your information if you have given us permission (i.e.consent) to use your personal information for a specific purpose. You canwithdraw your consent at any time. Click here to learn more.
Performance of a Contract. We may process your personal information when webelieve it is necessary to fulfil our contractual obligations to you, includingproviding our Services or at your request prior to entering into a contractwith you.
Legitimate Interests. We may process your information when we believe it isreasonably necessary to achieve our legitimate business interests and thoseinterests do not outweigh your interests and fundamental rights and freedoms.For example, we may process your personal information for some of the purposesdescribed in order to:
Diagnose problems and/or prevent fraudulent activities
Understand how our users use our products and services so we can improve userexperience
Legal Obligations. We may process your information where we believe it isnecessary for compliance with our legal obligations, such as to cooperate witha law enforcement body or regulatory agency, exercise or defend our legalrights, or disclose your information as evidence in litigation in which we areinvolved.
Vital Interests. We may process your information where we believe it isnecessary to protect your vital interests or the vital interests of a thirdparty, such as situations involving potential threats to the safety of anyperson.
If you are located in Canada, this section applies to you.
We may process your information if you have given us specific permission (i.e.express consent) to use your personal information for a specific purpose, or insituations where your permission can be inferred (i.e. implied consent). Youcan withdraw your consent at any time. Click here to learn more.
In some exceptional cases, we may be legally permitted under applicable law toprocess your information without your consent, including, for example:
If collection is clearly in the interests of an individual and consent cannotbe obtained in a timely way
For investigations and fraud detection and prevention
For business transactions provided certain conditions are met
If it is contained in a witness statement and the collection is necessary toassess, process, or settle an insurance claim
For identifying injured, ill, or deceased persons and communicating with nextof kin
If we have reasonable grounds to believe an individual has been, is, or may bevictim of financial abuse
If it is reasonable to expect collection and use with consent would compromisethe availability or the accuracy of the information and the collection isreasonable for purposes related to investigating a breach of an agreement or acontravention of the laws of Canada or a province
If disclosure is required to comply with a subpoena, warrant, court order, orrules of the court relating to the production of records
If it was produced by an individual in the course of their employment,business, or profession and the collection is consistent with the purposes forwhich the information was produced
If the collection is solely for journalistic, artistic, or literary purposes
If the information is publicly available and is specified by the regulations
4. WHEN AND WITH WHOM DO WE SHARE YOUR PERSONAL INFORMATION?
In Short: We may share information in specific situations described in thissection and/or with the following third parties.
We may need to share your personal information in the following situations:
Business Transfers. We may share or transfer your information in connectionwith, or during negotiations of, any merger, sale of company assets, financing,or acquisition of all or a portion of our business to another company.
5. HOW DO WE HANDLE YOUR SOCIAL LOGINS?
In Short: If you choose to register or log in to our Services using a socialmedia account, we may have access to certain information about you.
Our Services offer you the ability to register and log in using yourthird-party social media account details (like your Facebook or Twitterlogins). Where you choose to do this, we will receive certain profileinformation about you from your social media provider. The profile informationwe receive may vary depending on the social media provider concerned, but willoften include your name, email address, friends list, and profile picture, aswell as other information you choose to make public on such a social mediaplatform.
We will use the information we receive only for the purposes that are describedin this privacy notice or that are otherwise made clear to you on the relevantServices. Please note that we do not control, and are not responsible for,other uses of your personal information by your third-party social mediaprovider. We recommend that you review their privacy notice to understand howthey collect, use, and share your personal information, and how you can setyour privacy preferences on their sites and apps.
6. IS YOUR INFORMATION TRANSFERRED INTERNATIONALLY?
In Short: We may transfer, store, and process your information in countriesother than your own.
Our servers are located in the United States as this application is build witha no-code tool Bubble.io . If you are accessing our Services from outside theUnited States, please be aware that your information may be transferred to,stored, and processed by us in our facilities and by those third parties withwhom we may share your personal information (see 'WHEN AND WITH WHOM DO WESHARE YOUR PERSONAL INFORMATION?' above), in and other countries.
If you are a resident in the European Economic Area (EEA) or United Kingdom(UK), then these countries may not necessarily have data protection laws orother similar laws as comprehensive as those in your country. However, we willtake all necessary measures to protect your personal information in accordancewith this privacy notice and applicable law.
