Last Updated: 24 June 2019 (View Previous Version)
We at iBear, LLC (“iBear” or “we”) have developed our products and services based on privacy by design 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 the controller of your personal data, and iBear is committed to personal data protection. We provide you with this Privacy Policy to make our users aware of the steps we take to ensure the security of their data when utilizing the Apps. 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 what your rights and options are as they pertain to privacy. By using the Apps, you consent to our collection and use of your information as described in this Privacy Policy.
When you use our Apps, you may, in the process, give us date directly, from third parties, or through the Apps themselves (including through your interaction with the Apps).
These data are, for example:
If you contact our customer support, then we may also receive information from you as part of that contact. Oftentimes this is your email address, name, and 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, including the use of cookies. Cookies provide us technical data that we use to optimize the Apps and provide you with excellent service. These cookies will collect information such as operating system and type of mobile device you are using.
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 computer IP address, unique mobile device identifier, browser type, ISP or carrier name, and similar data. We use this information for statistical and other internal business purposes.
We do not collect location data. We will contact you and, as required by law, obtain your consent before we collect location data.
To manage and develop our Apps, we need information from you, which includes personal information. The purpose of processing this personal data includes:
Analytics. Analytics are important to help us manage, protect and provide the Apps by obtaining information about how our users interact with our application. 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. If you choose to send us this data, then iBear will use this information to ensure that the Apps continue to appeal to our users, as well as for auditing, research, and analysis in order to maintain, protect and improve the app; ensuring the technical functioning of the app, as well as developing new apps.
iBear may combine your usage information with that of others in a way that does not identify you or any individual person and to use such anonymized and aggregate data for conducting analytical research, performance tracking and benchmarking.
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 the Apple Privacy Policy (please visit http://www.apple.com/legal/privacy/ for more details).
Family Cloud Sync. Family Cloud Sync feature allows to share data among other users. The profile data shared with Family Cloud Sync is encrypted and stored in the public iCloud database of Money Pro® app. iBear does not have encryption keys for that data and does not process it. Certain data may be stored unencrypted for the purpose of sending push notifications. Such data is anonymized and includes date, time, amount and type of the transaction along with a unique anonymized user identifier.
You can share access to your profile data with other users by sharing invitation codes. The invitation codes open access to your data to the users who receive your codes. Please use secure means for sharing your invitation codes. Additionally, you can accept invitations to other users’ profiles. The data you add to the shared profile is accessible to every user to whom the profile’s owner shares it with, so please use responsibly.
Money Pro Sync. Money Pro Sync enables users to share data between devices on and across multiple platforms, and among other users. 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 with your account so that you can 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.
When you turn on Money Pro Sync on your device, Money Pro will copy your local app data to your Money Pro account. Money Pro will keep the data on your device and Money Pro account in sync. It will allow to have the app data in sync between several devices that use the same Money Pro account. Information stored in Money Pro account is encrypted at rest and is transmitted over an encrypted SSL connection.
You can share access to your profile data with other users by sharing invitation codes. The invitation codes open access to your data to the users who receive your codes. Please use secure means for sharing your invitation codes. Additionally, you can accept invitations to other users’ profiles. The data you add to the shared profile is accessible to every user to whom the profile’s owner shares it with.
Online Banking. Certain Apps, such as Money Pro, offer enhanced online banking services via subscription. Online Banking allows to download financial account data from financial institutions. Online Banking is designed to protect your information and enable you to choose what 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 SSL connection. Once your identity has been verified by your bank, the App downloads your account data over the same encrypted connection. Your username and password do not pass through iBear servers at any point in time.
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: Salt Edge* (www.saltedge.com) or others. You hereby acknowledges and explicitly consent to the fact that Salt Edge, in connection with the provision of its services, shall access, collect, use, process, adapt, store, transfer and delete your information (including without limitation your financial institution account data) in accordance with Salt Edge’s Privacy Policy.
* Salt Edge is a trademark of Salt Edge Inc. and is shown under license.
You can use Online Banking on several devices at the same time. For it to function properly, Money Pro uses iCloud Keychain to sync your credentials between your devices.
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 have several legal grounds for the use of your data, including performance of contracts, legitimate interests, legal obligations and consent from you.
We want to provide you with the best of our Apps! So we use your data to provide these services. But we also user your data to protect security, detect and prevent fraud, enable you to better develop your relationships with other providers (e.g., your bank), and comply with legal obligations or resolve disputes.
If you are from the European Union (which includes Switzerland, the EEA and the EU), then our lawful processing of your personal data is based on the above. Please note that we may need to ask you for more information to process a communication request from you (e.g., service request).
We do not share your personal data with other, third-party companies for their commercial or marketing use without your consent or except as part of a specific program or feature for which you will have the ability to opt-in or opt-out or as otherwise described in this Privacy Policy.
We do share certain elements of your information (including personal data) with, for example, the following service providers, depending upon the specific App you are using:
Amazon Web Services: We host our Apps on the Amazon Web Services platform. Information stored in the Amazon Cloud is treated in accordance with the AWS Privacy Policy.
Flurry Analytics: We use the Flurry Analytics tool in order to develop and analyze how users utilize the Apps, and use this information to help ensure that the Apps continue to appeal to our users, and for a number of other purposes, including auditing, research, and analysis in order to maintain, protect and improve our Apps; ensuring the technical functioning of our Apps, and developing new products. Click Here to opt out of being tracked by Flurry.
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.
Apple: Our Apps may offer you the opportunity to store your data in your iCloud. Further, unless you do 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 the Apple’s privacy policy.
Dropbox: The Apps may offer you the opportunity to store your data in your Dropbox account. Click Here to review the Dropbox’s privacy policy.
Online Banking: 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: Salt Edge (www.saltedge.com) or others. You hereby acknowledges and explicitly consent to the fact that Salt Edge, in connection with the provision of its services, shall access, collect, use, process, adapt, store, transfer and delete your information (including without limitation your financial institution account data) in accordance with Salt Edge’s 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 the location of their privacy policies. If the link above does not take you to the company’s privacy policy, please contact that company directly for assistance in obtaining the current privacy policy.
Other Contractors: In addition to those providers listed above, we also contract with other third party companies to provide additional services, such as user support and server administration.
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 should a link take you away from the App you are using, you will be subject to the privacy practices of the company that provided the link.
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 information and ensure the security of our systems. We employ certain methods for protecting your data including encryption of the data stored in the Amazon cloud service platform and in the public iCloud database.
If you are a user located in Switzerland, the EU or the EEA, you have certain rights with respect to your personal information.
If you want to submit a request regarding your rights, please contact customer support.
We retain personal for as long as necessary to fulfill a business purpose or comply with a legal request and within restrictions placed on us by law. We may also choose to anonymize certain of the information you provide to us so that it can no longer be attributed to you if we would like to retain it for longer periods of time.
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 information, 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 information, as described in this Privacy Policy.
Our Apps are not intended for users under the age of 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 Data Protection Officer at iBear is responsible for all data protection and privacy matters. You can contact our Data Protection Officer at:
dpo@ibearsoft.com
iBear LLC
ATTN: Data Protection 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.
We let you know about any material changes to our Privacy Policy. If we decide to make material changes to our Privacy Policy, we will tell you on our website.
Please also periodically check back for updates!
You can see the last updated date for this Privacy Policy at the top of the policy.
If you have any additional questions or concerns about this Privacy Policy, please contact us.
iBear LLC
PO Box 507, Crystal Bay, NV 89402
United States of America