For additional information about the privacy choices you may have
regarding your personal information, please review the Your Privacy
Choices section below.
By using our Services (as defined below), you agree that your
personal information will be handled as described in this Policy. Your
use of our Services and any dispute over privacy, is subject to this
Policy and our Terms of Service, available at https://grace.money/terms-of-service,
including their applicable terms governing limitations on damages and
the resolution of disputes.
Scope
Except as otherwise described below, this Policy applies to our
online and offline personal information processing activities including,
but not limited to: visitors to our website where this Policy is posted,
including https://grace.money (the
“Site”); individuals who sign up for, or create an
account with us to access and use certain features of our services;
individuals who register for or participate in our events, surveys,
research, promotions, and sweepstakes conducted by us; individuals who
subscribe to receive news, information, and marketing communications and
materials from us; current, former, and prospective business partners,
and service providers; and individuals who communicate or otherwise
interact or engage with us or the services available through our Site or
other online services (collectively referred to as the
“Services”).
Personal Information Collected
We collect personal information directly from you, from third-party
sources, and automatically through your use of the Services. To the
extent permitted by applicable law, we may combine the personal
information we collect from publicly available or third-party sources.
The personal information we collect varies depending upon your use of
our Services and our interactions with you.
Personal Information Collected Directly. We may
collect the following personal information directly from you:
- Communications and Interactions. When you
communicate or interact with us or our Services, including if you sign
up for our newsletter, complete forms on our Site, interact with our
social media pages, post a product review or testimonial, submit content
to the Services, or otherwise engage with us or our sponsored content,
we may collect your name, email address, phone number, or other similar
identifiers, as well as your message, the nature of your inquiry, and
any other information you choose to provide.
- Account and Profile Information. When you sign in
or create an account in connection with our Services, we may collect
your name, address, date of birth, SSN, email address, phone number, as
well as any other information used in connection with accessing your
account or that you otherwise submit to us through your account.
- Purchases and Payments. When you make a purchase or
payment through our Services, we may collect information such as payment
type, payment card details, billing information, shipping address,
purchasing information, such as details of SKUs and products purchased,
and any other financial or commercial-related information necessary to
enable our Services.
- Chat Function or Virtual Assistant. We may collect
information you submit through our chat functions and/or virtual
assistants we make available through the Services. We and any service
providers we use to administer these features may monitor and record
your communications with us and we and these providers may also maintain
communication records regarding information provided to us.
- Promotional Information. If you agree to receive
marketing communications from us, we may collect your contact details,
preferences, and if relevant, information about your account and
profile, including the Services and features you use.
- Responses and Feedback. If you participate in
surveys, questionnaires, or research activities or initiatives conducted
by us, such as for market research, user satisfaction, or other similar
purposes, we may collect your responses and feedback, and any other
information you choose to provide.
- Preferences and Other Requests. We may collect
information about your preferences, including communications
preferences, preferences related to your use of our Services, and any
other preferences or requests you provide when interacting with us.
- Business Development Information. To assess and
pursue potential business opportunities, we may collect and receive
personal information about current, former, and prospective business
partners, and vendors and service providers, including contact
information and other similar identifiers, company and
professional-related information, and communications records.
Personal Information Collected from Third Parties.
We may collect and receive personal information from third party
sources, such as business partners, data analytics and marketing
providers, operating systems, social media platforms, public databases,
customers and other users, and service providers or other third parties
who provide services or perform functions on our behalf. We may collect
the following information from third-party sources:
- Social Media Information. While using our Services,
you may enable social media sharing features. If you enable such
features, we may collect or receive personal information from any social
media platform you connect to our Services. For example, we may collect
information related to your account and profile, your public postings,
and other similar information available on your social media profile.
You should check your privacy settings on each social media platform
that you connect to our Services to better understand how your personal
information may be used, disclosed, or otherwise processed by these
platforms.
