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THE INFORMATION WE COLLECT AND HOW WE USE IT
In the course of operating the Services, Ruby Money collects or receives the following types of information from visitors to the Website; users, subscribers or other users of its App; and from third-party integration partners, which may include personal information.
We collect contact information through our Services; contact information typically includes your name, email address, phone number, tax profile, and any other information you provide in messages to us. We use such contact information for purposes such as providing you with information about the Services, responding to your inquiries, sending you email alerts (including marketing emails), verifying your identity or providing you the Services.
Ruby Money Account Access Information
In connection with the creation of an account on our App, we collect account credentials such as email and password. We use this account information to process the creation of your account including to verify your identity. We also use this information to manage your account including your transactions and linked accounts.
Third Party Account Information
In connection with managing your account on our App, and integrating your third-party accounts (including bank account and retirement account information), we collect such third party account information including account numbers and account credentials. We use this third party account information to link your accounts on our Services to process your transactions.
When you make, or attempt to make, a transaction as a user through our App, we may collect certain information from you, including [your name, mailing address, email address, and phone number]. We refer to this information as “Transaction Information.” We use the Transaction Information that we collect generally to facilitate transactions between users through our App (including providing you with invoices and/or transaction confirmations). Additionally, we use this Transaction Information to: communicate with you; screen our transactions for potential risk or fraud; and when in line with the preferences you have shared with us, provide you with information or advertising relating to our products or services.
Our third-party payment processing providers, including Stripe, may also collect from you, process and store your payment information including credit card information and/or bank account information in accordance with their respective privacy policies linked to below:
For Stripe, visit: https://stripe.com/privacy
Server Log, Device and Other Technical Information
Our servers keep log files that record data each time a device accesses those servers. The log files may contain data about the nature of such access, including the device’s IP address, user agent string (e.g., operating system and browser type/version), and the pages you’ve clicked on while on our Services, and details regarding your activity on the Services such as time spent on the Services and other performance and usage data. We may use these log files for purposes such as assisting in monitoring and troubleshooting errors and incidents, analyzing traffic, or optimizing the user experience.
Cookies and Similar Technologies
We may collect information using cookies, web beacons, tags, pixel and other similar technologies to record information about how you use the Website. Cookies are small packets of data that a website stores on your computer’s or mobile device’s hard drive (or other storage medium) so that your computer will “remember” information about your use. We use both first and third party session cookies and persistent cookies. Below is a general primer on session and persistent cookies; information collected by cookies depends on its particular purpose. For more information, please see the information regarding analytics providers discussed further below.
Third-Party Analytics Providers
For Google Analytics, please visit: https://www.google.com/analytics
For more information on these third party advertisers/remarketers, including how to opt out from certain data collection, please visit the sites below. Please note that this list may be subject to change based on the campaigns that we run.
For Facebook, please visit: https://www.facebook.com/settings/?tab=ads
For Google, please visit: https://www.google.com/settings/ads/anonymous]
We may, with your consent, automatically collect geolocation information from your device via your browser’s location services. This consent may be provided by you on the device level (e.g., you have consented to location services generally through your browser’s settings) or by accepting our request for geolocation access on the Services. Please consult your browser’s documentation regarding how to turn off location services. If you disable location services, you may not be able to use the full array of features and functionalities available through our Services.
Aggregate and De-identified Data
In an ongoing effort to better understand our users and the Services, we might analyze your information in aggregate and/or de-identified form to operate, maintain, manage, and improve the Services. We may share this aggregate or de-identified data with our affiliates, agents, and business partners. We may also disclose aggregated or de-identified user statistics to describe the Services to current and prospective business partners and to other third parties for other lawful purposes.
Onward Transfer to Third Parties
Like many businesses, we hire other companies to perform certain business-related services. We may disclose personal information to certain types of third party companies but only to the extent needed to enable them to provide such services. The types of companies that may receive personal information and their functions are: hosting services, technical assistance, database management/back-up services, use analytics, email marketing platforms, and customer service.
To provide our Services and administer promotional programs, we may share your personal information with our third-party promotional and marketing partners, including, without limitation, businesses participating in our various programs. We may also disclose personal information to our parent companies, subsidiaries, affiliates, joint ventures, or other companies under common control to support the marketing and sale of our products and services.
Disclosure to Public Authorities
We are required to disclose personal information in response to lawful requests by public authorities, including for the purpose of meeting national security or law enforcement requirements. We may also disclose personal information to other third parties when compelled to do so by government authorities or required by law or regulation including, but not limited to, in response to court orders and subpoenas.
OPT-OUT FOR DIRECT MARKETING; EMAIL MANAGEMENT
You may opt out at any time from the use of your personal information for direct marketing purposes by emailing the instructions to email@example.com. Please allow us a reasonable time to process your request. You cannot opt out of receiving transactional e-mails related to the Services.
HOW WE PROTECT YOUR INFORMATION
IMPORTANT NOTICE TO ALL NON-US RESIDENTS
Our servers are located in the US and elsewhere. Please be aware that your information may be transferred to, processed, maintained, and used on computers, servers, and systems located outside of your state, province, country, or other governmental jurisdiction where the privacy laws may not be as protective as those in your country of origin. If you are located outside the United States and choose to use the Services, you do so at your own risk.
CALIFORNIA PRIVACY RIGHTS
Pursuant to Section 1798.83 of the California Civil Code, residents of California have the right to obtain certain information about the types of personal information that companies with whom they have an established business relationship (and that are not otherwise exempt) have shared with third parties for direct marketing purposes during the preceding calendar year, including the names and addresses of those third parties, and examples of the types of services or products marketed by those third parties. If you wish to submit a request pursuant to Section 1798.83, please contact Ruby Money via email at firstname.lastname@example.org.
DO NOT TRACK
Ruby Money does not respond to “Do Not Track” settings or other related mechanisms on our Website at this time.
NEVADA PRIVACY RIGHTS
If you are a resident of Nevada, you have the right to opt-out of the sale of certain personal information to third parties who intend to license or sell that personal information. You can exercise this right by contacting us at email@example.com with the subject line “Nevada Do Not Sell Request” and providing us with your name and the email address associated with your account. Please note that we do not currently sell your personal information as sales are defined in Nevada Revised Statutes Chapter 603A.
LINKS TO EXTERNAL WEBSITES
HOW TO CONTACT US