This Privacy Policy applies to personal information processed by Truv Inc. (“Truv”, “we”, “us”, “ours”) through the websites money.checkr.com and checkrmoney.com, and our related web and mobile applications (collectively, “Money by Checkr”).
Money by Checkr allows users to view, organize, analyze, track, and monitor their personal financial information in one place (the “Services”). Your information will be referred herein as “Data.”
For California residents see here.
This Policy explains what personal information we collect through Money by Checkr, how we use and share that data, and your choices concerning our data practices.
Please read this Policy carefully. You understand that by accessing Money by Checkr or using our Services you accept the terms and conditions established in this Privacy Policy.
The Services may contain links to other websites/applications and other websites/applications may reference or link to our Services. These third-party services are not controlled by us. We encourage our users to read the privacy policies of each website and application with which they interact. We do not endorse, screen or approve, and are not responsible for, the privacy practices or content of such other websites or applications. Providing personal information to third party websites or applications is at your own risk.
The Services are not directed to children under 13 (or other age as required by local law), and we do not knowingly collect personal information from children. If you learn that your child has provided us with personal information without your consent, you may contact us as set forth below. If we learn that we have collected a child’s personal information in violation of applicable law, we will promptly take steps to delete such information and terminate the child’s account.
The categories of personal information we collect depend on how you interact with our Services. Unless specified otherwise, all Data requested by the Services is necessary for the operation of Money by Checkr
Any use of Cookies – or of other tracking tools – by the Services or by the owners of third-party services used by us serves the purpose of providing the Services, in addition to any other purposes described in the present document and in the Cookie Policy, if available.
You acknowledge that you are responsible for the Data obtained, published or shared with us and confirm your consent to provide the Data to Truv.
When you use Money by Checkr to view, organize, analyze, track, and monitor your financial information in one place, we may collect personal information that you provide directly, such as:
Automatic Data Collection. We may collect certain information automatically when you use the Services. This information may include:
Cookies, Pixel Tags/Web Beacons, and Analytics Information. We, as well as third parties that provide content, advertising, or other functionality on the Services, may use cookies, pixel tags, local storage, and other technologies (“Technologies”) to automatically collect information through the Services. Technologies are essentially small data files placed on your device that allow us and our partners to record certain pieces of information whenever you visit or interact with our Services.
Analytics. We may use analytic tools to enable us to monitor and analyze web traffic and can be used to keep track of your behavior. We may use the following analytic service providers:
Matomo - Matomo is an analytics software used by the Services to analyze data directly without the help of third parties. Personal Data processed: Trackers; Usage Data [1].
Google Analytics (Google LLC) - Google Analytics is a web analysis service provided by Google LLC (“Google”). Google utilizes the Data collected to track and examine the use of the Services, to prepare reports on its activities and share them with other Google services.
Google may use the Data collected to contextualize and personalize the ads of its own advertising network. Personal Data processed: Trackers; Usage Data. Place of processing: United States –Privacy Policy –Opt-Out.
You can opt out of Google Analytics’ collection and processing of data generated by your use of our website by following the instructions here.
Displaying content from external platforms. This type of service allows you to view content hosted on external platforms directly from the pages of this Application and interact with them. This type of service might still collect web traffic data for the pages where the service is installed, even when Users do not use it. We may use the following service provider: Google Fonts (Google LLC) - Google Fonts is a typeface visualization service provided by Google LLC that allows this Application to incorporate content of this kind on its pages. Personal Data processed: Trackers; Usage Data. Place of processing: United States –Privacy Policy.
Hosting and backend infrastructure. This type of service has the purpose of hosting Data and files that enable the Services to run and be distributed as well as to provide a ready-made infrastructure to run specific features or parts of the Services. Some services among those listed below, if any, may work through geographically distributed servers, making it difficult to determine the actual location where the Personal Data are stored. We may use the following service provider: Amazon Web Services (AWS) (Amazon Web Services, Inc.) - AWS is a hosting and backend service provided by Amazon Web Services, Inc. Personal Data processed: various types of Data as specified in the privacy policy of the service. Place of processing: United States –Privacy Policy.
