Kashvisor Privacy Policy

We at Kashvisor LLC ("Kashvisor,” "our,” "we," or "us") value our users' privacy as we know that you care about how your personal information is collected, used, safeguarded, shared, and we take that seriously. Kindly read the following terms to learn more about your privacy. This Privacy Policy ("Policy") will help you understand how we collect and use personal information from those who access and use our website and our services.

This privacy policy also helps you understand the rights and choices that you have with respect to your personal information.

By accessing or using the Service in any manner, you acknowledge that you accept the practices and policies outlined in this Privacy Policy, and you hereby consent that we will collect, use, and share your information in the following ways.

This Privacy Policy includes additional notices that may apply to you in line with the California Consumer Privacy Act (“CCPA”) if you are a California resident. Please see the section further below titled "California Privacy Rights" for more details.

1. Changes to this Privacy Policy

We reserve the right to make changes to this Policy at any given time. If you want to make sure that you are up to date with the latest changes, we advise you to visit this page often. If at any point in time Kashvisor decides to make use of any personally identifiable information on file, in a manner vastly different from that which was stated when this information was initially collected, the user or users shall be promptly notified by e-mail. Users at that time shall have the option as to whether to permit the use of their information in this separate manner.

2. What does this privacy policy cover?

This Policy applies to Kashvisor software and the services we offer through the Services, and it governs any and all data collection and usage by us in compliance with applicable regulations. Through the use of these Services, you are consenting to the data collection procedures expressed in this Policy.

We gather various types of information from our users, as explained in more detail below, and we use this information internally in connection with our Services, including to personalize, provide, and improve our Services, to allow you to make payments, communicate with you, and to analyze how you use the Services. In certain cases, we may also share some information with third parties, but only as described below.

Please note that this Policy does not govern the collection and use of information by companies that Kashvisor does not control nor by individuals not employed or managed by us. If you visit a website made available via the service or link, review its privacy policy before providing the site with information. It is highly recommended and suggested that you review the privacy policies and statements of any website you choose to use or frequent to better understand how such websites garner, use, and share the information collected.

3. Information we collect

When you make use of our Services, we may collect and process a variety of personal information about you from various sources, which may include but are not limited to the following as described below:

• Information you provide:

  “Account and Personal Information" means any information which, either alone or in combination with other information we hold about you, identifies you as an individual or as an organization, including, for example, your contact information such as your name, e-mail address, telephone, location information, demographic information, as well as any other non-public information about you that is associated with or linked to any of the foregoing data which you may be required to provide when using the Service. When you create your profile, others will be able to view some details about your activity on the Kashvisor Services, including the content you post. We collect this information when you sign-up for the Service, engage our interactive services, feedback and survey responses, request customer support or otherwise communicate with us.

  "Anonymous/Aggregated Data" means data that is not associated with or linked to your Personal Information; Anonymous Data does not, by itself, permit the identification of individual persons. We collect, use and share Anonymous Data such as statistical or demographic data for any purpose. Anonymous Data may be derived from your personal information but is not considered personal information in law as such data does not directly or indirectly reveal your identity. For instance, Kashvisor may aggregate or anonymize your usage data to calculate the percentage of users accessing a specific Service feature. However, if Kashvisor combines or connects Aggregated Data with your personal information so that it can directly or indirectly identify you, Kashvisor treats the combined data as personal information which will be used in accordance with this privacy notice.

  We may also receive information from your financial institution when you synchronize such account from your financial institution with your Kashvisor account for the purpose of making use of the services that we offer.

  Please note that you can choose not to provide us with certain information, but this may limit the features of the Services you can use.

• Information we collect automatically

  We may collect certain information (which does not identify you as an individual) about your use of the Service through the use of tracking technologies or by other passive means and other relevant statistics, including the following:

