Respect for your privacy is one of our core values.
The Information We Collect & How We Use It
Personally Identifiable Information
When you create an account or apply for our Services, we ask you to submit certain types of personally identifiable information. We use this information:
- to ensure, as much as reasonably possible, that it is you, rather than someone else, applying for or using our Services in your name
- to determine your eligibility for our Services under applicable law and our policy
- to create and maintain your account
- to communicate with you about your account or our Services
- to securely process the payment transactions to which you and we might agree
- to monitor and analyze our system performance and service offerings, to better serve you
- to pull a credit report from a credit bureau, such as Experian, to help determine your creditworthiness
The types of personal information we collect for these purposes can include:
- Basic profile information such as your name, address, phone number, e-mail address, and other similar information
- Identifying information such as social security number, date of birth, or other information
- Eligibility information such as employment, income, or similar information (you may be eligible for our Services even if you are not employed)
- Transactional information such as bank account numbers and routing numbers
- Financial information such as your income, account balance, payment history, credit history, or credit scores.
FitBUX may also obtain more information about applicants from third parties to help us validate or supplement this information for the business purposes listed above.
In connection with certain analytic and advisory Services, we, our third-party service providers or partners may also collect from you or, as authorized by you, from certain third parties the following types of personal information or third-party data:
- Your account balances, transactions and holdings from your financial institutions
- Your financial goals
- Your investment objectives
- Employment and income information about your household
- Retirement planning information about your household
- Other information you elect to share with us about your spouse/partner and/or beneficiaries
Except as specified above, we do not permit any third party to collect personally identifiable information about an individual consumer’s online activities on our Site.
Non-Personally Identifiable Information
We may collect various types of information that are anonymous, de-identified or otherwise not intended to personally identify you (“Non-Personally Identifiable Information”) when you visit our Site or use our Services. Such Non-Personally Identifiable Information may include, as representative examples: network or Internet protocol address and type of browser you are using (e.g., Chrome, Safari, Firefox, Internet Explorer), the type of operating system you are using (e.g., Microsoft Windows or Mac OS), the domain name of your Internet service provider (e.g., Comcast, Verizon or AT&T), mobile network, device identifiers, advertising identifiers, the web pages of the Site you have visited, the type of handheld or mobile device used to view the Site (e.g., iPhone, Android), and tokens from online services and payment systems.
FitBUX also stores transaction history and user relationships/interactions.
We use such information as well as other anonymized user data in monitoring and analyzing our systems, performance and service offerings, to maintain and optimize our business and your user experience.
FitBUX may collect additional information in other ways not specifically described here. For example, we may collect information related to interactions with customer services, collections agents, surveys or other feedback tools from third parties using technologies such as application programming interfaces (APIs).
Our Policy on Sharing Your Information with Third Parties
For Everyday Business Purposes
In the ordinary course of business, we disclose applicants’ or customers’ information only for our everyday business purposes, such as to evaluate applications, process transactions, maintain account(s), or report to credit bureaus. For instance, in order to verify that the person applying for our Services in your name is actually you we obtain certain information, including corroborating information from certain third parties. To do so, we must first share some basic information in order to identify the person we are asking about. In all cases where we share your information for our everyday business purposes, we first require that our service providers agree by contract to take reasonable steps in conformance with industry standards to maintain the security and confidentiality of that information, and to use the information we share with them only for the purpose.
To Comply with the Law, or in Response to Court Orders and Legal Investigations
FitBUX may share your personal information to comply with the laws, regulations and rules by which we are governed.
FitBUX may be compelled to share personal information with law enforcement, government officials, or other third parties in the event of a subpoena, court order or similar legal procedure, or when FitBUX believes in good faith that the disclosure of personal information is necessary to prevent physical harm or financial loss, to report suspected illegal activity, or to investigate violations of our User Agreement.
We do not share your personal Information for third party promotional use. FitBUX does not sell, rent or trade your personal information.
