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:

• What information we collect and how it is collected;
• How we use the information;
• With whom we may share information;
• Legal basis for processing the information;
• Your rights and choices;
• Security and storage of the information;
• Third-party websites;
• Users outside the United States;
• California and Nevada Compliance;
• Changes to the Policy; and
• Contacting Oops.

“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:

• Provide the Oops Services:

  In order to provide the best Services we can, we will use the information you provide. We may use your information to: manage your account, respond to your inquiries, and provide customer service and support, among other things. We use the payment information you provide to charge you for any paid subscriptions, alert you of charges, present you with billing history and functionality, and perform internal financial processes.

• Improve our products:

  In order to improve on and develop our products and services, we analyze your use of, and interest in, our App, Site and Services, and in some cases services and content offered by others.

• Communicate with you:

  • Service related communications. We may send you service and administrative emails. These messages are considered essential components of the Services and you may not opt out of these messages.
  • Promotional. Unless you opt out, we may send you emails about Oops products and news, or other topics we think are relevant. You may opt out of receiving these communications at any time by following the unsubscribe instructions provided in the promotional email you receive or by emailing us directly at [email protected] with “OPT-OUT”, “UNSUBSCRIBE”, “STOP”, or “REMOVE” in the subject line. Removing your name from the email list may take a reasonable amount of time. Please note that, regardless of your request, we may still use and share certain information as permitted by this Privacy Policy or as required by applicable law.
  • Responding to your requests. We will use your information to respond to your questions or comments.
  • Administrative. We may contact you about changes in Services and offerings. We may also contact you with notices about Services and offerings, including changes to this Policy, and security and fraud notifications.
  • Research and analytics. Subject to your opt-out preference, we may contact you as part of research or data analytics projects to aid in our legitimate business interests in improving our services and products.

• Protecting Rights and Interests:

  We may use your information to protect the rights and interests of Oops and our users, and to enforce our Terms of Use and this Policy.

• Legal Compliance:

  We may use your information in complying with applicable legal and regulatory obligations. This includes complying with requests from law enforcement and other governmental authorities, and in meeting demands stemming from legal proceedings.

• Settle a charge dispute:

  In the event of a payment dispute, we may share account information with our payment processors or your bank to verify the legitimacy of a charge.

• Combined Information:

  We may combine the information that we collect through the Services with information that we receive from other sources and use such combined information in accordance with this Privacy Policy.

• Aggregate/De-identified Information:

  We may aggregate and/or de-identify any information collected through the Services so that such information can no longer be linked to you or your device (“Aggregate/De-Identified Information”). We may use Aggregate/De-Identified Information for any purpose, including without limitation for research and marketing purposes, and may also share such data with any third parties in our discretion.

• Other:

  In the course of managing our business or performing business functions, we may use your information in a way described to you at the time of collection, and subject to your consent.

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:

• With third-party Service Providers, agents, contractors, or government entities.

  In order to provide a valuable service, we may work with companies, agents, or contractors (“Service Providers”). We may engage Service Providers to process payments; monitor and develop Oops services; develop or maintain communications, infrastructure, or information technology services; provide customer service; collect debt; and analyze or enhance data. Service Providers may have access to your information as part of their duties. Service Providers may also collect information, which may be Personal Information, on our behalf. We may share information, which may be Personal Information, with Service Providers and government entities for the following reasons: to address legal, security and safety concerns; to enforce policies and contracts; to address security breaches; and to assist in investigations. We may also share information with the Financial Data Sources to help establish or maintain an integration you have chosen to make.

• We may share your data if we believe it is reasonably necessary for any of the following reasons:

  to comply with a law, regulation, legal, or governmental request, including any subpoena, court order, warrant, or other legal process; to enforce applicable Terms of Service or this Policy, including investigation of potential violations; to protect the safety, rights, or property of Oops, its Users, or the public; to detect, prevent, or otherwise address security or technical issues; to detect, prevent, or otherwise address illegal, or suspected illegal, activities, including fraud; or as evidence in litigation.

• Other Users.

  To the extent that you post content in any publicly-accessible parts of the Services or choose to make certain content or account information viewable by other users or the public, such content and information can be read, collected, and used by others with permission to view it.

• Affiliates.

  For research, marketing, and other purposes, we may disclose information to affiliates and subsidiaries in a manner consistent with this Policy.

• Your company.

  If you are using Oops as a member of a company or using a company email address, we may share information about your account with an authorized agent of your company upon request.

• Mergers and Sale Transactions.

  We may share your information, including Personal Information, in the event of a merger, divestiture, restructuring, reorganization, dissolution, or other sale or transfer of some or all of our business or assets, whether as a going concern or as part of bankruptcy, liquidation, or similar proceeding.

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

• Account.

  You can keep your Personal Information accurate and up to date by logging in and changing it. You may also contact us to request information about your Personal Information we have collected and to request corrections to it. You may also request that we delete your Personal Information or your entire account. We will try to honor your requests to the best of our ability, subject to any legal or contractual obligations. If you would like to make any of the aforementioned requests, please contact us at [email protected]. If you request for us to delete your account or Personal Information, we will only retain information as necessary to comply with legal obligations, resolve disputes, and enforce agreements.

• E-mail.

  You may opt out of promotional emails from us by following the opt-out link in any promotional email we send you. Please note that it may take up to ten (10) days for changes to take effect. If you opt out of promotional emails, we may continue to send service-related emails, which you may not opt-out from. If you do not wish to receive service-related emails, please delete your account.

• Cookies.

  You may disable Cookies via your browser settings or via limited opt-out functionality in Oops. Please refer to your browser’s help function for instructions about how to change Cookies settings. Please keep in mind that Oops uses Cookies to enable authentication and other features, so you may need Cookies in order to use the Site or Service.

• Third Party Analytics Services.

  Some of the third-party analytics services we use provide the ability to opt-out. You acknowledge that these third-party services are responsible for their own websites, services, and use of your Personal Information, and we recommend checking the website of each third-party service frequently.

• Additional Rights.

  Subject to local law, you may have additional rights under the laws of your jurisdiction regarding your Personal Information, such as the right to contact your local data protection authority for assistance.

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].