Effective Date: June 6, 2023
This StipTrax Privacy Policy describes how the StipTrax of Companies (as defined in "Who We Are" below) process information collected on our websites and applications (including mobile) or through your online interactions with us (collectively, our "Services").
In some circumstances, we may provide you with additional or supplemental privacy notices to the extent they apply to you because of the products and services you obtain from us or different laws that may apply to you.
By using any of our Services, you acknowledge the privacy practices we describe in this StipTrax Companies Privacy Policy. You also acknowledge that you have read this policy and other policies described.
When we say "StipTrax of Companies," we mean companies that are controlled StipTrax.
We collect information you provide to us. For example, we collect information from you when you create a StipTrax account, fill out a form or otherwise submit content through our Services, are referred to us via one of our third-party professional partner relationships, make a purchase, communicate with us via third-party platforms, participate in a contest, promotion or survey, request customer support or information about our Services, or otherwise communicate with us.
The specific information we collect depends on the context in which you provide it, and could include:
We automatically collect certain information about your interactions with us or our Services, including:
Transactional Information: When you make a purchase or complete a transaction, we collect information about the transaction, such as product or service details, financial details and the date and location of the transaction.
Device and Usage Information: We collect information about how you access our Services, including data about the device and network you use, such as hardware model, operating system version, mobile network, IP address, unique device identifiers and device regional and language settings, browser type, and app version. We also collect information about your activity on our Services, such as access times, pages viewed, links clicked, products and services considered, and the page you visited before navigating to our Services.
Your Content: As you allow through your device or application, we may collect information and content stored on your device, such as photos.
Location Information: In accordance with your device permissions, we may collect information about the precise location of your device. You may stop the collection of precise location information at any time (see the Your Choices section below for details).
Information Collected by Cookies and Similar Tracking Technologies: We (and those who perform work for us) use tracking technologies, such as cookies and web beacons, to collect information about your interactions with the Services.
Cookies are small data files stored on your hard drive or in device memory that help us improve our Services and your experience, see which areas and features of our Services are popular and which emails and advertisements you view, authenticate users, reconstruct or observe activity relating to a session or by a user for troubleshooting, issue resolution, and other purposes, and count visits to our websites.
Web beacons (also known as "pixel tags" or "clear GIFs") are electronic images that we use on our Services and in our emails to help deliver cookies, count visits, and understand usage and campaign effectiveness. In our mobile apps, we may also use technologies that are not browser-based like cookies.
For example, our apps may include software development kits (known as SDKs) which are code that sends information about your use to a server. These SDKs allow us to track our conversions, bring you advertising both on and off the Service, and provide you additional functionality. For more information about these tracking technologies and how to disable them, see the Advertising and Analytics section below.
We obtain information from third-party sources in certain situations. For example, we may collect information about you from identity or other verification services, credit bureaus (including your credit report), advertising networks, mailing list providers, service providers and data brokers. Our Services also may allow or require you to integrate or connect to StipTrax with third-party services through service providers (such as Plaid).
The information we receive from such third parties varies depending on the information made available by those entities. Examples of the types of information we receive include financial account information, information about account balance, information about credit accounts, information about loan accounts, information about investment accounts, identifiers and information about account owners, information about account transactions and employment information.
Additionally, if you create or log into your StipTrax account through a third-party platform, such as Facebook or Google, we'll have access to certain information from that platform, such as your name, birthday, and profile picture, in accordance with the authorization procedures determined by such platform.
We may derive information or draw inferences about you based on the information we collect. For example, we may make inferences about your location based on your IP address or city or postal code or infer that you are looking to purchase certain products based on information you provide to us and your browsing behavior and past purchases.
We use the information we collect to provide our Services to you.
We also use the information we collect to:
We share personal information in the following circumstances or as otherwise described in this policy.
StipTrax and affiliates use and share your information with each other in accordance with this Privacy Policy. This allows the StipTrax and affiliates to manage and provide and offer you a variety of their services through a broad lifecycle of your personal and financial needs.
StipTrax also shares your information with our Affiliates. For example, we share, or may share, your information:
StipTrax shares your information with non-affiliated third parties in the following circumstances:
We share personal information to allow others to provide analytics services and serve advertisements across the web and in mobile apps. These entities may use cookies, web beacons, device identifiers and other technologies to collect information about your use of our Services and other websites and applications, including your IP address, web browser, mobile network information, pages viewed, time spent on pages or in mobile apps, links clicked and conversion information.
This information may be used by StipTrax and others to, among other things, analyze and track data, reconstruct or observe activity relating to a session, determine the popularity of certain content, deliver advertising and content targeted to your interests on our Services and other websites, and better understand your online activity.