- Lead and Prospect Information. We may receive lead
information from third parties about prospective customers that may be
interested in our Services. We may also engage with third parties to
enhance or update our customer information. For example, we may receive
certain personal information from data analytics and marketing providers
for marketing and advertising purposes, and for purposes of reaching new
customers.
- Referral Information. We may offer users the
ability to invite friends or refer other users to access or use our
Services. In doing so, we may collect and receive certain personal
information about individuals referred to our Services.
- Integrated Service Information. We may use
integrated services that allow you to access, register for, place
orders, or otherwise interact with the Services. If you access or
interact with our Services via these integrated services, we may collect
or obtain certain personal information from these integrated services.
You should check the privacy settings on each integrated service to
better understand how your personal information may be used, disclosed,
or otherwise processed by these parties.
- Telco Data. We may receive information from
telecommunications carriers and telco data aggregators used to assess
the risk profile of a phone number such as the line type (e.g. mobile,
landline, VoIP, pre-paid), active status, current and previous carriers,
call forwarding settings, contract and account type, SIM swap history,
porting history, and the city/country where the phone number was
initially registered. We may also receive confirmation about whether
personal data provided by you matches personal data held by your phone
carrier and confirmation if the device you are using is registered on
the carrier network with the phone number you provide.
Personal Information Collected Automatically. We may
automatically collect or derive personal information related to your use
of our Services, including through the use of cookies, pixel tags, and
other similar technologies. This may include:
- Device and Browsing Information. When you use our
Services, we may collect browser type, domain name, page views, access
times, date/time stamps, operating system, language, device type, unique
ID, Internet service provider, referring and exiting URLs, clickstream
data, and other similar device and browsing information.
- Activities and Usage. We also may collect activity
information related to your use of the Services, such as information
about the links clicked, searches, features used, items viewed, time
spent within the Services, your interactions with us within the
Services, and other similar activity and usage information.
- Location Information. We also may collect or derive
general location information, such as through your IP address.
Additionally, with your permission, we may collect geolocation
information from your device. You may turn off location data sharing
through your device settings.
For more information about our use of cookies and other similar
technologies, please see the Cookies and Other Tracking Mechanisms
section below.
How We May Use Personal Information
We may collect, use, disclose and otherwise process personal
information for the following purposes:
- Services and Support. To enable our Services,
communicate with you about your use of the Services, provide
troubleshooting, technical support, and for similar support purposes,
respond to your inquiries, fulfill your requests, and to otherwise run
our day-to-day operations.
- Account Creation and Management. To enable account
creation and management, including allowing you to create a profile and
set preferences.
- Analytics and Improvement. To better understand how
users access and use the Services, and for other research and analytical
purposes, such as to evaluate, develop, and improve our Services and
business operations, and for internal quality control and training
purposes.
- Communication. To respond to your questions, send
you requested materials and newsletters, as well as information and
materials regarding our Services and our offerings. We may also use this
information to send administrative information to you, for example,
information regarding the Services and changes to our terms and
policies.
- Customization and Personalization. To tailor
content we may send or display on the Services, including to offer
location customization and to otherwise personalize your experiences and
offerings.
- Marketing and Advertising. For marketing,
advertising, and promotional purposes. For example, to send you
promotional information about our Services, including information about
sales, discounts, and new offerings, as well any other information that
you sign up to receive.
- Research and Surveys. To administer surveys and
questionnaires, such as for market research or user satisfaction
purposes.
- Insight Development and Data Enhancement. We may
combine personal information collected through the Services with other
information that we or third parties collect in other contexts to obtain
insights into how our Services are used.
- Planning and Managing Events. For event and webinar
planning, and other management-related purposes, such as registration,
attendance, connecting you with other event attendees, and contacting
you about relevant events and Services.
