Introduction
We respect the privacy of our users. This Privacy Policy document describes the information that we collect about you, and explains how we collect, use, disclose, and safeguard your information. Your information (“Information”) referred to in this document is any personal data (“Personal Data”) provided to us via our website billoutapp.com (the “Site”), our mobile app (the “App”) or our various social media platforms. In this Privacy Policy, we use the terms “we”, “us”, and “our” (and other similar terms) to refer to Billout and “you” and “your” (and other similar terms) to refer to our customers and website users. By using the service, you agree to the privacy practices described in this Privacy Policy, and any other policies made available by us to you.
This Privacy Policy is an important document. We reserve the right to make changes to it at any time and for any reason. We will alert you about any changes by updating the “Last updated” date of this Privacy Policy. You are encouraged to periodically review this Privacy Policy to stay informed of updates. You are considered informed of and subject to any changes in our revised Privacy Policy when you continue using our website and services after the revised policy has been posted. By continuing to use our services, you are agreeing to these changes.
Information We Collect
When you use our Services, depending on the nature of the service being used, there are some personal information that we automatically collect about you. For example when you visit our website or download our mobile app, we automatically collect information about you such as your Internet Protocol (IP) address, browser/device information and browser cache data such as Cookies.
Aside from these, we may collect other relevant information about you when you setup accounts, fill forms or surveys with us, in these situations, we may ask for personal information such as your name, email, address, phone number, age and other relevant and potentially sensitive information. Other user provided information we collect include messages when contacting us through our website, app or email and passwords, when creating and setting up accounts on our mobile app and website.
You may choose to voluntarily provide other information to us that we do not request, and, in such instances, you are solely responsible for such information.
Mobile Device Access
We may request access or permission to certain features from your mobile device, including your mobile device’s storage. If you wish to change our access or permissions, you may do so in your device’s settings.
Push Notifications
We may request to send you push notifications regarding your account or the application. If you wish to opt-out from receiving these types of communications, you may turn them off in your device’s settings or within the application.
User-Provided Information Through Other Third-Party Integrations
Our Service may allow you to connect your third-party accounts, including your financial accounts, to your Billout account on the mobile app and website. We use several technology providers and other third party integrations to provide our service, features and functionalities to you. In order to connect your third party accounts to your Billout account, you must expressly authorize such connection when first registering your account or at a later time through your account settings. You may terminate this connection at any time through your account settings.
When you connect your third party accounts to our services, you give Billout and the third party integration the authority to act on your behalf to access and transmit your information from the relevant bank or other entity that provides your accounts. The information we receive from the entities that maintain your accounts varies depending on the information made available by those entities. Examples of the types of information we receive from financial accounts include financial account information, information about account balance, information about credit accounts, information about loan accounts, information about investment accounts, identifiers and information about account owners, information about account transactions, and employment information.
Please note that Billout is not responsible for any third party’s privacy practices, and we strongly encourage you to review their privacy policies before connecting your third party accounts with our services. You are responsible for the accuracy and completeness of the data provided through any third parties you connect to the Service.
Use Of Your Information
Having accurate information about you permits us to provide you with a smooth, efficient, and customized experience. The information we collect about you is also for us to adhere to best practices and to ensure we comply with standard due diligence processes required by law.
Specifically, we may use information collected about you via the app to:
1. Create and manage your account
2. Compile anonymous statistical data and analysis for use internally.
3. Email you regarding your account or order.
4. Prevent fraudulent transactions, monitor against theft, and protect against criminal activity.
5. Increase the efficiency and operation of the Application.
6. Request feedback and contact you about your use of the Application.
7. Resolve disputes and troubleshoot problems.
8. Process payments and refunds.
9. Solicit support for the Application.
10. Respond to product and customer service requests
11. Assist law enforcement and respond to subpoena.
12. Deliver targeted advertising, coupons, newsletters, and other information regarding promotions and the Application to you.
13. Fulfil and manage purchases, orders, payments, and other transactions related to the Application.
14. Generate a personal profile about you to make future visits to the Application more personalized.
15. Monitor and analyze usage and trends to improve your experience with the Application.
16. Notify you of updates to the Application
17. Offer new products, services, mobile applications, and/or recommendations to you.
18. New purposes about which we notify you and with your consent.
19. To operate, maintain, enhance and provide the features of the Service.
Notwithstanding the above, we may use information that does not identify you (including information that has been aggregated or de-identified) for any purpose except as prohibited by applicable law. For information on your rights and choices regarding how we share information about you, please see the “Your Rights and Choices” section below.
