Oops privacy

Posted: December 23, 2021
Effective: December 23, 2021

Last Updated: December 23, 2021

Oops Finance, Inc., a Delaware corporation (“Oops”, “we”, or “us”), recognizes the importance of your privacy. We want you to feel confident using our services, and this privacy policy (“Privacy Policy” or “Policy”) is to help you understand and describe how we collect, use, and disclose your information.

This Policy describes the following:

“Site,” “App,” and “Services” all have the meanings given to them in our “Terms of Service,” which can be found here oops.finance/tos.

Anyone using the App, Site or one or more of the Services are referred to herein as “Users.” Users must have an Oops account. Throughout the Privacy Policy, “you” and “your” refer to Users and potential Users.

Any terms defined in the Terms of Service and not otherwise defined in this Privacy Policy are hereby adopted by reference in this Privacy Policy.

Information We Collect

The information we collect depends on how you use the App, Site and Services, your location, and applicable laws.

We may collect certain information about you that specifically identifies you or, when combined with other information we have, can be used to identify you, including, but not limited to, your name, telephone number, email address, and physical address, and we may also collect payment information, including your payment card number and associated billing information, and other profile information you upload to your account (collectively, “Personal Information”). We may also combine the information we have collected about you with information from publicly available sources.

The Services are not intended for children under the age of thirteen (13). If you are between the ages of thirteen (13) years old and eighteen (18) years old, you are not permitted to use our Sitexw or our Service unless you have obtained consent from your parent or legal guardian. We do not knowingly collect, maintain or use personal information (as defined by the Children’s Online Privacy Protection Act) from children under the age of thirteen (13), and should we discover we were provided with such information, we will promptly delete such Personal Information from our systems. If you are a parent or guardian and you are aware that your child under the age of thirteen (13) has provided us with Personal Information, please contact us at [email protected] so that we can take all necessary action.

Broadly speaking, the Personal Information we collect falls into the following categories:

  1. Information you provide us:

    In your communications with us, and through your use of our Site or Service, you or your organization may provide us with Personal Information voluntarily. This includes, but is not limited to:

    • Information you provide when you create an account, including without limitation, contact information, log in credentials, and other profile information and preferences that you upload to your account (such as your name, email address, and phone number);

    • Information you provide when you interact with the Services, including without limitation, financial information such as your account balance, descriptions of financial transactions, investment interests, budget names and amount, information about other users, and descriptions regarding the foregoing;

    • Information that is uploaded during troubleshooting and support (including the content of your chats and other communications with us) and other information that we obtain when you contact us with questions or comments;

    • Payment information: we use third party payment processors that collect and store your payment information, including your billing address and credit card information. We may collect and store payment related information (such as the payment amount, date, and card type); and

    • Information you provide when you choose to integrate the Services with other apps or functionalities on your mobile device (such as your photos or contacts), including information that may be contained in those other apps/functionalities.

      For example, when you connect your registered account with us to financial institutions and other third-party data sources (“Financial Data Sources”) or you otherwise provide us with access to information from those Financial Data Sources, we collect certain information about you. In order to sync information from these Financial Data Sources, we will collect certain financial information, including your account balance, transactions, and holdings. We may also collect certain credential information necessary to facilitate an integration with a Financial Data Source that you have chosen to make. We may use third-party data sources to assist in collecting and syncing your information, including financial information, from Financial Data Sources, and by connecting your account to a Financial Data Source, you agree to all applicable third-party sources’ terms and conditions and privacy policies.

  2. Information we collect automatically:

    We and our Service Providers (as defined below) use Cookies and other technologies to receive and store certain information, which may or may not be Personal Information. You may opt-out of relevant cookies using opt-out features on their respective websites. Based on your opt out preferences, we may automatically collect or receive information about you whenever you access the App, Site or Services. In some countries, this information is considered Personal Information under applicable data protection laws. Please be aware that if you disable or reject cookies, some features of the Services may not work properly.

    This information may include:

    • Device information:

      We collect information about the device and applications you use to access the Site or Service, including your IP address, browser, and operating system.
    • Log data:

      Our systems keep log data that includes information each time our App, Site or Services were accessed (such as time and originating IP address).
    • Usage data:

      We collect data about your usage whenever you interact with our App, Site or Services. In addition, we use third-party Service Providers to collect certain analytics including information about the activities of visitors to our App and Site.
    • Communications information:

      We collect information regarding communications (including notifications) sent using our App, Site or Services, or by us (such as delivery status of emails and replies to text notifications).
  3. Information we collect from other sources:

    We may get information about you from third-parties, such as social media platforms, other users of the Services, payment service providers, analytics service providers, and security service providers. Furthermore, if you access the Services through a third-party connection or log-in (e.g., a social media account), you may allow us to have access to and store certain information from such third-party services, depending on your settings on that service.

