20 July 2020
- INFORMATION ABOUT US
www.pocketmoney.com is a site operated by PocketMoney GmbH (“PM” or “we” or “us”). We are registered in Zurich, Switzerland.
- CHANGES TO THESE TERMS
- CHANGES TO OUR SITE
We may update our site from time to time, and may change the content at any time. However, please note that any of the content on our site may be out of date at any given time, and we are under no obligation to update it. We do not guarantee that our site, or any content on it, will be free from errors or omissions.
- ACCESSING OUR SITE
- YOUR ACCOUNT AND PASSWORD
- PROPERTY RIGHTS
- LIMITATION OF OUR LIABILITY
To the fullest extent permitted by law, we exclude all conditions, warranties, representations or other terms which may apply to our site or any content on it, whether express or implied. We will not be liable to any user for any loss or damages, whether direct, indirect, special, incidental, consequential or punitive, in contract, tort (including negligence), breach of statutory duty, or otherwise, even if foreseeable, arising under or in connection with:
– use of, or inability to use, our site; or
– use of or reliance on any content displayed on our site.
If you are a business user, please note that in particular, we will not be liable for:
– loss of profits, sales, business, or revenue;
– business interruption;
– loss of anticipated savings;
– loss of business opportunity, goodwill or reputation; or
– any indirect or consequential loss or damage.
If you are a consumer user, please note that we only provide our site for domestic and private use. You agree not to use our site for any commercial or business purposes, and we have no liability to you for any loss of profit, loss of business, business interruption, or loss of business opportunity.
We will not be liable for any loss or damage caused by a virus, distributed denial – of – service attack, or other technologically harmful material that may infect your computer equipment, computer programs, data or other proprietary material due to your use of our site or to your downloading of any content on it, or on any website linked to it. We assume no responsibility for the content of websites linked on our site. Such links should not be interpreted as endorsement by us of those linked websites. We will not be liable for any loss or damage that may arise from your use of them.
We do not guarantee that our site will be secure or free from bugs or viruses. You are responsible for configuring your information technology, computer programmes and platform in order to access our site. You should use your own virus protection software. You must not misuse our site by knowingly introducing viruses, trojans, worms, logic bombs or other material which is malicious or technologically harmful. You must not attempt to gain unauthorised access to our site, the server on which our site is s tored or any server, computer or database connected to our site. You must not attack our site via a denial – of – service attack or a distributed denial – of service attack. By breaching this provision, you would be committing a criminal offence. We will report any such breach to the relevant law enforcement authorities and we will co-operate with those authorities by disclosing your identity to them.
- APPLICABLE LAW
- TRADE MARKS
Our site contains names and logos which are trademarks of PocketMoney GmbH. Unauthorised use of any of these trademarks is forbidden. Users of our site may print, copy, download or temporarily store information from our site for their personal use but all intellectual and other property information shall remain the property of PM and no rights in it shall be transferred to users. You may not reproduce (in whole or in part), transmit (by electronic means or otherwise), modify, link into or use for any public or commercial purpose this site, or any of its content, without the prior written permission of PM.
Thank you for visiting our site.
20 July 2020
To sum up
Privacy policies are quite long and nobody reads them, so, just to sum up the information contained, PocketMoney GmbH (“PM” or “we” or “us”) would like to ensure that it is not in the business of selling its users’ data, and has developed its products and services taking care of the privacy of its users. We generate our revenues through advertising displayed on the free application and through pay subscriptions, full stop.
As general rule, we do not access or collect the data of your transactions, we do only collect the minimum data we need to offer you the products and services, in addition to some generic anonymized metrics.
All user’s transactions are stored locally on its device and neither we or other third parties have access to them. However, in certain situations, user’s data could be copied on third party servers if the user decides to use one the following optional services:
a) iCloud: if a user performs a backup of its device using iCloud Backup, or chooses in PocketMoney’s settings to opt for storing / synchronizing its data using iCloud, then PocketMoney will copy the entire database on the user iCloud account, which is managed by Apple. This is meant to give a user the possibility to backup and synchronize its own data, so, as such, it is just an option and it is not mandatory to use PocketMoney.
b) Dropbox: if a user chooses in PocketMoney’s settings to opt for storing / synchronizing its data using Dropbox, then PocketMoney will copy the entire database on the user Dropbox account, which is managed by Dropbox. This is meant to give a user the possibility to backup and synchronize its own data, so, as such, it is just an option and it is not mandatory to use PocketMoney.
1.2 Automatic Transactions Download
Users based in the USA, Australia, Canada, Colombia, Hong Kong, India, Malaysia, Mexico, New Zealand, Netherlands, Singapore, South Africa, Thailand, UAE, once checked whether their bank or financial institution is supported, may subscribe to a plan which allows them to use an API, a third party service, which enables the automatic transactions download.
With Yodlee’s service, the user can connect to its bank / financial institution, using its own credentials, and the information is transmitted from the bank / financial institution to PocketMoney App.
We have neither access to the transactions of the users, nor to any banking or financial institution credentials, so we never acquire any personal information from users.
1.3 Personal information
To give access to certain services, we need some information from the user. Here are highlighted the services and the information needed:
a) PocketMoney Free Account: PocketMoney allows the creation of a free account, which is needed to perform actions such as: asking for support, subscribe our newsletter, extending a pay subscription to other devices. To create an account, the user is giving us basic information such as your email, name and surname. Creating such account, is optional if the user is choosing to use PocketMoney without a pay subscription.
Other than the company already mentioned in this document, we are using few selected third party providers to offer some additional service:
Users located in the EU, have certain rights with respect to their personal information:
- Right to access personal data
- Right to correct or update personal data
- Right to restrict processing of personal data
- Right to portability
- Right to withdraw consent if we have asked for it
- Right to file a complaint with a data protection authority
If a user wants to submit a request regarding its rights, can contact the customer support.