Abound Mobile Application Privacy Policy
Introduction
Abound Inc. ("Abound" or "We" or “Us” or “Our”) respects your privacy and is committed to protecting it through Our compliance with this policy. This policy describes:
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The types of information we may collect or that you may provide when you download and register with, access or use, or transact with the Abound Application or associated website, any associated content, material, or functionality contained on the Abound Application, all interactive features, applications, widgets, blogs, social networks and social network pages, and other online or wireless offerings that post a link to this Privacy Policy, whether accessed via computer, mobile device or other technology or any associated content, material, or functionality contained on the Abound Application (collectively, the "App"). The App is owned, developed and managed by Abound.
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Our practices for collecting, using, maintaining, processing, accessing, storing, protecting and disclosing that information.
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Your rights under applicable law.
Service Providers
Abound has relationships with certain service providers in order to provide its services to you. Abound has contracted with Synapse Financial Technologies, Inc. (“Synapse”), a backend technology service provider that owns or otherwise has relationships with Synapse Brokerage LLC, a registered broker-dealer and member of FINRA and SIPC and certain banks and financial institutions and service providers (each of the foregoing being a “Partner Financial Institution”). Among other services, Synapse assists Abound with “Know Your Customer” requirements and other obligations.
For purposes of satisfying “Know Your Customer” requirements, Abound asks for your identifying information, such as your name, email address, tax identification number, address, telephone number, date of birth, gender, videos, and photographs that may contain images of your face, including your driver’s license or government-issued identification number or card. Abound will also collect information pertaining to your account transactions. Your personal information will be shared with Synapse and will be subject to the Synapse Privacy Policy. Synapse will share your information as necessary with its Partner Financial Institutions and other service providers in connection with providing their services. The privacy policies of Synapse, its affiliates’ and its Partner Financial Institutions can be found here.
Children under the Age of 16
The App is not intended for children under 16 years of age, and we do not knowingly collect personal information from children under 16. If we learn we have collected or received personal information from a child under 16, we will delete that information. Please be aware that we may not be able to fully delete certain user information until the user cancels their subscription through their Apple account. If you believe we might have any information from or about a child under 16, please contact us at the e-mail address provided to you in Contact Information section.
Information We Collect and How We Collect It
The below chart summarizes our collection, use, and disclosure of personal information:
Transaction Data Specifics
The Rakuten Card Linked Offer Network (“RCLON”), is the service provider of card-linked-offer content for Abound. Notwithstanding anything to the contrary in the Terms or Privacy Policy, we and our service providers (including RCLON will use transaction information solely as follows:
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Use transaction data to confirm a qualifying purchase or return to match transactions to confirm whether you qualify for a statement credit or an offer;
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Share transaction data with the participating merchant where a transaction occurred as needed for the merchant to confirm a specific transaction occurred or points should be awarded; for example, the date and amount of your purchase and the last 4 digits of your card number so the merchant can verify your purchase with its records if there is a missing or disputed transaction;
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Provide participating merchants or third party service providers aggregated and anonymized information relating specifically to registered card activity solely to allow participating merchants and third party service providers to assess the results of their campaign;
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Create a record of the transaction data and thereafter maintain and use data in connection with operating the Abound program;
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Conduct analysis for the improvement and optimization of the program; and
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Provide information in order to respond to a request from government authority or a payment organization involved in a transaction with you or a merchant.
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By registering a payment card in connection with transaction monitoring, you authorize the Rakuten Card Linked Offer Network (“RCLON”) to share your payment card information with Mastercard, Visa and American Express so it knows you enrolled. You authorize Mastercard, Visa and American Express to monitor transactions on your registered card(s) to identify qualifying purchases in order to determine whether you have qualified for or earned an offer linked to your payment card, and for Mastercard, Visa and American Express to share such transaction details with RCLON to enable your card-linked offer(s) and target offers that may be of interest to you. You may opt-out of transaction monitoring on the payment card(s) you have registered by going to the profile section and tapping on the card you want to remove and then tapping the “Remove Card” button.
You authorize the sharing, exchange and use of transaction data described above and herein by and among us and our third party service providers, applicable payment card networks and applicable merchants.