  • Usage Data: When you access and/or make use of our Services, we collect details of your visit such as traffic data, date and time of your visit to the Service, logs, location, error tracking information, and other usage data and resources that you access and use on or in the Services.
  • Log files: device and location information: We may also collect information about your mobile, internet connection, and computer devices, such as your operating system, IP address, and browser type. For example, we make use of Google Analytics or other analytics services to track and collect these kinds of information. We may also collect location information through the use of geolocation technology.
  • Cookies: When you access and/or make use of our Services, we may send one or more cookies (small text files containing a string of characters) to your device that uniquely identifies your browser. We use cookies to improve the quality of the software and service by storing user preferences and tracking user trends. You can refuse to accept browser cookies on your computer by activating the relevant browser setting, and you may have the same capabilities on your mobile device under the choices for your operating system or browser. If you choose this option, you may be unable to access or utilize certain features of our Services. Unless you have configured your browser or operating system to reject cookies, our system will send cookies when you visit our website.
  • Links: The Service or contents made available on the Service may include links in a format that enables us to keep track of whether these links have been followed by IP addresses. We use this information to improve the quality of our services and design.
  • Beacons: Beacons (also known as “pixel tags” or “clear GIFs”) are 1×1 single-pixel graphics that allow us to count the number of users who have visited or accessed the Service and to recognize users by accessing our cookies. We may employ beacons to facilitate Service administration and navigation, track the actions of users of the Service, compile aggregated statistics about Service usage and response rates, and provide an enhanced online experience for visitors to the Services.
  • Analytics services: We may use third-party analytics services ("Analytics Services"), such as Google Analytics to help collect, monitor, visualize, report, integrate and analyze how users use our Services. Google Analytics also make use of cookies, which are text files placed on your computer, to help our Services analyze how users use the Services.
  • Furthermore, the information generated through cookies or other technologies about your use of the Kashvisor Service (the "Analytics Information") may be transmitted to the Analytics Services. The Analytics Services use Analytics Information to compile reports on user activity. The Analytics Services may also transfer the Analytics Information to third parties where required to do so by law, or where such third parties process Analytics Information on their behalf. Each Analytics Service's ability to use and share Analytics Information is restricted by such Analytics Service's terms of use and privacy policy.
  • Payment transaction information: Through the use of a third-party payment processor, certain financial information used by you for payment transactions on our Services may be collected. Payment amount, date and time of the transaction, payment instrument expiration date and billing postcode, user’s address and other details related to the transaction may be collected as well.
  • Financial information: By connecting the Services with your financial institution, we may collect certain financial information based on your financial activities on your financial institution such as your identifiers,income, expenses, assets and liabilities through the use of a third-party service provider such as Plaid Inc.(Plaid). By utilizing the Service, you authorize Kashvisor and Plaid to access and transmit your personal and financial information from your pertinent financial institution. You consent to the transfer, storage and processing of your personal and financial information by Plaid in accordance with Plaid end-user privacy policy.
• Information automatically collected by third parties about you

  Some embedded content on the Service may be served by third-party service providers. Please note that these companies may also use cookies or other similar technologies to collect data about you, both on the Kashvisor Services and throughout the Internet. Data collection and use by those third parties is subject to the privacy policies of those third-parties

  Please rest assured that we will only collect personal information that you knowingly and willingly provide to us by way of surveys, completed forms, and e-mails. Kashvisor intends to use personal information only for the purpose for which it was requested and for any additional uses specifically provided for on this Policy.

4. What do we use your personal information for

Kashvisor uses the information collected from you to provide, improve, and develop the software and services we provide to you, serve you offers that we think might be of interest to you, communicate with you, offer you a better service, and protect our users and us. When you interact with or make use of the Kashvisor service, we use a variety of technologies to collect information about you for various reasons.

• To create and service your user account and to enable certain functionalities for your use on our Services.
• For your safety and security; to validate your identity and ensure the security of your account -e.g., by sending an e-mail or SMS to confirm that you are the owner of the e-mail address or phone number linked to your user account.
• To personalize the content and information that we may send or display to you, personalized help and instructions, and otherwise personalize your experiences while using our website and/or our services, such as developing and offering you new features to the services we are providing you.
• We use the information we collect about you to develop new and improve existing products and services by conducting research and analysis to help develop relevant and helpful features.
• To provide fees and provide users with invoices or resolve payment and billing-related issues.
• Purchase and delivery of subscription services: We use your personal information to process and maintain your subscription plan, process payments, deliver the service, and communicate with you about purchases and relevant services.
• For communication purposes: We may send e-mails, product updates, and related e-mails to the e-mail address you provide to us and text messages to any cellphone number you provided to us, and for informational and operational purposes, such as account management, customer service, system maintenance, and other Service-related purposes. We use personal information that we gather from you to communicate with you in relation to your use of the Kashvisor Service via different channels (e.g., by e-mail and phone).
• For promotions and marketing purposes:

  We also make use of the information we have about you to promote our services, products, and other offerings to you. For instance, we may use certain information, like your e-mail address, to send information or Kashvisor content to you that we think may be of interest to you by e-mail, or other means and send you marketing communications relating to our business and the services that we offer. We use this information to promote the use of our services to you and share promotional and information content with you in accordance with your communication preferences.