Disclosure Of Your Information
We disclose information we collect in accordance with the practices described in this Privacy Policy. We only share your information with your consent, to comply with laws, to provide you with services, to protect your rights, or to fulfill business obligations.
The categories of parties with whom we share information include:
- Service Providers. We share information with service providers that process information on our behalf. Service providers assist us with services such as payment processing, fraud prevention, data analytics, marketing and advertising, website hosting, and technical support. To the extent required by law, we contractually prohibit our service providers from retaining, using, or disclosing information about you for any purpose other than performing the services for us, although we may permit them to use information that does not identify you (including information that has been aggregated or de-identified) for any purpose except as prohibited by applicable law.
- Third Party Integrations. We share information with third parties (such as our Banking integration provider) and any relevant banks or other entities in connection with you connecting your third party accounts to your account on the Billout Application. You may terminate this connection at any time through your account settings.
- Affiliates. We share information with our affiliates and related entities, including where they act as our service providers or for their own internal purposes.
- Partners, Vendors, and Advertisers. We share information in connection with offering co-branded services, selling or distributing our products, engaging in joint marketing activities, or providing advertising on our Service.
- Promotions. Our promotions may be jointly sponsored or offered by other parties. When you voluntarily enter a promotion, we share information as set out in the official rules that govern the promotion as well as for administrative purposes and as required by law (e.g., on a winners list). By entering a promotion, you agree to the official rules that govern that promotion, and may, except where prohibited by applicable law, allow the sponsor and/or other entities to use your name, voice and/or likeness in advertising or marketing materials.
- Merger or Acquisition. In the event that all or a portion of Billout or its assets are acquired by or merged with another entity, we reserve the right, in any of these circumstances, to transfer or assign the information that we have collected from users in connection with such merger, acquisition, sale, or other change of control.
- Security and Compelled Disclosure. We share information to comply with the law or other legal process, and where required, in response to lawful requests by public authorities, including to meet national security or law enforcement requirements. We also share information to protect the rights, property, life, health, security and safety of us, the Service or anyone else. For example, we share information with identity verification services and fraud prevention services.
- Facilitating Requests. We share information at your request or direction.
- Consent. We share information with notice to you and your consent.
Cookies
When you use our services, we may send one or more cookies – small text files containing a string of alphanumeric characters – to your device. We may use both session cookies and persistent cookies. A session cookie disappears after you close your browser. A persistent cookie remains after you close your browser and may be used by your browser on subsequent visits to the Service to personalize your experience, remember your preferences, and support security features. Additionally, persistent cookies allow us to bring you advertising both on and off the Service. Persistent cookies can be removed. Most Web browsers are set to accept cookies by default. If you prefer, you can usually choose to set your browser to remove or reject cookies. Please review your web browser “Help” file to learn the proper way to modify your cookie settings. Please note that if you delete, or choose not to accept, cookies from Billout, you may not be able to utilize the features of our services to their fullest potential.
For more information about Cookies and how we use them, please see Cookie Policy
Data Security
We use administrative, technical, and physical security measures to help protect your personal information. While we have taken reasonable steps to secure the personal information you provide to us, please be aware that despite our efforts, no security measures are perfect or
impenetrable, and no method of data transmission can be guaranteed against any interception or other type of misuse. Any information disclosed online is vulnerable to interception and misuse by unauthorized parties. Therefore, we cannot guarantee complete security if you
provide personal information.
POLICY FOR CHILDREN
We do not knowingly solicit information from or market to children under the age of 16. If you become aware of any data we have collected from children under age 16, please contact us using the contact information provided below.
Options Regarding Your Information
You may at any time review or change the information in your account or terminate your Billout account by:
● Logging into your account settings and updating or terminating your account
● Contacting us using the contact information provided below
Upon your request to terminate your account, we will deactivate or delete your account and information from our active databases. However, some information may be retained in our files to prevent fraud, troubleshoot problems, assist with any investigations, enforce our Terms of
Use and/or comply with legal requirements.
Emails and Communications
If you no longer wish to receive correspondence, emails, or other communications from us, you may opt-out by:
● Noting your preferences at the time you register your account with the Billout Application
● Logging into your account settings and updating your preferences.
● Contacting us using the contact information provided below
● Unsubscribing from our newsletter emails using the unsubscribe links provided in our marketing emails
If you no longer wish to receive correspondence, emails, or other communications from third parties, you are responsible for contacting the third party directly.
Contact Information
If you have questions or comments about this Privacy Policy, please contact us using the contact form on the Contact Us page or by email at he**@bi********.com