iBear Privacy Policy

Last Updated: 23 November 2021 (View Previous Version)

We at iBear, LLC (“iBear” or “we”) have developed our products and services with your privacy in mind since our company began.

This privacy policy explains how we collect, use and share data through our products and services (including our websites and mobile applications) and we refer to these together as the “Apps”.

iBear is a data controller of your personal data, and we are committed to protecting it. We provide you with this Privacy Policy to communicate how we collect and use your personal data, and share the steps we take to ensure its security. This policy describes the types of information we collect when you use the Apps, how we use and protect that information, how long we retain it, and with whom we share it. It also explains your privacy rights and options to access, modify, or delete your personal data that you have previously shared. Please be aware these rights may vary based on your citizenship, residence, or other individual factors. By using the Apps, you consent to our collection, use, and sharing of your information as described in this Privacy Policy.

1. Your personal data.

When you use our Apps, you give us data directly through your interaction with the Apps and from third parties.

Personal information we collect may include:

  • First and last name

  • Numerical identifier that we use for you at iBear

  • Username and password

  • E-Mail Address (for setting up an account)

  • Device name and ID

  • Device IP and MAC address

  • Account and transaction information

  • Profile picture

  • Any personal data that you decide to include in the free text forms that are available in the Apps (e.g., photos, attachments, etc.).

  • Other information that you may provide.

If you contact our customer support, then we may also receive information from you as part of that interaction. Usually, this is your email address, name, and unique identifying information about your device.

As we further describe below, we may also get information from your device and how you use our websites and our Apps. We collect this information through “cookies”, small files placed on your device that provide us technical data about your use of the Apps that we use to optimize the Apps and provide you with excellent service. These cookies will collect information such as operating system, device type, and app navigation.

General Information consists of information that is anonymous in nature and does not identify you as an individual. When you utilize one of the Apps, our server automatically records certain information, which is sent by your computer or mobile device and stored in log files. This includes your device IP address, unique device identifier, browser type, ISP or carrier name, and similar data. We use this information for statistical and other internal business purposes to optimize the Apps.

We do not request your location data, but your IP address may share your country or more specific location information.

2. Ways that we process your data.

To manage and develop our Apps, we need information from you, which includes personal data. The purpose of processing this personal data includes:

  • Enabling our support team to contact you regarding support requests

  • Protect our Apps and our users

  • Improve our user’s experience within our Apps

  • Create accounts and manage information within the Apps to make the Apps useful to you.

Analytics. Analytics are important to help us manage, protect and provide the Apps by obtaining information about how our users interact with them. For example, we will receive the length of time spent in a session within the Apps, aggregate, non-specific geographic data, and crash data. Some Apps have the ability to send bug reports to iBear, which include the user’s email address and an optional description of the problem, along with some auto-generated technical information. These reports are strictly voluntary and are only sent when the user after reviewing them expressly grants permission.

iBear may combine your usage information with that of others in a way that does not identify you. We use this anonymized and aggregate data for conducting analytical research, performance tracking, and benchmarking.

Communications. We use the personal data you have previously provided when we communicate Apps updates, service information, or educational and/or marketing emails about how to interact with the Apps. Shortly after you create your account, we will send you educational emails to explain the Apps in more detail and highlight key features that are offered. All of our email communications will include a link to unsubscribe if you no longer wish to receive that type of communication. Please be aware there is a short delay between when you unsubscribe and when all our systems are updated to reflect that request. We try to minimize the possibility of this occurrence and apologize if this happens to you.

We may also communicate with you via push notifications to your mobile device. You may opt-out of receiving these by adjusting your mobile device’s notifications settings.

iCloud. Some Apps may offer you the opportunity to store your data in your iCloud. Your iCloud account is with Apple, not with iBear. When you turn on iCloud Sync on your device, the App will copy your app device data to your private iCloud account. The App will keep the data on your device and the iCloud container in sync. iCloud Sync also allows you to have the app data in sync between several devices that use the same iCloud account. Information stored in iCloud is treated in accordance with Apple’s privacy policies. iBear is not responsible for and cannot control how third parties, including Apple, handle or protect your data.

Money Pro Sync. Money Pro Sync enables users to share data across platforms and devices, and among other users. This is accomplished through our cloud infrastructure hosted in AWS. You can create a Money Pro account by providing a display name, email, a profile photo, and other information (as described above). iBear stores this information in the U.S. to allow you to access it from any of your devices. Your display name and profile photo can appear alongside any data you share with other users.

Multi-Factor Authentication (MFA) is an optional feature that adds an extra layer of protection on top of your password. MFA is optional, but highly recommended All information stored in your Money Pro account is encrypted at-rest within the Apps and is transmitted over an encrypted connection.

Online Banking. Some of our Apps, such as Money Pro, offer enhanced online banking services via subscription. Online Banking downloads your financial data from your financial institutions to the Apps. Online Banking allows you to choose what information to share.

Apps will automatically register you with iBear’s service provider that is compatible with your financial institution, and will share your financial institution username and password, which will be transmitted over an encrypted connection. Once your identity has been verified by your bank, the App downloads your account data over an encrypted connection.

If you subscribe to our online banking service, we will share your information with one of the following service providers through which your information will be transmitted to and from your financial institution:

Your use of Online Banking is explicit acknowledgement and consent for our service provider, in connection with the provision of its services, to 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.

