Mymo - Privacy Policy

Effective and Last Updated as of March 1, 2024

This Privacy Policy (“Privacy Policy”) describes the types of information about you that MyMo Financial Inc. (“Mymo”, “we”, “us”, and “our”) collects, uses, and shares when you visit www.mymo.com (the “Website”), mobile application (the “App”) or any other online or offline location where this Privacy Policy is made available to you (collectively, the “Platform”). This Privacy Policy also informs you of your rights and choices with respect to the personal information we collect about you.

Personal Information or Personal Data means your personally-identifiable information such as your name, email or mailing address, phone number, account credentials (user id and passwords), social security number, and other information that can be used to personally identify you.

By using the Platform, you agree to our Privacy Policy, our Terms of Service and the collection, use, and disclosure practices, and other activities described in this Privacy Policy. If you do not agree, discontinue use of the Platform.

Mymo is committed to the protection of our Visitors, Mymo Users, and Mymo Spending account holders (also referred to as “you” or “your”) privacy. Let us be clear – we do not rent, sell or trade your Personal Information, however, we may rent, sell, share, or trade aggregated and/or anonymized data derived from your Personal Information.

IMPORTANT

If you are a Nevada or California resident, please see the additional disclosures at the end of this Privacy Policy.

Visitors – Individuals who visit our public website without logging into an account or using our Platform.
Mymo Users – Individuals who establish an account with us and use our Platform for income tracking.
Mymo Spending – Individuals who open a Mymo Spending Account with us for financial services.

Information Collection

A. Information You Provide

While using the Platform, we may ask you to provide us with certain information, including information you provide when you visit our Website, access our content, register an account, enroll in mailing lists or text message campaigns, view or purchase a product or service, apply for a job, contact customer support, or otherwise communicate or transact with us through the Platform.

In general, you can visit our Website without disclosing any personal information. However, Mymo does keep track of the domains from which people visit, including internet protocol (IP) address and various device identifiers.

The categories of information we collect depend on our relationship with you and include the following:

Visitors

What Personal Information is collected?	Why we collect your Personal Information?
Cookies	To recognize you when you make a return visit to our Website to deliver a consistent experience.
Device Data, including about the type of device or browser you use, your device’s operating software, your internet service provider, your device’s regional and language settings, and other similar information. This data includes your IP address, MAC address, device advertising ID (e.g., IDFA or AAID), and other device identifiers.	To improve user experience and navigation on Platform To recognize you when you make a return visit to our Platform to deliver a consistent experience
Pixels (also known as web beacons), which is code embedded in a website, email, or advertisement that sends information about your use to a server. There are various types of pixels, including image pixels (which are small graphic images) and JavaScript pixels (which contains JavaScript code). When you access a website, email, or advertisement that contains a pixel, the pixel may permit us or a separate entity to drop or read cookies on your browser.	To improve user experience and navigation on Website To recognize you when you make a return visit to our Website to deliver a consistent experience
Heat mapping technologies, which is tracking technology that can create heat maps that visualize user behavior (such as highlighting what parts of our Platform you viewed and did not view and for how long).	To improve user experience and navigation on Website
Location Data, including imprecise location data (such as location derived from an IP address or data that indicates a city or postal code level) and precise location data (such as latitude/longitude).	To improve user experience and navigation on the Platform To measure who is visiting and where they are from

When you register as a User for access to our dashboard or begin using our Platform as a Mymo Spending account holder for financial services, we consider you a Mymo User. The following section describes our privacy practices related to you as Mymo User. Mymo Users are also considered Visitors, so this section describes information that we collect in addition to what was described for Visitors.

