Privacy Policy

Last updated 1/1/2020

Watt, Inc. d/b/a AntiBudget and any of its current or future subsidiaries, affiliates, agents, and assigns (collectively, “AntiBudget,” “we,” “us,” or “our”) has created this privacy policy (“Privacy Policy”) because we know that you care about how the information you provide to us is used and shared. This Privacy Policy relates to our information collection, use, and disclosure practices in connection with Northstar and other services or products offered, including https://www.antibudget.io (the “Website”) and our mobile application (the “App”) (Northstar, collectively with the Website and App, the “Services”).

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.

By accessing or otherwise using the Services, you agree to the terms of this Privacy Policy and our Terms of Service (which are incorporated herein by reference). Terms not defined herein shall take their meaning from the Terms of Service.

The Information We Collect and How We Use It

Account Information

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).

Banking and Other Financial Information

In order to provide you with Services pursuant to your request, we may collect and store information relating to your Bank Account from you or our third-party partners (see “Sharing with Service Providers and Financial Partners” below for more information), such as bank transactions and balances, last four digits of Bank Account numbers, bank institution, and type of Bank Accounts. We do not currently store your Bank Account log-in name or password; that information is stored by our Financial Partners, and use and storage of that information is governed by those Financial Partners’ applicable terms of service and privacy policy.

Server Logs

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.

Cookies

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.

Third-Party Analytics Providers

We use one or more third–party analytics services (e.g., Mixpanel) to evaluate your use of the Services by compiling reports on activity (based on their collection of information such as IP addresses, Internet service provider, browser type, operating system and language, referring and exit pages and URLs, date and time, amount of time spent on particular pages, what sections of the Website or App you visit, number of links clicked, email open rates and clickthroughs, search terms, and other similar usage data) and analyzing performance metrics. These third parties use cookies and other similar technologies (e.g., pixel tags, mobile SDKs) to help collect, analyze, and provide us such reports or other data.

Aggregate Data

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.

How We Disclose Your Information

Business Transfers

In the event of a merger, dissolution, reorganization, or similar corporate event, or the sale of all or substantially all of our assets, we expect that the information that we have collected, including personal information, would be transferred to the surviving entity in a merger or the acquiring entity. All such transfers shall be subject to our commitments with respect to the privacy and confidentiality of such personal information as set forth in this Privacy Policy.

Disclosure to Public Authorities and for Our (or Others’) Protection

We reserve the right to access, read, preserve, and disclose any information as we reasonably believe is necessary to (i) satisfy any applicable law, regulation, legal process or governmental request, (ii) enforce this Privacy Policy and our Terms of Service, including investigation of potential violations hereof, (iii) detect, prevent, or otherwise address fraud, security or technical issues, (iv) respond to user support requests, or (v) protect our rights, property or safety, our users and the public. This includes exchanging information with other companies and organizations for fraud protection and spam/malware prevention.

Sharing with Service Providers and Financial Partners

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.

By using the Services or signing up for a Northstar Account, you hereby authorize us to review and share your information with all such Service Providers and Financial Partners in accordance with this Privacy Policy, including without limitation the following entities:

Everyday Business Purposes

We may share your information for our everyday business purposes (e.g., processing transactions, maintain accounts and providing Services).

With Your Consent

Without prejudice to any of the foregoing, we may also share your information with your consent or otherwise at your direction.

Marketing and Other Communications

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 support@northstarmoney.com. 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.

How We Protect Your Information

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.

Retention of Personal Information

We will retain your personal information in a form that identifies you only for as long as it serves the purpose(s) for which it was initially collected as stated in this Privacy Policy, subsequently authorized, or as allowed under applicable law.

Your Information Rights

You can access or correct the personal information associated with your account by logging into the Services. Should you ever decide to delete your account, you may do so by emailing support@northstarmoney.com. If you delete your account, we will delete all of your Account Information except as (a) may be required by applicable law or the establishment, exercise, or defense of legal claims or (b) allowed pursuant to this Privacy Policy.

Children

We do not knowingly collect personal information from children under the age of 13 through the Websites. If you are under 13, please do not give us any personal information. We encourage parents and legal guardians to monitor their children’s Internet usage and to help enforce our Privacy Policy by instructing their children to never provide personal information to us. If you have reason to believe that a child under the age of 13 has provided personal information to us, please contact us at support@northstarmoney.com and we will endeavor to delete that information from our databases.

Important Notice to All Non-US Residents

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.

Do Not Track

We do not respond to "Do Not Track" settings or other related mechanisms/browser header settings.

Links to External Websites

Our Services may contain links to third-party websites (“External Sites”). We have no control over, and are not responsible for, the privacy practices or the content of any such External Sites. You should check the applicable privacy policy and terms of use when visiting or submitting any information through such External Sites.

Changes to This Privacy Policy

This Privacy Policy is effective as of the ‘Last Updated’ date stated at the top of this Privacy Policy. We may change this Privacy Policy from time to time with or without notice to you, as required by applicable law. By accessing or otherwise using the Services after we make any such changes to this Privacy Policy, you are deemed to have accepted such changes. Please be aware that, to the extent permitted by applicable law, and without prejudice to the foregoing, our use of your information is governed by the Privacy Policy in current effect. Please refer back to this Privacy Policy on a regular basis.

How to Contact Us

If you have questions about this Privacy Policy, please e-mail us at support@antibudget.io with “Privacy Policy” in the subject line.