  We may use automated tools, including machine learning models, to generate insights. These models do not receive personally identifiable information (PII) and are solely used to provide user-facing responses. They are not used for profiling or marketing purposes.

• Fraud detection and prevention: Increase and maintain the safety and security of our products and services, community and prevent misuse. We use personal information to detect and prevent fraud and abuse in order to protect us and ensure the safety of our users, Kashvisor, and others. We also use collected information to protect against, identify theft and prevent fraud and other criminal activity, claims, and other liabilities
• Provide, troubleshoot, and improve Kashvisor Services: We use your personal information to understand, diagnose, troubleshoot, and fix issues with the Kashvisor Services. We also use such information to operate, evaluate, develop, manage and improve our Services (including operating, administering, analyzing, and improving our products and services; developing new features and services; managing and evaluating the effectiveness of our communications; performing accounting, auditing, billing reconciliation, and collection activities and other internal functions;
• Comply with and enforce applicable legal requirements: in certain cases, we collect your personal information to stay in compliance with laws and relevant industry standards and policies, including this Privacy Policy and our Terms and Conditions of use.

5. Personal Information that we share

Except as described below, we do not sell, rent, trade, or otherwise share personal information collected through the Service because we are committed to maintaining your trust:

• Service providers: We may provide collected data about you to certain service providers to help keep our services running or support our Services. Such service providers may include our payment processor/partners that we may make use of from time to time for payment processing when you make a payment on our Service. They may use your data to perform services for us and may have access to, store, and process your personal data to provide services on our behalf. Such services may also include marketing service providers, verifying your identity, preventing, detecting and protecting against fraudulent activity or abuse of our services, conducting internal research and analytical assessments, processing your transactions, maintaining your account(s) and providing you with customer support services. We may share personal information or any information collected through the Service with these third parties for the purpose of enabling them to provide these services and they may have controlled and limited access to the database of user information.
• Subsidiaries, business partners and affiliates: We may share personal information or any information collected through your use of the Service with our subsidiaries and affiliates for the purposes for which you provided the information or as reasonably necessary for our internal administrative and business purposes. We may share your Personal Information with our business partners. Some of these business partners may use your personal information to facilitate the offering of services or products that may be of interest to you. We may also share your Personal Information as otherwise described to you at the time of collection.
• Public forums: Our Services may provide publicly accessible blogs, message boards or community forums. You understand that if you directly disclose any information through our blogs, public message boards, or forums (including profile information associated with the account you use to post the information) it may be seen, read, collected and used by any member of the public who accesses these websites. Your posts and certain profile information may remain accessible even after you terminate your account with us. So, we hereby urge you to consider the sensitivity of any information you decide to disclose in this way. We may delete or edit any information you have posted on the websites if you so request, as described herein this policy. In some cases, we may not be able to remove your information, in which case we will let you know if we are unable to and why.
• Analytics Partners: When you provide your personal information to us, we may make certain personal information available to certain third parties for analytics purposes, including but not limited to leveraging third-party tools and services to host, track, integrate, manage user's interests, usage pattern, and/or functionality available through our Services. We will only share your personal information with analytics partners for the improvement of our own service and/or to deliver the Kashvisor services to you. We do not in any way sell your personal information to advertisers.
• Financial institutions: When you use our Services, we may process such information obtained fromyour Financial institution. Kashvisor uses Plaid Inc. (“Plaid”) to gather your data from financialinstitutions. By using the Service, you grant Kashvisor and Plaid the right, power, and authority toact on your behalf to access and transmit your personal and financial information from yourrelevant financial institution. You agree to your personal and financial information beingtransferred, stored, and processed by Plaid in accordance with the Plaid end user privacy policy.https://plaid.com/legal/#end-user-privacy-policy
• Merger and acquisition: We may disclose or transfer personal information or any information collected through your usage of our Service to third parties who acquire all or a portion of Kashvisor’s business, whether such acquisition is by way of merger, consolidation, or purchase of all or a portion of our assets, or in connection with any bankruptcy or reorganization proceeding brought by or against us.
• Compliance with laws: We may disclose personal information or any information collected through your usage of the Kashvisor Service if we are required to do so by law or pursuant to legal process, in response to a request from government officials, law enforcement authorities, or a valid subpoena, or as necessary or appropriate in connection with an investigation of illegal activity, including without limitation to prevent, investigate, detect or prosecute any criminal offense or attack.
• Consent: We may share personal information in accordance with any consent you provide.
• Aggregate Information: We share aggregate statistical data for the improvement of our Services. We may also share aggregated or de-identified information with third parties at our discretion.

