Privacy Policy

• What information we collect and how it is collected;
• How we use the information;
• With whom we may share information;
• Legal basis for processing the information;
• Your rights and choices;
• Security and storage of the information;
• Third-party websites;
• Users outside the United States;
• California and Nevada Compliance;
• Changes to the Policy;
• Contacting Oz.

In your communications with us, and through your use of our App, Site or Services, you or your organization may provide us with Personal Information voluntarily. This includes, but is not limited to:

• Information you provide when you create an account, including without limitation, contact information, log in credentials, and other profile information and preferences that you upload to your account (such as your name, email address, phone number, income, and date of birth);
• Information you provide when you interact with the Services, including without limitation, financial information such as your account balance, descriptions of financial transactions, budget names and amount, and descriptions regarding the foregoing;
• Information that is uploaded during troubleshooting and support (including the content of your chats and other communications with us) and other information that we obtain when you contact us with questions or comments;
• Payment information: we may use third party payment processors that collect and store your payment information, including your billing address and credit card information. We may collect and store payment related information (such as the payment amount, date, and card type);
• Information you provide when you choose to integrate the Services with other apps or functionalities on your mobile device (such as your photos or contacts), including information that may be contained in those other apps/functionalities.For example, when you connect your registered account with us to financial institutions and other third-party data sources (“Financial Data Sources”) or you otherwise provide us with access to information from those Financial Data Sources, we will collect certain financial information, including your account balance, transactions, and holdings. We may use third-party data sources to assist in collecting and syncing your information, including financial information, from Financial Data Sources, and by connecting your account to a Financial Data Source, you agree to all applicable third-party sources’ terms and conditions and privacy policies.

We and our Service Providers (as defined below) use Cookies and other technologies to receive and store certain information, which may or may not be Personal Information. You may opt-out of relevant cookies using opt-out features on their respective websites. Based on your opt out preferences, we may automatically collect or receive information about you whenever you access the App, Site or Services. In some countries, this information is considered Personal Information under applicable data protection laws. Please be aware that if you disable or reject cookies, some features of the Services may not work properly.

This information may include:

• Device information: We collect information about the device and applications you use to access the Site or Service, including your IP address, browser, and operating system.
• Log data: Our systems keep log data that includes information each time our App, Site or Services were accessed (such as time and originating IP address).
• Usage data: We collect data about your usage whenever you interact with our App, Site or Services. In addition, we use third-party Service Providers to collect certain analytics including information about the activities of visitors to our App and Site.
• Communications information: We collect information regarding communications (including notifications) sent using our App, Site or Services, or by us (such as delivery status of emails and replies to text notifications).

We may get information about you from third-parties, such as social media platforms, other users of the Services, payment service providers, analytics service providers, and security service providers. Furthermore, if you access the Services through a third-party connection or log-in (e.g., a social media account), you may allow us to have access to and store certain information from such third-party services, depending on your settings on that service.

We may use information we collect, including Personal Information, to do the following:

