Last Updated: November 10, 2021
1. INTRODUCTION
Thank you for using Mooch! Capitalized terms used but not defined shall have the respective meanings given to them in the Terms of Service (https://www.amoochlife.com/terms-and-conditions) (the “Terms”). The provisions of the Terms apply to this Policy as well. We created this Privacy Policy (“Policy”) to give you confidence as you visit and use our Service. This Policy covers how we collect, use, store, and share your information when you use our Service. All references to “we”, “us”, “our”, “Mooch”, or “Knab” refer to Knab, Inc., a Delaware corporation. All references to “you”, “your”, or “partner”, relate to the person who registered an Account on the App to use or access the Services.
Please read this Policy carefully. By creating an Account, you represent and agree that you have read, understand, and agree to be bound by both this Policy and our Terms as binding agreements.
We may update this Policy from time to time. If you continue using the Service after we make any changes to this Policy, you accept and agree to be bound by those changes. The most updated version of this Policy will always be posted on the Service, so we encourage you to check the Policy periodically. In certain situations, we may notify you about material changes to the Policy. You are responsible for ensuring we have an up-to-date, active, and deliverable email address on file for you, and you agree that your use of the Service will be subject to any updated Policy posted on the Service, whether or not you receive notice of such changes. We will provide annual privacy notices to partners describing whether and how Mooch shares partners' non-public personal information via email.
2. APPLICABILITY
This Policy applies to personal information we collect on the Service. As used in this Policy, “personal information” means information that can be used to identify any natural person either directly or indirectly.
3. PERSONAL INFORMATION WE COLLECT
3.1 Personal Information You Voluntarily Provide to Mooch
When you register for an Account, we require that you provide us with certain personal information about you. This includes, but is not limited to, your first and last name, physical or mailing address, email address, phone number, birth date, Apple ID, iCloud information, social security number, and information regarding your bank account (such as the name of the bank, the account type, routing number, and account number). As part of the account registration and verification process, we or our Third Party Partners may also ask you for certain other information, as well as documents that include personal information about you. These documents include, but are not limited to, contact information verification, copies of government-issued identification, or other pertinent financial information. The collection of this information is necessary to provide the functionality of the Service and/or to comply with applicable laws and regulations related to the Service’s product offerings.
3.2 Personal Information We Collect Automatically
In addition to the information that you provide to us voluntarily, we collect information automatically through the Service, such as how you use and interact with the Service, data on activities that you pursue through the Service, pages visited, links clicked, and other similar activities.
This information is used to provide you with the Service, to better understand our partners and how they use the Service, and to improve the Service.
3.3 How We Use Personal Information
We use the personal information that we collect to make the Service available to our partners, to comply with our legal obligations under anti-money laundering and related laws, to market and promote the Service, to improve the Service, and to protect our legal rights.
Examples of the ways in which we may use your personal information include:Allowing you to register for an Account and use the Services;Verifying your identity in compliance with our obligations under applicable law;Identifying fraudulent or illegal activity;Providing you with information, products, or services that you request from us;Carrying out our obligations and enforcing our rights arising from any contracts entered into between you and us, including for billing and collection, if applicable;Notifying you about changes to the Service, such as updates to this Policy; and understanding how our partners interact with the Service to improve the Service and our product offerings. In addition to the above, if you choose to opt in to receive marketing and promotional communications from us, we may use your personal information to contact you with email newsletters or about our products and special events. If you no longer want to receive marketing-related emails from us, you may opt-out via the unsubscribe link included in such emails, or by whatever other means we allow you to unsubscribe. We will try to comply with your request(s) as soon as reasonably practicable. Please note that if you opt-out of receiving marketing-related emails from us, we may still send you important administrative messages that are required to provide you with our Services.
We may also use your personal information for any other purposes with your consent.
