Spendbot servers are located in the United States, and matters related to this policy are governed by the laws of the state of Illinois.
We use and disclose your personal information only as follows:
We do not and will not transfer your personal information to any other party, for any reason, at any time, unless you specifically authorize us to do so for the purposes of making payments, obtaining and using a debit or pre-paid card, or saving money per your Spend Plan. Prior to the transfer of any information we will request and require you to authorize each specific transfer to any banking, payments, or savings partner.
Spendbot may collect the following categories of personal information about you through the website:
If you use our mobile application we may collect the IP address, unique identifier of the device, operating system version, time, location, and app version for the purpose of providing you with our services.
We may use the information you provide about yourself and about your Third Party Sites to fulfill your requests for our products, programs, and Services, to respond to your inquiries about our Services, and to offer you other products, programs, or services that we believe may be of interest to you.
In order to allow you to use certain Services, we may be required to verify your identity through telephone or in person contact. We may also use your information to verify your identity in the event you contact us for assistance with the website or Services.
In connection with the payment services, we may use information you provide on your funding accounts to complete transactions you request via the services, to verify the existence and condition of your funding accounts, or to assist with the posting of a payment with a payee. We may use information you provide regarding a payee if you ask us to assist with posting of a payment at such payee.
We may use your information to pre-fill form fields on the website for your convenience.
We may use the checking account and credit card information you provide to confirm your accounts are valid and to access funds from your accounts pursuant to your instructions in connection with our services or in connection with payment for Services that you subscribe to.
We may use the information you provide to make bill payments on your behalf if you participate in our services. For example, if you use our services, we will use the information you provide us regarding a third party that you receive bills from to verify the validity of your account with that biller and to route payments to that biller pursuant to your instructions, and we will use your payment account details to access the funds in your specified payment account in order to pay the bills that you request be paid to such biller.
We may use your payment account information to recommend the best payment source. For example, we may recommend that you use a specific credit card to pay a given bill because that card has the lowest APR.
We may use information you provide about Third Party website to provide the Services, which may include accessing the Third Party Sites you select on your behalf, so that we can present the requested information to you.
In certain situations, we may use or share your personal information:
We may use your information for internal analysis such as analyzing user behavior in aggregate for research and marketing purposes. Spendbot may also aggregate transaction data and disclose such data only in aggregate and in a non-personally identifiable manner to third parties for marketing and promotional purposes (e.g., how many users responded to a particular offer). Aggregated information does not identify you individually.
When you visit our website, we may collect technical and navigational information, such as computer browser type, Internet protocol address, pages visited, and average time spent on our Site. This information may be used, for example, to alert you to software compatibility issues, or it may be analyzed to improve our web design and functionality.
When you use the mobile versions of our website, we may collect the Device ID assigned to that specific device by phone makers, carriers, or makers of the operating system. Device IDs allow us to uniquely identify your device for purposes of storing application preferences and other data. We may use your Device ID for security purposes, to monitor suspicious activity, or to determine appropriate advertisements to display to you.
Any feedback or questions that you send to Spendbot will be treated as being non- confidential unless it involves your confidential data. In any case, Spendbot will be free to use such information to improve or augment our services.
Spendbot complies with the Controlling the Assault of Non-Solicited Pornography and Marketing Act of 2003. Spendbot provides users periodic website-related notifications, newsletters, or other information via email. Users may elect to stop receiving such messages at their discretion. If you no longer wish to receive periodic email updates from Spendbot, you may update your account preferences on the website. You may also follow the unsubscribe instructions included in each promotional email. However, please note that certain Services-related email messages that we send users are necessary for the proper functioning and use of the Services, and users who participate in such Services do not have the ability to opt-out of such email messages.
Additionally, the website may contain links to other sites whose information practices may be different than ours. Visitors should consult the other sites' privacy notices, as we have no control over information that is submitted to, or collected by, these third parties.
The website may contain third party advertisements or offers that are complementary to your use of Spendbot that may be custom matched to you based on information you provided to the Site, queries made through the Site or other information. If you choose to use these separate products or services, disclose information to the providers, or grant them permission to collect information about you, then their use of your information is governed by their privacy policies. You should evaluate their practices before deciding to use their services.
