PRIVACY NOTICE
Last updated December 23, 2022
This privacy notice for Money Optimist (
-
Visit our website
at moneyoptimist.com , or any website of ours that links to this 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 understand your privacy rights and choices.
If you do not agree with our policies and practices, please do
not use our Services. If you still have any questions or
concerns, please contact us at jansenkp@gmail.com .
SUMMARY OF KEY POINTS
This summary provides key points from our privacy notice, but
you can find out more details about any of these topics by
clicking the link following each key point or by using our
table of contents below to find the section you are looking
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 our Services, we may process personal information
depending on how you interact with Money Optimist
Do we process any sensitive personal information?
Do we receive any information 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 and fraud prevention, and to comply with law.
We may also process your information for other purposes with your consent.
We process your information only when we have a valid legal reason
to do so. Click
here
to learn more.
In what situations and with which
What are your rights? Depending on where you are
located geographically, the applicable privacy law may mean you have
certain rights regarding your personal information. Click
here
to learn more.
How do you exercise your rights? The easiest way
to exercise your rights is by filling out our data subject request
form available
Want to learn more about what Money Optimist
TABLE OF CONTENTS
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 you
Personal Information Provided by You. The personal
information that we collect depends on the context of your interactions
with us and the Services, the choices you make, and the products
and features you use. The personal information we collect may include
the following:
-
names
-
email addresses
-
usernames
Sensitive Information.
All personal information that you provide to us must be true,
complete, and accurate, 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/or browser and device characteristics
— is collected automatically when you visit our
Services.
We automatically collect certain information when you visit,
use, or navigate the Services. This information does not reveal
your specific identity (like your 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, information about how and when you use our Services,
and other technical information. This information is primarily
needed to maintain the security and operation of our Services,
and for our internal analytics and reporting purposes.
Like many businesses, we also collect information through
cookies and similar technologies.
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 access or use our Services and which we record
in log files. Depending on how you interact with us, this log data
may include your IP address, device information, browser type,
and settings and information about your activity in the Services
(such as the date/time stamps associated with your
usage, pages and files viewed, searches, and other actions you
take such as which features you 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 the device 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.
2. HOW DO WE PROCESS YOUR INFORMATION?
In Short:We process your information to provide, improve,
and administer our Services, communicate with you,
for security and fraud prevention, and to comply
with law. We may also process your information for
other purposes with your consent.
We process your personal information for a variety of
reasons, depending on how you interact with our Services,
including:
-
To facilitate account creation and authentication and
otherwise manage user accounts.
We may process your information so you can create
and log in to your account, as well as keep your account in
working order.
-
To save or
protect an
individual's
vital interest. We may process your
information 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 is
necessary and we
have a valid legal
reason (i.e.
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 explain the
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 personal
information:
-
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 can withdraw your consent at any time. Click here to learn more.
-
Legal
Obligations. We may process
your information
where we believe
it is necessary for
compliance with our
legal obligations,
such as to cooperate
with a law enforcement
body or regulatory
agency, exercise
or defend our legal
rights, or disclose
your information
as evidence in litigation
in which we are involved.
-
Vital
Interests. We may process
your information
where we believe
it is necessary to
protect your vital
interests or the
vital interests of
a third party, such
as situations involving
potential threats
to the safety of
any person.
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.
In some
exceptional cases,
we may be legally
permitted under
applicable law to
process your
information
without your
consent,
including, for
example:
- If collection is clearly in the interests of an individual and consent cannot be 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 to
assess, process,
or settle an
insurance claim
-
For identifying
injured, ill, or
deceased persons
and
communicating
with next of kin
-
If we have
reasonable
grounds to
believe an
individual has
been, is, or may
be victim of
financial abuse
-
If it is
reasonable to
expect
collection and
use with consent
would compromise
the availability
or the accuracy
of the
information and
the collection
is reasonable
for purposes
related to
investigating a
breach of an
agreement or a
contravention of
the laws of
Canada or a
province
-
If disclosure
is required to
comply with a
subpoena,
warrant, court
order, or rules
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 for
which 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
In Short:
We may share
information in
specific
situations
described in
this section
and/or with
the following
categories
of
Vendors,
Consultants, and
Other
Third-Party
Service
Providers. We may share your
data with third-party
vendors, service providers,
contractors, or agents
(
organization
-
Data Analytics Services
We
- Business Transfers. We may share or transfer your information in connection with, or during negotiations of, any merger, sale of company assets, financing, or acquisition of all or a portion of our business to another company.
