Privacy Policy

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Last updated October 14, 2025

This Privacy Policy describes how SavvyMoney, Inc., including its subsidiaries and affiliates (“SavvyMoney,” “we” or “us”), collects, uses, and shares information about you (“You” or “Your”) that we obtain through Your use of any services, materials, publications and communications provided to You that reference this Privacy Policy (collectively, the “Programs”). Portions of the Programs may be available to You through the mobile applications, websites or other internet properties (collectively, “Apps”) provided by a Services Partner (defined below). This Privacy Policy also describes the choices available to You regarding our use of Your personal information and how You can access, update and request deletion of such information. Capitalized terms that are not defined in this Privacy Policy have the meaning given to them in the Terms of Service.

Please read this Privacy Policy carefully to understand our policies and practices regarding Your information and how we will treat it. By accessing and using any of the Programs (directly or through an App), You agree to the terms and conditions of this Privacy Policy. If You do not agree to the terms and conditions of this Privacy Policy, please do not access or use the Programs (directly or through an App) or provide any information to us.

We may update this Privacy Policy to reflect changes to our information practices. If we make changes to this Privacy Policy, we will post a revised version of this Privacy Policy. You can determine when this Privacy Policy was last revised by referring to the “Last Updated” date at the top of this Privacy Policy. Your continued access to or use of any of the Programs (directly or through an App) after any changes to this Privacy Policy have been posted shall constitute Your agreement and consent to such changes. Please return to this page periodically to ensure familiarity with the most current version of this Privacy Policy.

Scope

This Privacy Policy describes only the information we collect in connection with Your use of the Programs. Please note that we are a “service provider” under applicable laws for the information we process on behalf of the partner financial institution You use to access the Programs, such as your bank, credit union, mortgage lender, insurance provider, or any of their technology partners that integrate our Programs (the “Services Partner”). Any information we process as a service provider is governed by our agreement with our Services Partner and we will not use it except as permitted by the agreement and this Privacy Policy.

This Privacy Policy does not apply to information we collect via our public-facing website, https://www.savvymoney.com/, or information about representatives of our Services Partners and other business partners, including in connection with our advertising activities. To learn how we handle such information, please visit our Website Privacy Policy.

Collection and Use of Personal Information

Personal Information We Collect

We may collect certain information that identifies You or can be used to identify You (“Personal Information”) through Your use of the Programs. If You enroll with us through the services, such as online banking or other services, of a Services Partner with whom You have a preexisting relationship, we may receive Personal Information about You from both You and Your Services Partner. If You inquire about or respond to offers for financial or other products or services (“Offers”) made by a Services Partner with which You may or may not have a preexisting relationship, we may receive certain Personal Information about You from both You and the Services Partner making such Offers. Additionally, if You inquire about, apply for, or respond to Offers You receive from a Services Partner, we may receive certain Personal Information about You from both You and the Services Partner making such Offers to You. Lastly, if You authorize us to obtain Your credit report from one or more credit reporting agencies on Your behalf, we may receive certain Personal Information about You from such credit reporting agencies, including Your credit score(s).

We may provide you with the opportunity to use a chatbot to answer your questions about the Programs and to provide customer support. Use of our chatbot requires that you have an account with us, and therefore we will request that you provide Personal Information via the chatbot to identify you as a SavvyMoney account holder. We ask that you not provide any sensitive Personal Information when using our chatbot.

Personal Information about You may include, but is not limited to, the following categories of information:

  • Name
  • Email address
  • Postal address
  • Telephone number
  • Date of birth
  • Social Security number
  • Unique Services Partner User ID
  • Information provided by You to authenticate Your identity
  • Username and password to access the Programs
  • Credit information, such as Your credit score(s), number of open and closed credit accounts, outstanding amounts owed, payment history and other information contained in Your credit report

We collect Personal Information from the following sources: (a) directly from You through Your use of and interactions with the Programs; (b) from Services Partners with which You have a preexisting relationship; (c) from Services Partners making Offers to You with which You may or may not have a preexisting relationship; (d) from Services Partners that have invited You to access or use the Programs to view Offers and/or information contained on Your credit report with which You may or may not have a preexisting relationship; and (e) after You enroll with us, from one or more credit reporting agencies.

