This Privacy Policy outlines the practices of Balanced Software LLC. (“Balance Pro,” “we,” “our,” or “us”) regarding the collection, usage, and disclosure of information gathered through our websites and mobile applications, which are owned and managed by us and are linked to this Privacy Policy. These platforms include but are not limited to the Balance Pro mobile app and www.balancepro.money, collectively referred to as the "Services."
REVIEW THIS PRIVACY POLICY CAREFULLY TO UNDERSTAND HOW WE MANAGE YOUR INFORMATION. IF YOU DO NOT CONSENT TO THE TERMS OUTLINED IN THIS PRIVACY POLICY, DO NOT USE OUR SERVICES.
1. Information We Collect
2. How We Use Your Information
3. Cookies and Other Tracking
4. Analytics and Advertising
5. How We Share Your Information
6. How We Protect Your Information
7. Retention of Your Information
8. Third Party Links
9. Your Choices
10. Children's Privacy
11. Other State Law Privacy Rights
12. Changes to This Privacy Policy
13. Contact Information
We collect information when you use our Services or engage with us in various ways. This information helps us provide and enhance our Services. Examples of the information we collect include:
Account Creation: When you create an account to utilize our Services, we gather contact and registration details, such as your name and email address. Additionally, we may collect payment information, including your payment card number and associated billing details. Furthermore, we may collect other profile data that you upload to your account.
Interaction with Services: While using our Services, we may collect the information you upload or provide, which can encompass financial information, including your account balance, descriptions of financial transactions, investment preferences, budget information (including names and amounts), details about other users, and credentials required for integrating with Financial Data Sources.
Customer Support: When you contact us with questions, comments, or for customer support, we may collect contact information, such as your name and email address, in addition to any information you share during your communication. Additionally, information posted in publicly-accessible sections of our Services may also be collected.
Promotions and Surveys: If you participate in promotions, events, surveys, or sweepstakes, we may collect contact information and any additional information you provide in connection with these activities.
Integration with Mobile Device: If you opt to integrate our Services with other apps or functionalities on your mobile device, such as photos or contacts, we will collect information contained within these other apps or functionalities, adhering to your app and device settings.
Connecting Financial Accounts: You may have the option to connect your bank or other financial accounts to your Balance Pro account. To synchronize data from these Financial Data Sources, we collect what we refer to as "Financial Information." This includes details such as your account balance, transaction history, and investment holdings.
Credential Information: In some cases, to facilitate the integration of your registered account with certain Financial Data Sources, we may need to collect specific credential information. This could include API keys required for connecting your registered account with us to cryptocurrency exchanges or wallets, for instance.
Third-Party Data Sources: We may utilize third-party data sources to assist in the collection and synchronization of your information, including Financial Information, from Financial Data Sources. Please be aware that when you connect your Balance Pro account to a Financial Data Source, you are agreeing to abide by all relevant terms and conditions and privacy policies established by these third-party sources.
We gather additional data from various sources, including fellow users of our Services, payment service providers supplying us with payment and balance details, analytics service providers, and security service providers. The latter group equips us with data to fortify our systems, thwart fraudulent activities, and bolster the overall security of our Services. If you use a third-party connection or log-in, such as "Sign in with Apple," to access our Services, you may grant us permission to access and retain specific information from these third-party services, contingent upon your settings within those services. If you prefer not to share this information, you can opt not to utilize these connections for accessing our Services. For further details, please refer to the privacy policies and terms of use provided by these third-party providers.
Device Information: We collect technical details associated with the device(s) you use to access our Services. This encompasses information concerning your browser, operating system, IP address (the unique Internet address of your device), distinctive device identifiers, and other relevant data, such as your device type.
Usage Information: To gain insights into your interaction with our Services, we collect a range of information. This may include details about the webpages, screens, or features within our Services that you utilize, the duration of your sessions, date and time of usage, how you engage with our Services, your usage preferences, email interactions (including whether you open an email and your interactions with email content), access times, error logs, and similar data. If you access our Services through a link on a third-party website, we may also receive specific click-through data, such as the webpage you were visiting prior to accessing our Services.
Location Information: In certain instances, we may collect your device's IP address or, with your permission based on your device settings, your mobile device's GPS signal when using specific Services. Additionally, we may gather location-related details such as city, state, county, and ZIP code associated with this information.
We utilize the information we collect from you in a multitude of ways to deliver our Services effectively and operate our business efficiently. Specifically, we may use your information for the following purposes:
Providing Information and Services: We use your data to offer the information and Services you request, ensuring a seamless experience.
Customer Service: Our aim is to provide you with effective customer service, and your information helps us achieve this.
Personalization: We personalize your experience and our communications to cater to your preferences and needs.
Transactional Purposes: This includes contacting you regarding your account, billing for Services, and processing payments.