How We Use Your Information

We may use information we collect, including Personal Information, to do the following:

With Whom We May Share Your Information

We do not sell your Personal Information. We do not disclose your Personal Information in exchange for money. We do not share your Personal Information except as indicated within this Policy.

We may share your Personal Information and other information in the following ways:

Information Shared with Other Users

If you share your information with other Users, we take no responsibility for the way they use your information, and you provide such information at your own risk. If you feel your information is being misused, please contact us immediately and we will review this and take action as we deem appropriate. You can also contact us to ask to remove your information from our systems as defined in this Policy.

Your Rights and Choices

Security and Storage of Information

Oops takes the security of your Personal Information very seriously. We work hard to protect the Personal Information that you provide from loss, misuse, and unauthorized access, or disclosure. Oops uses Windows Information Protection (WIP); however, given the nature of communications and information processing technology, there is no guarantee that Personal Information will be absolutely safe from access, alteration, or destruction by a breach of any of our physical, technical, and managerial safeguards.

You should take steps to protect against unauthorized access to your device and account by, among other things, choosing a unique and complex password that nobody else knows or can easily guess and keeping your log-in and password private. We are not responsible for any lost, stolen, or compromised passwords or for any activity on your account via unauthorized password activity.

We retain the Personal Information we collect for so long as is reasonably necessary to fulfill the purposes for which the data was collected, to perform our contractual and legal obligations, and for any applicable statute of limitations periods for the purposes of bringing and defending claims.

Third-Party Links

Our Site may contain links to third-party websites and applications. Subject to your opt-out preferences (see Your Rights and Choices), we may also use third-party advertisers, ad networks, and other advertising, marketing, and promotional companies, to serve advertisements on our Site. Any access to and use of such linked websites and applications is not governed by this Policy but instead is governed by the privacy policies of those third parties. We do not endorse these parties, their content, or any products and services they offer. We are not responsible for the information practices of such third-party websites or applications, and should you choose to link to them through our Site you do so at your own risk.

Users Outside the USA

We host our App, Site Services, and any and all databases and servers in the United States. If you are an individual located in the European Union, the United Kingdom, Canada or another jurisdiction outside of the United States with laws and regulations governing Personal Information collection, use, and disclosure that differ from United States laws, you should not use our Site or Service or provide us with any of your information, whether Personal Information or otherwise. Please be aware that information we collect (including through the use of methods such as Cookies and other web technologies) will be processed and stored in the United States or in other countries where we or our third-party Service Providers have operations. By using Oops and submitting Personal Information, Users give their express consent to have it transferred to, processed, and stored in the United States or other jurisdictions which may not offer the same privacy protections available in your local jurisdiction or country of citizenship/residence.

Do Not Track

We do not support “Do Not Track” requests. To determine whether any of the third-party services we use honor “Do Not Track” requests, please read the individual privacy policy for each such service.

Dispute Resolution

To learn more about the Oops dispute resolution process, please see the oops.finance/tos.

Notice to California Residents

California laws, including the California Consumer Privacy Act and the “Shine the Light” law, give California residents certain rights regarding use and disclosure of “personal information” (as defined under California law). Oops will comply with all relevant California privacy laws, and will not share a User’s “personal information” with third parties for their own direct marketing purposes.

Notice to Nevada Residents

Nevada residents may have the right to opt out of the sale of “personally identifiable information” for monetary consideration (as such terms are defined under Nevada law). While Oops does not engage in the practice of selling “personally identifiable information” for monetary consideration, Users may submit a request to Oops to opt out of any potential future sales under Nevada law by emailing us at [email protected]. Oops will take reasonable steps to authenticate the identity of the User to verify the request, comply with the User’s opt out of sales request, and respond to such request.

Changes to this Policy

This Policy is current as of the date first set forth above.

Oops may change this Policy from time to time in its discretion, including if we change the way we handle information. We may also change this Policy to make clarifications or adjustments. If we make such changes, we will post them here. You are responsible for checking this page for such changes. If you continue using Oops after changes are made effective, you agree to the revised Policy.

Contacting Us

If you have any questions or comments about this Policy, please contact us at [email protected].