Effective Date: March 4, 2025 (View Previous Version)
This Privacy Policy applies to all users of our websites, mobile applications, and digital platforms (collectively, “Services”):
BY USING ANY OF OUR SERVICES, YOU ACKNOWLEDGE OUR PRIVACY PRACTICES DESCRIBED IN THIS PRIVACY POLICY. YOUR USE OF OUR SERVICES IS CONSENT FOR THE PROCESSING ACTIVITIES DESCRIBED BELOW.
A. Provided Information – The specific information we collect depends on what you provide, but could include:
Identifiers: Name, email, username, account number, postal address, phone number, IP/device identifiers (e.g., MAC address), profile picture, and free-text content (e.g., transaction description)
Financial Data: Income, bank account and routing number, transaction history, budget, and app subscription details
B. Automated Collection – The information we automatically collect from your interactions with us or our Services:
C. Third-Party Sources – The information we collect from other sources with your permission:
A. Analytics – We collect analytics to manage, protect, and improve our Services. This includes understanding user interaction patterns, session lengths, aggregated, non-specific use data, and crash reports. We may combine usage data in an anonymized, aggregated form for analytical research, performance tracking, and benchmarking. Depending on your jurisdiction, we rely on legitimate interest for some analytics, and consent for others, particularly bug reports.
Data Collected:
B. Communications - We use provided personal information to send Services updates, service information, and marketing/educational emails. All email communications include an unsubscribe link. We will also honor opt-out requests for push notifications via device settings.
Types of Communications:
Educational emails upon account creation.
Updates and service information.
Marketing and educational content.
C. Services - Your use of our Services is explicit acknowledgement and consent for us to collect and process your personal information to provide our Services. Our service providers access, collect, use, process, adapt, store, transfer and delete your information (including without limitation your financial institution account data) in accordance with their own privacy policies. Please note that our online banking providers have their own privacy policies that describe their data processing and sharing relationships necessary to provide their services.
D. We never sell your personal information.
A. Sub-Processors
B. Analytics
C. Banking Information Services
D. Support
E. Affiliates - We have established relationships with other companies (“Affiliates”) for them to offer their products or other information through links presented in our Services. If you click on one of those links, we may share some of your information with that Affiliate (as described in their Privacy Policy). The privacy practices of the company that provided the link will then apply since we do not control how they process or protect your data.
We may transfer information your personal information across borders and from your country or jurisdiction to other countries or jurisdictions around the world. Please note that your data may be transferred to countries other than where you physically reside, or your banking relationships exist. Use of our Services is your consent to this cross-border transfer. The data protection laws of your residency or physical location may differ from the laws of the country of transfer. Jurisdictions may not provide data protection laws that are equivalent to those of your home jurisdiction.
We retain your personal information for as long as necessary to fulfill one of our legitimate business purposes or comply with a legal request, and within the restrictions placed on us by law. We may also choose to anonymize certain information you have provided to us, so that it can no longer be attributed to you, if we retain it for longer periods of time.
Data maintained and updated in the app, included any backups, is controlled by you. Our activities to delete your data from our Services does not extend to data locally stored on your device or in your user-controlled backups.
We use commercially reasonable efforts to protect the confidentiality of your personal information and ensure the security of our systems.
Our Services are not intended for users under 16, and we do not knowingly collect any personal information from children under 16. If we become aware that a person submitting information is under 16, we will attempt to delete the information as soon as possible.
The Privacy Officer at iBear is responsible for all data protection and privacy matters. You can contact our Privacy Officer at:
iBear, LLC
ATTN: Privacy Officer
PO Box 507, Crystal Bay, NV 89402
United States of America
To process any requests, we will need to have information from you that is sufficient for us to identify you. We may need to contact you for more information or perform this validation.
For all other questions contact us at support@ibearsoft.com.
iBear reserves the right to modify this Privacy Policy at any time without notice, and at our sole and final discretion. The Policy posted at any time is the Policy then in effect. The current version will always be located at http://ibearsoft.com/privacy with its effective date posted at the top. We strongly suggest that you review frequently for any updates. Your access or use of our Services after any changes become effective is your acknowledgement and acceptance of the policy in effect at that time.