Last updated: Mar 23, 2026
This Privacy Policy outlines how ShoulderTap Technologies, Inc. d/b/a Mine (f/k/a Fizz) (together with its subsidiaries, “Mine”, “we”, “our" or “us”) collects, uses, stores, and protects the privacy of personal information of any individual who visits our website or opens an account with Mine. YOU ACCEPT THIS PRIVACY POLICY BY USING OUR PRODUCTS AND SERVICES ON OUR WEBSITE OR THROUGH ANY OTHER MEANS.
We may amend this Privacy Policy at any time by posting a revised version on our website. Depending on the amendments made, we may attempt to give a reasonable notice period upon making any changes; however, unless otherwise stated, the revised version will be effective at the time we post it.
This Privacy Policy applies to information collected on our websites, www.usemine.com and www.moneygpt.com, and any related website domains, including our legacy domain www.joinfizz.com (collectively, “Website”), through our mobile application, and through any related interactions with us (collectively, our “Services”). The Website may contain links to other websites. Your access to and use of the Services is subject to Mine’s Terms of Use and other terms that may be made available to you in connection with your use of the Services.
In addition to this Privacy Policy, individuals residing in the United States may also refer to the Mine U.S. Consumer Privacy Notice, which provides additional details about our collection, use, and sharing of your personal information in connection with the financial services that we provide to individuals, and associated rights you may have under federal law.
1. Information We Collect
We collect different types of information about you depending on how you interact with us and how you use our Services. This information may include personal information, which we collect in order to offer you our Services and for the additional reasons explained in this Privacy Policy. When we mention “personal information” or “personal data” we mean information that identifies, relates to, or describes you, directly or indirectly. As further described below, we may collect information that you provide to us and information that we obtain automatically when you use our Services, and we may additionally obtain information about you from third parties. In order to provide our Services, we partner with or otherwise use third-party companies to perform certain business-related functions on Mine’s behalf (“Service Providers”), which may also collect personal information from or about you. In addition to the information below, please see Section 6 (Third Parties) below for more information about our Service Providers and others that we work with.
1.1 Information That You Provide to Us
Registration and contact information. If you open an account with us or otherwise interact with our Services, we may collect your name, email address and login details, your postcode, your country, your social security number and/or taxpayer identification number, your phone number, information related to your education (for example, your university enrollment and graduation year) and employment (for example, occupation, employer, and income details), information related to your liabilities (for example, student loans or outstanding lines of credit) and any additional information you provide us. If you share contact information with us, we may use that information to communicate with you or for other purposes as described in this Privacy Policy. We or our identity verification partners may also collect a copy of your government issued photo ID or other documents that may or may not contain your photograph. We may also require you to provide a photo of yourself. This information may be used to verify your identity or meet regulatory obligations. We will retain biometric data for as long as necessary to satisfy the purpose of collection or as otherwise required by law.
Information necessary to provide you with the Services. We may also collect additional information from you when you use the Services. This may include financial information such as account balances, income, transaction history, and similar financial information and, if you enroll in certain features of the Services, credit score and other credit history data from one or more credit reporting agency. For more information about the types of financial information that Mine collects, please refer to the Mine U.S. Consumer Privacy Notice.
Information you provide to Mine. You may provide us with additional information when you interact with any of our Services, including if you voluntarily provide information in free-form text boxes through Services or when you connect your financial accounts to our Services.
Communications with Mine. You may contact us via email or by in-app support chat service (for example, with questions about our Services, for customer support, or to let us know your ideas for new products or modifications to existing products). When you contact us, we collect the information you choose to provide us, such as your contact details, any images you choose to upload and the contents and nature of your message, as well as information about your use and interaction with our Website or other Services.
Information relating to third parties. Certain areas and aspects of our Services may permit or require you to provide us with information relating to third parties, such as where you invite someone to sign up for Mine (collectively, “Third-Party Data”). Please keep in mind that any such information that you provide us must be consistent with this Privacy Policy or our Terms of Use. If you use any feature of the Services that allows or requires you to provide Third-Party Data, either by submitting Third-Party Data to the Services or otherwise permitting the Services to automatically access Third-Party Data in your possession, you acknowledge, represent, and agree (a) that you have the authority of the relevant third party for us to access and use the relevant Third-Party Data, (b) that you have notified these third parties and informed them how their information is collected and used by Mine to provide the Services, and (c) your sharing of the Third-Party Data complies with our Terms of Use and this Privacy Policy.