• Provide the Oz Services:
  In order to provide the best Services we can, we will use the information you provide. We may use your information to: manage your account, respond to your inquiries, and provide customer service and support, among other things. We use the payment information you provide to charge you for any paid subscriptions, alert you of charges, present you with billing history and functionality, and perform internal financial processes.
• Communicate with you:
  •   Service-related communications. We may send you service and administrative emails. These messages are considered essential components of the Services and you may not opt out of these messages.
  •   Promotional. Unless you opt out, we may send you emails about Oz products and news, or other topics we think are relevant. You may opt out of receiving these communications at any time by following the unsubscribe instructions provided in the promotional email you receive or by emailing us directly at hello@ozoptimizer.com with “OPT-OUT”, “UNSUBSCRIBE”, “STOP”, or “REMOVE” in the subject line. Removing your name from the email list may take a reasonable amount of time. Please note that, regardless of your request, we may still use and share certain information as permitted by this Privacy Policy or as required by applicable law.
  •   Responding to your requests. We will use your information to respond to your questions or comments.
  •   Administrative. We may contact you about changes in Services and offerings. We may also contact you with notices about Services and offerings, including changes to this Policy, and security and fraud notifications.
  •   Research and analytics. Subject to your opt-out preference, we may contact you as part of research or data analytics projects to aid in our legitimate business interests in improving our services and products.
• Protecting Rights and Interests:
  We may use your information to protect the rights and interests of Oz and our users, and to enforce our Terms of Service and this Policy
• Legal Compliance:
  We may use your information in complying with applicable legal and regulatory obligations. This includes complying with requests from law enforcement and other governmental authorities, and in meeting demands stemming from legal proceedings.
• Settle a charge dispute:
  In the event of a payment dispute, we may share account information with our payment processors or your bank to verify the legitimacy of a charge.
• Combined Information:
  We may combine the information that we collect through the Services with information that we receive from other sources and use such combined information in accordance with this Privacy Policy.
• Aggregate/De-identified Information:
  We may aggregate and/or de-identify any information collected through the Services so that such information can no longer be linked to you or your device (“Aggregate/De-Identified Information”). We may use Aggregate/De-Identified Information for any purpose, including without limitation for research and marketing purposes, and may also share such data with any third parties in our discretion.
• Other:
  In the course of managing our business or performing business functions, we may use your information in a way described to you at the time of collection, and subject to your consent.

We do not sell your Personal Information. We do not disclose your Personal Information in exchange for money. We do not share your Personal Information except as indicated within this Policy.

We may share your Personal Information and other information in the following ways:

• With third-party Service Providers, agents, contractors, or government entities.
  In order to provide a valuable service, we may work with companies, agents, or contractors (“Service Providers”). We may engage Service Providers to process payments; monitor and develop Oz services; develop or maintain communications, infrastructure, or information technology services; provide customer service; collect debt; and analyze or enhance data. Service Providers may have access to your information as part of their duties. Service Providers may also collect information, which may be Personal Information, on our behalf. We may share information, which may be Personal Information, with Service Providers and government entities for the following reasons: to address legal, security and safety concerns; to enforce policies and contracts; to address security breaches; and to assist in investigations. We may also share information with the Financial Data Sources to help establish or maintain an integration you have chosen to make.
• We may share your data if we believe it is reasonably necessary for any of the following reasons.
  to comply with a law, regulation, legal, or governmental request, including any subpoena, court order, warrant, or other legal process; to enforce applicable Terms of Service or this Policy, including investigation of potential violations; to protect the safety, rights, or property of Oz, its Users, or the public; to detect, prevent, or otherwise address security or technical issues; to detect, prevent, or otherwise address illegal, or suspected illegal, activities, including fraud; or as evidence in litigation.
• Other Users.
  To the extent that you post content in any publicly accessible parts of the Services or choose to make certain content or account information viewable by other users or the public, such content and information can be read, collected, and used by others with permission to view it.
• Affiliates.
  For research, marketing, and other purposes, we may disclose information to affiliates and subsidiaries in a manner consistent with this Policy.
• Your Company.
  If you are using Oz as a member of a company or using a company email address, we may share information about your account with an authorized agent of your company upon request.
• Mergers and Sale Transaction.
  We may share your information, including Personal Information, in the event of a merger, divestiture, restructuring, reorganization, dissolution, or other sale or transfer of some or all of our business or assets, whether as a going concern or as part of bankruptcy, liquidation, or similar proceeding.

If you share your information with other Users, we take no responsibility for the way they use your information, and you provide such information at your own risk. If you feel your information is being misused, please contact us immediately and we will review this and take action as we deem appropriate. You can also contact us to ask to remove your information from our systems as defined in this Policy.