3. Legal Bases for processing your personal data.

We use your data to provide, develop and maintain the Apps. We also use your data to operate our business and secure our rights (including defending our rights). We use your data to provide our services via the Apps, but we also use your data to prevent and detect fraud, enable you to better develop your relationships with other providers (e.g., your bank), resolve disputes, investigate security incidents, and comply with legal obligations.

4. Sharing your Personal Data.

We do not share your personal data with any third-party for commercial or marketing use without your consent. We do share your personal data with the service providers below, depending upon the specific App you are using, as part of a specific program or feature of the Apps for which you will have the ability to opt-in or opt-out, or as otherwise described in this Privacy Policy.

AWS Pinpoint: We use Pinpoint for app analytics and marketing, including details about how the Apps are used.

Amazon Web Services: Our Apps are hosted on the Amazon Web Services platform in the United States. Information stored in the Amazon Cloud is treated in accordance with the AWS Privacy Policy.

Apple: Our Apps may offer you the opportunity to store your data in your iCloud hosted by Apple. Unless you affirmatively opt-out from Apple’s standard “Diagnostics & Usage” policy, your device will automatically send crash data whenever an App crashes on iOS, and we will also have access to your crash reports. Click Here to review Apple's privacy policy.

Apple Sync: Our Apps may be synced between user devices using Apple’s iCloud.

Dropbox: Our Apps may offer you the opportunity to store your data in your Dropbox account. Click Here to review the Dropbox’s privacy policy.

Flurry Analytics: We use Flurry Analytics to analyze how users utilize the Apps, and use this information to monitor, maintain, optimize, audit, analyze, and improve our Apps, and develop new products. Click Here to opt out of being tracked by Flurry.

Google Analytics: We use Google Analytics to measure our website performance, user interactions, device and user demographics, and other technical details about the Apps.

Google Firebase: Our Apps use Google Firebase to provide notifications to Money Pro users.

Plaid: Our Apps use Plaid for online banking services. Your use of Online Banking via Plaid is explicit acknowledgement and consent for Plaid to 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 policy.

Salt Edge: Our Apps use Salt Edge for online banking services. Your use of Online Banking via Salt Edge is explicit acknowledgement and consent for Salt Edge to 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 policy.

Zendesk: We use Zendesk to interact with our users via live chat, and to process customer service requests, and certain elements of your personal information (such as your name and email address), may be disclosed to Zendesk when you submit a customer service request. Click here to review the ZenDesk privacy policy.

Please note that the above hyperlinks to the third-party privacy policies are links to third-party websites. We make no representations or warranties as to the accuracy or safety of these websites. Further, these third parties may change their privacy practices or the location of their privacy policies. Please contact the company directly for assistance in obtaining their current privacy policy.

Other Contractors: In addition to those providers listed above, we also contract with other third-party companies to provide additional services , including:

  • User Support: User support communications, including any information provided by the user.

  • Server Administration: Server maintenance and management, including troubleshooting and log review where necessary.

Affiliates: We have established relationships with other companies (“Affiliates”) for them to offer their products or other information through links presented in some of the Apps, and we may share some of your information with that Affiliate if you elect to click on one of those links. Note that if a link takes you away from the App you are using, you will be subject to the privacy practices of the company that provided the link, as we do not control how they process or protect your data.

5. How We Protect Information.

We share your data if necessary for safety, security or legal compliance, and we also understand the importance of keeping your information safe and secure. We make reasonable efforts to protect your personal data and ensure the security of our systems. We employ certain methods for protecting your data, including encryption of the data stored in our Amazon cloud services.

6. Your Data Rights – European Users.

You have certain rights with respect to your personal information. These rights include the:

  • Right to access your personal data

  • Right to correct or update your personal data

  • Right to restrict processing of your personal data

  • Right to portability

  • Right to withdraw consent if you have previously given it

  • Right to file a complaint with a data protection authority.

If you want to submit a request regarding your rights, please contact customer support. Please note that we may need to ask you for more information to validate your identity and process a communication request from you (e.g., service request).

7. How Long We Keep Information.

We retain your personal data 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.

8. International Transfer.

We may transfer information that we collect about you to affiliated entities, or to other third parties across borders and from your country or jurisdiction to other countries or jurisdictions around the world. If you are located in the European Union or other regions with laws governing data collection and use that may differ from U.S. law, please note that you are transferring information, including personal data, to a country and jurisdiction that does not have the same data protection laws as your jurisdiction, and you consent to the transfer of information to the U.S. and the use and disclosure of information about you, including personal data, as described in this Privacy Policy.

9. Children under 16.

Our Apps are not intended for users under the age of 16, and we do not knowingly collect any personal data 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.

10. Questions.

The Privacy Officer at iBear is responsible for all data protection and privacy matters. You can contact our Privacy Officer at:

privacy@ibearsoft.com

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.

11. Changes to this Privacy Policy.

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 the Apps or our services after any changes or amendments become effective is your acknowledgement and acceptance of the new Policy.

12. Questions.

If you have any additional questions or concerns about this Privacy Policy, please contact us.

For all other questions contact us: support.ibearsoft.com, or write to us at:

iBear, LLC
PO Box 507, Crystal Bay, NV 89402
United States of America