Privacy Policy

1. Introduction

RefundIQ ("Company", "we", "our", "us") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website [RefundIQ.app] and use our services (collectively, "Services"). By accessing or using our Services, you agree to the terms of this Privacy Policy.

2. Information We Collect

We may collect information about you in various ways, including:

Personal Data: Identifiable information such as your name, email address, mailing address, phone number, and demographic details that you voluntarily provide when registering or using our Services.

Financial Data: With your explicit consent, we collect financial information through third-party services like Plaid to facilitate certain features of our Services.

Transaction Data: Details about payments and transactions processed via Stripe, including payment methods and transaction history.

Derivative Data: Information our servers automatically collect, such as your IP address, browser type, operating system, access times, and pages viewed before and after accessing the Site.

3. Use of Your Information

We use the information we collect to:

Create and manage your account.

Process your transactions and manage billing.

Communicate with you regarding your account or orders.

Enhance user-to-user communications.

Fulfill and manage purchases, orders, payments, and other transactions related to our Services.

Personalize your experience on our Site.

Improve the efficiency and operation of our Services.

Monitor and analyze usage and trends to enhance your experience.

Notify you of updates to our Services.

Offer new products, services, and/or recommendations to you.

Prevent fraudulent transactions, monitor against theft, and protect against criminal activity.

4. Disclosure of Your Information

We may share your information in certain situations, including:

By Law or to Protect Rights: If required to respond to legal processes or to protect the rights, property, and safety of others.

Third-Party Service Providers: With partners like Plaid and Stripe that perform services on our behalf, such as payment processing and data analysis.

Business Transfers: In connection with mergers, acquisitions, or asset sales, your information may be transferred.

5. Security of Your Information

We implement administrative, technical, and physical security measures to protect your personal information. However, no security system is impenetrable, and we cannot guarantee the absolute security of your data.

6. Policy for Children

We do not knowingly solicit information from or market to children under the age of 13. If we learn that we have collected personal information from a child under 13 without verification of parental consent, we will delete that information promptly.

7. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or for other operational, legal, or regulatory reasons. We will notify you of any changes by posting the new Privacy Policy on our Site. You are advised to review this Privacy Policy periodically for any updates.

8. Third-Party Services

Our Services integrate with third-party services, including but not limited to Google APIs, Plaid, and Stripe. By using these integrations, you acknowledge that the collection and use of your information by these third parties are governed by their respective privacy policies.

Google APIs: We use Google OAuth 2.0 for authentication and access to Gmail data. We adhere to Google's API Services User Data Policy, collecting only the information necessary to provide our Services and not using it for any other purposes without your consent. We do not share your personal information with third parties except as described in this Privacy Policy. We implement industry-standard security measures to protect your data and comply with all applicable privacy laws and regulations.

Plaid: Our Services may use Plaid to collect your financial information. By using our Services, you grant us and Plaid the right, power, and authority to access and transmit your personal and financial information as reasonably necessary to provide the Services. Your data will be transferred, stored, and processed by Plaid in accordance with their Privacy Policy.

Stripe: We use Stripe for payment processing. Stripe collects identifying information about the devices that connect to its services. Stripe uses this information to operate and improve the services it provides to us, including for fraud detection. You can learn more about Stripe and read its Privacy Policy at https://stripe.com/privacy.

9. Your Consent

By using our Services, you consent to this Privacy Policy. If you do not agree with the terms of this Privacy Policy, please do not access the Site or use our Services.

10. Contact Us

If you have questions or comments about this Privacy Policy, please contact us at Legal@RefundIQ.app.

Please ensure that this Privacy Policy is tailored to accurately reflect your company's practices and complies with applicable laws and regulations.