Privacy Policy

Effective Date: 09/01/2024

At SaveCircle LLC ("SaveCircle", "we", "us", or "our"), your privacy is important to us. This Privacy Policy explains how we collect, use, disclose, and protect your personal information when you use our website (www.savecircle.app) and services. By accessing our services, you agree to the practices described in this policy.

1. Information We Collect

We collect the following types of information when you interact with our platform:

Personal Information: This may include your name, email address, phone number, mailing address, employer details, and other contact information you provide when creating an account or using our services.
Financial Information: Information related to your transactions, savings contributions, and withdrawals as part of our group savings platform.
Usage Data: We automatically collect data about your interactions with our platform, such as IP addresses, browser types, device identifiers, and usage patterns through cookies or similar tracking technologies.
Third-Party Information: We may receive information from third parties, including your employer or benefit brokers, to provide services like payroll deduction or fund distribution.

2. How We Use Your Information

We use your information to:

Provide and improve our services, including facilitating group savings and fund disbursements.
Communicate with you about your account, transactions, and service updates.
Comply with legal obligations, including fraud prevention and security measures.
Analyze usage trends to improve the functionality of our website and services.

3. How We Share Your Information

We may share your personal information in the following ways:

With Employers and Benefits Brokers: To manage employee savings plans, process payroll contributions, or distribute funds.
Service Providers: We may share information with trusted service providers who perform functions on our behalf, such as payment processors, cloud storage providers, and analytics services.
Legal Compliance: We may disclose information if required by law or if we believe such action is necessary to protect the rights, property, or safety of SaveCircle, our users, or others.

4. Cookies and Tracking Technologies

We use cookies and similar technologies to collect usage data and improve user experience. Cookies help us recognize repeat visitors, store preferences, and analyze site traffic. You can control cookie settings in your browser, but disabling cookies may limit certain functionalities on the site.

5. Data Security

We take data security seriously and implement various technical and organizational measures to protect your information from unauthorized access, disclosure, or misuse. However, no system is entirely secure, and we cannot guarantee the absolute security of your data.

6. Your Data Rights

Depending on your location, you may have the following rights regarding your personal information:

Access: Request access to the personal data we hold about you.
Correction: Correct inaccurate or incomplete personal information.
Deletion: Request deletion of your personal information, subject to certain exceptions.
Opt-Out: Opt-out of receiving marketing communications or certain data collection practices.

To exercise any of these rights, please contact us at account@savecircle.app.

7. Third-Party Links

Our platform may contain links to third-party websites. We are not responsible for the privacy practices of these external sites, and we encourage you to review their privacy policies before providing any personal information.

8. Children's Privacy

SaveCircle's services are not directed to individuals under the age of 18, and we do not knowingly collect personal information from minors. If you believe we have collected such information, please contact us so we can take appropriate action.

9. Changes to this Privacy Policy

We may update this Privacy Policy periodically to reflect changes in our practices or legal requirements. Any updates will be posted on this page with an updated effective date. Your continued use of our services after such changes indicates your acceptance of the updated policy.

10. Contact Us

If you have any questions or concerns about this Privacy Policy, please contact us at: support@savecircle.app