Other Information Collection Technologies.
The technologies we use for automatic information collection may include:
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Cookies. A cookie is a small file placed on your smartphone or browser. It may be possible to refuse to accept mobile cookies by activating the appropriate setting on your browser or smartphone. However, if you select this setting you may be unable to access certain parts of our App.
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Web Beacons. Pages of the App may contain small electronic files known as web beacons (also referred to as clear gifs, pixel tags and single-pixel gifs) that permit Abound, for example, to count users who have visited those pages and for other related app statistics (for example, recording the popularity of certain app content and verifying system and server integrity).
Third-party Information Collection
When you use the App or its content, certain third parties may use automatic information collection technologies to collect information about you or your device. Those third parties may have their own privacy practices and policies. These third parties may include but are not limited to:
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Advertisers, ad networks and ad servers.
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Analytics (including marketing analytics) and digital platform management companies.
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Your mobile device manufacturer.
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Your mobile service provider.
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Plaid, Stripe, your card issuer or other financial services provider.
Other Disclosure of Your Information
In addition to the disclosures described above, we may disclose personal information that we collect or you provide:
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To our affiliates, group companies, holding companies, located within and/ or outside the US, including in India. Some of our affiliates and/or group companies may offer subsidized service and other offerings to Abound members. As disclosed above, we may integrate your personal information with other group companies’ tools and databases. Those group companies may use that integrated information to enhance their marketing effectiveness and deliver targeted ads. Please find the Times Internet’s, one such group company, privacy policy here.
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To our licensed money transfer vendor, Stripe, in the event that you direct us to transfer funds internationally, in which case Stripe’s privacy policy will apply.
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To a buyer or other successor in the event of a merger, divestiture, restructuring, reorganization, dissolution or other sale or transfer of some or all of Abound Inc.'s assets, whether as a going concern or as part of bankruptcy, liquidation or similar proceeding, in which personal information held by us about our App users is among the assets transferred.
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To comply with any court order, investigation, law or legal process, including to respond to any government or regulatory request.
In order for you to make purchases through the App, service providers like Plaid and Stripe may collect and share financial and payment card account information. This information is shared with Us on a tokenized basis and with your authorization. From some of our service providers and/or business partners, we receive details about specific transactions. You can learn more about Stripe's privacy policy here, Plaid's privacy policy here, and their relationship to provide you with money transfer services here.
The App will also allow you to intentionally interact with third parties, such as those whose products or services are made available through the App. Also, our concierge offering is made available through an automated chat feature provided by Haptik, which you can learn more about here. You can read Haptik's privacy policy here. By using the concierge services, you may also correspond with You Man in India (YMII), which will have access to personal information such as your communications and commercial preferences. You can learn more about YMII's concierge services here, and find its privacy policy here.
We do not necessarily control third parties' collection or use of your information to serve interest-based advertising. However, these third parties may provide you with ways to choose not to have your information collected or used in this way. You can opt out of receiving targeted ads from members of the Network Advertising Initiative ("NAI") on the NAI's website.
Your California Privacy Rights
Data Subject Rights – California Residents
This portion of our Privacy Policy advises California residents of rights provided in the California Consumer Privacy Act (“CCPA”) and how to effectuate those rights by communicating with us. Please note, we will seek to verify your identity when we receive an individual rights request from you in order to ensure the security of your personal information.
Please direct any rights requests (as further described below) or additional questions you may have regarding this Privacy Policy via email or regular mail to:
Email: support@joinabound.com
Address: 2261 Market Street #4468, San Francisco, CA 94114
If you do, we will need to collect personal information and other information such as your name, email or transaction history in order to verify your identity. You may also authorize an agent to make a request on your behalf, who will need to provide similar information for verification.
Right to Deletion of Personal Information
California residents have the right to request the deletion of personal information as prescribed in Section 1798.105(a) of the CCPA. Abound may not delete some or all requested personal information as allowed or required by applicable law. Moreover, please be aware that we may not be able to fully delete certain user information until the user cancels their subscription through their Apple account.