3.4 How We Share Personal Information
We may disclose personal information that we collect in the following circumstances: With our subsidiaries and affiliates;With our contractors and vendors who support aspects of the Service and our business, including: services related to website hosting, data analysis, information technology and related infrastructure, bank account identity and authentication, help desk and support, partner identity verification, and fraud prevention;With our Third Party Partners;With a buyer or other successor in the event of a merger, reorganization, dissolution or other sale or transfer of some or all of our assets, whether as a going concern or as part of bankruptcy, liquidation, or similar proceeding, in which personal information held by us about our partners is among the assets transferred (in such event, we will provide notice to our partners of such transfer);When we believe, in good faith, that disclosure is necessary to prevent physical harm or financial loss, to report suspected illegal activity, or to investigate violations of our Terms of Service (https://www.amoochlife.com/terms-and-conditions) or any other applicable policies; andWith your express consent. Additionally, from time to time, we may receive requests from government agencies to obtain information about our partners. In handling such government requests, we greatly value the privacy of your information. While we may be required to turn over partner information at times, we will strive to require a search warrant or subpoena, to the extent that we can reasonably demand such warrant or subpoena, before we turn over information about you and we will also strive to notify partners when we receive government requests about their data.
Finally, we may disclose anonymized, non-personal information about the Service and our partners without restriction.
3.5 Accessing and Correcting Your Information
You are solely responsible for ensuring that any personal information that you provide to us is accurate. You may be able to view and update certain personal information that we have about you by logging into your Account or by emailing the address provided at the end of this Policy. Please note that we reserve the right to reject any changes you make to your personal information and to reject any requests to change your personal information submitted through inappropriate channels.
3.6 Special Notice for California Residents
If you reside in California, you have the right to ask us one time each year if we have shared personal information with third parties for their direct marketing purposes. To make a request, please send us an email at hello@amoochlife.com or write to us at the address listed at the end of this Policy. Indicate in your letter that you are a California resident making a “Shine the Light” inquiry.
4. DATA SECURITY AND RETENTION
We use commercially-reasonable physical, technical, and administrative measures to secure your personal information from accidental loss and from unauthorized access, use, and disclosure. For example, we (i) restrict access to personal information to employees, contractors, and other service providers, (ii) limit the storage of personal information to partners’ name and email address only, (iii) train our personnel on privacy issues as needed, and (iv) require our employees to sign confidentiality agreements that extend to your personal information. However, the transmission of information via the Internet is not completely secure. As we cannot guarantee the security of information transmitted to or from us, we are not responsible for any unauthorized access to and disclosure of any information you send to or receive from us. Any transmission of personal information is at your own risk.
Please also keep in mind that the safety and security of your information also depends on you. You are responsible for keeping your account information, including your password, confidential. We ask you not to share your password with anyone. If you have reason to believe that your data is no longer secure, please contact us immediately at the email address, mailing address or telephone number listed at the end of this Policy.
If you would like to deactivate your Account, please email the address provided at the end of this Policy. After we receive a request from you to deactivate your Account, we will cancel Envelope transactions you may have scheduled that have not been initiated.
However, even after you request deactivation of your account, we can retain copies of information about you, including your name and email address, and any transactions or services in which you may have participated for a period of time that is consistent with applicable law, applicable statute of limitations or as we believe is reasonably necessary to comply with applicable law, regulation, legal process, or governmental request, to detect or prevent fraud, to collect fees owed, to resolve disputes, to address problems with our services and products, to assist with investigations, to enforce any of our terms and conditions or other applicable agreements or policies, or to take any other actions consistent with applicable law. In addition, you acknowledge that your Account will not be deleted, and you may request reactivation by emailing the address provided at the end of this Policy.
5. AUTOMATED DATA COLLECTION TECHNOLOGIES
As you navigate through and interact with the Service, we may use automatic data collection technologies to collect certain information about your equipment, browsing actions, and patterns, as further described in this Policy.