Remarketing and behavioral targeting. We do not use the information collected on your behalf from the third-party platforms that host your Data for marketing purposes. We may use the Data you enter on our website and consent to receive marketing, advertisement, and/or promotional communications by us. For which we use this type of service that allows us to inform, optimize and serve advertising based on your past use of the Services. This activity is facilitated by tracking Usage Data and by using Trackers to collect information which is then transferred to the partners that manage the remarketing and behavioral targeting activity. Some services offer a remarketing option based on email address lists. Services providers of this kind usually offer the possibility to opt out of such tracking. In addition to any opt-out feature offered by any of the service providers below, you may learn more on how to generally opt out of interest-based advertising within the dedicated section "How to opt-out of interest-based advertising" in this document. We may use the following service provider: LinkedIn Website Retargeting (LinkedIn Corporation) - LinkedIn Website Retargeting is a remarketing and behavioral targeting service provided by LinkedIn Corporation that connects the activity of this Application with the LinkedIn advertising network. Personal Data processed: Trackers; Usage Data. Place of processing: United States –Privacy Policy –Opt-Out.
Traffic optimization and distribution. This type of service allows the Services to distribute their content using servers located across different countries and to optimize their performance. Which Personal Data are processed depends on the characteristics and the way these services are implemented. Their function is to filter communications between the Services and your browser. Considering the widespread distribution of this system, it is difficult to determine the locations to which the contents that may contain Personal Information of the User are transferred. We may use the following service provider: Cloudflare (Cloudflare Inc.) - Cloudflare is a traffic optimization and distribution service provided by Cloudflare Inc. The way Cloudflare is integrated means that it filters all the traffic through the Services, i.e., communication between the Services and your browser, while also allowing analytical data from the Services to be collected. Personal Data processed: Trackers. Place of processing: United States –Privacy Policy.
Managing contacts and sending messages. This type of service makes it possible to manage a database of email contacts, phone contacts or any other contact information to communicate with you. These services may also collect data concerning the date and time when the message was viewed by you, as well as when you interacted with it, such as by clicking on links included in the message. We may use the following service provider: Sendgrid (Sendgrid) - Sendgrid is an email address management and message sending service provided by Sendgrid Inc. Personal Data processed: Trackers. Place of processing: United States –Privacy Policy.
Tag Management. This type of service helps us to manage the tags or scripts needed on the Services in a centralized fashion. This results in the users' Data flowing through these services, potentially resulting in the retention of this Data. We may use the following service provider: Google Tag Manager (Google LLC) - Google Tag Manager is a tag management service provided by Google LLC. Personal Data processed: Trackers. Place of processing: United States –Privacy Policy.
We take appropriate security measures to prevent unauthorized access, disclosure, modification, or unauthorized destruction of your information.
The Data processing is carried out using computers and/or IT enabled tools, following organizational procedures and modes strictly related to the purposes indicated. In addition to Truv, in some cases, the Data may be accessible to certain types of persons in charge, involved with the operation of the Services (administration, sales, marketing, legal, system administration) or external parties (such as third-party technical service providers, mail carriers, hosting providers, IT companies, communications agencies) appointed, if necessary, as Data Processors by us. The updated list of these parties may be requested from the Owner at any time.
When you use Money by Checkr, we process your personal information primarily to provide you with a centralized view of your finances and related tools, including:
Money by Checkr is a readonly service. We do not initiate or control the movement of funds in or out of your financial accounts.
For clarity, Money by Checkr provides tools to help you view, organize, analyze, track, and monitor your financial information. It does not provide personalized financial, investment, tax, or legal advice, and Truv does not act as a consumer reporting agency under the Fair Credit Reporting Act (“FCRA”).
We, as well as third parties that provide content, advertising, or other functionality on the Services, may use cookies, pixel tags, local storage, and other technologies to automatically collect information through the Services. Our uses of these Technologies fall into the following general categories:
We may share your personal information with the following categories of third parties:
Truv does not transfer personal data to third parties outside the United States. We make no representation that our Services are appropriate or even available outside the United States and its territories, and where such access may be illegal and/or prohibited. In the event you are accessing and using the Services outside the United States you are aware and consent for Truv to process your personal data and information under the terms and conditions of this Privacy Policy.