FitBUX shares your personal information with third parties only as described in this policy. If we decide in the future to change this policy, we will post an amended version of this statement on our website and, where required by law, provide you the opportunity to opt out of certain sharing.
To enhance, secure and simplify your online experience, we use “cookies” or similar technologies. Cookies are text files placed in your computer’s browser to store your preferences. Cookies we use do not contain, capture or disseminate personally identifiable information.
We use temporary cookies to confirm that you are logged in. We use the information for security purposes, to facilitate your navigation of the Site (so you don’t have to re-log in as you move from one part of the Site to another), to display information more effectively, to personalize your experience and to recognize authorized devices to secure your use of our Services. We also gather statistical information about web site usage in order to continually improve the design and functionality and to assist us with resolving technical support questions. These cookies terminate once you close the browser. If you do not accept cookies from FitBUX, you will not be able to use our Site.
We also use a persistent cookie that stores your login ID (but not your password) to make it easier for you to login when you come back to FitBUX on future visits. We encode our cookies so that only we can interpret the information stored in them, but they do not contain personally identifiable information. You can remove or block the persistent cookie using the settings in your browser if you want to disable the feature.
When you visit our Site or view one of our emails, we may use pixel tags (also called “clear” gifs), tracking links and/or similar technology to note some of the pages you visit on our Site and personalize your experience. We may also use pixel tags to determine what types of technology your browser supports. We may use the information collected through pixel tags, tracking links and similar technology in combination with your personally identifiable information.
How We Respond to Do Not Track Signals
Our Commitment to Security
To protect user personal information from unauthorized access and use, we use security measures that comply with relevant laws and regulations. Beyond the policies described in this Privacy Statement, we have implemented the following measures to safeguard your information.
We have put in place appropriate physical, electronic, and managerial procedures to safeguard and help prevent unauthorized access, to maintain data security, and to use correctly the information we collect online. These safeguards vary based on the sensitivity of the information that we collect and store. Only persons with a legitimate need based on their job function are authorized to access our customers’ personally identifiable information. We use technologies and practices that many banks and other financial institutions use to protect customer information, such as SSL encryption for data in transit and AES encryption for sensitive data at rest.
With regard to our analytic and advisory Services, after initial account aggregation, we do not store your financial institution credentials in our systems or in our applications. Our account aggregation service is provided by an industry-leading third-party account aggregation service. (See “Our Policy on Sharing Your Information with Third Parties” above.) That service employs comprehensive financial data security standards and is subject to ongoing multi-agency financial institution regulatory examinations.
Although we take appropriate measures to safeguard against unauthorized disclosures of information, we cannot assure you that personally identifiable information that we collect will never be disclosed in a manner that is inconsistent with this privacy statement.
How to Manage Your FitBUX Account Information
We understand that in the course of your relationship with us, certain of your personally identifiable information and preferences we maintain in connection with your account may change, such as your address, e-mail address, telephone number, and even your name. Accordingly, we allow you to update that information on your account. For active accounts in good standing, you may update most account information online once you log in at www.fitbux.com. If you are unable to make the updates on our Site, you may request the changes by contacting our customer service, but we might require supporting documentation in some instances, to protect you and us. We will continue to retain your prior personal information if required by law or as we deem necessary.
We Do Not Intentionally Collect Information on Minors or Non-US Residents
Only persons who are at least eighteen (18) years old, are resident in one of the United States or its territories or possessions, and have the right and capacity to enter into binding agreements under the law may open a FitBUX account or apply for our Services. If you do not meet those three conditions, you may not use our Site. We do not knowingly collect information from non-U.S. residents or from persons under eighteen (18) years of age.
Updates & Effective Date
From time to time, we may update this privacy statement. We will notify you about material changes in the way we treat personally identifiable information by sending an email message to the email address on your FitBUX account or by prominently posting a notice on our Site. We encourage you to periodically check back and review this statement so that you will always know our current policy on what information we collect, how we use it, and with whom we share it.
The Privacy Statement posted on this Site was updated on July 2, 2015.