Privacy Policy Summary
This Privacy Policy explains how We Ride Finances Inc. collects, uses, shares, and protects your personal information when you use the We Ride Finances App. It also describes your rights and choices regarding your data, including how to update or delete your information.
Key points include:
Types of personal information collected: Email, username, name, payment details, device and usage data, and any content you upload.How information is collected: Directly from you during registration and use, automatically through your device and app usage, and from third parties for analytics and marketing.Uses of your information: To provide and improve services, support, marketing, fraud prevention, and legal compliance.Sharing with third parties: Only as necessary for service provision, legal requirements, or business transitions, and not for third-party marketing without consent.Data retention: As long as you have an account and as required by law or for legitimate business purposes.Children’s privacy: No collection from children under 16 without parental consent; procedures for parental rights and data deletion.Security measures: Reasonable safeguards to protect your information.User rights: Access, rectification, erasure, restriction, portability, objection, and rights regarding automated decision-making (especially for EU users).California users: Specific rights under the CCPA, including disclosure and deletion requests.Contact information: For any privacy inquiries or requests.Outline
IntroductionPersonal Information We CollectHow We Collect InformationHow We Use Personal InformationHow Long We Retain InformationChildren’s PrivacySharing Personal Information with Third PartiesWhere We Store Your InformationCookies and AnalyticsAds and External LinksSecurityRights of EU UsersSpecific Provisions for California ResidentsUpdating Personal InformationContact Us1. Introduction
We Ride Finances Inc. ("our," "we," or "us") respects your privacy and is committed to protecting your personal information when you use our App or Services. This Privacy Policy explains how we collect, use, share, and protect your data, and your rights regarding your information. By using our App, you agree to this Policy.
2. Personal Information We Collect
We collect the following types of information:
Personal Identification: Name, email, username, profile details, and any information you upload (texts, images, videos).Financial Information: Payment details when you make purchases via Stripe or other payment providers.Usage and Device Data: IP address, device and connection information, browser type, geolocation, phone book/contacts, communications within the App.Third-Party Financial Data: We use third-party providers, specifically Plaid Inc. ("Plaid"), to gather your data from financial institutions. When you connect your bank account via Plaid, we collect identifiers (name, email), account details (balances, account/routing numbers), and transaction history.3. How We Collect Information
Directly from You: Registration, account linking, forms, and voluntary information sharing.Automatically: Technical data, cookies, and usage analytics.From Third Parties: Vendors, marketing partners, and enrichment services.4. How We Use Personal Information
We process your data for the following purposes:
Account Creation and Management: To create and manage your account.Service Provision: To provide, improve, and personalize our services.Support: To assist with customer service and technical issues.Marketing: To inform you about products, services, and promotions (with opt-out options).Security: To verify accounts, prevent fraud, and ensure legal compliance.Legal Obligations: To comply with applicable laws and regulations.Data Minimization: We only request the specific data scopes (e.g., Transactions, Balance) required to provide our financial services.Processing is justified by consent, contractual necessity, legal obligation, or legitimate interests.
5. How Long We Retain Information
We retain personal information as long as you have an account, or longer if required for legal or business reasons (e.g., fraud prevention, accounting).
Revocation and Deletion: You can revoke our access to your financial data at any time via your account settings or the Plaid Portal. Upon revocation, we will follow our internal Data Retention and Disposal Policy to securely purge your financial identifiers unless required by law.
6. Children’s Privacy
Children under 16 (or the age of digital consent in your country) may only use the App with parental consent. We do not knowingly collect data from children without verifiable parental consent. Parents may review, delete, or refuse further collection of their child’s information by contacting us.
7. Sharing Personal Information with Third Parties
We do not sell or rent your personal information to third parties for their marketing without your explicit consent. We share data with:
Service Providers: For App operation, payment processing, and fraud prevention.Legal Authorities: As required by law or to protect our rights and safety.Marketing Partners: For promotional purposes, with your consent.Business Transitions: In case of merger, acquisition, or asset sale.Plaid’s Role: By using our Service, you grant us and Plaid the right, power, and authority to act on your behalf to access and transmit your personal and financial information from your financial institution according to the terms of Plaid’s End User Privacy Policy. 8. Where We Store Your Information
We Ride Finances Inc. is committed to handling your data responsibly and securely. Depending on your location, we may process and store your data on servers located in your region (e.g., the United States, European Union, or United Kingdom) to comply with local data protection laws and enhance performance.
By using the App, you consent to the collection, transfer, and processing of your data in accordance with your region’s applicable laws. If data must be transferred across borders (e.g., from the EU to the U.S.), we will take appropriate safeguards such as Standard Contractual Clauses (SCCs) or other approved mechanisms under the GDPR.
9. Cookies and Analytics
We use cookies and similar technologies (e.g., Google Analytics, Clarity) to enhance user experience and analyze usage. You can control cookies via your browser settings, but this may affect App functionality.
10. Ads and External Links
The App may contain third-party links. We are not responsible for the privacy practices of external sites. Review their policies before sharing information.
11. Security
We implement reasonable administrative, technical, and physical safeguards to protect your data from unauthorized access, use, or disclosure.
12. Rights of EU Users
Under GDPR, you have the right to:
Access, rectification, erasure, or restriction of processingData portability and objection to automated decision-makingLodge a complaint with a supervisory authorityWe may require identity verification before fulfilling requests.
13. Specific Provisions for California Residents
Under the CCPA, you may:
Request disclosure of collected personal informationRequest deletion of your dataOpt out of the sale of your information (not applicable as we do not sell data)Not be discriminated against for exercising your rightsContact us to exercise these rights.
14. Updating Personal Information
You can update your information via your account settings or by contacting us. We will verify your identity before making changes.