This Privacy Policy describes how SavvyMoney, Inc. ("SavvyMoney", "we", "us") collects, uses and discloses the information that is collected through Your use of the website located at www.savvymoney.com, including all subdomains thereof (the "Website") and any materials, publications and emails provided to You in conjunction with the Website (collectively, the "Program"). Portions or functionality contained on the Website may be available to You through the mobile app or other internet properties ("App") provided by Your Financial Institution (defined below). This Privacy Policy also describes the choices available to You regarding our use of Your personal information and how You can access, update and request deletion of such information. Capitalized terms that are not defined in this Privacy Policy have the meaning given to them in the Terms of Service.

By accessing and using the Website (directly or through an App) and/or Program, You agree to the terms and conditions of this Privacy Policy. If You do not agree to the terms and conditions of this Privacy Policy, please do not access or use the Website or Program, nor provide any information to us. We may update this Privacy Policy to reflect changes to our information practices. If we make any substantial changes, we will notify You by email (sent to the e-mail address specified in Your account) or by posting a revised version of this Privacy Policy on the Website. You can determine when this Privacy Policy was last revised by referring to the "Date of Revision" at the top of this Privacy Policy. Your continued access or use of the Website (directly or through an App) and/or Program after any changes to this Privacy Policy have been posted shall constitute Your agreement and consent to such changes. Please return to this page periodically to ensure familiarity with the most current version of this Privacy Policy.

If You have an unresolved privacy or data use concern that we have not addressed satisfactorily, please contact our U.S.-based third party dispute resolution provider (free of charge) at https://feedback-form.truste.com/watchdog/request.

Collection and Use  | Information Sharing  | Tracking Technologies  | Security  | Additional Info  | Contact Info

Collection and Use of Personal Information

Personal Information We Collect

We collect certain information that identifies You or can be used to identify You ("Personal Information") through Your use of the Website and/or Program. If You register with us through Your credit union, bank or other financial institution ("Financial Institution"), we may receive certain Personal Information about You from both You and Your Financial Institution. If You authorize us to obtain Your credit report from one or more credit reporting agencies on Your behalf, we may receive certain Personal Information about You from such credit reporting agencies. Personal Information includes the following categories of information:

• Name
• Email address
• Postal address
• Telephone number
• Date of birth
• Social security number
• Information provided by You to authenticate Your identity
• Username and password to access the Website
• Information about Your usage of the Website and Program, including the dates on which You retrieved information contained on Your credit report
• Credit information, such as Your credit risk score, number of open and closed credit accounts, payment history and other information contained in Your credit report

We collect Personal Information from the following sources: (a) directly from You through Your use of and interactions with the Website and Program; (b) from Your Financial Institution, and (c) after You register with us, from one or more credit reporting agencies.

Use of Personal Information

We may use Your Personal Information to:

• Create an account with us and administer Your account.
• Fulfill Your requests, respond to Your inquiries, provide the features You enroll for on the Website and in the Program, and/or complete transactions You have requested.
• Retrieve Your credit report on an ongoing basis and monitor Your credit.
• Send You requested product or service information or to inform You of products or services that we believe You may be interested in.
• Display content based on Your interests.
• Send You important information regarding the Website and/or Program, changes to our terms, conditions, and policies and/or other administrative information. Because this information may be important, You may not opt out of receiving such communications.
• For our internal business purposes, such as data analysis, audits, developing new products or services, enhancing and improving the Website and the Program, identifying usage trends and determining the effectiveness of features, offers and promotional campaigns.
• As we believe to be required, necessary or appropriate: (a) in any manner permitted under applicable law, including laws outside Your country of residence; (b) to comply with legal process; (c) to respond to lawful requests by public authorities (which includes public authorities outside Your country of residence), including to meet national security or law enforcement requirements; (d) to enforce our terms of service; (e) to protect our operations, business and systems; (f) to protect our rights, privacy, safety or property, and/or that of other users of the Website and Program, including You; and (g) to allow us to pursue available remedies or limit the damages that we may sustain.

Choice/Opt-Out of Marketing Communications

You may choose to stop receiving marketing emails and communications from SavvyMoney by following the unsubscribe instructions included in such emails or communications, or You can contact us at our contact information at the end of this Privacy Policy.

Information Sharing

We share Your Personal Information with third parties only in the ways that are described in this Privacy Policy. We do not sell Your Personal Information to third parties.

