At MoneyStream, Inc., a California corporation ("MoneyStream") we know privacy is important to you. It is also vital to our business, and we place the highest importance on respecting and protecting the privacy of our customers.
For more details on what your rights and obligations are when using the Services offered on the Site, please refer to the Terms of Service found on the Site.
The Site and the Services are offered only to residents of the United States who can form legally binding contracts under applicable law. Without limiting the foregoing, the Site and Services are not offered to minors. Other restrictions and eligibility requirements for certain Services apply as described in the Terms of Service or other disclosures on the Site.
The Personal Information that MoneyStream collects from or about you may include:
a. Contact Information such as name, postal address, and e-mail address;
b. Account numbers, passwords, and other information on accounts and bills you would like to receive or view online;
c. Information maintained about you by consumer reporting agencies, including credit bureaus; and
d. Information to help verify your identity and authenticate your access to your information, products and services at the Site, such as your date of birth, social security number, password(s), and secret question / secret answer. This information will be used only to verify critical information about you, in connection with your use of Services.
e. Information about your web behavior including data such as which pages on our website you visited, and aggregate information about your demographics and web activity provided to us through Google Analytics.
MoneyStream may collect Personal Information, and other information, about you from the following sources:
a. Your subscription registration, or similar forms;
b. The financial institutions in which you have accounts that are accessed using the Services;
c. Your use of the Site and the products and services offered through it, including data transmitted to MoneyStream through cell phones and other mobile devices;
d. Companies that provide content, such as electronic bills, to the Site, or that use MoneyStream's electronic billing and/or electronic payment services at their sites;
e. Consumer reporting agencies;
g. Technical information such as your IP address, browser type or version, pages viewed, links, and other information with respect to the use of the Site, as described in the Sections "Cookies" and "Advertising", below; and
h. Other sources, as allowed by law.
a. To ensure that your Personal Information remains confidential, MoneyStream uses Secure Sockets Layer (SSL) technology to transmit and receive your Personal Information in an encrypted form.
b. We protect the confidentiality and security of your personal information by using industry-recognized security safeguards such as firewalls, coupled with carefully developed security procedures to protect your information from loss, misuse or unauthorized alteration. We regularly adapt these controls to respond to changing requirements and advances in technology.
c. Our employees are trained and required to safeguard your information and, using physical, electronic and procedural safeguards, we restrict access to personal information to those employees and agents for business purposes only. Additionally, we use internal and external resources to review the adequacy of our security procedures.
d. However, it is important to understand that these precautions apply only to our Site and systems. We exercise no control over how your information is stored, maintained or displayed by third parties or on third-party sites.
We understand that you are entrusting us with your Personal Information. That's why we don't sell, rent, or share any of the Personal Information you provide to us with third parties, for their own promotional or marketing use, without your consent. There are occasions, however, where we must share your information to provide you with the services you requested or for legal reasons. Descriptions of when we share and whom we may share your information with are provided below.
a. With Service Providers. In some cases, we use third party service providers to provide a product you order, to fulfill a service you request, or to market one of our products or services. These service providers act on our behalf. For example, we may use service providers to provide customer support or to host our Web sites. Service providers are strictly prohibited from using your information for their own purposes. Our contracts only allow service providers to use the personal information we disclose to them to provide you the service you have requested.
b. With Partners. We have limited relationships with third party business partners to offer you products or services that we believe you may find beneficial. Some of these are co-branded products or services. We clearly identify partner services and sites, so you will know who is receiving your information. When you request any of these partner products or services, you are permitting us to provide your personal information to the partner to fulfill your request. We may also offer links to partner or other third party Web sites. We do not control the privacy or security practices used on these sites. Before you provide your personal information to these third parties, we recommend that you review their privacy policies to learn more about how they may use your information.
c. Sale of a business. Should we sell, merge, or transfer any part of our business, part of the sale may include your personal information. If so, you will have the opportunity to ask not to receive promotional information following any change of control.
d. For legal reasons. In some cases we may be required to disclose certain information to cooperate with regulators or law enforcement authorities, comply with a legal process, such as a court order, subpoena, search warrant, law enforcement request, or as otherwise permitted by law to comply with legal requirements.
We may use your contact information to tell you about other products we think might interest you. However, if you don't want us to contact you for promotional purposes, you can email us at firstname.lastname@example.org. Your contact preferences only apply to marketing contact. We may need to communicate with you regarding the usability of your product or critical messages relating to your service or software (such as service messages, subscription renewal notices, critical notices, or legally mandated notices).
You may review and update the Personal Information maintained about you in the "My Profile" section of the Site at any time to ensure that it is accurate and up-to-date.
Your data is yours. You can remove it anytime you want. When you request us to delete your account for a Service, your data will be permanently expunged from our primary production servers and further access to your account will not be possible. We will also promptly disconnect any connection we had established to your account information and delete all account credentials. However, portions of your data, consisting of aggregate data derived from your account information, may remain on our production servers indefinitely. We may also retain records with respect to individual transactions conducted on your behalf via the Service. Your data may also remain on a backup server or media. MoneyStream keeps these backups to ensure our continued ability to provide the Service to you in the event of malfunction or damage to our primary production servers. We also reserve the right to use any aggregated or anonymous data derived from or incorporating your Personal Information.
We treat the Personal Information of our former customers with the same care and respect as that of our current customers.
When you visit the Site, we receive certain standard information that your browser sends to every website you visit, such as your IP address, browser type and language, access times and referring website addresses. This data does not identify you uniquely. However, it is used to assist in "authenticating" who you are when you access the Site.
We may also receive additional information about your visit to the Site, including the pages you view, the links you click and other actions you take in connection with the Site and the products and services offered through it. This data is used to make the site design more efficient.
Like most websites, the Site uses "cookies" and "web beacons" to help personalize your online experience. A cookie is a text file that is placed on your hard drive by a web page server. Cookies cannot be used to run programs or deliver viruses to your computer. Cookies are uniquely assigned to you, and can only be read by a web server in the domain that issued the cookie to you. Most cookies are "session" cookies that are only used for a specific period during which you are on the Site, but a few are "persistent" cookies that stay on your hard drive and are read by the web server when you return to the site. This simplifies the process of recording your information. When you return to the same website, the information you previously provided can be retrieved, so you can easily use features that you customized. Most web browsers automatically accept cookies, but you can modify your browser setting to decline cookies if you prefer. However, if you choose to decline cookies, you will not be able to sign in or use other interactive features of the Site that depend on cookies. Web beacons are images embedded in a Web page or email for the purpose of measuring and analyzing site usage and activity. MoneyStream, or third party service providers acting on our behalf, may use Web beacons to help us analyze Site usage and improve the Service.
To provide you with a seamless experience, we may occasionally use framing. Though your browser may indicate you are at the Site, you may be on a partner's site. To determine which site you are on, right-click on the page and then select "properties." Mac users should press the control key, and click their mouse on the site and then look at "View Source."
ATTN: Privacy Management
10 Jackson Ave #201
Los Gatos, CA 95030
Telephone number: 1-408-475-1113