In
Short:
We
may
use
cookies
and
other
tracking
technologies
to
collect
and
store
your
information.
We
may
use
cookies
and
similar
tracking
technologies
(like
web
beacons
and
pixels)
to
access
or
store
information.
Specific
information
about
how we
use
such
technologies
and
how
you
can
refuse
certain
cookies
is set
out in
our
Cookie
Notice
.
6.
HOW
LONG
DO
WE
KEEP
YOUR
INFORMATION?
In
Short:
We
keep
your
information
for
as
long
as
necessary
to
fulfill
the purposes
outlined
in this
privacy
notice
unless
otherwise
required
by law.
We
will
only
keep
your
personal
information
for as
long
as it
is
necessary
for
the
purposes
set
out in
this
privacy
notice,
unless
a
longer
retention
period
is
required
or
permitted
by law
(such
as
tax,
accounting,
or
other
legal
requirements).
No purpose
in this
notice
will require
us keeping
your personal
information
for longer
than
the
period
of
time
in
which
users
have
an
account
with
us
.
When
we
have
no
ongoing
legitimate
business
need
to
process
your
personal
information,
we
will
either
delete
or
anonymize
such information,
or, if
this is
not possible
(for example,
because
your personal
information
has been
stored
in backup
archives),
then we
will securely
store your
personal
information
and isolate
it from
any further
processing
until deletion
is possible.
7.
DO
WE
COLLECT
INFORMATION
FROM
MINORS?
In
Short:
We
do
not
knowingly
collect
data
from
or
market
to
children
under
18
years
of
age
.
We do
not
knowingly
solicit
data
from
or
market
to
children
under
18
years
of
age.
By
using
the
Services,
you
represent
that
you
are at
least
18 or
that
you
are
the
parent
or
guardian
of
such a
minor
and
consent
to
such
minor
dependent's
use of
the
Services.
If we
learn
that
personal
information
from
users
less
than
18
years
of age
has
been
collected,
we
will
deactivate
the
account
and
take
reasonable
measures
to
promptly
delete
such
data
from
our
records.
If you
become
aware
of any
data
we may
have
collected
from
children
under
age
18,
please
contact
us at
jansenkp@gmail.com
.
8.
WHAT
ARE
YOUR
PRIVACY
RIGHTS?
In
Short:
In
some
regions,
such
as
the
European
Economic
Area
(EEA),
United
Kingdom
(UK),
and
Canada
,
you
have
rights
that
allow
you
greater
access
to
and
control
over
your
personal
information.
You
may
review,
change,
or
terminate
your
account
at
any
time.
In
some
regions
(like
the
EEA,
UK,
and
Canada
),
you
have
certain
rights
under
applicable
data
protection
laws.
These
may
include
the
right
(i) to
request
access
and
obtain
a copy
of
your
personal
information,
(ii)
to
request
rectification
or
erasure;
(iii)
to
restrict
the
processing
of
your
personal
information;
and
(iv)
if
applicable,
to
data
portability.
In
certain
circumstances,
you
may
also
have
the
right
to
object
to the
processing
of
your
personal
information.
You
can
make
such a
request
by
contacting
us by
using
the
contact
details
provided
in the
section
"
HOW
CAN
YOU
CONTACT
US
ABOUT
THIS
NOTICE?
"
below.
We
will
consider
and
act
upon
any
request
in
accordance
with
applicable
data
protection
laws.
If
you
are
located
in the
EEA or
UK and
you
believe
we are
unlawfully
processing
your
personal
information,
you
also
have
the
right
to
complain
to
your
local
data
protection
supervisory
authority.
You
can
find
their
contact
details
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
protection
authorities
are
available
here: https://www.edoeb.admin.ch/edoeb/en/home.html
.
Withdrawing
your
consent:
If we are
relying
on your
consent
to process
your personal
information,
which may
be express
and/or
implied
consent
depending
on the
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 contact
details
provided
in the
section
"
HOW
CAN
YOU
CONTACT
US
ABOUT
THIS
NOTICE?
"
below
.
