LAST UPDATED: February 13, 2018
What Information Do We Collect?
What Information Do
We may collect personally-identifiable information when you specifically and knowingly provide it to us, for example when you access the Services and provide your name, address, email address and similar personal information; when you register and provide your social security number, government identification, including driver's license or passport information, bank and other financial information; when you create User Content; or when you contact us with your name, address, or email address. We may collect other personal information, such as your financial history, when you use the services. Esusu does not consider personal information to include information that has been anonymized so that it does not allow a third party to easily identify a specific individual. We collect and use personally-identifiable information to operate and improve our Services, to allow you to provide third parties or other Users access to your User Content, to provide customer service, to communicate with you when requested, and to perform research and analysis aimed at improving our products, services and technologies.
You may always choose not to provide personal information, but then the Services will not be available to you. Note that personally-identifiable information we collect and your User Content may be stored and processed in the United States or any other country in which we or our affiliates, subsidiaries, contractors or agents maintain facilities; by using the Services, you consent to any such transfer of information outside of your country.
We may collect and aggregate non-personally-identifiable information, such hardware types, geographic location, and access times and durations.
Website Use And Technologies:
When you use the Services, Esusu, or third parties on our behalf, may collect non-personally-identifiable information via the use of pixels, programs, cookies and other similar technologies.
Personal information includes personally-identifiable information and non-personally-identifiable information.
Cookies are pieces of information that are transferred to an individual's hard drive for record-keeping purposes. They are used to assist you in using site information and content by saving your user preferences which allows us to identify registered users and save you time by eliminating the need to repeatedly enter the same information. They are also used to collect aggregate information about users on an anonymous basis. In addition to cookies, we may use other technologies, including single-pixel gifs (also known as web beacons) on our websites and in promotional email messages or newsletters. These electronic images assist us in determining how many users have visited certain pages or opened messages or newsletters. We do not use these single-pixel gifs to collect personal information. You have the ability to accept or decline cookies. Most browsers automatically accept cookies, but you can modify your browser setting to decline cookies or to request your permission each time a service attempts to set a cookie. Please be aware that this site is optimally designed to operate with cookies enabled in your internet browser. If you choose to decline cookies, you may not be able to sign in or use other interactive features of the Services that depend on cookies.
What Do We Do With
The Information That We Collect?
What Do We Do With The Information That We Collect?
What Do We Do
With The Information
That We Collect?
(a) Esusu will use the personally-identifiable information directly submitted by you and your User Content solely for the purpose for which you have provided it, such as processing transactions (including related communications); providing notices, updates, security alerts, and support; providing a third-party access to your User Content as provided for on the Services or as needed to complete any Services. We may share with the third parties, designated by you to receive such information and which you have selected to perform services on your behalf such as financial institutions, payment processors, other Users, or service providers who perform services on our behalf such as providing data storage, data transmission, etc. Service providers will be permitted to obtain only the personal information they need to provide the Services, will be required to maintain the confidentiality of the information, and will be prohibited from using it for any other purpose. Also, if we go through a corporate sale, merger, reorganization, dissolution or similar event, data we gather from you may be part of the assets transferred or shared in connection with due diligence for any such transaction. Any acquirer or successor company may continue to use the data we collect from you as described in this notice. Esusu may also use your personal information and personally identifiable information that we collect from you to create a unique "Esusu Score" that we may provide to you.
(b) Esusu, third-parties you authorize, or our third-party partners will use personal information to track and analyze usage and volume statistical information from our users to administer content and to provide the Services. We may also perform statistical analysis of user behavior in order to measure interest in our online products and services for product development purposes.
(c) Disclosure: As a general rule, Esusu will not disclose any of your personally identifiable information or your User Content except under one of the following circumstances: (1) we have your permission; (2) we determine in good faith that it is legally required to be revealed by any relevant statute, regulation, ordinance, rule, administrative or court order, decree, or subpoena; (3) information revealed during the course of Esusu’s enforcement of the policies and procedures of the Services; (4) information that we determine must be disclosed to correct what we believe to be false or misleading information or to address activities that we believe to be manipulative, deceptive or otherwise a violation of law; (5) where you are otherwise notified at the time we collect the data; (6) where we need to share your information to provide the product or service you have requested; (7) when such disclosure is made subject to confidentiality restrictions in connection with a sale, merger, transfer, exchange, or other disposition (whether of assets, stock, or otherwise) of all or a portion of the business conducted by Esusu. Esusu may share the non-personally identifiable information that Esusu gathers, in aggregate form only, with advertisers and other partners.
The Esusu Service Terms and Conditions provide that Users must be at least 18 years old to use the Services. Esusu does not knowingly collect personally-identifiable information from Users under 18. In the event that we learn that we have collected any personal information from a User under the age of 13, we will attempt to identify and delete that information from our database. If you believe that we might have any personal information from a child under 13, please contact us at [email protected].
Social Network Applications
The Services allow you to elect to access the data on your profile in social networks, and to interact through features on the social networks. This access is not activated automatically, but requires express authorization by you. The Services allow you to authorize us to obtain information about you that is available on the social network (for instance name and surname), as well as to interact with our account. For further information on the use of personal information by social networks, you should review their respective privacy policies.
