Effective date: April 22, 2018
Welcome to Worthroom!
We're here to provide you with tools and services that are designed to help you make financial progress. Before you get started, we'd like to tell you more about what we do with information we collect about you.
In other words, as legalese-y as they are, please read these documents carefully.
What This Policy Covers
That said, you should know that we may provide third party content or links to third-party web sites or applications, or include features that allow you to connect your Worthroom account with your accounts with third parties, such as financial institutions or social media platforms like Facebook. When you leave our Services or interact with a third-party feature, you should also read the applicable third party's privacy policies and terms of service to make sure you understand how they might collect and share information about you (everybody is different).
What Information We Collect
To put it simply, there are three main ways we collect information about you: when you give it to us, with automatic technologies and when we ask others for it. Allow us to explain.
Information You Provide to Us
You may provide information to us in various ways, such as through forms, features or other means offered through our Services. A couple of examples include information you provide to us when registering as a member, and feedback forms where you send us comments, questions, or other feedback. The types of information you provide us fits into two general categories:
When we combine information that isn't Personal Information (like Non-Personal Information or Usage Information, which we explain below) with Personal Information, we treat it like Personal Information for as long as it is combined.
Information We Automatically Collect
In addition to information you provide to us, we automatically collect certain information about how you access and interact with our Services (“Usage Information”). This Usage Information is a key part of how we improve your Worthroom experience and provide you with more personalized insights and recommendations. We and our partners may use various technologies to collect and store Usage Information in connection with our Services. These may include things like cookies, browser web storage (e.g., HTML5), web beacons and similar technologies. There are three types of Usage Information we may collect:
Information Third Parties Provide About You
Many of our features rely on information about you that we collect from third parties, such as the free credit reports and credit scores we request on your behalf from TransUnion and Equifax. We may also work with different third party partners to supplement the Usage Information and other information we collect directly from you. For example, our partners may provide us with information such as employment or income data, vehicle or driver information, or information about special offers available based on your credit profile so that we can give you more personalized recommendations. We might also collect information from other users like you through things like a member referral program.
How We Use the Information We Collect
We use the information we collect from you and third parties to operate our Services, communicate with you, conduct research and development to improve or enhance our Services and our users' experience, and promote our Services. These are a few examples:
When We Share the Information We Collect
First, we want to be clear about how we do not share information about you (what we call the “No-Nos”):
Now that we've covered the No-Nos, let us explain how we could share with third parties. We may share information about you, including Personal Information, with third parties in a variety of ways, such as:
We may also share with third parties de-identified or aggregated data we collect, such as de-identified or aggregated credit reports or scores, de-identified demographic information, or information about the computer or device from which you access the Service. We share such information for a variety of purposes, including to analyze Service usage, develop shared services, and improve our own products and features.
How to Access, Update or Deactivate Your Account
Accessing and Updating Your Account Information
You are responsible for maintaining the accuracy of the information you provide to us, such as your Member Profile information. You can access and make changes to certain Personal Information by logging in to your account through our website and updating your "Personal Information" page.
You can manage your communications preferences by visiting your account profile. For example, you can choose which types of monitoring alerts you want to receive. We'll also include "unsubscribe" instructions in marketing emails. You may also have the ability to adjust app- or browser-specific communications settings (e.g., for things like push or browser notifications) within the settings screen of your mobile app or browser. Technology moves fast, so the types of communications and communication preference options might change from time to time.
Canceling Your Membership and Deactivating Your Account
We hope this never happens, but if you decide you no longer want to use our Services, you can cancel and deactivate your account on our help page.
One more thing to note: Due to our recordkeeping and information retention requirements, we do not delete information about you upon deactivation. We will, however, disable your account and stop sending you further communications. Furthermore, except to the extent necessary for legal or regulatory recordkeeping purposes, we anonymize the data in your Member Profile two years after you deactivate your account. It may take a little more time for our automated backup systems to fully process the anonymized account, though.
Our Interest-Based Advertisement Practices
Advertising Service Providers
Disclosure Regarding Google Analytics Advertising Features
In addition to services from other Advertising Service Providers, we use the following Google Analytics Advertising Features as part of our marketing analytics and advertising: Remarketing with Google Analytics, Google Display Network Impression Reporting, DoubleClick Platform integrations and Google Analytics Demographics and Interest Reporting. We may also use other services provided by Google Analytics from time to time. At present, Google provides users an opportunity to opt-out of the Google Analytics Features through Google's Ads Settings and their web browser opt-out plugin. However, we do not control these opt outs, which may be updated or removed by Google in accordance with its own policies. For additional information on opting out of interest-based ads by Google, you can visit Google's Opt out page here.
Do Not Track Signals
At this time, we do not respond to automated signals regarding tracking mechanisms, including “do not track” instructions from your browser. Please note that blocking cookies may affect your browsing experience on many sites and may limit your ability to use certain features of our Services, including many of the personalized features we provide for our members.
Our Security Practices and Social Security Protection Policy Statement
Worthroom maintains physical, electronic, administrative and procedural safeguards intended to protect the confidentiality of Personal Information that we collect about you, including Social Security numbers. We limit access to Social Security numbers to help protect against their loss or misuse and we do not disclose Social Security numbers to third parties except with your consent, or where such disclosure is required or permitted by law. Read more about our Security Practices.
If you have any questions about security on our Services, you can contact us here.
Want More Information?
Thanks for taking the time to read through all this. If you have questions regarding this policy or privacy practices at Worthroom, you can contact our legal department here or write to us at: Worthroom, Inc. Attention: Dyson Worth, 2033 Swan Dr, Costa Mesa, CA 92626.