However,
please
note
that
this
will not
affect
the
lawfulness
of the
processing
before
its
withdrawal
nor,
Opting
out
of
marketing
and
promotional
communications:
You
can
unsubscribe
from our
marketing
and
promotional
communications
at any
time by
"
"
Account
Information
If you
would at
any time
like to
review
or
change
the
information
in your
account
or
terminate
your
account,
you can:
-
Contact us using the contact information provided.
Upon
your
request
to
terminate
your
account,
we will
deactivate
or
delete
your
account
and
information
from our
active
databases.
However,
we may
retain
some
information
in our
files to
prevent
fraud,
troubleshoot
problems,
assist
with any
investigations,
enforce
our
legal
terms
and/or
comply
with
applicable
legal
requirements.
Cookies
and
similar
technologies:
Most Web
browsers
are set
to accept
cookies
by default.
If you
prefer,
you can
usually
choose
to set
your browser
to remove
cookies
and to
reject
cookies.
If you
choose
to remove
cookies
or reject
cookies,
this could
affect
certain
features
or services
of our
Services.
To opt
out of
interest-based
advertising
by advertisers
on our
Services
visit http://www.aboutads.info/choices/
.
If you
have
questions
or
comments
about
your
privacy
rights,
you may
email us
at jansenkp@gmail.com .
9.
CONTROLS
FOR
DO-NOT-TRACK
FEATURES
Most
web
browsers
and
some
mobile
operating
systems
and
mobile
applications
include
a
Do-Not-Track
(
"DNT"
)
feature
or
setting
you
can
activate
to
signal
your
privacy
preference
not to
have
data
about
your
online
browsing
activities
monitored
and
collected.
At
this
stage
no
uniform
technology
standard
for
recognizing
and implementing
DNT signals
has been
finalized
.
As
such,
we do
not
currently
respond
to DNT
browser
signals
or any
other
mechanism
that
automatically
communicates
your
choice
not to
be
tracked
online.
If a
standard
for
online
tracking
is
adopted
that
we
must
follow
in the
future,
we
will
inform
you
about
that
practice
in a
revised
version
of
this
privacy
notice.
10.
DO
CALIFORNIA
RESIDENTS
HAVE
SPECIFIC
PRIVACY
RIGHTS?
In
Short:
Yes,
if
you
are
a
resident
of
California,
you
are
granted
specific
rights
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 personal
information
(if any)
we disclosed
to third
parties
for direct
marketing
purposes
and the
names and
addresses
of all
third parties
with which
we shared
personal
information
in the
immediately
preceding
calendar
year. If
you are
a California
resident
and would
like to
make such
a request,
please
submit
your request
in writing
to us using
the contact
information
provided
below.
If
you
are
under
18
years
of
age,
reside
in
California,
and
have a
registered
account
with
Services,
you
have
the
right
to
request
removal
of
unwanted
data
that
you
publicly
post
on the
Services.
To
request
removal
of
such
data,
please
contact
us
using
the
contact
information
provided
below
and
include
the
email
address
associated
with
your
account
and a
statement
that
you
reside
in
California.
We
will
make
sure
the
data
is not
publicly
displayed
on the
Services,
but
please
be
aware
that
the
data
may
not be
completely
or
comprehensively
removed
from
all
our
systems
(e.g.
,
backups,
etc.).
11.
DO
WE
MAKE
UPDATES
TO
THIS
NOTICE?
In
Short:
Yes,
we
will
update
this
notice
as
necessary
to
stay
compliant
with
relevant
laws.
We
may
update
this
privacy
notice
from
time
to
time.
The
updated
version
will
be
indicated
by an
updated
"Revised"
date and
the updated
version
will be
effective
as soon
as it is
accessible.
If we make
material
changes
to this
privacy
notice,
we may
notify
you either
by prominently
posting
a notice
of such
changes
or by directly
sending
you a notification.
We encourage
you to
review
this privacy
notice
frequently
to be informed
of how
we are
protecting
your information.
12.
HOW
CAN
YOU
CONTACT
US
ABOUT
THIS
NOTICE?
If
you
have
questions
or
comments
about
this
notice,
you
may
email
us
at jansenkp@gmail.com
or
by
post
to:
13.
HOW
CAN
YOU
REVIEW,
UPDATE,
OR
DELETE
THE
DATA
WE
COLLECT
FROM
YOU?
This privacy
policy was
created using
Termly's Privacy
Policy
Generator.