In addition, we may use automatic data collection technologies to collect certain information about Your equipment, browsing actions and patterns in connection with your access to the Programs, including:

  • Information about Your usage of the Programs, including the dates on which You retrieved information contained on Your credit report, as well as traffic logs indicating pages and content You have accessed, where you click, traffic data, logs, and other communication data and the resources that You access.
  • Information relating to the browser and device You use to access and use the Programs (such as the browser type, IP address, location of device, device ID, operating system, mobile network information) and other information that “fingerprints” (i.e., permits the identification of) Your device.

For further information, see Cookies and Other Tracking Technologies below.

Use of Personal Information

We may use Your Personal Information to:

  • Authenticate Your identity and prevent fraud.
  • Create an account with us and administer Your account.
  • Fulfill Your requests, respond to Your inquiries, provide the features You enroll for on the Programs, and/or complete transactions You have requested.
  • Communicate with you via our chatbot. In addition, we use data collected via our chatbot to monitor the performance and effectiveness of our chatbot in order to continually enhance its accuracy and the user experience.
  • Retrieve Your credit report on an ongoing basis and monitor Your credit.
  • Send You the requested product or service information or inform You of products or services that we believe You may be interested in.
  • Provide and transmit information on applications You initiate in response to Offers made to You by a Services Partner.
  • Display content based on Your interests.
  • Send You important information regarding the Programs, changes to our terms, conditions, and policies and/or other administrative information. If this information relates to Your account with us, You may not opt out of receiving such communications except by closing Your account.
  • For our internal business purposes, such as data analysis, audits, developing new products or services, enhancing and improving the Programs, identifying usage trends and determining the effectiveness of features, offers and promotional campaigns.
  • For the benefit of Services Partners, including sharing performance metrics data to assist Services Partners in assessing the effectiveness of their campaigns, products and services.
  • As we believe to be required, necessary or appropriate: (a) to comply with legal process; (b) to respond to lawful requests by public authorities (which includes public authorities outside Your country of residence), including to meet national security or law enforcement requirements; (c) to enforce the Terms of Service; (d) to protect our operations, business and systems; (e) to protect our rights, privacy, safety or property, and/or that of other users of the Programs, including You; (f) in the case of a dispute, to allow us to pursue available remedies or limit the damages that we may sustain; and (g) in any manner permitted under applicable law, including the laws outside Your country of residence.

Choice/Opt-Out of Marketing Communications

You may choose to stop receiving marketing emails and communications from SavvyMoney by following the unsubscribe instructions included in such emails or communications, or within your account settings.

Information Sharing

We share Your Personal Information with our affiliates and third parties only in the ways that are described in this Privacy Policy. We do not sell Your Personal Information to any third parties.

Service providers. We may share Your Personal Information with third parties that are our agents or that provide services to us to help us with our business activities and in providing the Programs to You, such as authentication of the identity of users, preventing fraud, website hosting, data analysis, email delivery services, text delivery services, retrieving credit reports, credit application processing, chatbot functionality, and customer service. These third parties are authorized to use Your Personal Information only to enable them to provide services to us or act as our agents in performing the activities we are permitted to conduct under the Terms of Service and this Privacy Policy. We require that these third parties are bound by contractual obligations to keep Your Personal Information confidential and use it only for the purposes for which we disclose it to them.