Spendbot does not control and cannot be responsible for what third parties do in connection with their websites or how they handle your personal information. Please consult the privacy policies posted by each third party, and notify Spendbot of any issues. Spendbot will attempt to do business only with companies that respect our subscribers' personal information and privacy rights.
We may use third party service providers to help us analyze certain online activities. We do not share any personally identifiable information about our users with these third parties, and these third parties do not collect such information on our behalf.
Additionally we may utilize third party ad serving networks and their associated tracking functionality to deliver more targeted advertising to our users and to optimize customer acquisition efforts.
Spendbot may use standard Internet technology, such as web beacons and similar technologies, to track your use of the Site or to track your response to email messages that we send you in connection with the website or Services. Web beacons (sometimes called transparent GIFs, clear GIFs, or web bugs) are small strings of code that provide a way for us to deliver a small graphic image (usually invisible) on a web page or in an email. Web beacons can recognize certain types of information on your computer such as cookies, the time and date a page is viewed, and a description of the page where the web beacon is placed. Spendbot may use web beacons to improve your experience on the Site, including to provide you with content customized to your interests and to understand whether users read email messages and click on links contained within those messages so that the Site can deliver relevant content. Our web beacons may collect some contact information (for example, the email address associated with an email message that contains a web beacon). The website also may include third-party web beacons so that these third parties may receive auditing, research, and reporting information about advertisements viewed on the Site.
We use analytics software to allow us to better understand the functionality of our Mobile Applications on your phone. This software may record information such as how often you use the application, the events that occur within the application, aggregated usage, performance data, and where the application was downloaded from.
While this Privacy Statement expresses Spendbot's standards for protection of personally identifiable information, Spendbot is not in a position to guarantee that the standards will always be met. There may be factors beyond our control that may result in unintentional disclosure of data. We follow generally accepted industry standards to protect the personal information submitted to us, both during transmission and once we receive it. No method of transmission over the Internet, or method of electronic storage, is 100% secure, however. Therefore, while we strive to use commercially acceptable means to protect your personal information, we cannot guarantee its absolute security and are not responsible for the theft, destruction, or inadvertent disclosure of your personally identifiable information.
In the unfortunate event that your "personally identifiable information" (as the term or similar terms are defined by any applicable law requiring notice upon a security breach) is compromised, we may notify you by email (at our sole and absolute discretion) to the last email address you have provided us in the most expedient time reasonable under the circumstances; provided, however, delays in notification may occur while we take necessary measures to determine the scope of the breach and restore reasonable integrity to the system as well as for the legitimate needs of law enforcement if notification would impede a criminal investigation.
Your data belongs to you, and you can remove it anytime you want. To cancel your Spendbot account and delete all account information associated with your account, log in to your account at www.spendbot.com, click "Settings" then click "Delete My Account". If you ask us to delete your account, we will use commercially reasonable efforts to remove your data from our servers. Despite such removal, portions of your data may remain on our production and back-up servers indefinitely.
If you wish to access personal information that you have submitted to us or to request the correction of any inaccurate information you have submitted to us, you may correct certain information via your user account. Alternatively, you can send an email that includes your contact information to email@example.com to request any corrections to your personal information.
The features, services, and other aspects of our website requiring the submission of personally identifiable information are not intended for anyone under 18 years of age. We do not knowingly collect personally identifiable information from children under the age of 13. If you are a parent or guardian of a child under the age of 13 and believe he or she has disclosed personally identifiable information to us please contact us at firstname.lastname@example.org.
California Civil Code Section 1798.83, also known as the "Shine The Light" law, permits our customers who are California residents to request and obtain from us once a year, free of charge, information about the personal information (if any) we disclosed to third parties for direct marketing purposes in the preceding calendar year. If applicable, this information would include a list of the categories of personal information that was shared and the names and addresses of all third parties with which we shared 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 email@example.com. In your request, please attest to the fact that you are a California resident and provide a current California address for our response. Please be aware that not all information sharing is covered by the California Privacy Rights requirements and only information on covered sharing will be included in our response.
If you have questions or concerns regarding this statement, or if you have any questions or suggestions, you should first contact firstname.lastname@example.org.
For more information:
The Federal Trade Commission offers an overview of privacy protection.