We may share Your Personal Information with third parties who are our agents or who provide services to us to help us with our business activities and in providing the Website and Program to You, such as website hosting, data analysis, email delivery services, credit reporting and customer service. These third parties are authorized to use Your Personal Information only as necessary to enable them to provide services to us or act as our agents in performing the activities that we are permitted to conduct under the Terms of Service and this Privacy Policy. The categories of Your Personal Information that we may share with such third parties include Your name, Your email address, Your postal address, Your date of birth and Your social security number. In the case of obtaining Your credit report, we may need to share other information about You in order to authenticate Your identity.

In addition, if You registered with us through Your Financial Institution or if Your Financial Institution has sponsored Your registration with us, we may share the following information with Your Financial Institution: (a) Your contact information (which includes Your name, username, email address and postal address), (b) whether You appear to qualify for credit offers made available by Your Financial Institution, (c) based on Your most-recent credit report, whether You appear to meet certain credit thresholds or criteria; and (d) information about Your usage of the Website and/or Program. You may opt out of receiving offers from Your Financial Institution based on Your Personal Information provided by us by contacting us at our contact information at the end of this Privacy Policy. Please allow up to 30 days for us to implement Your opt out request for offers from Your Financial Institution. For purposes of clarity, if You also wish to opt out of receiving emails and other communications from Your Financial Institution (which are not based on Your Personal Information provided by us to Your Financial Institution), You must do so in compliance with the terms, conditions and privacy policy governing Your account with Your Financial Institution. Please note that You may not opt out of viewing certain offers that appear on Your screen when You are logged into Your on-line banking account with Your Financial Institution based on Your Personal Information provided by us. Please note that if the Website or the Program are no longer being offered through Your Financial Institution, Your Financial Institution may notify You of such fact, even if You have opted out of receiving communications regarding credit offers that You appear to qualify for. Also, we may share Your Personal Information, on a case by case basis, only when You request for Your Financial Institution or other third party to follow up with You about Your income, debt and spending or to otherwise contact You regarding credit offers and other promotions for which You may be eligible. It is important to understand that this Privacy Policy only governs our collection, use and disclosure of Your Personal Information, and that the collection, use and disclosure of Your Personal Information by Your Financial Institution or any other third party that You authorize to receive Your Personal Information is governed by that third party's privacy policy.

We may also disclose Your Personal Information:

• as required by law, such as to comply with a subpoena or similar legal process.
• to respond to lawful requests by public authorities (which includes public authorities outside Your country of residence).
• to protect our rights, privacy, safety or property, and/or that of other users of the Website and Program, including You
• To an affiliate or other third party in the event of any reorganization, merger, sale, joint venture, assignment, transfer or other disposition of all or any portion of our business, assets or stock (including without limitation in connection with any bankruptcy or similar proceedings) (each, a "Transaction"). If we are involved in a Transaction and a third party receives Your Personal Information as a result, You will be notified via email and/or a prominent notice on our Website of any change in ownership or uses of Your Personal Information, as well as any choices You may have regarding Your Personal Information.
• to any other third party with Your prior consent to do so.

Non-personal Information

Any information that we collect from or about You that is not Personal Information may be used and shared in any manner without restriction. When we combine information about You which is not Personal Information with Personal Information, we treat it like Personal Information for as long as it is combined with Your Personal Information.

Do Not Track Signals and Behavioral Tracking

We do not honor "do not track" requests or signals and we do permit third party behavioral tracking.

Cookies and Other Tracking Technologies

Technologies such as cookies or similar technologies are used by us and our marketing partners' affiliates, or analytics or service providers (e.g. Google Analytics). These technologies are used in analyzing trends, administering the Website, tracking users' movements around the Website and to gather demographic information about our user base as a whole. We may receive reports based on the use of these technologies by these companies on an individual as well as aggregated basis.

We use cookies for remembering Your user settings and to customize Your experience. Users can control the use of cookies at the individual browser level. If You reject cookies, You may still use our Website, but Your ability to use some features or areas of our Website may be limited.

Log files

As is true of most websites, we gather certain information automatically and store it in log files. This information may include IP addresses, browser type, internet service provider, referring/exit pages, operating system, date/time stamp, and/or clickstream data. We may automatically combine this type of collected log information with other information we collect about You. We do this to improve the Website and Program, to analyze and understand usage, and to administer the Website and Program.

Behavioral Targeting/Re-Targeting

We do not partner with third parties to either display advertising on our website or to manage our advertising on other sites.

