Privacy Policy

Your privacy matters to us at Thinkaris Glow

Last Updated: December 2024 | Effective Date: December 2024

1 Information We Collect

At Thinkaris Glow, we collect information that helps us provide you with personalized budget control services and improve your financial management experience. The data we gather falls into several categories, each serving specific purposes in delivering our platform's functionality.

            Personal Information: When you create an account
            with us, we collect basic identifying information including your
            name, email address, phone number, and billing address. This
            information is essential for account creation, communication, and
            service delivery.
          

Account Information Financial Data Usage Analytics Device Information Communication Records

Financial Information: To provide budget control services, we collect financial data including bank account connections (through secure third-party services), transaction histories, spending categories, and budget preferences. We never store your actual banking credentials – all financial connections are processed through encrypted, industry-standard banking APIs.

Usage Data: We automatically collect information about how you interact with our platform, including pages visited, features used, time spent on different sections, and user preferences. This data helps us understand user behavior and improve our services continuously.

IP addresses and device identifiers for security and analytics
Browser type, operating system, and device specifications
Cookies and similar tracking technologies for personalization
Location data (general geographic area, not precise location)
Communication preferences and notification settings

2 How We Use Your Information

Your information serves multiple purposes within our platform ecosystem. First and foremost, we use your data to provide the core budget control services you've signed up for. This includes analyzing your spending patterns, categorizing transactions, providing insights, and sending personalized recommendations.

Service Delivery

Processing transactions, generating reports, providing budget analysis, and delivering personalized financial insights.

Account Management

Creating and maintaining your account, processing payments, providing customer support, and managing your preferences.

Communication

Sending service updates, security alerts, promotional materials (with consent), and responding to your inquiries.

Security & Fraud Prevention

Monitoring for suspicious activity, preventing unauthorized access, and protecting against fraud and security threats.

We also use aggregated, anonymized data for research and development purposes. This helps us understand broader financial trends and improve our algorithms without compromising individual privacy. For instance, we might analyze spending patterns across different age groups or geographic regions to enhance our budgeting recommendations.

              Marketing Communications: With your explicit
              consent, we may use your contact information to send promotional
              materials, feature updates, and educational content about
              financial management. You can opt out of these communications at
              any time through your account settings or by clicking unsubscribe
              in any email.
            

3 Information Sharing & Disclosure

We understand that your financial information is extremely sensitive, and we maintain strict policies regarding when and how we share your data. Generally speaking, we do not sell, rent, or trade your personal information to third parties for their marketing purposes.

Service Providers: We work with trusted third-party service providers who help us deliver our services. These include cloud hosting providers, payment processors, customer support platforms, and analytics tools. All service providers are contractually bound to protect your information and can only use it for the specific services they provide to us.

Financial data aggregation services for secure bank connections
Cloud storage providers for data hosting and backup
Payment processors for subscription and billing management
Customer support tools for handling inquiries and issues
Analytics platforms for usage analysis and service improvement

Legal Requirements: We may disclose your information when required by law, such as in response to court orders, subpoenas, or other legal processes. We may also share information when we believe it's necessary to protect our rights, your safety, or the safety of others, or to prevent fraud or other illegal activities.

              Business Transfers: In the event of a merger,
              acquisition, or sale of assets, your information may be
              transferred to the new organization. We will notify you of any
              such change and provide options for managing your data under the
              new ownership.
            

4 Your Privacy Rights

You have significant control over your personal information and how it's used within our platform. We've designed our systems to make it easy for you to exercise these rights and maintain control over your data.

Access Rights

You can request a copy of all personal information we have about you, including how it's being used and who it's shared with.

Correction Rights

You can update or correct any inaccurate personal information through your account settings or by contacting our support team.

Deletion Rights

You can request deletion of your personal information, subject to certain legal and business requirements for record-keeping.

Portability Rights

You can request your data in a portable format to transfer to another service provider if you choose to switch platforms.

Marketing Preferences: You have complete control over marketing communications. You can opt in or out of different types of messages, adjust frequency preferences, and choose which channels we use to contact you. These preferences can be managed through your account dashboard or by following unsubscribe instructions in our communications.

Cookie Management: You can control how we use cookies and similar technologies through your browser settings. However, please note that disabling certain cookies may limit the functionality of our platform, particularly features that remember your preferences or keep you logged in.

