Privacy Policy

1. Information We Collect

We collect several types of information from and about users of our Service, including:

1.1 Personal Information

When you create an account, we collect personal information that can be used to identify you, such as:

• Name
• Email address
• Google account information (when using Google Sign-In)

1.2 Financial Information

To provide our debt repayment optimization services, we collect financial information that you voluntarily provide, including:

• Debt balances
• Interest rates
• Minimum payment amounts
• Payment due dates
• Credit card last four digits (for identification purposes only)
• Credit offers and their terms

Note: We do not collect or store full credit card numbers, bank account numbers, or other sensitive financial account information.

1.3 Usage Information

We automatically collect certain information about how you interact with our Service, including:

• IP address
• Browser type
• Device information
• Operating system
• Pages visited and features used
• Time and date of your visit
• Referring website

2. How We Use Your Information

We use the information we collect about you for various purposes, including to:

• Provide, maintain, and improve our Service
• Create and manage your account
• Generate personalized debt repayment plans and recommendations
• Process and complete transactions
• Send you technical notices, updates, security alerts, and support messages
• Respond to your comments, questions, and requests
• Monitor and analyze trends, usage, and activities in connection with our Service
• Detect, prevent, and address technical issues, fraud, and other illegal activities
• Protect the rights, property, and safety of our users and the public

3. How We Share Your Information

We may share your information in the following circumstances:

3.1 Service Providers

We may share your information with third-party vendors, service providers, contractors, or agents who perform services for us or on our behalf, such as data storage, database management, web analytics, and payment processing.

3.2 Compliance with Laws

We may disclose your information where required to do so by law or subpoena or if we believe that such action is necessary to comply with the law and the reasonable requests of law enforcement or to protect the security or integrity of our Service.

3.3 Business Transfers

If we are involved in a merger, acquisition, or sale of all or a portion of our assets, your information may be transferred as part of that transaction. We will notify you via email and/or a prominent notice on our Service of any change in ownership or uses of your information.

3.4 With Your Consent

We may share your information with your consent or at your direction.

3.5 Aggregated or De-identified Data

We may share aggregated or de-identified information, which cannot reasonably be used to identify you, for various purposes including improving our services and understanding user trends.

4. Data Security

We have implemented appropriate technical and organizational security measures designed to protect the security of any personal information we process. However, despite our safeguards and efforts to secure your information, no electronic transmission over the Internet or information storage technology can be guaranteed to be 100% secure.

We use industry-standard encryption to protect your data in transit and at rest. Your financial information is stored in secure databases with restricted access. We regularly review our information collection, storage, and processing practices to guard against unauthorized access.

5. Your Data Rights

Depending on your location, you may have certain rights regarding your personal information, including:

• Access: You can request copies of your personal information that we hold.
• Correction: You can ask us to correct inaccurate personal information.
• Deletion: You can ask us to delete your personal information in certain circumstances.
• Restriction: You can ask us to restrict the processing of your personal information.
• Data Portability: You can ask us to transfer your personal information to another organization or to you.
• Objection: You can object to our processing of your personal information.

To exercise any of these rights, please contact us using the information provided in the "Contact Us" section below. We may need to verify your identity before responding to your request.

6. Cookies and Tracking Technologies

We use cookies and similar tracking technologies to track activity on our Service and hold certain information. Cookies are files with a small amount of data which may include an anonymous unique identifier.

We use cookies for the following purposes:

• To maintain your authenticated session and secure access to your account
• To remember your preferences and settings
• To analyze how you use our Service to improve functionality and user experience
• To understand the effectiveness of our features and content

You can instruct your browser to refuse all cookies or to indicate when a cookie is being sent. However, if you do not accept cookies, you may not be able to use some portions of our Service.

7. Third-Party Services

Our Service may contain links to other websites, applications, or services that are not operated by us. If you click on a third-party link, you will be directed to that third party's site. We strongly advise you to review the Privacy Policy of every site you visit.

We have no control over and assume no responsibility for the content, privacy policies, or practices of any third-party sites or services.

Our Service uses Google Sign-In for authentication. When you use Google Sign-In, Google's Privacy Policy applies to the information collected by Google during the authentication process.

8. Children's Privacy

Our Service is not intended for use by children under the age of 18. We do not knowingly collect personally identifiable information from children under 18. If you are a parent or guardian and you are aware that your child has provided us with personal information, please contact us. If we become aware that we have collected personal information from children without verification of parental consent, we take steps to remove that information from our servers.

9. Changes to This Privacy Policy

We may update our Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on this page and updating the "Last updated" date at the top of this Privacy Policy.

You are advised to review this Privacy Policy periodically for any changes. Changes to this Privacy Policy are effective when they are posted on this page.

10. Data Retention

We will retain your personal information only for as long as is necessary for the purposes set out in this Privacy Policy. We will retain and use your information to the extent necessary to comply with our legal obligations, resolve disputes, and enforce our policies.

If you request deletion of your account, we will delete your personal information from our active databases. However, some information may be retained in our files to prevent fraud, troubleshoot problems, assist with investigations, enforce our Terms of Use, or comply with legal requirements.

11. Contact Us

If you have any questions about this Privacy Policy, please contact us at:

privacy@snowballapp.com