Mymo Users and Mymo Spending

What Personal Information is collected?	Why we collect your Personal Information?
Contact Information, such as first and last name, email address, postal address, phone number, and other similar contact data.	Satisfy legal and regulatory requirements To provide you with the dashboard experience Facilitate the opening of your Mymo Spending account, on your behalf, with our selected bank partners
Credentials, including username and password, and similar security information for account authentication and administration.	To establish your account and allow you secure access to it
Payment Data, including data necessary to process your payments if you make a purchase through the Platform, such as your credit or debit card number, banking account and routing number, financial account information, or other payment information.	To provide you with the dashboard experience Facilitate the opening of your Mymo Spending account, on your behalf, with our selected bank partners
Demographic Data, including your age, gender, and country of residence.	Verify your identity and develop a profile to prevent fraud Enable our bank partners to comply with their customer identification programs to combat money laundering and prevent financial fraud Satisfy legal and regulatory requirements
Financial Account Data, including third-party financial accounts, account credentials, income, passwords, security questions, transaction, bank account and routing number, balances, and other account information.	To provide you with the Mymo dashboard information, including income earned, estimated tax liability, deduction detection, personalized recommendations, and goals To provide you with potential financial products that you request Provide ongoing information required to provide continuing Platform to you
Content Data, including the content within any messages you send to use.	To provide customer service to Mymo Users To allow you to interact with AI chat interfaces
Sensitive Data, including date of birth, social security number, driver’s license, citizenship.	To provide the Platform To verify your identity and prevent fraud
Employment and Education Data, including your employment and education history, resume, cover letter, transcript, writing samples, and references as necessary to consider you for job openings.	To facilitate your application for employment To provide you with the Platform information concerning income earned To provide your employer, marketplace, or client with aggregated and statistical data concerning its contractors
Contests/Promotions, including information necessary for the administration of certain promotional events.	To facilitate the contest or promotion with you

You may choose to voluntarily submit other information to us through the Platform that we do not request, and, in such instances, you are solely responsible for such information.

A. Additional Information Collected Automatically

In addition, we automatically collect information when you use the Platform. We also use service providers and business partners to collect this information. The categories of information we automatically collect include the following:

Service Use Data, including data about the features you use, the pages you visit, the time and date of your visit, the time spent on those pages and other statistics, emails and advertisements you view, products and services you view and purchase, and your referring and exiting pages.
Location Data, including imprecise location data (such as location derived from an IP address or data that indicates a city or postal code level) and precise location data (such as latitude/longitude).

The types of tracking technologies we use to automatically collect information include:

Log Files, which are files that record events that occur in connection with your use of the Platform.
Location-identifying Technologies, which include GPS (global positioning systems) software, geo-filtering, Bluetooth, beacons, and other location-aware technologies that can locate you (sometimes precisely) for purposes such as verifying your location and delivering or restricting relevant content based on your location. You may limit access to your location data by adjusting the permissions in your device. If you grant us permission, we may collect location information when the app is running in the foreground or background.
Device Fingerprinting, which is the process of analyzing and combining sets of information elements from your device’s browser, such as JavaScript objects and installed fonts, in order to create a “fingerprint” of your device and uniquely identify your browser, device and applications.
In-App Tracking Methods, which include a variety of tracking technologies that may be used in mobile apps. These tracking technologies are not browser-based like cookies and cannot be controlled by browser settings. Some user device identifiers or other identifiers such as mobile Ad IDs to associate app user activity to a particular app and to track user activity across apps. Our apps may also include Software Development Kits or “SDKs,” code that sends information about your use to a server. These SDKs allow us to track our conversions, bring you advertising both on and off the Platform with your social media account.
Connected Devices, which include your television, vehicle, home assistant, or smartwatch, to determine your location, serve advertising, or provide promotional offers. Information we collect through your connected devices will depend on the device and your settings, but may include voice, location, payment information, or biometric data. We also associate the information from connected devices to your device identifier and combine that with transactional information to improve the Platform offered to you. For more information please refer to the sections on “Location-identifying Technologies” and “Voice Processing Technologies” above.

Some information about your use of the Platform and other sites and apps may be collected using tracking technologies across time and Platform. This information may be used by us and others for purposes such as to associate the different devices you use and deliver relevant ads and/or other content to you on and off the Platform.

For further information on how we use tracking technologies for analytics and advertising, and your rights and choices regarding them, see the “Analytics and Advertising” and “Your Rights and Choices” sections below.

B. Information from Other Sources

We also collect information from other sources. To the extent we combine information from other sources with information we have collected about you through the Platform, we will treat such information in accordance with this Privacy Policy, plus any additional restrictions imposed by the source of the data, if any. The categories of sources from which we collect information include:

Data brokers from which we or our vendors purchase data to supplement the data we collect.
Social networks with which you interact, such as when you reference MyMo or our Services, or grant MyMo permission to access your data on one or more of these services.
Affiliates
Partners with which we offer co-branded Platform or products, sell or distribute our products, or engage in joint marketing activities.
Publicly available sources, including data in the public domain and data available in open government databases.

