Introduction
This Privacy Disclosure ("Privacy Statement") describes the types of information collected, used and shared by MovoCash, Inc. and its affiliates ("MOVO," "we," "us" or "our") when you download our mobile application from a relevant app store and create a MovoCash account on our mobile application or while visiting our site (collectively, the "Services").
Collection of Information
We collect personal information from you in order to provide you with the Services. This may include when you access or use our mobile application or website, create an account with us, request assistance from us, request information from us, sign up for our newsletters or email list, participate in a promotion or survey, or otherwise contact us via email or Customer Service.
The personal information we collect may include your name, address, email address, Internet Protocol ("IP") address, phone number, date of birth, government issued identification number (including social security number, passport, driver's license), information about your payment at a retail location, financial account information used for payments, loads or direct deposits, contact information of an intended recipient of a transaction, biometric data such as call recordings, device information, survey responses, and any other information you choose to provide.
We may combine the information you provide to us with information (1) from and about you that we automatically collect when you use our mobile application or website, products or services, (2) from third parties, or (3) from other online and offline services.
We need to collect information from you about the intended recipient of a payment you request us to make in order to provide you with that service. You can do this by manually entering the name, address, email address, or phone number of the intended recipient into our mobile app. We may also ask you to provide limited access to your phone contacts for account verification purposes.
When you use our Services to make, accept, or request payments, we collect information that may include when and where the transactions occur, the names of the transacting parties, a description of the transactions, the payment or transfer amounts, and the devices and payment methods used to complete the transactions.
When you use our Services, you may provide certain geolocation and device information, including the device name, make and model of your mobile phone or device, operating software system and version, mobile network information, your IP address, the location of your network provider, the dates and times you use our Services on your mobile device, and any information about the mobile device's interaction with our Services.
We may use cookies, web beacons, pixel tags, log files, local shared objects (Flash cookies), and other technologies for security and authentication purposes, to collect certain information when you visit and use our websites or mobile applications, to deliver online advertisements that we think would be more relevant to your interests, to monitor interactions with our emails and online advertisements, and to allow us to keep track of analytics and certain statistical information which enables us to improve our websites and mobile applications.
For example, we may automatically collect certain non-personal information from you, including but not limited to your browser type and version, device type, operating system, IP address, unique device identifier, software version, and the domain name from which you accessed our websites and mobile applications. We may also collect information about your browsing or use behavior, such as the date and time you use our mobile application or visit our websites, the areas or pages of the mobile application or websites that you visit, the amount of time you spend viewing or using the mobile application and website, and other click-stream or usage data.
If you use certain services that involve location-based services (such as an ATM locator) we may also collect geolocation data. We use this information to provide you with the services or products that you request, and to monitor for fraud or other suspicious activity.
Our website requires cookies. You are free to set your browser or operating system settings to limit certain tracking or to decline cookies, but by doing so, you may not be able to use certain features on our websites or participate in all of our services.
Some browsers have a Do Not Track feature that lets you tell websites that you do not want to have your online activities tracked. Our system may not respond to Do Not Track requests or headers from some or all browsers. On your mobile device, you may also adjust your privacy and advertising settings to control whether you want to receive more relevant advertising.
We and our network advertisers may periodically show you ads online for products and services in which you might be interested based on your visits to both our websites and other websites (also known as "Interest-Based advertising"). If you prefer to not receive online ads in this manner, you can opt-out of some network advertising programs by using the Network Advertising Initiative (NAI) Opt-Out Tool. Opting out of a network does not mean you will no longer receive online advertising — it only means that the network from which you opted out will no longer deliver ads tailored to your web preferences and usage patterns.
We may obtain information about you from other sources, including third-party verification services (e.g., identity verification agencies), companies which provide third-party analytics, and publicly available sources. In some circumstances, where lawful, this information can include your government-issued identification number.
We use Plaid Inc. ("Plaid") to securely transmit your data from financial institutions. By using the Service, you grant MovoCash, Inc. and Plaid the right, power, and authority to act on your behalf to access and transmit your personal and financial information from your relevant financial institution. You agree to your personal and financial information being transferred, stored, and processed by Plaid in accordance with the Plaid privacy and security policies.
We may obtain information about you from social networks that you use to connect with us. For example, when you "like," "follow" or otherwise connect with us on social networks we may have access to certain information about you from that social network, such as your profile name, profile picture, gender, photos, networks, username and user ID, list of friends, and comments, questions, and other posted content based on your privacy settings on that social network.