Operational Communications: We may contact you with operational information and notices related to your use of our Services.
Promotions and Offers: Periodically, we may send you special offers and promotional content related to our Services, taking into account any privacy preferences you have shared with us.
Engagement and Feedback: You may be invited to participate in promotions, sweepstakes, surveys, and provide feedback to help us enhance our Services.
Improvement of Services: We analyze your usage of our Services to enhance content, functionality, and usability.
Security: Your data helps us secure our Services, investigate and prevent fraud, address security concerns, and prevent misuse.
Issue Resolution: We utilize your information to understand and resolve app crashes and other issues reported by users.
Compliance: We may use your data to comply with procedures, laws, and regulations when necessary for our legitimate interests or those of others.
Legal Purposes: Data may be employed to establish, exercise, or defend our legal rights, including enforcing our Terms of Service and other legal terms or controls, or engaging in other legal matters.
Combined Information: To achieve the purposes outlined in this Privacy Policy, we may combine the data collected through our Services with information obtained from other sources, both online and offline. This combined information will be used in accordance with this Privacy Policy.
Aggregate/De-Identified Information: We may aggregate and/or de-identify the information collected through our Services to remove any link to you or your device, creating "Aggregate/De-Identified Information." This data may be used for research and marketing purposes and may be shared with third parties at our discretion.
To collect the information detailed in the "Collection of Device and Usage Information" section above, Balance Pro and our service providers may employ various tracking technologies, including but not limited to web server logs, cookies, tags, SDKs, tracking pixels, and similar tools. These technologies enable us to offer you a more tailored experience and enhance our Services. Here's a brief explanation of these technologies:
As we continue to innovate, we may adopt additional technologies to gather information through alternative methods.
Additionally, we may collect, access, or store session cookies to facilitate integrations with Financial Data Sources.
Please be aware that you can adjust your browser settings to notify you when a cookie is being set or updated, or to block cookies entirely. However, please note that by blocking, disabling, or managing cookies, you may restrict access to certain features or offerings within our Services. Your choices regarding cookies may affect your overall experience while using our Services.
We may employ third-party analytics services, such as Google Analytics, on our Services. These services help us collect and analyze usage information through cookies and similar technologies, facilitating auditing, research, reporting, fraud prevention, and providing specific features to enhance your experience. To opt out of Google Analytics, you can install the Google Analytics Opt-out Browser Add-on, which is available here.
We may collaborate with various companies to market our services on third-party websites, mobile apps, and online platforms. These third parties may employ cookies, web beacons, or other tracking technologies to collect data regarding your use of the Services and your activities across other websites and online platforms. They may link this information with persistent identifiers, which might be derived from hashed or encrypted personal information, such as your email address. This information helps us measure the performance of our advertising efforts, assess user preferences, and determine ad effectiveness. Additionally, we or our advertising partners may personalize ads for you across different devices.
Please note that the activities of these third parties and your choices regarding the personalization of ads are governed by their respective policies. We do not have access to or control over the use of cookies or tracking technologies placed on your devices by non-affiliated third-party providers. As outlined below, these providers may offer opt-out options for the collection of information used in our interest-based advertising. We cannot guarantee that these instructions will remain unchanged or available, as they are determined by each third-party service provider, not us.
Notice About Do Not Track: The "Do Not Track" (DNT) option is a privacy preference available in select web browsers. While we are dedicated to providing users with substantial options concerning the gathering of their data for third-party purposes on our website, we cannot assure that we will adhere to DNT signals. This is because technology is continuously advancing, and the interpretation of DNT signals remains uncertain within the industry.
We prioritize the protection of your Financial Information and will not share it with other companies for joint marketing purposes or with third parties for marketing purposes. However, we may share, transfer, or disclose the information collected from and about you in the following circumstances:
Service Providers: We may share information with carefully selected third parties who provide essential services to us. These services may encompass customer support, interfacing with Financial Data Sources, analytics, website management, information technology, and similar services.
Financial Data Sources: Information may be shared with Financial Data Sources to facilitate the establishment or maintenance of an integration that you have chosen to make. This ensures the proper functioning of your selected integrations.
Other Users or the Public: Content posted in publicly-accessible parts of our Services, such as the Feature Request forum, or content made viewable to other users or the public, may be read, collected, and used by those individuals with the appropriate permissions.
Legal Compliance and Rights Protection: We may disclose your information when deemed necessary or appropriate to:
Corporate Transactions: In the context of corporate transactions, such as acquisitions, mergers, asset sales, or liquidations, we reserve the right to transfer your information to service providers, advisors, potential transactional partners, or other third parties involved in the consideration, negotiation, or completion of such transactions. Be assured that we will take measures to protect your data during these processes.
With Your Consent or at Your Direction: We may share information with third parties when you explicitly direct us to do so or when you have provided consent for additional sharing of your information, as outlined in this Privacy Policy.