Services Partners. We may share Your Personal Information with a Services Partner, including when You apply for Offers made by a Services Partner through the Programs, or when You request that a Services Partner or other third party follow up with You about Your income, debt and spending, or to otherwise contact You regarding Offers and other promotions for which You may be eligible. Also, if You inquire about, apply for, or respond to Offers You receive from a Services Partner, we may share Your Personal Information with such Services Partner and its third-party providers that allow You to apply for such Offers. Additionally, we may share Your Personal Information with Services Partners that have invited You to access or use the Programs to view Offers and/or information contained on Your credit report. Lastly, if You seek customer service assistance from a Services Partner for Your account with us, such Services Partner may be provided with access to Your account, including all information contained in Your account. The Personal Information that we may share with a Services Partner include: (a) Your contact information (which includes Your name, email address, postal address, phone number and Unique Services Partner User ID); (b) whether You appear to qualify for Offers made available by such Services Partner; (c) based on Your credit report, whether You appear to meet certain credit thresholds or criteria; (d) Your credit score(s) and any credit application information You submit; and (e) information about Your usage of the Programs, including the content You access.

You may opt out of receiving marketing solicitations and other Offers from a Services Partner based on Your Personal Information provided by us to such Services Partner by contacting the Services Partner with which you have an account(s). For purposes of clarity, if You also wish to opt out of receiving emails and other communications from a Services Partner (which are not based on Your Personal Information provided by us to such Services Partner), You must do so in compliance with the applicable terms, conditions and privacy policy of such Services Partner. You may not opt out of viewing certain offers that appear on Your screen when You are logged into an App offered by a Services Partner, whether or not based on Your Personal Information provided to us from such Services Partner. If any of the Programs are no longer being offered or made available through a Services Partner, such Services Partner may notify You of such fact, even if You have opted out of receiving marketing emails and communications.

Please understand that this Privacy Policy governs only SavvyMoney’s collection, use and disclosure of Your Personal Information in connection with the Program. The collection, use and disclosure of Your Personal Information by a Services Partner or any other third party that You authorize to receive Your Personal Information is governed by that Services Partner’s or other third party’s privacy policy.

At your direction. We may disclose Your Personal Information where directed by you or as otherwise necessary to provide a service you request. For example, we make available opportunities to sign up for related services by partners, such identity theft protection. If you elect to sign up for such related services, we share Your Personal Information with the partner to enroll you for the service.

Other disclosures. We may also disclose Your Personal Information:

  • As required by law, such as to comply with a subpoena or similar legal process.
  • To respond to lawful requests by public authorities (which may include public authorities outside Your country of residence).
  • To protect our rights, privacy, safety or property, and those of users of the Programs, including You.
  • To a subsidiary or other affiliate for any of the purposes described in this Privacy Policy.
  • To a successor entity or other third party in the event of a reorganization, merger, sale, joint venture, assignment, transfer or other disposition of all or any portion of our business, assets or stock (including without limitation in connection with any bankruptcy or similar proceedings) (each, a “Transaction”). If we are involved in a Transaction and a third- party receives Your Personal Information as a result, You will be notified in accordance with applicable laws.
  • To any other third party with Your prior consent to do so.

Aggregated or Anonymized Information

We may aggregated or anonymize information such that it cannot be used to identify any individual, and we may use and share such aggregated or anonymized information for our lawful business purposes. If we combine aggregated or anonymized with information that identifies You, we treat it as Personal Information and will use such information only as described in this Privacy Policy.

Do Not Track Signals

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 how website and app operators should respond to these signals. Accordingly, at this time, we do not respond to “Do Not Track” signals sent from Web browsers.

Cookies and Other Tracking Technologies

We use technologies such as Google Analytics, cookies and similar technologies for remembering Your user settings, customizing Your experience, and better understanding how the Programs are used.

To opt out of Google Analytics, please see https://tools.google.com/dlpage/gaoptout.

Log files

As is true of most websites, we gather certain information automatically and store it in log files. This information may include IP addresses, browser type, internet service provider, referring/exit pages, operating system, date/time stamp, and/or clickstream data. We may automatically combine this type of collected log information with other information we collect about You. We do this to improve the Programs, to analyze and understand usage, and to administer the Programs.

