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Thank you for using Affordably, Inc. (“Affordably”, “us” or “we”) and our services made available through websites including www.affordably.me (the “Site”), the downloadable applications (collectively, the “Apps,” together with the Site, the “Service”), and the Affordably widget placed on the websites of third-party merchant partners we work with.
This Privacy Policy describes the data that we collect, how we use and share that data, and the steps we take to protect your information.
This Privacy Policy is incorporated into and is subject to the Affordably Terms of Service. By using the Service, you agree to the privacy practices described here and to our Terms of Service, plus any other policies made available by us to you. Capitalized terms that are not defined in the Privacy Policy have the meaning given to them in the Affordably Terms of Service.
We do not automatically collect any Personally Identifiable Information or Sensitive Information without your consent. When you use the Service, we collect information, such as your name, email, address, phone number, and other data. You may provide us with data when you fill out forms on our application or when you apply for a job, when you contact us about our Service (including by email or other means), when you submit User Content, and when you register for an account. The categories of information we collect include:
You may choose to voluntarily provide other information to us that we do not request, and, in such instances, you are solely responsible for such information.
We collect this information through a variety of means, which may include from your identity documents, text you input and/or images we ask you to provide, or through connecting with third-party services as described below. We will only share your Personally Identifiable Information to the extent necessary to allow us to manage our relationship with you.
You may be asked to provide data or documentation to verify your eligibility for discounts for various businesses & services. This documentation might be provided by government agencies, telecommunications networks, credit card bureaus, or financial institutions.
The decision to share specific items of your Personally Identifiable Information and/or Sensitive Information with the Service or opportunities offered by Third-Party Websites which are conditioned upon certain eligibility requirements is yours and yours alone. However, if you decline to provide any of the above information, you may not be able to register for an Affordably Account or to access certain discounts. We reserve the right to audit your eligibility; to audit user accounts for fraud by, for example, verifying that purchases, upgrades, or benefits (both tangible and intangible) are delivered to registered user addresses or used by the registered user and not otherwise resold, transferred, or distributed by Users for their personal, financial gain; and to prevent duplicate Affordably Accounts from being created with the same information.
Users should understand that merchants that use the Affordably.me Service (collectively referred to hereafter as the “Third-Party Websites”) are not bound to this Privacy Policy and We are not responsible for the privacy policies of the Third-Party websites. Users should review the privacy policy and practices of Third-Party websites to determine how information collected from Users will be handled.
Our Service allows you to connect your third party accounts, including financial accounts, to your Affordably account. We use Plaid, Argyle and other third-party integrations to provide this functionality. To connect your third party accounts to your Affordably account, you must authorize such connection when registering your Affordably account. You may terminate this connection at any time by contacting support@affordably.me, and, in the future, directly in your account settings.
When connecting your third party accounts to your Affordably account, you permit Affordably and the third party integration to act on your behalf to access and transmit your information from the relevant bank or other entity that provides your accounts. The data we receive from the entities that maintain your accounts varies depending on the data made available by those entities. Examples of the types of information we receive from such accounts include financial account information, account balance data, credit account data, loan account data, investment accounts data, identifiers and information about account owners, account transaction data, pay data, and employment data.
Affordably is not responsible for the third party’s privacy practices and we encourage you to review their privacy policies before connecting your third party accounts with your Affordably account. Plaid’s privacy policy is available at https://plaid.com/legal. You are responsible for the accuracy and completeness of the data provided through any third parties you connect to the Service.
When you use the Service, we (or our service providers or vendors) may automatically collect certain information from your web browser and through your device by using different types of technology, including “cookies,” “log files,” "pixels," and other tracking technologies. This automatically-collected information includes:
The types of tracking technologies used include:
For further information on how we use tracking technologies for analytics, and your rights and choices regarding them, see the “Analytics” and “Your Rights and Choices” sections below.
We also collect information from sources other than the Service, such as:
We treat the information collected from other sources subject to any laws or contractual obligations applicable to us. In the event we are permitted to process the information for our own purposes, we will process the information in accordance with the practices described in this Privacy Policy.
We use your data in providing the Service and operating our other business and commercial purposes. We use the information we collect about you for the following purposes:
Notwithstanding the above, we may use information that does not identify you (including information that has been aggregated or de-identified) for any purpose except as prohibited by applicable law. For information on your rights and choices regarding how we use information about you, please see the “Your Rights and Choices” section below.
We disclose the information we collect in accordance with the practices described in this Privacy Policy. The categories of parties with whom we share information include:
Notwithstanding the above, we may share information that does not identify you (including information that has been aggregated or de-identified) except as prohibited by applicable law. For information on your rights and choices regarding how we share information about you, please see the “Your Rights and Choices” section below.
We use analytics services, such Amplitude, to help us understand how users access and use the Service.
You may, of course, decline to share certain information with us, in which case we may not be able to provide to you some of the features and functionality of the Service. Below is further information regarding your rights and choices for the Service:
Please note that if you opt out using any of these methods, the opt out will only apply to the specific browser, device, account, email address, and/or phone number from which you opt out. It will not affect subsequent subscriptions (where applicable). We are not responsible for any other entities’ effectiveness of, or compliance with, any opt out options or programs, or the accuracy of their statements regarding their opt out options or programs.
