This Policy applies to https://intuitionexchange.com and all websites and mobile apps owned and operated by Intuition Exchange.
Please read this Policy carefully and contact us with questions at firstname.lastname@example.org.
Table Of Contents
- Applicability Of This Policy
- What We Collect
- Information From Cookies And Other Tracking Technologies
- How We Use Information
- How We Share And Disclose Information
- Access, Correction, and Retention
- Age Limitations
- Changes To This Policy
- Chat Bot Disclosure
- Online Tracking Opt-Out Guide
- Biometric Data
- Retention Of Biometric Data
- Notice to California Residents
- Contact Us
Applicability Of This Policy
This Policy applies to our services, which include the services we provide on https://intuitionexchange.com or any other websites, pages, features, or content we own or operate (collectively, the “Sites”) or when you use our mobile app and related services (collectively, the “Services”). If you do not agree with the terms of this Policy, do not access or use the Services, Sites, or any other aspect of our business.
What We Collect
When you interact with our Services, we may collect:
- Contact And Demographic Information, such as your date of birth, gender, email address, full name, home and business address, employer, nationality, phone number, photographs, and Social Security number.
- Identification Information, such as your driver’s license, federal/state ID card, Tax ID number, or other government-issued ID.
- Biometric Data,such as facial recognition and facial geometry data derived from photographs or videos you submit to us during the onboarding process. See the Biometric Data and Retention of Biometric Data sections below for more information specifically as to how we collect and use Biometric Data.
- Proof Of Address Documents, including your bank, brokerage, and/or credit card statements, utility bills, mortgage statements, and/or property tax statements.
- Institutional Information,such as Employer Identification Number’s (EIN), proof of legal formation (e.g. articles of incorporation/bylaws), and/or personal identification information for beneficial owners.
- Financial Information, such as your bank account number, payment card information, transaction history, trading data, and/or tax identification.
- Transaction Information, including information about the transactions you make using our Services, such as the name of the recipient, transaction amount, and timestamp.
- Correspondence, such as your feedback, quiz, questionnaire and other survey responses, and information you provide to our support teams, including via chat bot.
- Phone Contacts. If you wish to refer others to INTUTION EXCHANGE, then you may grant permission in your device settings to give INTUTION EXCHANGE access to your phone contacts.
- Information We Get From Others, including information about you from other sources as required or permitted by applicable law, including third parties such as credit bureaus, identity verification services, and public databases. We may combine the information collected from these sources with the information we get from this Site in order to verify your identity, comply with our legal obligations, and ensure our Services are not used fraudulently or for other illicit activities. order to verify your identity, comply with our legal obligations, and ensure our Services are not used fraudulently or for other illicit activities.
Information From Cookies And Other Tracking Technologies
How We Use Information
- operate, maintain, customize, measure, and improve our Services, and manage our business;
- create and update users’ accounts;
- process transactions;
- send information including confirmations, notices, invoices, technical notices, updates, security alerts, and support and administrative messages; and
- to create de-identified or aggregated data.
- Safety And Security. We may use your information to help maintain the safety, security, and integrity of our Services, including to:
- protect, investigate, and deter against fraudulent, unauthorized, or illegal activity;
- monitor and verify identity or service access, combat spam, malware or security risks;
- perform internal operations necessary to provide our Services, including to troubleshoot software bugs and operational problems;
- comply with applicable security laws and regulations.
- Customer Support.We may use information we collect to provide customer support, including to:
- direct questions to the appropriate customer support person.
- communicate with you, including via social media channels.
- investigate and address user concerns; and
- monitor and improve our customer support responses and processes.
- Research And Development. We may use the information we collect for testing, research, analysis, and product development to improve your experience. This helps us to improve and enhance the safety and security of our Services, improve our ability to prevent the use of our Services for illegal or improper purposes, develop new features and products, and facilitate payment solutions in connection with our Services.
- Legal And Regulatory Compliance. Many of our Services are subject to laws and regulations requiring us to collect, use, and store your personal information in certain ways. For example, we must identify and verify customers using our Services in order to comply with anti-money laundering laws. We also use third parties to verify your identity by comparing the personal information you provide against third-party databases and public records. When you attempt to link a bank account to your account, we may require you to provide additional information which we may use in collaboration with service providers acting on our behalf to verify your identity or address, and/or to manage risk as required under applicable law. If you do not provide information required by law, we will have to close your account. We may use the information we collect to investigate or address claims or disputes relating to use of our Services, or as otherwise allowed by applicable law, or as requested by regulators, government entities, and official inquiries.
