In order to provide a high-quality service, Penny Finance collects various types of information when you visit the website or mobile app (collectively, the “Site”), sign-up as a customer, or otherwise engage with Penny Finance.
We collect various types of anonymous information about visitors to the Site, such as device-related information (including browser type and IP address) and server log information (including the date and time of day of your visit, average time spent on the Site, browsing activity, and any third-party site that referred you to the Site). We also collect information that you input into our website, e.g., by beginning the account application process or by commenting on the blog. We use this information to better understand our visitors and our business, facilitate Site navigation, provide the services or information you request, and enhance your experience.
When you choose to create an account with Penny Finance, we collect certain personal information directly from you, including your first name, email address, information about financial status, age, and demographic information. We collect but do not store your income or salary. We use Stripe to collect and process your credit card and billing information. We do not collect or store your social security number, date of birth, or mailing address.
Apart from the sign-up process, we may collect various other types of personal information if you engage with Penny Finance. We collect information about your personal finances as part of the money quiz, calculators, and e-products.
Cookies are small pieces of data that are stored on your computer, mobile phone or any other device used to access the internet. Pixels are small code blocks on a website that allow for another server to measure viewing of a webpage and often are used in connection with cookies. We use these technologies to customize the Site and improve your experience with the Site. Cookies store anonymous information, such as whether you viewed the site from your mobile device. We may store some personal information in a cookie and/or pixel, such as the site that you visited immediately prior to visiting the Site and relevant financial information that allows us to enhance your user experience and for marketing purposes. Additionally, we may use a cookie and/or pixel that only stores anonymous information to track visitors across websites or devices to better customize our marketing and advertising campaigns. Cookies, pixels, and similar technologies are not required for site functionality. You are not required to accept any cookies or pixels to use this Site. However, refusing to accept cookies or pixels will make the use of the Site more cumbersome and less accessible.
Penny Finance uses your personal information to provide you targeted financial education materials; enhance your customer experience; improve our products and features; provide customer support; open, operate, and maintain your account in accordance with US law; investigate and understand how the Site is used; monitor and protect the security and integrity of the Site; and better market and advertise Penny Finance’s services. As part of this process, we may from time to time include, compile, or aggregate some of your personal information in certain data analysis, reports, or other interpretations of investment trends for both internal and external purposes. When including, compiling, or aggregating personal information for such purposes, we make sure that the information is anonymized such that it is not identifiable to any particular customer. Additionally, we may use your personal information to contact you regarding our own services. If you no longer wish to receive such marketing communications from Penny Finance, please click the “unsubscribe” link that can be found at the bottom of each such email message. Please note that if you hold an account with Penny Finance, you cannot opt-out of certain communications related to the administration of your account, including communications related to billing, or certain regulatory matters.
We do not sell, rent, or trade your personal information with any third parties other than with your consent or as required by law. We may also disclose personal information in response to service of legal process, such as a court order, summons, or subpoena, or as permitted or required by law when we reasonably believe it is necessary or appropriate to investigate, prevent, or take action regarding illegal activities, suspected or confirmed fraud (including identity theft), situations involving potential threats to the physical safety of any person, or suspected violations of our Terms and Conditions or customer agreements. We also may disclose information about you, if necessary, to determine your eligibility to recover compensation in connection with class action lawsuits. Furthermore, we may disclose personal information in specific other cases with your consent.
Penny Finance works diligently to protect your personal information. We employ several physical and electronic safeguards to keep your information safe. We limit access to your personal and financial information to only those employees with authorized access who need to know the information in order to perform their jobs. Furthermore, if you choose to close your account or your account is terminated with us, we will continue to adhere to the privacy policies and practices outlined here. If you maintain a Penny Finance account that you access through this Site, you are responsible for protecting and maintaining the confidentiality of your account and password and restricting access to your computer. Although we work to protect the security of your personal information that we hold in our records, please be aware that no method of transmitting data over the internet or storing data is completely secure.
Once you have registered with Penny Finance, you can access your profile, review the information that is stored, and revise that information. If you have any problems, you may also contact us at firstname.lastname@example.org.
If you are a former customer, these policies also apply to you; we treat your information with the same care as we do information about current customers.
Online tracking is the collection of data about an individual’s Internet activity used to deliver targeted advertisements and for other purposes. Customers using certain modern browsers have the ability to activate a “Do Not Track” signal. Penny Finance does not currently respond to the “Do Not Track” signal.
Our service is not directed towards anyone under the age of 18. If a parent or guardian becomes aware that his or her child under the age of 18 has created an account with Penny Finance and/or provided us with personally identifiable information, please contact us at email@example.com. Additionally, if we become aware at any point that a child under the age of 18 is using our service, we will terminate her account.
This notice is for California residents and applies solely to consumers who reside in the State of California. This notice is intended to provide information required under the California Consumer Privacy Act of 2018 (“CCPA”) and other California laws. Any terms defined in the CCPA or its implementing regulations have the same meaning when used in this notice. This notice applies to the data collection and processing practices of Penny Finance.
We do not and will not sell consumer personal information. We also do not offer financial incentives, preferential service agreements, or any other differences in our prices or services in exchange for your data.
We collect personal information in the following categories from consumers, although we do not collect every specific piece of personal information for every consumer.
The CCPA provides California residents with specific rights regarding their personal information. This section describes consumers rights under the CCPA rights and explains how you can exercise those rights with Penny Finance
You have the right to request that we disclose certain information to you about our collection and use of your personal information over the past 12 months (a “Request”). Once we confirm your Request, we will disclose to you, upon specific request:
You have the right to request that we delete any of your personal information that we collected from you and retained, subject to certain exceptions. Once we receive and verify your Request, we will delete (and direct our service providers to delete) your personal information from our (and their) records, unless an exception applies.
Personal information that we collect and use to provide you with services, and which Penny Finance is obligated by federal law and/or regulations to retain, cannot be deleted upon request.We also may deny your deletion request if retaining the information is necessary for us or our service providers to:
To exercise your rights described above, please submit a Request to us by: Email, at firstname.lastname@example.org Only you or an agent registered with the California Secretary of State who is authorized to act on your behalf may make a Request. You may only make two Requests within a 12-month period.
We will not respond to your Request or provide you with personal information if we are unable to verify your identity, or to verify the authority for the person making the request as your agent. We will use personal information provided in a verifiable consumer request to verify your identity or authority to make the request, and not for any other purpose. We will acknowledge your Request within 10 days. We attempt to respond to every Request within 45 days. If we require more time, we will inform you of the reason and how much additional time we require (up to 90 days in total). Any disclosures we provide may only cover the 12-month period preceding the Request’s receipt. If we are unable to satisfy your Request, or a part of your Request, we will explain why. We do not charge a fee to process or respond to Requests.
We will not discriminate against you for exercising any of your CCPA rights. Unless permitted by the CCPA, we will not:
We reserve the right to amend this privacy notice at our discretion and at any time. When we make changes to this privacy notice, we will notify you by email or by updating this notice on our homepage.
LAST AMENDED DATE: March 15, 2021