Data Security

We have implemented industry-standard physical, administrative, and technical safeguards to preserve the integrity and security of Your Personal Information. Such safeguards include using secure socket layers (SSL) and encryption both during transmission of Your Personal Information (such as Your address, date of birth, and social security number) and after we receive Your Personal Information. Unfortunately, no data transmission over the internet or data storage system can be guaranteed to be 100% secure. Therefore, we cannot ensure or warrant the absolute security of any information You transmit to us or which is transmitted by us, You authorize us to obtain on Your behalf, or You receive from us, and we cannot guarantee that Your information may not be accessed, disclosed, altered, or destroyed by breach of any of our physical, administrative and/or technical safeguards. Additionally, we will not be responsible or liable to You for third party circumvention of our security measures. If You have reason to believe that Your interaction with us is no longer secure (for example, if You believe that the security of any account You might have with us has been compromised), You must immediately notify us of the problem by contacting us at our contact information at the end of this Privacy Policy.

In our agreements with Services Partners, we commit to maintaining an information security program, and notifying the Services Partners of any security breaches, consistent with the applicable obligations of the Services Partners under the Gramm-Leach-Bliley Act.

Your Privacy Choices

Your Personal Information is protected by certain federal privacy laws, such as the Fair Credit Reporting Act and the Gramm-Leach-Bliley Act (“GLBA”). To learn about Your privacy rights and choices under the GLBA, please contact the Services Partner through which You access the Programs. We are a “service provider” pursuant to GLBA for Personal Information we process on behalf of Your Services Partner and only use such Personal Information as permitted by our agreement with the Services Partner and this Privacy Policy.

Accessing Your Personal Information

You may access Your Personal Information by viewing Your SavvyMoney account through the Programs. If You have questions about Your Personal Information, or wish to update any Personal Information that is inaccurate or out of date, please contact us as provided in the ‘Contact Information’ section below.

Deleting Your Personal Information

If You wish for us to delete Your Personal Information, You must close Your account with us by contacting us at our contact information at the end of this Privacy Policy or through Your setting inside Your profile for the Programs.

We will respond to Your request within a reasonable timeframe. Please note that we cannot remove Your Personal Information from the database of third parties that previously received such information.

Retention Period

We will retain Your Personal Information for the period necessary to fulfill the purposes outlined in this Privacy Policy as well as may be necessary to comply with our legal obligations, resolve disputes, and enforce our agreements, all in accordance with applicable law.

Links to Other Websites or Internet Properties

The Programs may include links to other websites or other internet properties whose privacy practices may differ from this Privacy Policy. If You submit Personal Information to any of those websites, Your Personal Information is governed by their privacy policies. We encourage You to carefully read the privacy policy of any website You visit.

Testimonials

We display personal testimonials of customers on our websites in addition to other endorsements. With Your consent, we may post Your testimonial along with Your name. If You wish to update or delete Your testimonial, You can contact us at info@savvymoney.com.

Children’s Privacy

Protecting the privacy of children is especially important to us. The Programs are not directed to children, and we do not knowingly collect Personal Information from children. If we become aware that we have collected Personal Information from a child without any parental consent required by law, we will delete that information. If You believe we might have any information from or about a child, please contact us at privacy@savvymoney.com.

Contact Information

If You have any questions or comments about this Privacy Policy or our privacy practices, You can contact us as follows:

By email at: privacy@savvymoney.com

By mail at:

SavvyMoney, Inc.
Attn: Privacy
4160 Dublin Blvd, Suite 250
Dublin, CA 94568

If You have an unresolved privacy or data use concern that we have not addressed satisfactorily, please contact our U.S.-based third party dispute resolution provider (free of charge) at https://feedback-form.truste.com/watchdog/request

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