We employ a range of security safeguards designed to protect your information. While we implement these measures diligently, it's essential to recognize that no method or transmission over the internet or electronic system can be considered entirely foolproof. Therefore, there is no absolute guarantee that your data will be immune from unauthorized access, disclosure, alteration, or destruction in the event of a breach of our physical, technical, organizational, or managerial safeguards.
When you create an account with us, you may be prompted to establish a username and password. It is your responsibility to ensure the confidentiality of your account password and monitor any activity conducted under your account. We are not liable for any losses or damages resulting from your failure to maintain the secrecy of your password. We strongly advise you to regularly update your passwords, use combinations of letters and numbers, and confirm that you are utilizing a secure browser. If you have reason to suspect that the security of your interaction with us has been compromised, or if you believe that someone else has gained unauthorized access to your account, please inform us immediately by contacting us using the details provided in the "Contact Information" section below.
Your security and the protection of your information are of utmost importance to us. We encourage you to take proactive measures to help safeguard your account and personal data.
We will retain your information for the duration of your account's activity and for as long as it is required to fulfill applicable legal obligations. Additionally, we may continue to retain and use your information as necessary to resolve disputes, safeguard the security and integrity of Balance Pro and our users, and enforce our agreements and policies. You may request your personal account and data to be deleted by contacting us.
The Services may include links, banners, widgets, or other features that direct you to third-party websites, apps, services, and plug-ins, including Financial Data Sources. Additionally, we may incorporate third-party software, including open-source software, into the Services.
Please be aware that these links and features are provided solely for your reference and convenience. Their presence does not imply any endorsement of the information provided through these third-party links and features, nor does it suggest any affiliation with their operators. Balance Pro bears no responsibility for the practices employed by these third parties.
Any information you choose to provide to third parties on their websites or services is governed by their respective privacy and data collection policies. These practices are distinct from those outlined in this Privacy Policy. We strongly encourage you to review the privacy and security policies of these third parties to ensure you are aware of how your data will be handled when interacting with their platforms. Your privacy and data security are essential, and understanding the practices of third parties is an important step in protecting your information.
Marketing Communications: You have the option to instruct us not to utilize your information for contacting you via email, postal mail, or phone regarding products, services, promotions, and special events that may be of interest to you. To exercise this choice, please contact us using the information provided below. If you wish to opt-out of receiving promotional emails from us, you can follow the unsubscribe instructions provided in the promotional emails you receive. Please allow a reasonable amount of time for your request to be processed. It's important to 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. For instance, certain operational emails, such as those pertaining to our relationship with you or transactional information, may not be subject to opt-out preferences.
Account Information: To ensure that your information is accurate, up-to-date, and complete, or if you wish to delete your information, please contact us through the app or by reaching out to hello@balancepro.money.
Balance Pro is intended for a general audience and are not designed for use by children under the age of 13. We do not knowingly collect, maintain, or utilize personal information (as defined by the United States Children's Online Privacy Protection Act) from individuals under the age of 13.
If you believe that we may have inadvertently collected personal information from a child under the age of 13, please contact us as indicated at the end of this Privacy Policy. Upon learning of such a situation, we will promptly take necessary steps to delete the collected information and terminate the child's account in compliance with applicable regulations.
California Residents Notice: California residents have rights under California's "Shine the Light" law, allowing them, under certain conditions, to request information about how we share specific categories of "personal information" (as defined in the Shine the Light law) with third parties for direct marketing purposes. Rest assured, we do not share your personal information with third parties for their individual direct marketing purposes.
Nevada Residents Notice: Certain Nevada consumers have the option to opt out of the sale of "personally identifiable information" for monetary gain (as defined under Nevada law) to individuals who may then license or sell such information to others. We do not partake in such activities. Nevertheless, if you are a Nevada resident who has purchased or leased products or services from us, you can request to opt out of potential future sales in accordance with Nevada law by contacting us. Please keep in mind that we will take reasonable steps to verify your identity and the validity of the request. Once verified, we will keep your request on record in case our practices change.
We retain the right to update or modify this Privacy Policy at any time to align with changes in the law, alterations in our data collection and usage practices, enhancements to our Services, or technological advancements. We will make the revised Privacy Policy accessible through the use of our Services, so it is advisable to periodically review it. You can determine if the Privacy Policy has been modified since your last review by checking the "Last Updated" date at the beginning of the document. If we make substantial changes to the Policy, we will provide you with notice as required by applicable legal requirements. Your continued use of our Services following any such changes implies your agreement that all information collected from or about you after the updated Privacy Policy is posted will be subject to the terms of the revised Privacy Policy.
If you have any questions or comments about this Privacy Policy, our privacy practices, please contact us at hello@balancepro.money.
Balance Pro is a budgeting and personal finance app that helps you manage and optimize your money.
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