The Service may contain features or links to websites and services provided by other parties. In addition, we integrate technologies operated or controlled by other parties into parts of our Service. Some examples include:
Any information you provide on another party’s sites or services is provided directly to that party and is subject to that party’s policies and practices regarding privacy and security, even if accessed through the Service. We encourage you to learn about third parties’ privacy and security policies before providing them with information.
The Service is intended for general audiences and is not directed at anyone under the age of 18. For that reason, we do not allow anyone under the age of 18 to use the Service or knowingly collect personal information (as defined by the U.S. Children’s Privacy Protection Act, or “COPPA”) from anyone under the age of 18. If you are under 18 years of age, please do not use or access the Service at any time or in any manner. If we learn that personal information has been collected on the Service from children, we will take the appropriate steps to delete this information in accordance with COPPA. If you are a parent or guardian and discover that your child has obtained an account on the Service or provided us with personal information, you may submit a request to our Privacy Request Form to request that we delete the personal information from our systems. We will remove the personal information in accordance with COPPA.
We use certain physical, managerial, and technical safeguards that are designed to improve the integrity and security of your information. Nevertheless, transmission via the internet is not completely secure and we cannot ensure or warrant the security of any information you transmit to us or store on the Service and you do so at your own risk. We also cannot guarantee that such information will not be accessed, disclosed, altered, or destroyed by breach of any of our physical, technical, or managerial safeguards. See the Information Security Policy for more details.
The Service is hosted in various countries. Your use of the Service, or provision of any information on the Service, is your consent to the transfer, storage, usage, sharing, and processing of information about you in the region that the Service deems most appropriate to process that information subject to the privacy requirements of your country and as set out in this Privacy Policy.
Please revisit this page periodically to stay aware of any changes to this Privacy Policy, which may be revised periodically. In the event that a change to the Privacy Policy materially modifies your rights or obligations, we may provide additional notice to your email address or through Service. Any changes are effective upon publication of the revised Privacy Policy. Your continued use of our Service indicates your consent to the Privacy Policy then posted. For the avoidance of doubt, disputes arising hereunder will be resolved in accordance with the Privacy Policy in effect at the time the dispute arose.
Please contact us with any questions or comments about this Privacy Policy, your information, our use and disclosure practices, or your consent choices by email at privacy@affordably.me
This Privacy Policy has been designed to be accessible to people with disabilities. If you experience any difficulties accessing the information here, please contact us by emailing us at privacy@affordably.me.
Nevada law (NRS 603A.340) requires each business to establish a designated request address where Nevada consumers may submit requests directing the business not to sell certain kinds of personal information that the business has collected or will collect about the consumer. A sale under Nevada law is the exchange of personal information for monetary consideration by the business to a third party for the third party to license or sell the personal information to other third parties. If you are a Nevada consumer and wish to submit a request relating to our compliance with Nevada law, please contact us at privacy@affordably.me.
These additional disclosures apply only to California residents. The California Consumer Privacy Act of 2018 (“CCPA”) provides additional rights to know, delete and opt-out, and requires businesses collecting or disclosing personal information to provide notices and means to exercise rights.
In the past 12 months, we have collected the following categories of personal information enumerated in the CCPA:
For further details on information we collect, including the sources from which we receive information, review the “Information We Collect” section above. We collect and use these categories of personal information for the business purposes described in the “How We Use Information” section above, including to manage our Service.
We do not generally sell information as the term “sell” is traditionally understood. To the extent “sale” under the CCPA is interpreted to include the activities set out in this Privacy Policy, such as those disclosed in the “Analytics and Advertising” section above, we will comply with applicable law as to such activity. We disclose the following categories of personal information for commercial purposes: identifiers, characteristics, commercial or transactions information, internet activity, geolocation data, and inferences drawn. Please review the “When We Disclose Information” section above for further details about the categories of parties with whom we share information.
You have the right to know certain details about our data practices in the past 12 months. In particular, you may request the following from us:
In addition, you have the right to delete the personal information we have collected from you.
To exercise any of these rights, please submit a request using our Privacy Request Form. In the request, please specify which right you are seeking to exercise and the scope of the request. We will confirm receipt of your request within 10 days. We may require specific information from you to help us verify your identity and process your request. If we are unable to verify your identity, we may deny your requests to know or delete.
To the extent Affordably sells your personal information as the term “sell” is defined under the CCPA, you have the right to opt-out of the sale of your personal information by us to third parties at any time. You may submit a request to opt-out by clicking Do Not Sell My Personal Information in your account settings.
You can designate an authorized agent to submit requests on your behalf. However, we will require written proof of the agent’s permission to do so and verify your identity directly.
You have the right not to receive discriminatory treatment by us for the exercise of any your rights.
Customers who are residents of California may request (i) a list of the categories of personal information disclosed by us to third parties during the immediately preceding calendar year for those third parties’ own direct marketing purposes; and (ii) a list of the categories of third parties to whom we disclosed such information. To exercise a request, please write us at the email or postal address set out in “Our Contact Information” above and specify that you are making a “California Shine the Light Request.” We may require additional information from you to allow us to verify your identity and are only required to respond to requests once during any calendar year.
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