- Direct Marketing. We may use the information we collect to market our Services to you. This may include sending you communications about our Services, features, promotions, surveys, news, updates, and events, and managing your participation in these promotions and events. If you do not want us to send you marketing communications, please opt out by selecting “unsubscribe” to any marketing email sent by us or by contacting us at email@example.com
How We Share And Disclose Information
We may share your information in the following circumstances:
- With Your Consent. For example, you may let us share personal information with others for their own marketing uses. Those uses will be subject to their privacy policies.
- With Third-Party Identity Verification Services. We may share your information to help prevent fraud and deny service to persons presenting an unacceptable level of money laundering or terrorism financing risks. This allows INTUTION EXCHANGE to confirm your identity by comparing the information you provide us to public records and other third-party databases. These providers may create derivative data based on your personal information that they can use in connection with provision of identity verification and fraud prevention services. We do not control these providers’ privacy policies.
- With Service Providers. We may share your information with service providers who help facilitate business operations such as bill collection, marketing, and technology services. Our contracts require these service providers to only use your information in connection with the services they perform for us.
- With Financial Institutions. We may share your information with financial institutions to process payments you have authorized.
- During A Change To Our Business. If we engage in a merger, acquisition, bankruptcy, dissolution, reorganization, sale of some or all of our assets or stock, financing, public offering of securities, acquisition of all or a portion of our business, a similar transaction or proceeding, or steps in contemplation of such activities, some or all of your information may be shared or transferred, subject to standard confidentiality arrangements.
- Aggregated Or De-identified Data. We may share aggregated and/or anonymized data with others for their own uses.
Access, Correction, And Retention
To view or update your information, log into your account. We store your information throughout the life of your INTUTION EXCHANGE account, and retain your information for a minimum of five years, including after you close your account, to comply with our legal obligations or to resolve disputes.
We maintain administrative, technical, and physical safeguards designed to protect the personal information we maintain against unauthorized access or disclosure. No system can be completely secure. Therefore, although we take steps to secure your information, we cannot guarantee that your information, searches, or other communication will always remain secure. When registering for our Services, choose a complex password and turn on advance security features, such as two-factor authentication. Never share your account credentials with third parties and submit a customer service ticket here if you become aware of unauthorized access to or use of your account. You are responsible for all activity on the account that is associated with your login credentials.
We do not allow use of our Services and Sites by anyone younger than 18 years old. If you learn that anyone younger than 18 has unlawfully provided us with personal data, please contact us at firstname.lastname@example.org and we will take steps to delete such information, close any such accounts, and prevent the user from continuing to use our Services.
Changes To This Policy
If we make any changes, we will change the Last Updated date above. We encourage you to review this Policy to stay informed. If we make material changes, we will provide additional notice, such as via the email specified in your account or through the Services or Sites.
Chat Bot Disclosure
Online Tracking Opt-Out Guide
Like many companies, we use services provided by Google, Facebook and other companies that use tracking technology. These services rely on tracking technologies – such as cookies and web beacons – to collect directly from your device, information about your browsing activities, your interactions with websites, and the device you are using to connect to the Internet. There are a number of ways to opt out of having your online activity and device data collected through these services, which we summarize below:
- Blocking Cookies In Your Browser. Most browsers let you remove or reject cookies, including cookies used for interest-based advertising. To do this, follow the instructions in your browser settings. Many browsers accept cookies by default until you change your settings. For more information about cookies, including how to see what cookies have been set on your device and how to manage and delete them, visit www.allaboutcookies.org.
- Blocking Advertising ID Use In Your Mobile Settings. Your mobile device settings may provide functionality to limit use of the advertising ID associated with your mobile device for interest-based advertising purposes.
- Using Privacy Plug-ins Or Browsers. You can block our websites from setting cookies used for interest-based ads by using a browser with privacy features, like Brave, or installing browser plugins like Privacy Badger, Ghostery or uBlock Origin, and configuring them to block third-party cookies/trackers.