6. Data retention and deletion

We keep your personal information only as long as necessary to provide you with the Kashvisor Service and for legitimate and essential business purposes, such as maintaining the performance of the Kashvisor Service, making data-driven business decisions about new features and offerings, complying with our legal obligations, and resolving disputes. We keep some of your personal information for as long as you are a user of the Kashvisor Service.

If you request, we will delete or anonymize your personal information so that it no longer identifies you, unless we are legally allowed or required to maintain certain personal information, including situations such as the following:

• If there is an unresolved issue relating to your use of the service, such as an unresolved claim or dispute, we will retain the necessary personal information until the issue is resolved;
• Where we need to retain the personal information for our legal, tax, audit, and accounting obligations, we will retain the necessary personal information for the period required by applicable law; and/or,
• Where necessary for our legitimate business interests such as fraud prevention or to maintain the security of our users and the platform.

7. Your privacy rights

General Data Protection Regulations grant you certain rights ('information rights') which provide you with:

• Right of rectification or erasure - if you feel that any data that we hold about you is inaccurate you have the right to ask us to correct or rectify it. You also have a right to ask us to erase information about you where you can demonstrate that the data, we hold is no longer needed by us if you withdraw the consent upon which our processing is based, or if you feel that we are unlawfully processing your data. Your right of rectification and erasure extends to anyone we have disclosed your personal information to and we will/shall take all reasonable steps to inform those with whom we have shared your data about your request for erasure. Note that we may have a legal obligation to retain some or even all personal information about you under relevant laws. We may also have the legal right to retain the information you have requested to be erased.
• Right to restriction of processing - you have a right to request that we refrain from processing your data where you contest its accuracy, or the processing is unlawful and you have opposed its erasure, or where we don't need to hold your data anymore but you need us to in order to establish, exercise or defend any legal claims, or we are in dispute about the legality of our processing your personal information.
• Right to data portability: In certain circumstances, you may have the right to request that data which you have provided to us be made available to you so that you can transfer this to another data controller.
• Right to object - you have a right to object to our processing of your personal information where the basis of the processing is our legitimate interests including but not limited to direct marketing and profiling.
• Right to withdraw consent - you have the right to withdraw your consent for the processing of your personal information where the processing is based on consent. To withdraw consent, please specify what you wish to withdraw consent for, by e-mailing us at support@kashvisor.com.
• Right of complaint - if you are unhappy with the way we have used or are handling your personal information you have the right to lodge a complaint with a supervisory authority for data protection issues. We would, however, appreciate the chance to deal with your concerns before you approach such a Supervisory Authority. So, please contact us in the first instance by e-mailing us at support@kashvisor.com .

8. Data security

As a matter of policy, we are committed to protecting your data and as such, Kashvisor takes precautions to protect your information. We adopt commercially reasonable measures to secure Personal Information by using physical and electronic measures designed to ensure the integrity and security of the Personal Information we hold. When you submit sensitive information via the Service, your information is protected. Any payment transactions will be encrypted using SSL technology. Where you have chosen a password which enables you to access certain parts of our site, you are responsible for keeping this password confidential. We ask you not to share a password with anyone.

However, please note that no method of transmission over the internet, or method of electronic storage, is 100% secure. Although we will do our best to protect the personal information that we gather about you, the transmission of information via the internet is not completely secure and as such, we cannot guarantee the absolute security of your data transmitted to the Service; any transmission is at your own risk. We have implemented various policies including encryption, access, and retention policies to guard against unauthorized access and unnecessary retention of personal information in our systems.

9. Additional privacy rights for California residents

If you are a resident of California, this section provides additional information about specific rights regarding your personal information in accordance with the California Consumer Privacy Act (“CCPA”).

Personal Information we collect

The following is a list of personal information that we collect or have collected from California residents over the past twelve months. We will update this disclosure from time to time as appropriate.

• Unique identifiers such as your first name, last name, or similar identifier, address, or IP address;
• Internet or other electronic network activity information, including content interaction information, such as content downloads, search history, transaction and interaction data on your use of our Service and from links in our e-mails sent to you;
• geolocation data, such as the location of your device or computer;
• inference data, such as information about your purchase preferences, interest, feedback, and survey responses;
• Other information that identifies or can be reasonably associated with you (e.g., the information you voluntarily provide as you use the Kashvisor services, such as additional profile information or user-generated content).