Right of Access: Right to Request Disclosure of Information Collection and Sharing Practices
You may request to receive details about how we collect, use, and share your personal information. Specifically, you may request to receive the specific pieces of personal information that we have collected about you.
You may also request to receive:
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the categories of personal information that we have collected about you,
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the categories of personal information that we have disclosed for a business purpose,
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the categories of sources from which we collected the personal information,
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our purposes for collecting that personal information, and
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the categories of parties with whom we share your personal information.
Right to Opt-Out of Sale
We do not, and do not intend to, sell your personal information.
Right to not be Discriminated Against for Exercising CCPA Rights
We do not discriminate against you for exercising any CCPA rights, such as the access and deletion rights described above.
Do Not Track
We treat the information of everyone who comes to our App in accordance with this Privacy Notice, regardless of their “Do Not Track” setting.
Information Security
We have implemented measures designed to secure your personal information from accidental loss and from unauthorized access, use, alteration and disclosure. Unfortunately, the transmission of information via the internet and mobile platforms is not completely secure. Although we do our best to protect your personal information, we cannot guarantee the security of your personal information transmitted through our App. Any transmission of personal information is at your own risk. We are not responsible for circumvention of any privacy settings or security measures we provide.
If you receive a suspicious email on our behalf, we suggest you do not reply to it and do not open any attachments, click on links contained in the e-mail or provide any information in response to it. You can report suspected fraud involving us by sending an e-mail to legal@Abound.co. Please include the word "phishing" in the subject line of your e-mail and provide as much information as possible about the fraudulent activity or message. We do not send e-mails requesting a user for payment information, username or passwords. However, we may verify the user name, password etc. provided by you from time to time.
Online Account Management
If you elected to subscribe to any online services provided via the App, including the ability to access any password-protected areas of the App, you will be required to submit personal information for the purpose of verifying your identity and your authority to manage the account (“Access Credential Information”). This Access Credential Information will be used exclusively by Abound, our agents, suppliers and third-party service providers for internal use and to respond to your service requests.
Sweepstakes, Promotions, Contests & Surveys
Through the App, you may wish to participate in certain online polls, surveys, contests, sweepstakes and other promotions that may be offered from time to time by us, a partner, or other entity. Participation in these polls, surveys, contests, sweepstakes and promotions is completely voluntary; you have a choice about whether or not to disclose information required to enter. Information requested may include data such as your name, address, date of birth, phone number, mobile phone number, e-mail address, username, and/or similar information. Through these online polls, surveys and promotions, you may choose to participate in activities such as sharing information with others and sending email invitations. In connection with any online polls, surveys, contests, sweepstakes and other promotions that may be offered from time to time via the App, we use the information you provide to administer such the polls, surveys, contests, sweepstakes and other promotions. Subject to applicable contractual or legal restrictions, we also may use the information to communicate with you, or the other people you select, about our services or products. Any information that you submit to one of our partners or another entity through the App in the course of any poll, survey, contest, sweepstakes, or promotion offered by any third party shall be fully at your own risk, and Abound hereby disclaims all responsibility for any losses, liability, damages, or expenses that may arise from your submission of such information.
Changes to Our Privacy Policy
We may update our privacy policy from time to time. If we make material changes to how we treat our users' personal information, we will notify you by e-mail to the primary e-mail address specified in your account or an in-App alert the first time you use the App after we make the change. All such updates and amendments are effective immediately upon notice thereof. We expressly reserve the right to make any changes to this privacy policy at any time, without early or prior notice to you. The most recent version of the privacy policy is reflected by the effective date located at the bottom of this privacy policy. The version of this privacy policy posted at https://www.Abound.co/privacy on each respective date you use the App shall be the privacy policy applicable to your access and use of the App on that date. Our electronically or otherwise properly stored copies of this privacy policy shall be deemed to be the true, complete, valid, authentic, and enforceable copy of the version of this privacy policy which were in force on each respective date you used the App.
Contact Information
2261 Market Street #4468, San Francisco, CA 94114
To ask questions or comment about this privacy policy and our privacy practices, contact us at:legal@joinabound.com