Use of Information

We use the information we collect for our legitimate interests, business and commercial purposes in accordance with the practices described in this Privacy Policy. Our business purposes for using information include:

Operating and managing our Platform;
Performing services requested by you, such as facilitating your transactions, processing your applications, responding to your comments, questions, and requests, and providing customer service;
Sending you technical notices, updates, security alerts, information regarding changes to our policies, and support and administrative messages;
Preventing and addressing fraud, breach of policies or terms, and threats or harm;
Monitoring and analyzing trends, usage, and activities;
Conducting research, including focus groups and surveys;
Improving the Platform and other Mymo websites, apps, marketing efforts, products and services;
Developing and sending personalized content, newsletters, advertisements, financial products, direct marketing and promotional communications about our and other entities’ products, offers, promotions, rewards, events, and services;
Fulfilling any other purpose at your direction;
With notice to you and your consent.

Notwithstanding the above, we may use information that does not identify you (including information that has been aggregated or de-identified) for any purpose except as prohibited by applicable law. For information on your rights and choices regarding how we use information about you, please see the “Your Rights and Choices” section below.

Sharing of Information

We share information we collect in accordance with the practices described in this Privacy Policy or as permitted by applicable law. The categories of parties with whom we share information include:

Affiliates. We share information with our affiliates and related entities, including where they act as our service providers or for their own direct marketing purposes (California residents have certain rights set forth in the additional disclosures below).
Consent. We share information with notice to you and your consent.
Client. We may share aggregated, statistical, or anonymized information with your employer, marketplace, or client.
Facilitating Requests. We share information at your request or direction.
Merger or Acquisition. We share information in connection with, or during negotiations of, any proposed or actual merger, purchase, sale or any other type of acquisition or business combination of all or any portion of our assets, or transfer of all or a portion of our business to another business.
Mymo Spending Partners. The Mymo Spending Account, a demand deposit account, and Mymo Debit Card are established by Pathward, National Association, Member FDIC, pursuant to license by Mastercard International Incorporated. Mymo Spending users can access relevant account materials, including the Cardholder Agreement, Electronic Signature, Fee Short Form, Fee Schedule Agreement, General Agreement, and Privacy Policy, in the Mymo App.
Partners. We share information with our partners in connection with offering co¬branded services, selling or distributing our services, or engaging in joint marketing activities.
Promotions. We offer sweepstakes, contests, surveys, and other promotions (each, a “Promotion”) jointly sponsored or offered by separate entities that may require submitting information. If you voluntarily choose to enter a Promotion, we share information as set out in the official rules that govern the Promotion as well as for administrative purposes and as required by law (e.g., on a winners list). By entering a Promotion, you agree to the official rules that govern that Promotion, and may, except where prohibited by applicable law, allow the sponsor and/or other entities to use your name, voice and/or likeness in advertising or marketing materials.
Public Forums. We disclose information you make public, such as when you post information and materials on our message boards and forums. When you post information in a public forum it becomes public information, and you are solely responsible for that information. Once you have posted information, you may not be able to edit or delete such information, subject to the additional rights set out in the “Your Rights and Choices” section and the “Children” section (if you are under 18 years old) below.
Security and Compelled Disclosure. We share information to comply with the law or other legal process, and where required, in response to lawful requests by public authorities, including to meet national security or law enforcement requirements. We also share information to protect the rights, property, life, health, security and safety of us, the Platform, or anyone else.
Service Providers. We share information with service providers that process information on our behalf. Service providers assist us with Platform services such as payment processing, data analytics, marketing and advertising, website hosting, and technical support. We contractually prohibit our service providers from retaining, using, or disclosing information about you for any purpose other than performing the services for us, although we may permit them to use information that does not identify you (including information that has been aggregated or de-identified) for any purpose except as prohibited by applicable law.
Vendors and Other Parties. We share information with vendors and other parties for analytics and advertising related purposes. These parties may act as our service providers, or in certain contexts, independently decide how to process your information. For more information on advertising and analytics, see the “Analytics and Advertising” section below.

Notwithstanding the above, we may share information that does not identify you (including information that has been aggregated or de-identified) except as prohibited by applicable law. For information on your rights and choices regarding how we share information about you, please see the “Your Rights and Choices” section below.

Other Parties

Our Platform include links that hyperlink to websites, platforms, and other services not operated or controlled by us. In addition, we integrate technologies operated or controlled by other parties into parts of our Platform.

Some examples include:

Offering our content through social media. Any information you provide to us when you engage with our content (such as through our brand page on Facebook or our chatbot in Facebook Messenger) is treated in accordance with this Privacy Policy but also remains subject to these other entities’ privacy policies. Also, if you publicly reference us or Platform on social media (e.g., by using a hashtag associated with Mymo in a tweet or post), we may use your reference on or in connection with our Platform.
“Liking” or “sharing” our content over social media or registering or logging-in to the App through your social media or email account.