- Security and Protection of Rights. To protect the
Services and our business operations, and to protect our rights or those
of our stakeholders; to prevent and detect fraud, unauthorized
activities and access, and other misuse; where we believe necessary to
investigate, prevent or take action regarding illegal activities,
suspected fraud, situations involving potential threats to the safety or
legal rights of any person or third party, or violations of our Terms of
Use.
- Compliance and Legal Process. To comply with
applicable legal or regulatory obligations, including as part of a
judicial proceeding, to respond to a subpoena, warrant, court order, or
other legal process, or as part of an investigation or request, whether
formal or informal, from law enforcement or a governmental
authority.
- Auditing, Reporting, and Other Internal Operations.
To conduct financial, tax and accounting audits, audits and assessments
of our operations, including our privacy, security and financial
controls, as well as for risk and compliance purposes. We may also use
personal information to maintain appropriate business records and
enforce our policies and procedures.
- General Business and Operational Support. To assess
and implement mergers, acquisitions, reorganizations, bankruptcies, and
other business transactions such as financings, and to administer our
business, accounting, auditing, compliance, recordkeeping, and legal
functions.
Disclosures of Personal Information
We may disclose the personal information we collect for the purposes
described above and as follows:
- Vendors and Services Providers. We may disclose
personal information we collect to our service providers, processors,
and others who perform functions on our behalf. These may include, for
example, IT service providers, help desk, payment processors, analytics
providers, consultants, auditors, and legal counsel.
- Affiliates and Subsidiaries. We may disclose
personal information we collect to our affiliates or subsidiaries who
will use and disclose this personal information in accordance with this
Policy.
- Business Partners. Any information that we collect
and process on behalf of a business client will be disclosed to the
business client and otherwise shared as directed by that business
client.
- Third Party Marketing and Analytics Providers. We
may disclose or make available personal information to third party
platforms and providers that we use to provide or make available certain
features or portions of the Services, or as necessary to respond to your
requests. We may also make personal information available to third
parties to support our marketing, analytics, advertising, and campaign
management.
- Compliance and Legal Obligations. We may disclose
personal information to third parties to comply with our legal and
compliance obligations and to respond to legal process. For example, we
may disclose information in response to subpoenas, court orders, and
other lawful requests by regulators and law enforcement, including
responding to national security or law enforcement disclosure
requirements. This may include regulators, government entities, and law
enforcement as required by law or legal process. Additionally, it may
include certain disclosures that we are required to make under
applicable laws, such as the names of sweepstakes and contest
winners.
- Security and Protection of Rights. We may disclose
personal information where we believe it is necessary to protect the
Services, our rights and property, or the rights, property and safety of
others. For example, we may disclose personal information in order to
(i) prevent, detect, investigate and respond to fraud, unauthorized
activities and access, illegal activities, and misuse of the Services,
(ii) situations involving potential threats to the health, safety, or
legal rights of any person or third party, or (iii) enforce, and detect,
investigate and take action in response to violations of, our Terms of Service. We may
also disclose information, including personal information, related to
litigation and other legal claims or proceedings in which we are
involved, as well as for our internal accounting, auditing, compliance,
recordkeeping, and legal functions.
- In Support of Business Transfers. If we, or our
affiliates are, or may be acquired by, merged with, or invested in by
another company, or if any of our assets are, or may be, transferred to
another company, whether as part of a bankruptcy or insolvency
proceeding or otherwise, we may transfer the information we have
collected from you to the other company. We may also share certain
personal information as necessary prior to the completion of such a
transaction or corporate transactions such as financings or
restructurings, to lenders, auditors, and third-party advisors,
including attorneys and consultants, as part of due diligence or as
necessary to plan for a transaction.
- Aggregate and Deidentified Information.
Notwithstanding anything else in this Policy, we may use, disclose, and
otherwise process aggregate and deidentified information related to our
business and the Services with third parties for quality control,
analytics, research, development, and other purposes.
- Other Disclosures. We may disclose personal
information in other ways not described above, but will notify you and,
if necessary, obtain your consent.