We may combine the information we receive from and about you — including information you provide to us and information we automatically collect through our mobile application or website, as well as information collected from other online sources or from third-party sources — to provide you with the Services, help us tailor our communications to you, and to improve our mobile application, website, products and services.
Information Use
We may use the information we collect from and about you for any of the following purposes:
- For security and authentication purposes, or to prevent fraud;
- To notify you of incomplete applications or registrations;
- To respond to your inquiries, or otherwise contact and communicate with you;
- To provide you and other users with customized content, targeted offers, and advertising on our websites and mobile applications, on other websites or applications, or via email;
- To contact you with information, newsletters, surveys, and promotional materials;
- To contact you when necessary;
- To review the usage and operations of our websites and mobile applications and improve our content, products, and services;
- To address problems with our websites, mobile applications or our business;
- To manage our networks;
- Providing, developing, and improving our Services;
- Advertising and marketing our Services to you;
- To protect the security or integrity of our websites, mobile applications and our business;
- As described to you at the point of collection; and
- Any other reason we may communicate to you from time to time.
If you use our websites to connect with third-party services, you authorize us to use information from and about you, on your behalf, to interact with these third-party services based on your requests.
Service Providers
We may employ third-party service providers to perform functions related to our mobile application, website, products or services. These service providers will have access to your information needed to perform their business functions, but we do not permit them to use or share the information for any other purpose.
Information Disclosure
We may disclose the information we collect from and about you as follows:
- To our third-party service providers that provide business, professional or technical support functions for us;
- As necessary if we believe that there has been a violation of the Terms of Use or of our rights or the rights of any third party;
- To respond to judicial process or provide information to law enforcement or regulatory agencies, or in connection with an investigation on matters related to public safety, as permitted by law, or otherwise as required by law;
- As described to you at the point of collection.
We may share aggregate or anonymized non-personal information with third parties.
How Long We Keep Your Information
We keep your information for as long as reasonably necessary to provide you with the Services or to comply with applicable law. Even after you delete or deactivate your account, we will keep information about you and your transactions or your interaction with our Services for as long as is necessary to comply with applicable law.
California Residents
If you live in California, you may have the right to request (no more than twice in a 12-month period) to see the following information about the personal information we have collected about you during the past 12 months:
- The categories and specific pieces of personal information we have collected about you;
- The categories of sources from which we collected the personal information;
- The business or commercial purpose for which we collected the personal information;
- The categories of third parties with whom we shared the personal information; and
- The categories of personal information about you that we disclosed for a business purpose, and the categories of third parties to whom we disclosed that information for a business purpose.
Subject to certain exceptions the law provides, such as those pursuant to the Gramm-Leach-Bliley Act and the California Financial Information Privacy Act, you have the right to ask us to delete the personal information we have collected from you. Please note that we may not comply with a request to delete your information if there is one or more exceptions the law provides, and you may no longer be able to use our Services if you delete your personal information. To the extent permitted by applicable law, we may charge a reasonable fee to comply with your request.
We will not discriminate against you, deny, charge different prices for, or provide a different quality of goods or services if you choose to exercise your rights under applicable California law.
Option to Opt-Out of Email Marketing
At all times, you have the option of "opting out" of receiving future email marketing messages from MovoCash, Inc. by clicking on the "unsubscribe" link at the bottom of an email marketing message.
Links to Other Websites
Our mobile application or website may have links to third-party websites or applications, which may have privacy policies that differ from our own. We are not responsible for the practices of such websites or applications.
Children's Privacy
Protecting children's privacy is important to us. We do not direct our mobile application, website, products or services to, nor do we knowingly collect any personal information from, children under the age of thirteen.
Data Security
We have taken certain physical, administrative, and technical steps to safeguard the information we collect from and about our customers. While we make every effort to help ensure the integrity and security of our network and systems, we cannot guarantee our security measures.
Access to Your Personal Information
If our mobile application, website, products or services allow you to create an account, you may sign in to your account to update your personal information stored by us.
Questions
If you have any questions about this Privacy Statement or the practices described herein, you may contact us at support@movo.cash.
Acceptance & Revisions
By using our mobile application and/or website, you signify your acceptance to the terms of this Privacy Statement. If you do not agree with the terms of this Privacy Statement, please do not use our mobile application or website.
We reserve the right, at our sole discretion, to change, modify, add, remove, or otherwise revise portions of this Privacy Statement at any time. When we do, we will post the change(s) on our mobile application and our website. Your continued use of our mobile application or website following the posting of changes to these terms means you accept these changes. If we change the Privacy Statement in a material way, we will provide appropriate notice to you.