Last Updated: 12 November 2019 (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 your personal data. We provide you with this Privacy Policy to share the steps we take to ensure the security of your 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 privacy rights and options, but 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.
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:
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. 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. We will contact you and, as required by law, obtain your consent before we collect specific 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 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.
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. iBear is not responsible for and cannot control how third parties handle or protect your data Information stored in iCloud is treated in accordance with Apple’s privacy policies.
Family Cloud Sync. Family Cloud Sync feature allows to share data among other users. Our Money Pro® app allows you to create different profiles. 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. 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.
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, including but not limited to, transaction date and amount, may be stored unencrypted for the purpose of sending the push notifications you enable.
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: Salt Edge* (www.saltedge.com) or others.
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.
* Salt Edge is a trademark of Salt Edge Inc. and is shown under license.
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.
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.
Amazon Web Services: We host our Apps 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.
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.
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 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.
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 our service providers.Your use of Online Banking is explicit acknowledgement and consent for our service provider 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 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:
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.
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 ourAmazon cloud service platform.
You have certain rights with respect to your personal information. These rights include the:
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 process a communication request from you (e.g., service request).
We retain personal for as long as necessary to fulfill a business purpose 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.
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 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.
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.
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