Information that you provide to us when you apply for or obtain a product or service from us to be used primarily for personal, family or household purposes is also governed by a separate notice entitled AntiBudget GLBA Notice. If you are such an applicant or customer, please refer to that notice for additional information about our privacy practices.
When you create a Northstar Account, you will provide information such as your name, password, and email address. Pursuant to your request to use certain aspects of the Services (e.g., auto-transfer of assets), you may be required to provide us additional information, such as your address, phone number, date of birth, and/or the last four digits of your Social Security Number, as part of verification required by us and our ACH, bank, and other third-party Financial Partners (as such term is defined below).
In some cases, you may wish to contact one of our Experts through the Services. Please note that such Experts may store the information that you provide them, or share such information internally, as needed in their discretion in order to better assist you (e.g., keeping track of your financial goals and progress).
Like most websites or apps today, our web servers keep log files that record information each time a device accesses those servers. These log files contain information about the nature of such access, including the device’s IP address, user agent string (e.g., operating system and browser type/version), and referral URL (i.e., the external source by which you arrived at our Websites, or the pages you’ve clicked on while on our Websites). We may use these log files for purposes such as assisting in monitoring and troubleshooting errors and incidents, cybersecurity, analyzing web traffic, or optimizing the user experience.
We collect information using “cookie” technology. Cookies are small packets of data that a website stores on your computer’s or mobile device’s hard drive (or other storage medium) so that your computer will “remember” information about your visit. We use both 1st and 3rd-party cookies, which may be either “session” or “persistent” cookies. Below is a general primer on session and persistent cookies; information collected by cookies depends on its particular purpose. For more information, please see the information regarding analytics providers discussed further below.
If you do not want us to place a cookie on your device, you may be able to turn that feature off. For example, please consult your browser’s documentation for information on how to do this and how to delete persistent cookies. However, if you decide not to accept cookies from us, certain aspects of the Website or App may not function properly or as intended.
In an ongoing effort to better understand our users and Services, we might analyze your information to carry out, maintain, manage, and improve operations in connection with the Services. This information may be aggregated and not identify you personally. We may share or use this aggregated data (i) with our affiliates, Service Providers, and other business partners or (ii) otherwise for any purpose. We may also disclose aggregated user statistics in order to describe our Services to current and prospective business partners and to other third parties for other lawful purposes.
We employ or contract with people and other entities that perform certain tasks on our behalf and who are under our control (our “Service Providers”), such as, but not limited to, our payment processors, web developers, cloud-hosting providers, analytics providers, and email automation services. We may need to share your information with our Service Providers in order to provide, or facilitate our provision of, Services to you. These Service Providers will have access to your information only as necessary to perform their functions and to the extent permitted by law.
We may also share your information you provide to us with banks, ACH partners, financial institutions, or other third-party financial partners (collectively, “Financial Partners”), including without limitation, (a) providing, managing, and maintaining the Services, (b) regulatory or compliance purposes, and (c) our, or our Financial Partners’, risk management processes. Use and storage of such information by Financial Partners is governed by those Financial Partners’ applicable terms of service and privacy policies.
We may share your information for our everyday business purposes (e.g., processing transactions, maintain accounts and providing Services).
Without prejudice to any of the foregoing, we may also share your information with your consent or otherwise at your direction.
We may use your information for purposes such as responding to, and following up regarding, your inquiries, providing you with requested information, sending you email alerts (including marketing emails), running promotional activities, or other Communications, including when you message us by email through the Contact Us page or otherwise provide contact information (such as when signing up for an access code to the Services, or otherwise registering for an account).
You may manage your receipt of marketing communications by (i) clicking on the "Unsubscribe" link located on the bottom of an applicable marketing email and following the instructions found on any page to which the link may take you or (ii) by contacting us at firstname.lastname@example.org. In either case, please allow us a reasonable time to process your request.
You cannot opt out of receiving administrative or transactional e-mails, such as those related to your account.
We take commercially reasonable steps to protect your personal information from loss, misuse, and unauthorized access, disclosure, alteration, or destruction. Please understand, however, that no security system is impenetrable. We cannot guarantee or warrant (a) the security of our databases nor (b) that the information you supply will not be intercepted while being transmitted to and from us over the Internet. Therefore, without prejudice to our foregoing security obligations, your transmission of information (or our transmission of such information on your behalf or pursuant to our Services) is at your own risk.
Our servers are located in the US and our Services are currently intended for US audiences. If you are located outside of the US, please be aware that any information provided to us, including personal information, will be transferred from your country of origin to the US. Your decision to provide such data to us, or allow us to collect such data through our Services, constitutes your consent to this data transfer.
We do not respond to "Do Not Track" settings or other related mechanisms/browser header settings.