Please note that when you interact with other parties, including when you leave our Platform, those parties may independently collect information about you and solicit information from you. The information collected and stored by those parties remains subject to their own policies and practices, including what information they share with us, your rights and choices on their platform and devices, and whether they store information in the U.S. or elsewhere. We encourage you to familiarize yourself with and consult their privacy policies and terms of use to determine the information practices of these other parties as we are not responsible for the privacy practices or the content of any such parties. To the extent we combine information from these separate entities with information we collect directly from you on the Platform, we will treat the combined information in accordance with this Privacy Policy.

Analytics and Advertising

We use analytics services, such as Google Analytics, to help us understand how users access and use the Platform. In addition, we work with agencies, advertisers, ad networks, and other technology services to place ads about our products and services on other websites and services. For example, we place ads through Google and Facebook that you may view on their platforms as well as on other websites and services.

As part of this process, we may incorporate tracking technologies into our Platform as well as into our ads displayed on other websites and services. Some of these tracking technologies may track your activities across time and services for purposes of associating the different devices you use, and delivering relevant ads and/or other content to you (“Interest-based Advertising”).

We also use audience matching services (which is a type of Interest-Based Advertising) to reach people (or people similar to people) who have visited our Website or are identified in one or more of our databases (“Matched Ads”). This is done by us providing a list of hashed email addresses to an ad partner or incorporating a pixel from an ad partner into our own website, and the ad partner matching common factors between our data and their data. For instance, we may incorporate the Facebook pixel on our website and may share your email address with Facebook as part of our use of Facebook Custom Audiences. Some technology services, such as LiveRamp, may provide us with their own data, which is then uploaded into another technology service for matching common factors between those datasets.

As indicated above, vendors and other parties may act as our service providers, or in certain contexts, independently decide how to process your information. We encourage you to familiarize yourself with and consult their privacy policies and terms of use.

For further information on the types of tracking technologies we use on the Platform and your rights and choices regarding analytics, Interest-based Advertising, and Matched Ads please see the “Information We Collect” section above and the “Your Rights and Choices” section below.

Your Rights and Choices

A. Account Information

You can visit the account section of the Platform to access, remove, or update certain account information we have on file about you and that you have submitted through the Platform. Alternatively, you may email us at support@mymo.com to request that it be updated or removed. We may require additional information from you to allow us to confirm your identity. Please note that if you ask us to remove information, we will remove it from consumer-facing parts of the Platform but may continue to store and use the information for internal analytics purposes or as otherwise permitted under applicable law. We will retain and use your information as necessary to comply with our legal obligations or data retention policies, resolve disputes, and enforce our agreements.

B. Tracking Technology Choices.

Cookies and Pixels. Most browsers accept cookies by default. You can instruct your browser, by changing its settings, to decline or delete cookies. If you use multiple browsers on your device, you will need to instruct each browser separately. Your ability to limit cookies is subject to your browser settings and limitations.
Do Not Track. Your browser settings may allow you to automatically transmit a “Do Not Track” signal to online services you visit. Note, however, there is no industry consensus as to what site and app operators should do with regard to these signals. Accordingly, unless and until the law is interpreted to require us to do so, we do not monitor or take action with respect to “Do Not Track” signals. For more information on “Do Not Track,” visit http://www.allaboutdnt.com.

Please be aware that if you disable or remove tracking technologies some parts of the Platform may not function correctly.

C. Analytics and Interest-Based Advertising.

Google provides tools to allow you to opt out of the use of certain information collected by Google Analytics at https://tools.google.com/dlpage/gaoptout, by Google Analytics for Display Advertising or the Google Display Network at https://www.google.com/settings/ads/onweb/, or downloading the Google Analytics Opt-out Browser Add-on.

The companies we work with to provide you with targeted ads are required by us to give you the choice to opt out of receiving targeted ads. Most of these companies are participants of the Digital Advertising Alliance (“DAA”) and/or the Network Advertising Initiative (“NAI”). To learn more about the targeted ads provided by these companies, and how to opt out of receiving certain targeted ads from them, please visit: (i) for website targeted ads from DAA participants, https://www.aboutads.info/choices; (ii) for app targeted ads from DAA participants, https://www.aboutads.info/appchoices; and (iii) for targeted ads from NAI participants, https://www.networkadvertising.org/choices/. Opting out only means that the selected participants should no longer deliver certain targeted ads to you, but does not mean you will no longer receive any targeted content and/or ads (e.g., in connection with the participants’ other customers or from other technology services).