5.1 Cookies and Analytics
We may use cookies and other technologies to automatically collect information about your use of the Service. You can learn more about these technologies below. We may use this information to provide you with a better experience, to comply with our legal obligations under anti-money laundering and related laws, to protect you and detect irregular or suspicious account activities, to customize our services and content for you, and to better understand how our partners interact with the Service.
Cookies. A cookie is a small file placed on your computer when you visit certain websites. Cookies may be either first-party or third-party cookies, and they may be either permanent or temporary (i.e. session) cookies. It may be possible to refuse to accept cookies by activating the appropriate setting within your browser. However, if you disable or refuse cookies, please note that some parts of the Service may be inaccessible or may not function properly.
Other Technologies. We may use other third party services, such as Google Analytics, Apple Inc.’s App Store, Facebook Pixel, Flurry, and LiveChat that automatically collect information about you to better understand how you use and interact with the Service. For example, we may use third-party vendors to provide us with services surrounding analytics, advertising, and cybersecurity. The information collected through this process by the third party service providers does not enable us or them to identify your name, contact details or other personal information that directly identifies you unless you choose to provide these. We use this information to better understand how partners interact with the Service and to improve your experience while using the Service.
5.2 “Do Not Track” Signals
Some Internet browsers allow you to transmit “Do Not Track” or “DNT” signals. We respect DNT signals, and will not enable unnecessary third-party analytics tools to collect data about your usage if you choose to transmit DNT signals.
6. THIRD-PARTY SERVICES
Any third-party services integrated with the Service shall be subject to the policies and practices of such third parties, and we are not responsible for how they collect, use, and share your personal information. We encourage you to review the privacy practices and policies of such third parties. We make no guarantees about, and assume no responsibility for the information, services, or data/privacy practices of third parties.
Mooch’s Third Party Partners include: financial services software company Sila Inc. (“Sila”); banking services provider Evolve Bank & Trust (“Evolve”), member FDIC; and Plaid Inc. (“Plaid”) to offer you electronic fund transfers (“EFTs”).
When you create a Mooch account, link a bank account, designate Envelopes, or initiate an EFT, you are authorizing us to share your identity and banking information with Sila and Evolve to support your account. You are also agreeing to the terms of Sila’s privacy policy (https://silamoney.com/privacy-policy/), Evolve’s privacy policy (https://www.getevolved.com/privacy-policy/), Evolve’s communications consent and disclosure (https://silamoney.com/evolve-electronic-communications-consent-and-disclosure/), and Plaid’s privacy policy (https://plaid.com/legal/) (collectively, the “Partner Terms”).
It is your responsibility to make sure the data you provide us is accurate and complete, which is necessary for our partners to process EFTs and fulfill Envelope settlements on your behalf. The Partner Terms may be modified from time to time, and the governing versions are incorporated by reference into this Privacy Policy. Any term not defined in this section but defined in the Partner Terms assumes the meaning as defined in the Partner Terms.
IT IS YOUR RESPONSIBILITY TO READ AND UNDERSTAND THE PARTNER TERMS BECAUSE THEY CONTAIN TERMS AND CONDITIONS CONCERNING YOUR MOOCH ACCOUNT, INCLUDING BUT NOT LIMITED TO USE OF YOUR PERSONAL INFORMATION.
7. RESTRICTIONS ON USE
7.1 Use Outside of the United States
Currently, the Service is not intended to be used by those located outside of the United States. If you access and use the Service from outside of the United States, you understand that we may store, transfer, and otherwise process your personal information in a country outside of the country of your residence, including the United States, and access the Service at your own risk.
7.2 Personal Information of Minors
Our services and products are not intended for individuals under the age of eighteen (18). We do not knowingly collect and use Personal Information related to minors.
8. CONTACT US
To ask questions or comment about this Policy and our privacy practices, contact us at hello@amoochlife.com or 432 Fremont Ave, Pacifica, CA 94044.