Cookies and Other Tracking Mechanisms
We use cookies, pixels, local storage objects, log files, APIs, and
other mechanisms to automatically collect browsing, activity, device,
and similar information within our Services and to target advertising
and content. We may also engage third-parties or service providers to do
the same. We use this information to, for example, analyze and
understand how visitors interact with our Services; identify and resolve
bugs and errors in our Services; assess, secure, protect, optimize and
improve the performance of our Services; conduct marketing and analytics
activities; and personalize content in our Services. To manage your
preferences regarding cookies, targeted advertising, and other tracking
mechanisms within our Services, please see Your Privacy Choices
below.
Cookies. Cookies are alphanumeric identifiers that
we transfer to your device’s hard drive through your web browser for
record-keeping purposes. Some cookies allow us to make it easier for you
to navigate our Services, while others are used to enable a faster
log-in process, support the security and performance of the Services, or
allow us to track activity and usage data within Service.
Pixel Tags. Pixel tags (sometimes called web beacons
or clear GIFs) are tiny graphics with a unique identifier, similar in
function to cookies. While cookies are stored locally on your device,
pixel tags are embedded invisibly within web pages and online content.
We may use these, in connection with our Services to, among other
things, track the activities of users, help us manage content and
compile usage statistics. We may also use these in HTML e-mails we send,
to help us track e-mail response rates, identify when our e-mails are
viewed, and track whether our e-mails are forwarded.
Local Storage Objects. Local storage is a web
storage mechanism that allows us to store data on a browser that
persists even after the browser window is closed. Local storage may be
used by our web servers to cache certain information in order to enable
faster loading of pages and content when you return to our websites. You
can clear data stored in local storage through your browser. Please
consult your browser help menu for more information.
Targeted Advertising. We work with third parties,
such as ad networks, channel partners, mobile ad networks, analytics and
measurement services and others (“third-party ad companies”) to
personalize content and display advertising within our Services, as well
as to manage our advertising on third-party sites, mobile apps, and
online services. We may share certain information with these third-party
ad companies, and we and them may use cookies, pixels tags, and other
tools to collect usage and browsing information within our Services, as
well as on third-party sites, apps and services, such as IP address,
location information, device ID, cookie and advertising IDs, and other
identifiers, as well as browsing information. We and these third-party
ad companies use this information to provide you with more relevant ads
and content within our Services and on third-party sites and apps, and
to evaluate the success of such ads and content.
Cross-Device Tracking. We and our third-party
providers may use the information we collect within our Services and on
other third-party sites and services to help us and these third parties
to identify other devices that you use (e.g., a mobile phone, tablet,
other computer, etc.).
Third-Party Advertising. We work with third parties,
such as ad networks, channel partners, mobile ad networks, analytics and
measurement services and others (“third-party ad companies”) to
personalize content and display advertising within our Services, as well
as to manage our advertising on third-party sites, mobile apps and
online services. We may share certain information with these third-party
ad companies, and we and they may use cookies, pixels tags, and other
tools to collect usage and browsing information within our Services, as
well as on third-party sites, apps, and services, such as IP address,
location information, device ID, cookie and advertising IDs, and other
identifiers, as well as browsing information. We and these third-party
ad companies use this information to provide you more relevant ads and
content within our Services and on third-party sites and apps, and to
evaluate the success of such ads and content.
Custom Lists and Matching. We may share or make
available certain customer list information (such as your name, email,
and other contact information) with third parties (i) so that we can
better target ads and content to you across third party sites, platforms
and services, and (ii) in some cases, these third parties may help us to
enhance our customer lists with additional demographic or other
information, so we can better target our advertising and marketing
campaigns.
Your Privacy Choices
We make available several ways that you can manage your privacy
choices and submit privacy requests related to your personal
information. Some of these choices are browser and device specific,
which means that you need to set the preference for each browser and
device you use to access our Services. In addition, if you delete or
block cookies, you may need to reapply these preferences to each browser
and/or device used to access our Services.