How we collect personal information

We obtain the categories of personal information listed above from the following sources:

• Directly from our Services users when they provide the information to us.
• Indirectly from you as you navigate through the Services. Information collected automatically may include usage details, IP addresses, and information collected through cookies, web beacons, and other tracking technologies.
• From third-party service providers.

Categories of personal information disclosed for our business purpose

The personal information that we disclosed about consumers for a business purpose over the past (12) twelve months falls into the following categories as established by the California Consumer Privacy Act:

• Identifiers such as your name, e-mail address, billing address, or IP address;
• Personal information, such as a credit card number, for example, if we use a third-party payment processor;
• Your age, age range, gender, or other protected classifications, for example, if you choose to participate in a survey distributed by us or fill the User Content form;
• Geolocation data from your IP address

Access request rights

You have the right to request that we disclose certain information to you about our collection and use of your personal information over the past twelve (12) months. But only you, or someone legally authorized to act on your behalf, may make a verifiable consumer request related to your personal information. Designated agents must submit proof that the consumer has authorized them to act on their behalf. Making a verifiable consumer request does not require you to create an account with us. We will only use personal information provided in a verifiable consumer request to verify the requestor’s identity or authority to make the request. If you wish to do any of these things, please contact us. Once we receive and verify your request, we will disclose it to you. You may make up to two (2) requests, no more than twice in a twelve-month period for information as to:

• The categories of personal information we collected about you or shared with our service providers for business purposes.
• The categories of sources for the personal information we collected about you.
• Our business or commercial purpose for collecting that personal information.
• The specific pieces of personal information we collected about you.

Right to deletion of personal information

You have the right under the California Consumer Privacy Act to request the deletion of your personal information. If you wish to do this, please contact us. Depending on your data choices and subject to applicable regulations, certain services may be limited or unavailable.

We may, however, deny your deletion request if retaining the information is necessary for us or our service providers(s) to:

• Complete the purpose for which we collected the personal information, provide a service that you requested, take actions reasonably anticipated within the context of our ongoing business relationship with you, or otherwise perform our contract with you.
• Detect security incidents, protect against malicious, deceptive, fraudulent, or illegal activity, or prosecute those responsible for such activities.
• Exercise free speech; ensure another consumer's right to exercise their free speech rights or exercise another right provided for by law.
• Comply with the California Electronic Communications Privacy Act (Cal. Penal Code § 1546 et. seq. or other legal obligation.
• Make other internal and lawful uses of that information that are compatible with the context in which you provided it.

No discrimination

You have the right not to receive discriminatory treatment for the exercise of your rights under the CCPA, and Kashvisor will not discriminate against any consumer for exercising their rights under the California Consumer Privacy Act.

10. Children under the age of 13/Age restriction

Kashvisor's Services are not directed to and do not knowingly collect personally identifiable information from children under the age of thirteen (13). If it is determined that such information has been inadvertently collected on anyone under the age of thirteen (13), we shall immediately take the necessary steps to ensure that such information is deleted from our system's database.

11. Your choices; unsubscribe or opt-out

Account information: You may update certain information you provide to us (such as your password, name, and e-mail address) by logging into your Kashvisor account or contacting us through our support channel at support@kashvisor.com. Also, if you decide to delete your Kashvisor account, please contact us at support@kashvisor.com; but note that we may retain certain information where required or permitted by law. We may also retain cached or archived copies of certain information about you and your usage of the Services for a certain period of time.

Mobile push alerts/notifications: With your consent, we may send important and other push alerts to your mobile device. However, you have the option to deactivate such notifications at any time by updating your notification setting on your device.

Marketing e-mails: If you have subscribed to our e-mail and electronic newsletter communications, you will always have the opportunity to unsubscribe from future communications. You will also have the opportunity to "opt-out" of commercial e-mail from the applicable Kashvisor Service by following the unsubscribe instructions provided in the e-mail you receive or by contacting us directly. Kashvisor will continue to adhere to this Policy with respect to any personal information previously collected.

12. Links to other sites or resources

Kashvisor does not claim nor accept responsibility for any privacy policies, practices and/or procedures of other third-party sites or resources. Therefore, we encourage all users and visitors to be aware when they leave our Service and to read the privacy statements of every website that collects personally identifiable information. This Privacy Policy Agreement applies only and solely to the information collected by us.

13. How to contact us

Feedback, comments, requests for technical support, and other communications relating to the mobile application and the services should be directed to us at support@kashvisor.com