General. You may be able to opt out of certain uses of your personal information.
Email Communications. If you receive an unwanted email from us, you can contact us at the contact information displayed at the bottom of this policy, and request to opt out of receiving future emails. Note that you will continue to receive transaction-related emails regarding products or Services you have requested. We may also send you certain non-promotional communications regarding us and our Services, and you will not be able to opt out of those communications (e.g., communications regarding the Services or updates to our Terms of Service or this Privacy Policy).
“Do Not Track”. Do Not Track (“DNT”) is a privacy preference that users can set in certain web browsers. Please note that we do not respond to or honor DNT signals or similar mechanisms transmitted by web browsers. To determine whether any of the third-party services it uses honor the “Do Not Track” requests, please read their privacy policies.
Cookies and Interest-Based Advertising. You may stop or restrict the placement of Technologies on your device or remove them by adjusting your preferences as your browser or device permits. However, if you adjust your preferences, our Services may not work properly. Please note that cookie-based opt-outs are not effective on mobile applications. However, you may opt-out of personalized advertisements on some mobile applications by following the instructions for Android, iOS and others.
The online advertising industry also provides websites from which you may opt out of receiving targeted ads from data partners and other advertising partners that participate in self-regulatory programs. You can access these and learn more about targeted advertising and consumer choice and privacy by visiting the Network Advertising Initiative, the Digital Advertising Alliance, the European Digital Advertising Alliance, and the Digital Advertising Alliance of Canada.
Please note you must separately opt out in each browser and on each device.
In accordance with applicable law, you may have the right to:
Details about the right to object to processing. Where Personal Data is processed for a public interest, in the exercise of an official authority vested in us or for the purposes of the legitimate interests pursued by us, you may object to such processing by providing a ground related to their particular situation to justify the objection.
You must know that, however, should your Data be processed for direct marketing purposes, you can object to that processing at any time without providing any justification. To learn whether we are processing Data for direct marketing purposes, you may refer to the relevant sections of this document.
How to exercise these rights. If you would like to exercise any of these rights, please contact us contact us at support@truv.com.
We will process such requests in accordance with applicable laws. To protect your privacy, we will take steps to verify your identity before fulfilling your request.
These requests can be exercised free of charge and will be addressed by us as early as possible.
We store personal information for as long as necessary to provide Money by Checkr Services, resolve disputes, enforce agreements, pursue legitimate business purposes, and comply with applicable laws.
We take steps to ensure that your information is treated securely and in accordance with this Privacy Policy. Unfortunately, no system is 100% secure, and we cannot ensure or warrant the security of any information you provide to us. To the fullest extent permitted by applicable law, we do not accept liability for unauthorized disclosure.
By using the Services or providing personal information to us, you agree that we may communicate with you electronically regarding security, privacy, and administrative issues relating to your use of the Services. If we learn of a security system’s breach, we may attempt to notify you electronically by posting a notice on the Services, by mail or by sending an email to you.
This section provides additional details about the personal information we collect about California consumers and the rights afforded to them under the California Consumer Privacy Act (CCPA) as amended by the Consumer Privacy Rights Act (CPRA). Personal information does not include publicly available information from government records; de-identified or aggregated consumer information; and information governed by the federal Gramm-Leach-Bliley Act (GLBA), the federal Fair Credit Reporting Act, the California Financial Information Privacy Act, or the Driver’s Privacy Protection Act. We do not knowingly collect data on any consumer that is 16 years of age or younger.
We may collect “sensitive personal information,” however we do not sell or share such information.
In the last 12 months, we may have collected the following categories of personal information:
For each of the above categories, Truv uses the California Personal Information for a variety of business purposes such as:
California residents may:
You may request to exercise your Rights by contacting us as outlined below under the “Contact section.
