Date Last Revised: November 01, 2015
Given the sensitive, financial nature of the data you provide us, we understand you trust us to keep your information safe and out of the hands of marketers, promotional agents, and anyone else you don’t authorize to access this information.
Here are the steps we take to ensure that happens.
The information we collect can be divided into the following categories:
User Provided Information: When you use the Service, you may provide and we may collect what is referred to as “personally identifiable” information. This includes your name, email address, and mailing address. You may also provide and we may collect demographic information such as your age, zip code, and marital status. This information is used to provide you with an account to use the Service and for enabling features of the Service to be available to you.
Cookies and Tracking: Like many websites, we use technology, such as cookies, tags, and local shared objects that allow us recognize you when you come to the Site and provide a better experience. We may use third party service provides (such as Google Analytics) to help us understand how you are using the site and navigating through the site. This information enables us to improve the Service and create a better experience for you.
Financial Institution Aggregation: In order for you to benefit from the full functionality of our Services, our Services require access to your financial institution (“FI”) account data, including transactions, balances, holdings, and other account information. We use a third party service provider (Intuit) to facilitate the collection of your FI account data from your FIs. Pefin, Inc. does not store or have access to your financial institution account login information.
System Details: Like many web sites, we gather certain information about your computer and machine and store it. This information may include your IP address, browser type, and operating system. We may combine this automatically collected information with other information about you. This information is primarily used for project planning and site improvements.
Mobile Device Information:: When you download and use our Services on a mobile device, we automatically collect information on the type of device you use, operating system version, and the device identifier (or "UDID"). We do not ask for, access or track any location based information from your mobile device at any time while downloading or using our Mobile Apps or Services.
We use mobile analytics software to allow us to better understand the functionality of our Mobile Software on your phone. This software may record information such as how often you use the application, the events that occur within the application, aggregated usage, performance data, and where the application was downloaded from. We do not link the information we store within the analytics software to any personally identifiable information you submit within the mobile app.
To enable multi-factor authentication where we can verify your identity by sending you an SMS, we may collect and retain your mobile device number.
Our Site and Services are not intended for children under the age of 18 or if you are not of a legal age to form a binding contract with Pefin, Inc. We do not knowingly collect personal information from these individuals.
We do not sell, publish, or share your personal information to third parties for their marketing purposes.
All of your data is encrypted and stored on our systems using military-grade encryption using multiple encryption codes. No employee at Pefin, Inc. can access your personal information or your financial account information.
For information on employee and infrastructure controls, please read our Security Policy.
The information we collect is first and foremost used to provide the Service to you. We may use the information we collect in limited ways including:
To Send You Content - Pefin, Inc. may send you content such as articles, financial news, reports, etc. that provide pertinent and relevant information to you. You can always opt out of receiving this information by changing your preferences from the user settings page of the application.
For Customer Support - In order to provide customer support to you, employees of Pefin, Inc. may require access to your personal information. Our systems and support process has multiple access controls which ensure that your information or identity is not compromised. We keep your personally identifiable information on a separate system than your financial information. A individual working on a support issue will not have access to both systems on a single support ticket. Pefin, Inc. reserves the right use third party support personnel to manage customer support. In this event, these third parties will be held to the same privacy standards as outlined in this document. In order to provide customer support to you, employees of Pefin, Inc. may require access to your personal information. Our systems and support process has multiple access controls which ensure that your information or identity is not compromised. We keep your personally identifiable information on a separate system than your financial information. An individual working on a support issue will not have access to both systems on a single support ticket. Pefin, Inc. reserves the right use third party support personnel to manage customer support. In this event, these third parties will be held to the same privacy standards as outlined in this document.
For Payment Processing - Pefin, Inc. uses third party payment processing providers to process and manage your subscription payments. These companies are authorized to use your personally identifiable information only as necessary to provide this service.
Co-Brands - In addition, we have business partners that provide our Services via a co-brand. We clearly identify co-branded services and sites. In the event that you access the Service as brought to you by one of our co-brand partners, through a co-branded URL, your email address used for registration on the Service may be provided to that co-brand partner.
Aggregate Data - We make certain automatically collected and other aggregate non-personally-identifiable information available to third parties to (i) comply with reporting obligations (ii) for business or marketing purposes (iii) to assist such parties in understanding Site and Service usage patterns.
Company Restructuring - If our company or our assets are acquired by another company, or in the event of a merger, consolidation, change in control, transfer of substantial assets, reorganization, or liquidation, we may transfer, sell, or assign to third parties, information concerning your relationship with us, including, without limitation, personal information that you provide and other information concerning your relationship with us. Such third parties will assume responsibility for the personal information collected by us in connection with our business operations or through our Sites and such third parties will assume the rights and obligations regarding such information as described in this Privacy Statement.
You can delete your data anytime you want. When you request us to delete your account for the Service, your data will be permanently deleted from our primary production servers and further access to your account will not be possible. We will also delete your account credentials as well as any connection to your financial institution accounts. However, aggregate data derived from your personal information that does not personally identify you may remain on our production servers indefinitely and we reserve the right to use such aggregated and anonymous data. Your data may also remain on a backup server or media. Like many companies, Pefin, Inc. keeps these backups to ensure we can continue to provide the Service to you if an issue with our production servers should arise.
Please note, if you delete your account, you will have to setup a new account with Pefin as if you were a new user. It is not possible to restore your account after it is deleted.
For information on how we protect your data, please review our Security Policy.
Feel free to Contact us if you have any questions or concerns.