For more information about interest-based ads, or to opt out of having your web browsing information used for behavioral advertising purposes, please visit www.aboutads.info/choices. Your device may also include a feature ("Limit Ad Tracking" on iOS or "Opt Out of Interest-Based Ads" or "Opt Out of Ads Personalization" on Android) that allows you to opt out of having certain information collected through mobile apps used for behavioral advertising purposes.
We also share personal information to work with third parties to serve ads to you as part of customized campaigns on third-party platforms (such as Facebook). As part of these ad campaigns, we or the third-party platforms may convert information about you, such as your email address or phone number, into a unique value that can be matched with a user account on these platforms to allow us to learn about your interests and serve you advertising that is customized to your interests. Note that third-party platforms may offer you choices about whether you see these types of customized ads.
StipTrax products are not intended for children. We don't direct our Services to children under 18, or knowingly attempt to solicit or receive information from children.
Processing Of Information in The United States and Other Countries
StipTrax is headquartered in the United States, and StipTrax offers goods and services to consumers in the United States. We have operations and vendors in the United States and other countries. Therefore, we and those that perform work for us may transfer your personal information to, or store or access it in, jurisdictions that may not provide levels of data protection that are equivalent to those of your home jurisdiction.
You may update and correct certain account information, or delete your account, by logging into your account or calling us at 563-508-9998. Please note that we may retain certain information as required by law or for our legitimate business purposes.
When you first launch any of our mobile apps that collect precise location information, you'll be asked to consent to the app's collection of this information. If you initially consent to our collection of such location information, you can subsequently stop the collection of this information at any time by changing the preferences on your mobile device. You may also stop our collection of this location information by following the standard uninstall process to remove our mobile apps from your device.
You may be using an Internet browser that can communicate your privacy preferences to the website, including requests not to track your usage and browsing history. Currently, our websites do not respond to these signals. StipTrax may track your activity on these websites and use that information as provided in this policy.
We may change StipTrax Privacy Policy from time to time. If we make changes, we'll notify you by revising the date at the top of this policy and, in some cases, we may provide you with additional notice, such as adding a statement to our website or sending you a notification. We encourage you to review this policy regularly to stay informed about our information practices and the choices available to you.
If you have questions regarding this StipTrax Privacy Policy, our information practices or other aspects of privacy relating to our Services, call us at 563-508-9998.
Certain states, including California, Colorado, Connecticut, Utah, and Virginia, require that we provide additional information regarding our privacy practices and your privacy rights. If you are a resident of those states, we may provide you additional notices about our privacy practices and consumer rights relating to your information. Some of the companies within StipTrax’s affiliates are financial institutions subject to other regulatory privacy frameworks, such as the Gramm Leach Bliley Act (GLBA), and the privacy disclosure and rights described in this section may not apply.
Sensitive Personal Information Social Security Number, driver’s license, state identification card, or passport number; account log-In, financial account, debit card, or credit card number in combination with any required security or access code, password, or credentials allowing access to an account; precise geolocation; racial or ethnic origin, religious or philosophical beliefs, or union membership; the contents of a consumer’s mail, email and text messages, unless the business is the intended recipient of the communication.
In California, you have the right to limit our processing of your Sensitive Personal Information to only uses which are necessary to perform the services or provide the goods reasonably expected by an average consumer who requests such goods or services. When we collect your Sensitive Personal Information, we collect and use that information to perform the services or provide the goods for which that information is necessary and as reasonably expected by you.
California requires that we notify you if we “Share” your personal information with third parties. In California, “Sharing” means we make available or otherwise disclose your information to third parties for cross-context behavioral advertising. Further, “cross-context behavioral advertising” means targeting of advertising to you based on your personal information obtained from your activity across businesses, websites, apps, and services other than our Services.
Similarly, privacy laws in Colorado, Connecticut, Utah, and Virginia require we notify you if we use your information for Targeted Advertising. Targeted Advertising means displaying advertisements to you where the advertisement is selected based on personal information obtained from your activities over time and across nonaffiliated websites or online applications to predict your preferences or interests.
Accordingly, we "Share" and use your information for Targeted Advertising. Specifically, we share your identifiers and internet or other network activity with our advertising partners.
You have the right to opt out of "sharing" or Targeted Advertising by accessing our Do Not Sell My Personal Information webpage.
We will not retain your personal information for longer than is reasonably necessary to carry out the purposes we disclose in this policy.
Subject to certain limitations, you have the right to (1) request to know more about the categories and specific pieces of personal information we collect, use, disclose and sell, and to access your information, (2) request deletion of your personal information, (3) request correction of your personal information and (4) not be discriminated against for exercising these rights.
You may make these requests by starting a request online or calling 563-508-9998. We'll verify your request by asking you to provide information related to your recent interactions with us.
If we receive your request from an authorized agent, we may ask for evidence that you've provided such agent with a power of attorney, or that the agent otherwise has valid written authority to submit requests to exercise rights on your behalf. If you're an authorized agent seeking to make a request, please contact us as set out above.