Your Rights and Choices

• Account.
  You can keep your Personal Information accurate and up to date by logging in and changing it. You may also contact us to request information about your Personal Information we have collected and to request corrections to it. You may also request that we delete your Personal Information or your entire account. We will try to honor your requests to the best of our ability, subject to any legal or contractual obligations. If you would like to make any of the aforementioned requests, please contact us at hello@ozoptimizer.com. If you request for us to delete your account or Personal Information, we will only retain information as necessary to comply with legal obligations, resolve disputes, and enforce agreements.
• Email.
  You may opt out of promotional emails from us by following the opt-out link in any promotional email we send you. Please note that it may take up to ten (10) days for changes to take effect. If you opt out of promotional emails, we may continue to send service-related emails, which you may not opt-out from. If you do not wish to receive service-related emails, please delete your account.
• Cookies.
  You may disable Cookies via your browser settings or via limited opt-out functionality in Oz. Please refer to your browser’s help function for instructions about how to change Cookies settings. Please keep in mind that Oz uses Cookies to enable authentication and other features, so you may need Cookies in order to use the App, Site or Service.
• Third Party Analytics Service.
  Some of the third-party analytics services we use provide the ability to opt-out. You acknowledge that these third-party services are responsible for their own websites, services, and use of your Personal Information, and we recommend checking the website of each third-party service frequently.
• Additional Rights.
  Subject to local law, you may have additional rights under the laws of your jurisdiction regarding your Personal Information, such as the right to contact your local data protection authority for assistance.

Oz takes the security of your Personal Information very seriously. We seek to protect your Personal Information from unauthorized access, use and disclosure using appropriate physical, technical, organizational, and administrative security measures based on the type of Personal Information and how we are processing that data. You should also take steps to protect against unauthorized access to your device and account by, among other things, choosing a unique and complex password that nobody else knows or can easily guess and keeping your log-in and password private. We are not responsible for any lost, stolen, or compromised passwords or for any activity on your account via unauthorized password activity. Although we work to protect the security of your account and other data that we hold in our records, please be aware that no method of transmitting data over the internet or storing data is completely secure, and there is no guarantee that Personal Information will be absolutely safe from access, alteration, or destruction by a breach of any of our physical, technical, and managerial safeguards.

We retain the Personal Information we collect for so long as is reasonably necessary to fulfill the purposes for which the data was collected, to perform our contractual and legal obligations, and for any applicable statute of limitations periods for the purposes of bringing and defending claims.

Our App, Site or Services may contain links to third-party websites and applications. Subject to your opt-out preferences (see Your Rights and Choices), we may also use third-party advertisers, ad networks, and other advertising, marketing, and promotional companies, to serve advertisements on our App or Site. Any access to and use of such linked websites and applications is not governed by this Policy but instead is governed by the privacy policies of those third parties. We are not responsible for the information practices of such third-party websites or applications, and should you choose to link to them through our Site you do so at your own risk.

We host our App, Site and Services, and any and all databases and servers in the United States. If you are an individual located in the European Union, the United Kingdom, Canada or another jurisdiction outside of the United States with laws and regulations governing Personal Information collection, use, and disclosure that differ from United States laws, you should not use our App, Site or Services or provide us with any of your information, whether Personal Information or otherwise. Please be aware that information we collect (including through the use of methods such as Cookies and other web technologies) will be processed and stored in the United States or in other countries where we or our third-party Service Providers have operations. By using Oz and submitting Personal Information, Users give their express consent to have it transferred to, processed, and stored in the United States or other jurisdictions which may not offer the same privacy protections available in your local jurisdiction or country of citizenship/residence.

We do not support “Do Not Track” requests. To determine whether any of the third-party services we use honor “Do Not Track” requests, please read the individual privacy policy for each such service.

To learn more about the Oz dispute resolution process, please see the Terms of Service.

California laws, including the California Consumer Privacy Act and the “Shine the Light” law, give California residents certain rights regarding use and disclosure of “personal information” (as defined under California law). Oz will comply with all relevant California privacy laws, and will not share a User’s “personal information” with third parties for their own direct marketing purposes.

This Policy is current as of the date first set forth above.
Oz may change this Policy from time to time in its discretion, including if we change the way we handle information. We may also change this Policy to make clarifications or adjustments. If we make such changes, we will post them here. You are responsible for checking this page for such changes. If you continue using Oz after changes are made effective, you agree to the revised Policy.

If you have any questions or comments about this Policy, please contact us at hello@ozoptimizer.com.