European Commission's Standard Contractual Clauses:
We have implemented measures to protect your personal information, including byusing the European Commission's Standard Contractual Clauses for transfers ofpersonal information between our group companies and between us and ourthird-party providers. These clauses require all recipients to protect allpersonal information that they process originating from the EEA or UK inaccordance with European data protection laws and regulations. Our StandardContractual Clauses can be provided upon request. We have implemented similarappropriate safeguards with our third-party service providers and partners andfurther details can be provided upon request.
7. HOW LONG DO WE KEEP YOUR INFORMATION?
In Short: We keep your information for as long as necessary to fulfil thepurposes outlined in this privacy notice unless otherwise required by law.
We will only keep your personal information for as long as it is necessary forthe purposes set out in this privacy notice, unless a longer retention periodis required or permitted by law (such as tax, accounting, or other legalrequirements). No purpose in this notice will require us keeping your personalinformation for longer than the period of time in which users have an accountwith us.
When we have no ongoing legitimate business need to process your personalinformation, we will either delete or anonymise such information, or, if thisis not possible (for example, because your personal information has been storedin backup archives), then we will securely store your personal information andisolate it from any further processing until deletion is possible.
8. HOW DO WE KEEP YOUR INFORMATION SAFE?
In Short: We aim to protect your personal information through a system oforganisational and technical security measures.
We have implemented appropriate and reasonable technical and organisationalsecurity measures designed to protect the security of any personal informationwe process. However, despite our safeguards and efforts to secure yourinformation, no electronic transmission over the Internet or informationstorage technology can be guaranteed to be 100% secure, so we cannot promise orguarantee that hackers, cybercriminals, or other unauthorised third partieswill not be able to defeat our security and improperly collect, access, steal,or modify your information. Although we will do our best to protect yourpersonal information, transmission of personal information to and from ourServices is at your own risk. You should only access the Services within asecure environment.
9. DO WE COLLECT INFORMATION FROM MINORS?
In Short: We do not knowingly collect data from or market to children under 18years of age.
We do not knowingly solicit data from or market to children under 18 years ofage. By using the Services, you represent that you are at least 18 or that youare the parent or guardian of such a minor and consent to such minordependent’s use of the Services. If we learn that personal information fromusers less than 18 years of age has been collected, we will deactivate theaccount and take reasonable measures to promptly delete such data from ourrecords. If you become aware of any data we may have collected from childrenunder age 18, please contact us at info@Financee.io.
10. WHAT ARE YOUR PRIVACY RIGHTS?
In Short: In some regions, such as the European Economic Area (EEA), UnitedKingdom (UK), and Canada, you have rights that allow you greater access to andcontrol over your personal information. You may review, change, or terminateyour account at any time.
In some regions (like the EEA, UK, and Canada), you have certain rights underapplicable data protection laws. These may include the right (i) to requestaccess and obtain a copy of your personal information, (ii) to requestrectification or erasure; (iii) to restrict the processing of your personalinformation; and (iv) if applicable, to data portability. In certaincircumstances, you may also have the right to object to the processing of yourpersonal information. You can make such a request by contacting us by using thecontact details provided in the section 'HOW CAN YOU CONTACT US ABOUT THISNOTICE?' below.
We will consider and act upon any request in accordance with applicable dataprotection laws.
If you are located in the EEA or UK and you believe we are unlawfullyprocessing your personal information, you also have the right to complain toyour local data protection supervisory authority. You can find their contactdetails here:https://ec.europa.eu/justice/data-protection/bodies/authorities/index_en.htm.
If you are located in Switzerland, the contact details for the data protectionauthorities are available here: https://www.edoeb.admin.ch/edoeb/en/home.html.
Withdrawing your consent: If we are relying on your consent to process yourpersonal information, which may be express and/or implied consent depending onthe applicable law, you have the right to withdraw your consent at any time.You can withdraw your consent at any time by contacting us by using the contactdetails provided in the section 'HOW CAN YOU CONTACT US ABOUT THIS NOTICE?'below or updating your preferences.
However, please note that this will not affect the lawfulness of the processingbefore its withdrawal nor, when applicable law allows, will it affect theprocessing of your personal information conducted in reliance on lawfulprocessing grounds other than consent.
Account Information
If you would at any time like to review or change the information in youraccount or terminate your account, you can:
Log in to your account settings and update your user account.