Security

We use generally accepted physical, administrative, and technical safeguards to preserve the integrity and security of Your Personal Information. Such safeguards include using secure socket layers (SSL) and encryption both during transmission of Your Sensitive Information (such as Your address, date of birth, and Social Security Number) and once we receive Your Personal Information. Unfortunately, no data transmission over the Internet or data storage system can be guaranteed to be 100% secure. Therefore, we cannot ensure or warrant the absolute security of any information You transmit to, authorize us to obtain on Your behalf, or receive from us or guarantee that Your information may not be accessed, disclosed, altered, or destroyed by breach of any of our physical, administrative and/or technical safeguards. Additionally, we will not be responsible or liable to You for third party circumvention of our security measures. If You have reason to believe that Your interaction with us is no longer secure (for example, if You feel that the security of any account You might have with us has been compromised), You must immediately notify us of the problem by contacting us at our contact information at the end of this Privacy Policy.

Additional Policy Information

California Consumer Privacy Act

We comply with the requirements of the California Consumer Privacy Act (the "CCPA") as it applies to users of the Website and the Program who reside in California. To exercise any of Your rights under the CCPA, please contact us at our contact information at the end of this Privacy Policy.

Under the CCPA, we will disclose to You the specific items of Personal Information we have collected, the purpose of our collection, and whether Your Personal Information has been disclosed to third parties. Additionally, under the CCPA, You may request that we provide the categories and specific items of any Personal Information that we have collected or shared during the prior twelve (12) months and the categories of third parties with whom we have shared Your Personal Information.

Under the CCPA, as a California resident, You have the right to request SavvyMoney to not share Your Personal Information with one or more third parties. You may do so only by canceling Your account with us, at which point we will no longer share Your Personal Information with third parties. Upon cancelation of Your account, You will no longer have the ability to access the member-only features of the Website and the Program.

Under the CCPA, as a California resident, You have a right to be free from discrimination as a result of exercising any of the rights afforded to California residents under the CCPA. If You choose to exercise such rights, we will not deny You the ability to use the Website and Program (or suggest that we might do so), charge You or Your Financial Institution a different rate for the Website and Program (or suggest that we might do so) or change the quality of the Website and Program pertaining to You. The only exceptions are if You wish to delete any or all of Your Personal Information or if You wish for SavvyMoney not to share Your Personal Information with third parties, in which case You may do so only by canceling Your account with us at which point You will no longer have the ability to access the member-only features of the Website and the Program.

Accessing, Correcting, Updating and Deleting Your Personal Information

Upon request, SavvyMoney will provide You with information about whether we hold any of Your Personal Information.

To access, correct or update Your Personal Information or to ensure it is accurate, contact us at our contact information at the end of this Privacy Policy. If You wish for us to delete any or all of Your Personal Information, You must cancel Your account with us by contacting us at our contact information at the end of this Privacy Policy. We will respond to Your request within a reasonable timeframe. In order to comply with any of Your requests pertaining to Your Personal Information, we will first need to authenticate Your identity and thereafter we will try to comply with Your request as soon as and to the extent reasonably practicable. Please note that we cannot remove Your Personal Information from the database of third parties who were previously authorized to receive such information.

Retention Period

We will retain Your Personal Information for the period necessary to fulfill the purposes outlined in this Privacy Policy as well as may be necessary comply with our legal obligations, resolve disputes, and enforce our agreements, all in accordance with applicable law.

Links to Other Websites or Internet Properties

Our Website includes links to other websites or other internet properties whose privacy practices may differ from those of SavvyMoney. If You submit Personal Information to any of those websites, Your information is governed by their privacy policies. We encourage You to carefully read the privacy policy of any website You visit.

Testimonials

We display personal testimonials of satisfied customers on our Website in addition to other endorsements. With Your consent we may post Your testimonial along with Your name. If You wish to update or delete Your testimonial, You can contact us at [email protected].

Social Media Features and Widgets

Our Website includes social media features, such as the Facebook Share button and widgets, such as the "share this" button or interactive mini-programs that run on our Website. These features may collect Your IP address, which page You are visiting on our Website, and may set a cookie to enable the feature to function properly. Social media features and widgets are either hosted by a third party or hosted directly on our Website. Your interactions with these features are governed by the privacy policy of the party providing such feature.

Children's Privacy

Protecting the privacy of Young children is especially important to us. The Website and Program are not directed to individuals under the age of thirteen (13), and we request that these individuals do not provide any Personal Information to us. We do not knowingly collect Personal Information from anyone under the age of thirteen (13). If we become aware that we have collected Personal Information from anyone under the age of thirteen (13), we will take steps to remove that information.

Jurisdictional Issues

We do not represent or warrant that the Website or Program, or any part thereof, is appropriate or available for use in any particular jurisdiction. Those who choose to access the Website and Program do so on their own initiative and at their own risk, and are responsible for complying with all local laws, rules and regulations.

Contact Information

You can contact us about this Privacy Policy: