Privacy Policy

Version 1.0
Last Modified: 1/1/2023

This Privacy Policy applies to your use of moneyswell.com and all related apps and services (the “Services”). This Privacy Policy is effective as of the Last Modified date above.

All references to “us” and similar words such as “we” and “our” (even if not capitalized) mean MoneySwell LLC, a Colorado limited liability company. All references to “you” and similar words such as “your” (even if not capitalized) mean the individual using the Services, and if you are using the Services on behalf of a business entity, it means both you and that business.

By using the Services, you are agreeing to this Privacy Policy. If you are using the Services on behalf of a business entity, then you represent that you are authorized to use the Services on behalf of that business and you are agreeing to this Privacy Policy on behalf of both you and that business.

If you do not agree to this Privacy Policy, then you may not use the Services.

Terms of Service

Our Terms of Service are available at moneyswell.com/terms-of-service (the “Terms of Service”). The Terms of Service applies to your use of the Services.

Information We Collect

Anonymous Data

If you use the Services, then we may collect Anonymous Data from you. “Anonymous Data” means information which is not personal in nature, and which does not identify you as a specific individual or business.

Personal Data

If you use the Services, then we may collect Personal Data from you. “Personal Data” means the following types of information:

  • Basic Information: Your name, business name, address, email address, phone number, photos, videos, and similar types of information.
  • Account Information: Usernames, passwords, security questions, and similar types of information.
  • Payment Information: Payment information including credit/debit card numbers, account numbers, and similar types of information.
  • Financial Information: Information related to balances in your financial accounts, but only to the extent you manually input the same, or sync another account which you control to your account in the Services.
  • Social Media Account Information: If you use an account on a third-party social media platform to access or use the Services, then we may collect personally identifiable information provided to us by that third-party social media platform.
  • Information We Collect Automatically: We may collect information about you automatically, including your IP address, operating system, browser ID, browsing activity, time stamps, site navigation, button clicks, and similar types of information. We may also use and/or collect cookies and other types of data files (such as web beacons and cookie-equivalent technology), some of which may be stored on your computer or electronic device for use when you use the Services.

Your Content

We may collect Your Content if you submit it to us through the Services or through another communication channel. “Your Content” has the meaning assigned to it in our Terms of Service (and generally means content such as text, photos, videos, etc.).

Sensitive Personal Data

We do not intend to collect Sensitive Personal Data and you should not submit Sensitive Personal Data to us. “Sensitive Personal Data” means information which is more sensitive and private than the types of information described above.

How We Use Your Information

Aggregated Data

We may aggregate your Personal Data with information we have about other users, individuals, and business, for the purpose of converting it into Anonymous Data. Once converted into Anonymous Data, we may use that Anonymous Data as provided in this Privacy Policy.

Anonymous Data

We may use Anonymous Data for any purpose not otherwise prohibited by applicable law, without your consent, without providing notice to you, and without providing compensation to you, including sharing and selling Anonymous Data to third parties.

Personal Data

We will not sell your Personal Data to third parties without your express consent.

We will not share your Personal Data except as described in this Privacy Policy. We may use and share your Personal Data as follows:

  • Provision and Customization of Services: We may use your Personal Data to provide the Services to you for their intended purposes, as well as to customize and/or enhance your use of the Services.
  • Advertising: We may use your Personal Data to serve more customized ads to you.
  • Communications: We may use your Personal Data to send communications to you, including marketing communications (unless you opt-out).
  • Payments: If you purchase goods or services through the Services, then we may use your Personal Data to process your purchase and payment. This includes sharing your Personal Data with third party payments processors for the purpose of processing your payments.
  • Sharing with Affiliates & Third Parties: We may share your Personal Data with our affiliates and other third parties to accomplish the purposes outlined in this Privacy Policy and in our Terms of Service. 
  • Retention: We may store and retain your Personal Data for purposes of using it as described in this Privacy Policy.
  • Per our Terms of Service: We may use your Personal Data as provided in our Terms of Service and the other policies referenced in those Terms of Service.

Your Content

If you submit Your Content to use, then we may use and delete Your Content (a) as described in our Terms of Service and the other policies referenced in those Terms of Service, (b) to provide the Services to you for their intended purposes, and (c) in any way which we may use or delete your Personal Data as outlined in this Privacy Policy (subject to any privacy settings chosen by you (if available)).

Improvements to the Services

If you share ideas or suggestions with us regarding improving or modifying the Services, then we may use all the same without your consent, without providing notice to you, and without providing compensation to you.

Compliance with Legal Process

We may use and share your Personal Data as follows: (a) to comply with court orders, valid discovery requests, valid subpoenas, and other appropriate legal mechanisms, (b) to respond to lawful requests by public authorities, including to meet national security or law enforcement requirements, (c) to prosecute and defend a court, arbitration, or similar legal proceeding, (d) with our representatives and advisors, including attorneys and accountants, and (e) if we have a good faith belief that disclosure is necessary to enforce our Terms of Service or any policies referenced in our Terms of Service or to investigate or prevent illegal or immoral actions.

Data Retention & Deletion

We do not have any obligation to store your Personal Data for your benefit of for the benefit of any third party. We may delete all or parts of your Personal Data at any time, for any reason, without notice to you. 

If you terminate your account or your use of the Services, or if we terminate your account or license to use the Services, pursuant to our Terms of Service, then we may retain your Personal Data for a reasonable period for regulatory and compliance purposes.

You may request that we delete your Personal Data from the Services, but except as required in this Privacy Policy, we do not have any obligation to honor that request. 

Cookies & Tracking Data

You may restrict our ability to use cookies and certain other types of data files by adjusting the settings on your device or browser. However, please note that if you create such restrictions, all or parts of the Services may not operate as intended (or at all).

Social Media Account Information

The only way for you to control what information third-party social media platforms share with us is to adjust your settings in those platforms. We disclaim all liability resulting from those platforms’ unauthorized disclosure to us of any information which you requested the platforms not share with us.

Rights Under the European Union’s General Data Protection Regulation (GDPR)

If you are a “Data Subject” under the GDPR, then in addition to the rights outlined elsewhere in this Privacy Policy, you have the rights outlined in this section. If you have questions about any of these rights or if you would like to exercise any of these rights, please contact us using the contact information below. Also, please note that certain portions of the Services will not work for you unless you provide us with your Personal Data.

  • You have the right to be informed about what data we collect and how we use it.
  • You have the right to request access to your Personal Data.
  • You have the right to have us rectify your Personal Data if it is inaccurate or incomplete.
  • You have the right to have us erase, remove, or delete, your Personal Data.
  • You have the right to restrict our processing of your Personal Data as provided in the GDPR.
  • You have the right to data portability with respect to your Personal Data.
  • You have the right to object to certain uses of your Personal Data as provided in the GDPR.
  • You have the right to lodge a complaint with a supervisory authority that has jurisdiction over issues related to the GDPR.
  • To the extent you provided consent to our processing of your Personal Data, you have the right to withdraw that consent at any time. However, such withdrawal will not be effective with respect to lawful processing based upon consent that occurred prior to your withdrawal. (We require only the information that is reasonably required to enter a contract with you. We will not require you to provide consent for any unnecessary processing as a condition of entering a contract with us.)
  • We will only retain your Personal Data for as long as necessary for the purposes outlined in this Privacy Policy and our Terms of Service.

Security

We use reasonable efforts to protect your information, especially your personally identifiable information and payment information. However, since the Internet is not a 100% secure environment, we cannot ensure or warrant the security of any information you transmit to us. Further, it is your responsibility to protect the security of your account credentials.

Power to Amend This Privacy Policy

We may amend this Privacy Policy at any time, for any reason, with or without notice to you, and your continued use of the Services after the amended Privacy Policy is posted on the Services will constitute your acknowledgment and agreement to the amended Privacy Policy. However, to the extent the amended Privacy Policy materially alters your rights or obligations in this Privacy Policy, the amended Privacy Policy will become effective upon the earlier of (a) your continued use of the Services with actual knowledge of the amended Privacy Policy, or (b) 30 days after the amended Privacy Policy is posted on the Services.

Contact

If you have any questions or comments about this Privacy Policy, how we collect and use your information, or your choices and rights regarding the same, then you may contact us at contact@moneyswell.com.