Upon your request to terminate your account, we will deactivate or delete youraccount and information from our active databases. However, we may retain someinformation in our files to prevent fraud, troubleshoot problems, assist withany investigations, enforce our legal terms and/or comply with applicable legalrequirements.
If you have questions or comments about your privacy rights, you may email usat info@Financee.io.
11. CONTROLS FOR DO-NOT-TRACK FEATURES
Most web browsers and some mobile operating systems and mobile applicationsinclude a Do-Not-Track ('DNT') feature or setting you can activate to signalyour privacy preference not to have data about your online browsing activitiesmonitored and collected. At this stage no uniform technology standard forrecognising and implementing DNT signals has been finalised. As such, we do notcurrently respond to DNT browser signals or any other mechanism thatautomatically communicates your choice not to be tracked online. If a standardfor online tracking is adopted that we must follow in the future, we willinform you about that practice in a revised version of this privacy notice.
12. DO CALIFORNIA RESIDENTS HAVE SPECIFIC PRIVACY RIGHTS?
In Short: Yes, if you are a resident of California, you are granted specificrights regarding access to your personal information.
California Civil Code Section 1798.83, also known as the 'Shine The Light' law,permits our users who are California residents to request and obtain from us,once a year and free of charge, information about categories of personalinformation (if any) we disclosed to third parties for direct marketingpurposes and the names and addresses of all third parties with which we sharedpersonal information in the immediately preceding calendar year. If you are aCalifornia resident and would like to make such a request, please submit yourrequest in writing to us using the contact information provided below.
If you are under 18 years of age, reside in California, and have a registeredaccount with Services, you have the right to request removal of unwanted datathat you publicly post on the Services. To request removal of such data, pleasecontact us using the contact information provided below and include the emailaddress associated with your account and a statement that you reside inCalifornia. We will make sure the data is not publicly displayed on theServices, but please be aware that the data may not be completely orcomprehensively removed from all our systems (e.g. backups, etc.).
CCPA Privacy Notice
The California Code of Regulations defines a 'resident' as:
(1) every individual who is in the State of California for other than atemporary or transitory purpose and
(2) every individual who is domiciled in the State of California who is outsidethe State of California for a temporary or transitory purpose
All other individuals are defined as 'non-residents'.
If this definition of 'resident' applies to you, we must adhere to certainrights and obligations regarding your personal information.
What categories of personal information do we collect?
We have collected the following categories of personal information in the pasttwelve (12) months:
Category Examples Collected
A. Identifiers
Contact details, such as real name, alias, postal address, telephone or mobilecontact number, unique personal identifier, online identifier, InternetProtocol address, email address, and account name
NO
B. Personal information categories listed in the California Customer Recordsstatute
Name, contact information, education, employment, employment history, andfinancial information
NO
C. Protected classification characteristics under California or federal law
Gender and date of birth
NO
D. Commercial information
Transaction information, purchase history, financial details, and paymentinformation
NO
E. Biometric information
Fingerprints and voiceprints
NO
F. Internet or other similar network activity
Browsing history, search history, online behaviour, interest data, andinteractions with our and other websites, applications, systems, andadvertisements
NO
G. Geolocation data
Device location
NO
H. Audio, electronic, visual, thermal, olfactory, or similar information
Images and audio, video or call recordings created in connection with ourbusiness activities
NO
I. Professional or employment-related information
Business contact details in order to provide you our Services at a businesslevel or job title, work history, and professional qualifications if you applyfor a job with us
NO
J. Education Information
Student records and directory information
NO
K. Inferences drawn from other personal information
Inferences drawn from any of the collected personal information listed above tocreate a profile or summary about, for example, an individual’s preferences andcharacteristics
NO
L. Sensitive Personal Information
NO
We may also collect other personal information outside of these categoriesthrough instances where you interact with us in person, online, or by phone ormail in the context of:
Receiving help through our customer support channels;
Participation in customer surveys or contests; and
Facilitation in the delivery of our Services and to respond to your inquiries.
How do we use and share your personal information?
More information about our data collection and sharing practices can be foundin this privacy notice.
You may contact us by email at info@Financee.io, or by referring to the contactdetails at the bottom of this document.
If you are using an authorised agent to exercise your right to opt out we maydeny a request if the authorised agent does not submit proof that they havebeen validly authorised to act on your behalf.
Will your information be shared with anyone else?