- Platform Opt-Outs.The following advertising partners offer opt-out features that let you opt-out of use of your information for interest-based advertising:
- Twitter: https://twitter.com/personalization
- Advertising Industry Opt-Out Tools. You can also use these opt-out options to limit use of your information for interest-based advertising by participating companies:
- Digital Advertising Alliance: http://optout.aboutads.info
- Network Advertising Initiative: http://optout.networkadvertising.org/?c=1
Note that because these opt-out mechanisms are specific to the device or browser on which they are exercised, you will need to opt out on every browser and device that you use.
We may collect Biometric Data during the onboarding or account reactivation process. Specifically, we collect, via our third-party service provider of identity verification services, Secure SDK, Biometric Data from you when you create an account with us and submit photographs and/or videos of your face. These identifiers include facial recognition data, as well as mathematical representations of your facial geometry. We use and share Biometric Data only as described in this section.
We use Biometric Data to identify and authenticate you, for security purposes. We may share Biometric Data with third-party service providers who assist with our IT, security, and fraud programs, our professional advisors, in a business transfer such as a merger or acquisition, and as required by law or regulation. We do not sell your Biometric Data.
Retention of Biometric Data
INTUTION EXCHANGE will retain biometric data until the earliest of the following events occurs:
- the identity verification purposes for the collection have been satisfied; or
- three years from the time at which you delete or deactivate your INTUTION EXCHANGE account.
Unless required by a valid warrant or subpoena to maintain any specific biometric data for longer than the above retention schedule, we will securely delete biometric data according to this schedule, rendering it no longer available for inspection or access.
Notice To California Residents
We are required by the California Consumer Privacy Act of 2018 (“CCPA”) to provide this CCPA notice (“CCPA Notice”) to California residents to explain how we collect, use, and share their personal information, and the rights and choices we offer California residents regarding our handling of their personal information.
- CCPA Scope And Exclusions. This CCPA Notice, including the description of our Privacy Practices and your Privacy Rights, apply only to California residents whose interactions with us are limited to:
- visiting our consumer websites or otherwise communicating with us;
- signing up for email alerts;
- requesting or purchasing merchandise from us; or
- applying for our job openings on our websites (however, note that the CCPA limits some of the privacy rights for job applicants).
This CCPA Notice does not apply to the personal information we collect, use, or disclose about:
- consumers who initiate or complete the process of applying for financial products or services. This is because this information is subject to the federal Gramm-Leach-Bliley Act and implementing regulations, or the California Financial Information Privacy Act (for additional information relating to your choices about this information specifically, see our Consumer Privacy Disclosure); or
- representatives of businesses that seek to obtain our products or services, or to provide products or services to us.
- Privacy Rights. The CCPA grants individuals the following rights:
- You can request information about how we have collected, used and shared your personal information during the past 12 months. For details about the personal information we have collected over the last 12 months, including the categories of sources, please see the ‘What We Collect’ section above. We collect this information for the business and commercial purposes described in the ‘How We Use Information’ section above. We share this information with the categories of third parties described in the ‘How We Share And Disclose Information’ section above.
- You can request a copy of the personal information that we maintain about you.
- You can ask us to delete the personal information that we collected or maintain about you.
Please note that the CCPA limits these rights by, for example, prohibiting us from providing certain sensitive information in response to an access request and limiting the circumstances in which we must comply with a deletion request.
- How To Submit A Request. If you would like to submit a request for information, access, or deletion, please contact email@example.com.
- Identity Verification. The CCPA requires us to verify the identity of the individual submitting a request to access or delete personal information before providing a substantive response to the request. You may only make a verifiable request for access twice within a 12-month period. We will ask you to verify your identity when you submit a request. We cannot respond to your request or provide you with personal information if we cannot verify your identity or authority to make the request and confirm the personal information relates to you. Making a verifiable request does not require you to create an account with us.
- Authorized Agents. California residents can empower an “authorized agent” to submit requests on their behalf. We will require the authorized agent to have a written authorization confirming that authority.
Please contact us if you have any questions about this Policy or if you are seeking to exercise any of your statutory rights. You may contact us at firstname.lastname@example.org or at our mailing address below:
Chief Grievance Officer