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Privacy Policy

Privacy Policy for Our_Group

Effective Date: October 16, 2024

1. Introduction

Welcome to Our_Group (“we,” “our,” “us”). We are committed to protecting your privacy and ensuring the security of your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our mobile application (“App”). Please read this policy carefully to understand our practices regarding your personal data.

2. Information We Collect

We may collect and process the following types of information:

a. Personal Information

  • Identification Data: Name, email address, phone number, date of birth, and profile picture.
  • Account Information: Username, password, and security questions.
b. Financial Information
 
  • Payment Data: Bank account details, credit/debit card information, and transaction history.
  • Contribution Details: Information related to your group contributions and financial goals.

c. Usage Data

  • Device Information: Device type, operating system, unique device identifiers, and IP address.
  • App Usage: Pages viewed, features used, time spent on the App, and interaction data.

d. Communication Data

  • Messages: Content of messages exchanged within the App’s communication tools.
  • Notifications: Preferences and settings related to notifications.

e. Location Information

  • Geolocation Data: Approximate or precise location data to facilitate group activities and contributions.

f. Cookies and Tracking Technologies

  • Cookies: Small data files stored on your device to enhance your experience.
  • Tracking Technologies: Tools like web beacons and pixels to monitor App usage and gather analytics.

3. How We Use Your Information

We use the collected information for various purposes, including:

a. Providing Services

  • Account Management: Creating and managing your account.
  • Facilitating Transactions: Processing contributions, distributions, and payments securely. We collect and process sensitive information, such as financial and identification data, only with your explicit consent.
  • Group Management: Enabling group creation, contribution methods, and goal tracking.

b. Improving the App

  • Development: Enhancing app features, performance, and user experience.
  • Personalization: Customizing content and recommendations based on your usage patterns.

c. Communication

  • Updates: Sending updates, newsletters, and promotional materials.
  • Support: Providing customer support and responding to inquiries.

d. Security and Compliance

  • Protection: Ensuring the security of the App and preventing fraud or unauthorized access.
  • Legal Obligations: Complying with applicable laws, regulations, and legal processes.

e. Analytics

  • Insights: We may use automated decision-making or profiling to identify fraudulent or suspicious activity to protect our users and ensure compliance with security standards.
  • Performance Tracking: Monitoring app performance and resolving technical issues.

4. How We Share Your Information

We do not sell your personal information to third parties. We may share your information in the following circumstances:

a. With Service Providers

  • Third-Party Services: We collaborate with trusted third-party partners, including payment processors (such as Stripe), cloud storage providers, and other service partners to facilitate the App’s functionality. We only share your information with third-party service providers to the extent necessary to facilitate their services
  • Payment Processing: Our primary payment processor, Stripe, securely manages financial and identity verification information. Stripe adheres to stringent standards, including PCI DSS, to ensure the protection of your financial data.
  • Data Processing: Engaging third parties to perform tasks on our behalf, ensuring they adhere to strict confidentiality and security standards.

b. For Legal Reasons

  • Compliance: Responding to legal requests, such as subpoenas or court orders.
  • Protection: Safeguarding our rights, property, or safety, and that of our users or others.

c. Business Transfers

  • Merger or Acquisition: In the event of a merger, acquisition, or sale of all or part of our assets, user information may be transferred as part of the transaction.

d. With Your Consent

  • Specific Purposes: Sharing information with third parties when you have provided explicit consent to do so.

e. Aggregated and Anonymized Data

  • Non-Personal Information: Sharing aggregated or anonymized data that does not personally identify you for analytical or research purposes.

5. Your Rights and Choices

You have certain rights regarding your personal information:

a. Access and Correction

  • Access: Request access to your personal data held by us.
  • Correction: Request correction of inaccurate or incomplete information.

Payment Data Rights: For payment-related data processed by our third-party payment processor, Stripe, you may contact Stripe directly to exercise rights such as data access, correction, and deletion, where applicable under data protection laws.

b. Data Portability

  • Transfer: Request a copy of your personal data in a structured, commonly used, and machine-readable format.

c. Deletion

  • Erase: Request the deletion of your personal data, subject to certain legal exceptions.

d. Restriction of Processing

  • Limit: Request the restriction of processing your personal data under specific circumstances.

e. Objection

  • Oppose: Object to the processing of your personal data for certain purposes, such as direct marketing.

f. Withdraw Consent

  • Revoke: Withdraw your consent at any time where we rely on it for processing your data.

6. Data Security

We implement appropriate technical and organizational measures to protect your personal information from unauthorized access, disclosure, alteration, and destruction. These measures include encryption, secure servers, and regular security assessments. However, no method of transmission over the internet or electronic storage is entirely secure, and we cannot guarantee absolute security.

Third-Party Standards: Our payment processor, Stripe, complies with PCI DSS, using data encryption and secure processing practices to protect your payment information.

In the event of a data breach involving your personal information, we will notify affected users as required by law and take prompt action to mitigate the impact.

7. Data Retention

We retain your personal information only for as long as necessary to fulfill the purposes outlined in this Privacy Policy unless a longer retention period is required or permitted by law. Upon termination of your account or your request, we will delete or anonymize your personal data in our records.

8. International Data Transfers

Your information may be transferred to and maintained on servers located outside your country of residence. By using the App, you consent to the transfer of your data to countries that may have different data protection laws. We ensure that such transfers are conducted in accordance with applicable data protection regulations.

Third-Party Providers: Our third-party service providers, including Stripe, may process data on servers located in different jurisdictions. All transfers are conducted in line with applicable data protection regulations to ensure the safety and security of your information.

9. Children’s Privacy

Our_Group is not intended for use by individuals under the age of 18. We do not knowingly collect personal information from children. If we become aware that a child has provided us with personal data, we will take steps to delete such information promptly.

10. Cookies and Similar Technologies

We use cookies and similar tracking technologies to enhance your experience, analyze usage patterns, and deliver personalized content. You can control the use of cookies through your device settings, but disabling them may affect the functionality of the App.

11. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or legal requirements. We will notify you of any significant changes by posting the new policy within the App and updating the effective date. We encourage you to review this Privacy Policy periodically for any updates.

12. Contact Us

If you have any questions, concerns, or requests regarding this Privacy Policy or our data practices, please contact us at:

Email: [email protected]
Address: Strategi_Fi LLC

DBA: Our_Group
8511 Nichols Rain
Boerne, TX, 78015
USA