As required under applicable law, Truv will take steps to verify your identity before granting you access to information or acting on your request. Truv may require you to provide your first name, last name, email address, the amount of your last transaction and the date of your last transaction to verify your identity in response to exercising requests of the above type. Truv may limit our response to your exercise of the above rights as permitted under applicable law. When you submit a request to exercise your rights above, Truv will use the information you provide to process your request and to maintain a record of your request and our response, as permitted under applicable law.
Under California law, you may designate an authorized agent to make a request on your behalf. You may make such a designation by providing the agent with written permission to act on your behalf. Truv will require the agent to provide proof of that written permission. To the extent permitted by law, Truv may require you to verify your own identity in response to a request, even if you choose to use an agent.
If you are an authorized agent submitting a request on behalf of a California Party, please make a request as outlined below under “Contact Us”.
You do not need to create an account with us to submit a request to know or delete.
You have the right to request access to personal information collected about you going back to January 1, 2022, provided we still retain that data.
You have the right to limit our use of this data to only what is necessary to perform the Services.
We will confirm receipt of your request within ten (10) business days. If you do not receive confirmation within the 10-day timeframe, please contact us using the contact information included in the section above called “Exercising Your Rights to Know or Delete.”
We endeavor to substantively respond to a verifiable consumer request within forty-five (45) days of its receipt. If we require more time (up to another 45 days), we will inform you of the reason and extension period in writing.
If you have an account with us, we will deliver our written response to that account. If you do not have an account with us, we will deliver our written response by mail or electronically, at your option.
Any disclosures we provide will only cover the 12-month period preceding our receipt of your request. The response we provide will also explain the reasons we cannot comply with a request, if applicable. For data portability requests, we will select a format to provide your personal information that is readily usable and should allow you to transmit the information from one entity to another entity without hindrance.
We do not charge a fee to process or respond to your verifiable consumer request unless it is excessive, repetitive, or manifestly unfounded. If we determine that the request warrants a fee, we will tell you why we made that decision and provide you with a cost estimate before completing your request.
We do not sell the personal information we collect.
Certain U.S. state laws (for example, in Virginia, Colorado, Connecticut, Utah and others) give their residents specific rights regarding personal information. To the extent those laws apply to Truv and to you, you may have rights that are similar to some or all of the following: (i) to confirm whether we process your personal information and to access such information; (ii) to correct inaccuracies in your personal information; (iii) to delete personal information; (iv) to obtain a copy of your personal information in a portable format; and (v) to opt out of certain types of processing, such as targeted advertising, selling of personal data, or profiling in furtherance of decisions that produce legal or similarly significant effects.
You may exercise these rights by contacting us at support@truv.com (or as otherwise described in this Privacy Policy), and we will respond in accordance with applicable law. We may ask you to verify your identity before fulfilling your request. If we deny your request, you may have the right to appeal our decision; if so, you can do this by replying to our response and clearly indicating that you wish to appeal, and we will respond as required by applicable law.
We may revise this Privacy Policy from time to time at our sole discretion. If there are any material changes to this Privacy Policy, we will notify you as required by applicable law. You understand and agree that you will be deemed to have accepted the updated Privacy Policy if you continue to use the Services after the new Privacy Policy takes effect.
If you have any questions about our privacy practices or this Privacy Policy, or if you wish to submit a request to exercise your rights as detailed in this Privacy Policy, please contact us at: support@truv.com or by mail at: 218 NW 24TH ST 2nd & 3rd Floors, Miami FL 33127.
[1] Usage Data
Information collected automatically through the Services(or third-party services employed in the Services), which can include: the IP addresses or domain names of the computers utilized by you while using the Services, the URI addresses (Uniform Resource Identifier), the time of the request, the method utilized to submit the request to the server, the size of the file received in response, the numerical code indicating the status of the server's answer (successful outcome, error, etc.), the country of origin, the features of the browser and the operating system utilized by you, the various time details per visit (e.g., the time spent on each page within the Application) and the details about the path followed within the Services with special reference to the sequence of pages visited, and other parameters about the device operating system and/or your IT environment.