The website PennyWorks.com (the “Site”) is brought to you by HybridFi Inc. ("PennyWorks","‘we", "us" or "our").
If you are under the age of 18, you may not access or use our Site, App or Services (as defined below). We do not solicit or knowingly collect data from individuals under the age of 18.
Note: If you are a California resident, California law may provide you with additional rights regarding our use of your personal information. To learn more about your California privacy rights, see our California Privacy Notice.
See our Privacy Notice applicable to all consumers and customers accessing the Site and/or App.
INFORMATION WE COLLECT
A. Information You Provide To Us. When you visit our Site and/or App, we may collect your e-mail address if you provide it to us voluntarily in order to contact you about the Services. While some requested information is optional, most is required for legal and security purposes. In order to sign up as a registered user of our Services (“Registered User”) and access the User Restricted Areas (as defined in the Terms of Service), you have to create a user account and provide the following personal information to us during the registration process: your name, your e-mail address, your phone number, physical address, date of birth, U.S. domiciliary status, social security number. You may also provide to us voluntarily information about your investment profile, such as, income level, return expectations, net worth, investment experience, desired investment term, areas of investment interest, and additional information regarding your social media use, including preferred platforms and other information. If you contact us by phone, email or other means, we may keep a record of your contact information and correspondence, and may use your email address, and any information that you provide to us. Please note certain investments may be limited to accredited investors only and we may request information to verify your accreditation status. We may also request supporting documentation such as proof of identity and proof of address to verify your identity in accordance with KYC/AML laws.
B. Information Regarding Your Interaction With The Site And/Or Our App. We collect additional information about how you interact with the Site and/or our App without identifying you as an individual (“Anonymous Information”), by using cookies. For example, we receive certain standard information that your browser sends to every website you visit, such as your IP address, browser type and language, access times and referring website addresses. We may use Anonymous Information for any purpose at our discretion. For clarity, Anonymous Information means information that is not associated with, or linked to, your personal information and does not permit the identification of individual persons.
C. Details Regarding Your Transactions With Us. We collect details regarding any transactions, engagement, contact or activity you have with us or otherwise with respect to your account including, without limitation, your investments.
D. Information Regarding How You Use Your Phone. Any mobile network you use, your IP address, operating system and the settings on your phone.
E. Information You Give Us Permission To Access On Your Phone. Information that you give us explicit permission to see, like your address book, photos, geolocation and data from your camera.
F. Information From Social Networks And/Or Online Accounts. Information and data from any accounts that you share with us, including, without limitation, your access credentials for those accounts.
H. Third Party Collection Of Website And/Or Mobile App Data. We do permit third parties to collect information about Site and/or App visitors activities over time and across other websites and/or apps.
HOW INFORMATION COLLECTED IS USED AND SHARED
ACCESSING, CHANGING OR REMOVING PERSONAL INFORMATION
If you are a Registered User, we urge you to review your personal information regularly to ensure that it is correct, complete and up to date. We provide an easy way via your online account profile for you to access, correct, update or remove personal information that has previously been provided to us. You can review your personal information and make any necessary changes at any time, by logging in to your Registered User account. If you are unable to edit your personal information by logging into your Registered User account, please contact us for assistance at firstname.lastname@example.org.
We may also use your contact information to send you marketing and promotional messages. If you do not want to receive such messages, you may opt out by following the instructions in the message. Please understand that if you choose not to receive promotional correspondence from us, we may still contact you in connection with your relationship, activities, transactions and communications with us. If you need assistance opting out, please contact us at email@example.com.
SECURITY OF YOUR PERSONAL INFORMATION
The security of your data is important to us. When you enter sensitive information, such as financial information, on our forms, we encrypt the transmission of that information using secure socket layer technology (SSL). We have implemented reasonable technical and organizational measures designed to deter unauthorized access to and use, destruction, modification, disclosure and accidental loss, of personally identifiable information we collect. Regardless of the precautions taken by us or by you, no data transmitted over the Internet or any other public network can be guaranteed to be 100% secure. We cannot ensure or warrant the security of any information you transmit to us and you provide all personally identifiable information via the Site and/or App at your own risk. You are responsible for maintaining the security of your Registered User profile information, including, without limitation, your password and for any and all activities that occur under your account. Do not share this information with anyone. We will never ask you to send your password or other sensitive information to us in an email, though we may ask you to enter this type of information on the Site and/or App. If you are sharing a computer with anyone, you should always log out before leaving a site or service in order to protect access to your personally identifiable information from other users.
NOTICE TO USERS IN THE EVENT OF A SECURITY BREACH
A. Tracking Technologies. Unique identifiers such as cookies (which are small text files stored locally on your computer that help store user preferences and may be html files, Flash files, or other technology), web beacons or clear gifs (which are small pieces of code placed on websites used to collect advertising metrics, such as counting page views, promotion views, or advertising responses, tags and scripts or similar technologies (collectively referred to as “Tracking Technologies”) are used by PennyWorks and our marketing, analytics, or other service providers to understand Site and/or App usage, help customize our content, offerings or advertisements on the Site and/or App, personalize your experience on the Site and/or App (e.g., to recognize you by name when you return to the Site and/or App, save your password in password-protected areas, or save your online settings), analyze trends, allow users to move between associated websites without logging into each site, and other purposes related to our management and administration of the Site and/or the App. In many Internet browsers, you can choose to delete, disable, turn off or reject most Tracking Technologies through the “Internet Options” sub-option of the “Tools” menu option of your browser or otherwise as directed by your browser’s support feature. Additional information on deleting, disabling, rejecting or turning off Tracking Technologies may be available through your browser’s support feature. Please consult the “Help” section of your browser for more information. Please know that certain areas and features of our Site and/or App can only be accessed in conjunction with cookies or similar devices and you should be aware that disabling cookies or similar devices might prevent you from accessing some of our content.
C. How We Respond To Do-Not-Track Signals. We do not currently respond to “do not track” signals or other mechanisms that might enable users to opt out of tracking on our Site and/or App.
LINKS TO OTHER SITES
This Site and App are not intended for, or designed to attract, children under the age of 13 and as such, we do not intentionally gather information from individuals who are under the age of 13. Upon notification that a child under 13 has provided us with personally identifiable information, we will delete the child’s personally identifiable information from our records.
CA RESIDENTS PRIVACY RIGHTS SUMMARY
Under California law, we must provide California residents with a summary of their privacy rights. California law requires us to inform you, at your request, (a) the categories of personal information we collect and the third parties we share that information with; (b) the names and addresses of such third parties; and (c) examples of the products marketed by such companies. Additionally, California law requires us to allow you to control who you do not want us to share that information with. To obtain this information, please send us your request by email at firstname.lastname@example.org. When contacting us, please indicate your name, address, email address, and what personal information you do not want us to share. Your request should be labeled “California Customer Choice Notice”. Please allow 30 days for a response. There is no charge for controlling how your personal information is shared.
YOUR CALIFORNIA PRIVACY RIGHTS
If you are a California resident, California law may provide you with additional rights regarding our use of your personal information. To learn more about your California privacy rights, see the California Privacy Notice.
221 River St.
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