We may disclose your personal information with our service providers pursuantto a written contract between us and each service provider. Each serviceprovider is a for-profit entity that processes the information on our behalf,following the same strict privacy protection obligations mandated by the CCPA.
We may use your personal information for our own business purposes, such as forundertaking internal research for technological development and demonstration.This is not considered to be 'selling' of your personal information.
MB Financee has not disclosed, sold, or shared any personal information tothird parties for a business or commercial purpose in the preceding twelve (12)months. MB Financee will not sell or share personal information in the futurebelonging to website visitors, users, and other consumers.
Your rights with respect to your personal data
Right to request deletion of the data — Request to delete
You can ask for the deletion of your personal information. If you ask us todelete your personal information, we will respect your request and delete yourpersonal information, subject to certain exceptions provided by law, such as(but not limited to) the exercise by another consumer of his or her right tofree speech, our compliance requirements resulting from a legal obligation, orany processing that may be required to protect against illegal activities.
Right to be informed — Request to know
Depending on the circumstances, you have a right to know:
whether we collect and use your personal information;
the categories of personal information that we collect;
the purposes for which the collected personal information is used;
whether we sell or share personal information to third parties;
the categories of personal information that we sold, shared, or disclosed for abusiness purpose;
the categories of third parties to whom the personal information was sold,shared, or disclosed for a business purpose;
the business or commercial purpose for collecting, selling, or sharing personalinformation; and
the specific pieces of personal information we collected about you.
In accordance with applicable law, we are not obligated to provide or deleteconsumer information that is de-identified in response to a consumer request orto re-identify individual data to verify a consumer request.
Right to Non-Discrimination for the Exercise of a Consumer’s Privacy Rights
We will not discriminate against you if you exercise your privacy rights.
Right to Limit Use and Disclosure of Sensitive Personal Information
We do not process consumer's sensitive personal information.
Verification process
Upon receiving your request, we will need to verify your identity to determineyou are the same person about whom we have the information in our system. Theseverification efforts require us to ask you to provide information so that wecan match it with information you have previously provided us. For instance,depending on the type of request you submit, we may ask you to provide certaininformation so that we can match the information you provide with theinformation we already have on file, or we may contact you through a communicationmethod (e.g. phone or email) that you have previously provided to us. We mayalso use other verification methods as the circumstances dictate.
We will only use personal information provided in your request to verify youridentity or authority to make the request. To the extent possible, we willavoid requesting additional information from you for the purposes ofverification. However, if we cannot verify your identity from the informationalready maintained by us, we may request that you provide additionalinformation for the purposes of verifying your identity and for security orfraud-prevention purposes. We will delete such additionally providedinformation as soon as we finish verifying you.
Other privacy rights
You may object to the processing of your personal information.
You may request correction of your personal data if it is incorrect or nolonger relevant, or ask to restrict the processing of the information.
You can designate an authorised agent to make a request under the CCPA on yourbehalf. We may deny a request from an authorised agent that does not submitproof that they have been validly authorised to act on your behalf inaccordance with the CCPA.
You may request to opt out from future selling or sharing of your personalinformation to third parties. Upon receiving an opt-out request, we will actupon the request as soon as feasibly possible, but no later than fifteen (15)days from the date of the request submission.
To exercise these rights, you can contact us by email at info@Financee.io, orby referring to the contact details at the bottom of this document. If you havea complaint about how we handle your data, we would like to hear from you.
13. DO WE MAKE UPDATES TO THIS NOTICE?
In Short: Yes, we will update this notice as necessary to stay compliant withrelevant laws.
We may update this privacy notice from time to time. The updated version willbe indicated by an updated 'Revised' date and the updated version will beeffective as soon as it is accessible. If we make material changes to thisprivacy notice, we may notify you either by prominently posting a notice ofsuch changes or by directly sending you a notification. We encourage you to reviewthis privacy notice frequently to be informed of how we are protecting yourinformation.
14. HOW CAN YOU CONTACT US ABOUT THIS NOTICE?
If you have questions or comments about this notice, you may email us at info@Financee.io
15. HOW CAN YOU REVIEW, UPDATE, OR DELETE THE DATA WE COLLECT FROM YOU?
Based on the applicable laws of your country, you may have the right to requestaccess to the personal information we collect from you, change thatinformation, or delete it. To request to review, update, or delete yourpersonal information, please visit: Financee.io