You may also limit our use of information collected from or about your mobile device for purposes of serving targeted ads to you by going to your device settings and selecting “Limit Ad Tracking” (for iOS devices) or “Opt out of Interest-Based Ads” (for Android devices).

To opt out of us using your data for Matched Ads, please contact us as set forth in the “Contact Us” section below and specify that you wish to opt out of Matched Ads. Alternatively, you may directly contact the applicable technology service to opt out.

Please note that if you opt out using any of these methods, the opt out will only apply to the specific browser or device from which you opt out. We are not responsible for the effectiveness of, or compliance with, any opt out options or programs, or the accuracy of any other entities’ statements regarding their opt out options or programs.

D. Promotional Communications

Emails. You can opt-out of receiving promotional emails from us at any time by following the instructions as provided in emails to click on the unsubscribe link, or emailing us at the email address set out in the “Contact Us” section below with the word UNSUBSCRIBE in the subject field of the email. Please note that you cannot opt-out of non-promotional emails, such as those about your account, transactions, servicing, or our ongoing business relations. Please note that your opt-out is limited to the email address used and will not affect subsequent subscriptions.
Text messages and phone calls. For text message communications and calls to your phone number, you may opt-out at any time by (i) for text messaging, texting “STOP” to the appropriate shortcode available from our confirmation text message or contacting us as set out in the “Contact Us” section below and specifying you want to opt-out of text messages; and (ii) for calls, requesting opt-out during any call you receive from us or contacting us as set out in the “Contact Us” section below and specifying you want to opt-out of calls.
Push notifications. For push notifications or in-app messages, you may adjust the permissions in your mobile device or uninstall our app.

Children

The Platform is intended for a general audience and not directed at children. We do not knowingly collect personal information (as defined by the U.S. Children’s Privacy Protection Act, or “COPPA”) from children. If you are a parent or guardian and believe we have collected personal information in violation of COPPA, contact us at support@mymo.com. We will remove the personal information in accordance with COPPA.

We do not knowingly “sell,” as that term is defined under the CCPA, the personal information of minors under 16 years old who are California residents.

If you are a California resident under 18 years old and you are registered with the Platform, you can ask us to remove content or information you have posted to the Platform. Email us at support@mymo.com with “California Under 18 Content Removal Request” in the subject line and tell us what you want removed. We may require additional information from you to allow us to verify your identity as well as details about where the content is posted. We will make reasonable good faith efforts to remove the post from prospective public view, although we cannot ensure the complete or comprehensive removal of the content and may retain the content as necessary to comply with our legal obligations, resolve disputes, and enforce our agreements.

Security

We implement and maintain reasonable administrative, physical, and technical security safeguards to help protect information about you from loss, misuse, unauthorized access, disclosure, alteration, destruction, or modification. Nevertheless, transmission via the internet is not completely secure and we cannot guarantee the security of information about you collected through the Platform.

Additional Disclosures for Nevada Residents

Nevada law (NRS 603A.340) requires each business to establish a designated request address where Nevada consumers may submit requests directing the business not to sell certain kinds of personal information that the business has collected or will collect about the consumer. A sale under Nevada law is the exchange of personal information for monetary consideration by the business to a third party for the third party to license or sell the personal information to other third parties. If you are a Nevada consumer and wish to submit a request relating to our compliance with Nevada law, please contact us at support@mymo.com.

California “Shine the Light”

Customers who are residents of California may request (i) a list of the categories of personal information disclosed by us to third parties during the immediately preceding calendar year for those third parties’ own direct marketing purposes; and (ii) a list of the categories of third parties to whom we disclosed such information. To exercise a request, please write us at the email or postal address set out in the “Contact Us” section above and specify that you are making a “California Shine the Light Request.” We may require additional information from you to allow us to verify your identity and are only required to respond to requests once during any calendar year.

International Transfers

We are based in the U.S. and the information we collect is governed by U.S. law. The Platform is intended for a U.S. audience.

Changes to this Privacy Policy

We reserve the right to update or change our Privacy Policy at any time and you should check this Privacy Policy periodically. Your continued use of the Platform after we post any modifications to the Privacy Policy on this page will constitute your acknowledgment of the modifications and your consent to abide and be bound by the modified Privacy Policy then posted. If we make any material changes to this Privacy Policy, we will notify you either through the email address you have provided us, or by placing a prominent notice on the Platform.

Contact Us

If you have any questions or concerns regarding this Privacy Policy, please feel free to contact us at the following email, telephone number, or mailing address.

Email: support@mymo.com
Telephone Number: 831-215-5476
Mailing Address: PO BOX 1164, ROSS, CA, 94957