              To exercise any of these rights, simply contact us using the
              information provided at the bottom of this policy. We typically
              respond to requests within 30 days and will verify your identity
              before processing any requests involving sensitive information.
            

5 Data Security & Protection

Protecting your financial information is our highest priority. We implement multiple layers of security measures to safeguard your data against unauthorized access, alteration, disclosure, or destruction. Our security framework follows industry best practices and is regularly audited by independent security firms.

Encryption: All data transmission between your device and our servers is protected using industry-standard SSL/TLS encryption. Your sensitive information is also encrypted when stored in our databases, using advanced encryption algorithms that make the data unreadable without proper authorization.

256-bit SSL encryption for all data transmission
AES-256 encryption for data storage and databases
Multi-factor authentication for account access
Regular security audits and penetration testing
Employee background checks and security training
Network monitoring and intrusion detection systems

Access Controls: We maintain strict access controls within our organization. Only authorized personnel who need access to perform their job functions can view your information. All access is logged and monitored, and employees receive regular training on data protection and privacy requirements.

              Incident Response: In the unlikely event of a
              data breach, we have a comprehensive incident response plan that
              includes immediate containment, investigation, and notification
              procedures. We will notify affected users and relevant
              authorities as required by law, typically within 72 hours of
              discovering a breach.
            

6 Data Retention & Deletion

We retain your personal information only as long as necessary to provide our services and fulfill the purposes outlined in this privacy policy. Different types of data have different retention periods based on their purpose and legal requirements.

Account Information: We retain your account information and profile data for as long as your account remains active. After account closure, we may retain certain information for up to 7 years to comply with financial record-keeping requirements and to resolve any potential disputes or claims.

Financial Data: Transaction data and financial information are typically retained for 7 years after your last transaction or account closure, in accordance with financial industry regulations. However, you can request earlier deletion of this data if there are no legal obligations requiring its retention.

Active Account Data

Retained while your account is active and up to 30 days after deactivation for account recovery purposes.

Transaction Records

Retained for 7 years after the transaction date to comply with financial regulations and tax requirements.

Communication Logs

Customer service interactions retained for 3 years for quality assurance and dispute resolution.

Marketing Data

Retained until you opt out of communications or close your account, whichever comes first.

              Automated Deletion: We have automated systems in
              place to delete data that has reached its retention limit. You
              can also request immediate deletion of your account and
              associated data, though some information may be retained for
              legal compliance purposes.
            

7 International Data Transfers

As a US-based company, Thinkaris Glow primarily processes and stores data within the United States. However, some of our service providers and partners may be located in other countries, which means your information might be transferred to and processed in jurisdictions outside the US.

When we transfer your information internationally, we ensure that appropriate safeguards are in place to protect your data. This includes using Standard Contractual Clauses approved by relevant authorities, working only with partners who maintain adequate data protection standards, and conducting regular assessments of international data processing activities.

              EU/UK Users: If you're located in the European
              Union or United Kingdom, your data may be transferred to the US
              for processing. We ensure these transfers comply with GDPR
              requirements through appropriate transfer mechanisms and
              safeguards.
            

8 Children's Privacy

Thinkaris Glow is not intended for use by individuals under the age of 18. We do not knowingly collect personal information from children under 18 years of age. If we become aware that we have inadvertently collected information from a child under 18, we will take immediate steps to delete that information from our systems.

Parents or guardians who believe their child may have provided personal information to us should contact us immediately using the contact information provided below. We will work quickly to investigate and remove any such information from our systems.

9 Policy Updates & Changes

We may update this privacy policy from time to time to reflect changes in our practices, technology, legal requirements, or other factors. When we make significant changes, we will notify you through email, in-app notifications, or by posting a prominent notice on our website.

Minor changes or clarifications may be made without prior notice, but we will always update the "Last Updated" date at the top of this policy. We encourage you to review this privacy policy periodically to stay informed about how we collect, use, and protect your information.

              Your Continued Use: By continuing to use our
              services after any changes to this privacy policy, you
              acknowledge that you have read and agree to the updated terms. If
              you disagree with any changes, you may close your account and
              discontinue using our services.
            

Questions About This Privacy Policy?

Thinkaris Glow

10310 Key W, Portage, MI 49024, United States

Phone: +1 (775) 336-8741

Email: contact@jdfinda.com

We're committed to protecting your privacy and will respond to all inquiries within 2 business days.