The Services are owned by Esusu and may be accessed in the United States and abroad. For data protection purposes, Esusu is the controller. Esusu or third-parties you authorize may be the processor of Your User Content. Your data may be sent to the United States and possibly other countries. We store data about and from Users on servers located in the United States, and we may also store this data on servers and equipment in other countries. Information collected may be retained, and may be stored, processed, accessed, and used in jurisdictions whose privacy laws may be different and less protective than those of your home jurisdiction. In addition, your personal information may be processed in the country in which it was collected and in other countries, including the United States, where laws regarding processing of personal information may be less stringent than the laws in your country. If you are located outside of the United States, please note that the information you provide to us may be transferred to the United States. By using the Services and providing your personal information, you consent to such transfer.
How Does A User Change
Or Update Information?
How Does A User Change Or Update Information?
How Does A User Change
Or Update Information?
Security And Encryption
We follow generally accepted industry standards to help protect your personal information. No method of transmission over the internet, mobile technology, or method of electronic storage, is completely secure. Therefore, while we endeavor to maintain physical, electronic, and procedural safeguards to protect the confidentiality of the information that we collect online, we cannot guarantee its absolute security. Our Service has security measures in place designed to protect against the loss, misuse and alteration of the information under our control. We use standard Secure Socket Layer (SSL) encryption that encodes information for such transmissions. All Services information is maintained on secure servers. Access to stored data is protected by multi-layered security controls including firewalls, role-based access controls and passwords.
All bank account information is processed directly with SynapseFI.com. We do not process, record or maintain your credit card or bank account information, or your social security number (if your SSN is required) and none of Esusu's internal servers are able to view or obtain plaintext card numbers. For more information on how payments are handled by SynapseFI, or to understand the data security and privacy afforded such information, please refer to https://synapsefi.com/privacy.
Changes To This Policy
Choices About Data
To request deletion of, access to, or to make changes to data we’ve collected from you via the Services, email us at [email protected]. We will use commercially reasonable efforts to honor your request, but please note that even if you request that we delete data we’ve collected from you, we may still retain data collected from you in an aggregated or anonymized form that does not identify you. When we delete any information, it will be deleted from the active database, but may remain in our archives. We also will not delete your data (i) if we are legally required to maintain it, or (ii) for fraud prevention or similar purposes.
If you decide at any time that you no longer wish to accept cookies from our Service for any of the purposes described above, then you can instruct your browser, by changing its settings, to stop accepting cookies or to prompt you before accepting a cookie from the websites you visit. Consult your browser's technical information. If you do not accept cookies, however, you may not be able to use all portions of the Service or all functionality of the Service. If you have any questions about how to disable or modify cookies, please let us know via the contact information provided above.
If you decide at any time that you no longer wish to have your Social Networking Site ("SNS") account (eg. Facebook or Twitter) linked to your Account, then you may de-link the SNS account in the "preferences" section in your account settings. You may also manage the sharing of certain personal information with us when you connect with us through a SNS, such as through Facebook Connect. Please refer to the privacy settings of the SNS to determine how you may adjust our permissions and manage the interactivity between the Services and your social media account or mobile device.
You can stop all collection of information by the Apps by uninstalling the Apps. You may use the standard uninstall processes as may be available as part of your mobile device or via the mobile application marketplace or network. To serve ads in our Apps where cookie technology is not available, Esusu hashes users' device IDs. Users may choose to reset or opt out of anonymous IDs at any time. If users choose to opt out, ads delivered to the Apps by ad serving technology will not be served on an anonymous ID.
Electronic Funds Transfers ("EFTs")
And Account Balances
Electronic Funds Transfers ("EFTs") And Account Balances
Electronic Funds Transfers ("EFTs")
And Account Balances
And Account Balances Electronic Funds Transfers ("EFTs") And Account Balances Electronic Funds Transfers ("EFTs")
And Account Balances
The following disclosures are made in accordance with the federal law regarding electronic payments, deposits, transfers of funds and other electronic transfers to and from your account(s). There may be limitations on account activity that restrict your ability to make electronic fund transfers. Any such limits are disclosed in the appropriate agreements governing your account.
A. Definitions: Electronic Fund Transfer: Any transfer of funds, other than a transaction originated by check, draft or similar paper instrument, that is initiated through an electronic device or computer to instruct us to debit or credit an account. Electronic Fund Transfers include such electronic transactions as direct deposits or withdrawals of funds, transfers initiated via telephone, website or mobile application. Preauthorized Electronic Fund Transfer: An Electronic Fund Transfer that you have authorized in advance to recur at substantially regular intervals; for example, direct deposits into or withdrawal of funds out of your account.
B. Your Liability: Authorized Transfers: You are liable for all Electronic Fund Transfers that you authorize, whether directly or indirectly. Unauthorized Transfers: Tell us at once if you believe your account or PIN or Access Information (as defined below) is lost or stolen or has been or may be subject to unauthorized Electronic Fund Transfers. Support message us immediately to keep your possible losses to a minimum. You could lose all the money in your account(s). If you tell us within two (2) business days after learning of the loss or theft of your account access device, or after learning of any other unauthorized transfers from your account involving your account access device, you can lose no more than $50 if Electronic Fund Transfers are made without your permission. For these transactions, if you DO NOT tell us within two (2) business days after learning of the loss, theft or unauthorized use, and we can establish that we could have prevented the unauthorized transfer(s) if you had told us in time, you could lose as much as $500. Also, if your periodic account statement shows unauthorized transfers and you DO NOT tell us within sixty (60) days after the statement was delivered to you, you may not get back any money you lose after the sixty (60) day period if we can prove that we could have prevented the unauthorized transfer(s) if you had told us in time. If an extenuating circumstance (such as extended travel or hospitalization) prevents you from promptly notifying us of a suspected lost or stolen access device or of any other suspected unauthorized transfer(s), the time periods specified in this Section B may be extended for a reasonable period.