These options include:
- Account and Profile Information. You can review and
update some of the personal information we maintain about you by logging
into your account and updating your profile information directly within
our Services.
- Marketing Communications. We may send periodic
promotional emails or other similar communications to you, in accordance
with applicable law. You may opt-out of these communications by
following the instructions provided to you in the communication. If you
opt-out of receiving promotional content from us, we may still send you
communications about your account or any services you have requested or
received from us. Additionally, you can manage your communication
preferences in your account settings.
- Push Notifications. You can manage the type of push
notifications you receive from us by adjusting your device settings or
by modifying the settings within our Services.
- Cookie Settings. To prevent cookies from tracking
your activity on our Site or visits across multiple websites, you can
set your browser to block certain cookies or notify you when a cookie is
set; you can also delete cookies. The “Help” portion of the toolbar on
most browsers will tell you how to prevent your device from accepting
new cookies, how to have the browser notify you when you receive a new
cookie, or how to delete cookies. Visitors to our Site who disable
cookies will be able to browse the Site, but some features may not
function.
- Browser Signals/Do Not Track. Our Site currently
does not respond to “Do Not Track” signals. You may, however, disable
certain tracking as discussed in this section (e.g., by disabling
cookies); you also may opt-out of targeted advertising by following the
instructions in the Industry Ad Choice Programs section below.
- Industry Ad Choice Programs. You can also control
how participating third-party ad companies use the information that they
collect about your visits to our Site and those of third parties, in
order to display more relevant targeted advertising to you. If you are
in the U.S., you can obtain more information and opt out of receiving
targeted ads from participating third-party ad networks at aboutads.info/choices (Digital
Advertising Alliance). Opting out of participating third party ad
networks does not opt you out of being served advertising. You may
continue to receive generic or “contextual” ads on our Site. You may
also continue to receive targeted ads on other websites, from companies
that do not participate in the above programs.
External Links and Features
Our Service may contain links to third-party websites or features or
provide certain third-party connections or integrated services. Any
access to and use of such linked websites, features, or third-party
services is not governed by this Policy. We are not responsible for the
information practices of such third parties, including their collection,
use, and disclosure of your personal information. You should review the
privacy policies and terms for any third parties before proceeding to
those websites or using those third-party features or services.
Children’s Privacy
Our Services are not designed for children, and we do not knowingly
collect personal information from children under 18. If you are under
the age of 18, please do not submit any Personal Information to us. If
you are a parent or legal guardian and you believe we have collected
your child’s information in violation of applicable law, please contact
us using the contact information in the Contact Us section
below.
Security
We have implemented safeguards intended to protect personal
information from loss, misuse, unauthorized access, disclosure,
alteration, or destruction. Please be aware that despite our efforts, no
data security measures can guarantee security.
Additional Information for California
Residents
Shine the Light Law
Under California’s “Shine the Light” law (Cal. Civ. Code § 1798.83),
California residents who provide us certain personal information are
entitled to request and obtain from us, free of charge, information
about the personal information (if any) we have shared with third
parties for their own direct marketing use. Such requests may be made
once per calendar year for information about any relevant third-party
sharing in the prior calendar year. To submit a “Shine the Light”
request, email us using the Contact Us information below, and include in
your request a current California address and your attestation that you
are a California resident.
Changes to this Policy
This Policy is current as of the effective date set forth above. We
may change this Policy from time to time, so please be sure to check
back periodically. We will post any updates to this Policy on this page.
If we make material changes to how we collect, use, or disclose the
personal information we have previously collected, we will endeavor to
provide you prior notice as required by applicable law, such as by
emailing you or posting prominent notice on our website or within the
Services.
Contact Us
If you have any questions or concerns regarding this Policy or our
privacy practices, you may contact us at hello@grace.money.