1.2 Information that is Passively or Automatically Collected When You Use Our Services
When you visit the Mine website or use our other Services, we may collect information sent to us by your computer, mobile device, or any other device. This information may include:
Device information such as identifiers, geolocation data, device names and types, operating system, and location.
Mobile network information and standard web log information, such as your browser type, traffic to and from our site, the pages you accessed on our website, and any other available information.
Usage Information. We may also collect information about your use and interaction with our website, application or the Services.
For more information about the methods we and our Service Providers use to collect this information, please see Section 8.3 (Cookies and Similar Technologies) below.
1.3 Information Collected from Other Sources
As part of the Services, Mine may enable you to review a copy of your credit score or receive alerts related to changes to your credit report(s). In order to provide these functionalities, Mine may access your credit profile, including without limitation, your credit report, credit score(s), and other related information (collectively, “Credit Information”), which is used to verify your identity, to provide your credit information to you, and provide you with credit monitoring, alerts, and insights through the Services.
We may also receive information about you from other sources, such as our Service Providers that assist us with payment services, analytics, and security, and others, consistent with any privacy or sharing choices you have made with any such third-party platform.
2. Use of Information
We use information about you for the following purposes:
Communicating with you. We may use your personal information to send you information while we process your application and verify your identity. Subject to your preferences regarding marketing communications (see Section 8.2 (Communications Preferences) below), we may also use the information we collect to send you communications relating to the Services, such as updates on events, communications relating to products and services offered by us and by third parties, and communications about services we believe will be of interest to you. If you have chosen to provide us with your mobile number, we may communicate with you to provide information regarding your Mine account by phone or text message. You can opt out of text messages by following the instructions provided in those messages, or by contacting us at [email protected].
Providing the Services. We use the information we collect to operate, maintain, and provide our Services, such as enabling access to the Services, customer support, or to analyze or complete transactions. We also use the information to personalize certain Services to you and to determine your eligibility for, and administer your participation in, certain Services or features of the Services, including, but not limited to, surveys, contests, sweepstakes, promotions (including, in some circumstances, promotional pricing) and rewards.
Security and Fraud Prevention. We use the information we collect to secure our Services and to verify your identity; prevent fraud; protect the security of our information, systems, and network; and to continually improve these aspects of our Services.
Analytics, Research, and Product Development. We use the information we collect to analyze usage trends and preferences in order to improve the accuracy, effectiveness, security, usability or popularity of our Services. We further use data in connection with our research on our customer demographics, interests and behavior, as well as to develop, maintain, and improve our services by using machine learning, AI, and risk modeling.
Legal. We use information we collect to defend our legal rights, comply with national, state, local, federal, regional or international laws, and to enforce our Terms of Use and this Privacy Policy.
Use of Aggregated Data. We may aggregate, anonymize and/or de-identify information collected from or about you so that the information no longer identifies you (“Aggregated Data”). Mine and our Service Providers may use Aggregated Data in the administration of our Services to generate new Service features, improve their usability, evaluate the success of particular marketing and advertising campaigns, and help optimize our Services based on your needs.
Mine will not use your Credit Information for any purpose other than as set forth herein and in our Terms of Use.
3. Data Security
Mine is committed to protecting the confidentiality of your information and online transactions. We maintain physical, electronic and procedural safeguards designed to protect your personal information. We have security procedures in place designed to safeguard against loss, theft, unauthorized access, destruction, misuse, and modification of this information after we receive it.
In order to help us in securing your information, you should choose a strong password for your account with Mine, and never share your password with anyone. Your password is not known to any Mine employee or third party, and we will never ask for your password by phone or email.
If you have reason to believe that your personal information is no longer secure, please immediately contact us as set forth in Section 11 (Contact Us) below.
4. Sharing of Personal Information Collected
There are certain circumstances in which we share information collected through the Services with third parties. Mine does not sell your personal information, but may disclose your information as set forth below.
With our successors-in-interest. We will share your information with third parties in the event of any reorganization, merger, sale, joint venture, assignment, transfer, or other disposition of all or any portion of our business, assets, or stock (including in connection with any bankruptcy or similar proceedings) and, in each case, any due diligence relating thereto.
With our agents, consultants, vendors, Service Providers, and similar third parties. We provide access to or share your information with third parties so they can perform services for us. Examples of such functions include marketing, mailing information, data storage, security, identity verification, fraud prevention, payment processing, legal services, analytics, and maintaining databases. We limit the personal information provided in this context to that which is reasonably necessary for them to perform their functions.
To meet our legal obligations. Mine may disclose your information when we have a good faith belief that doing so is necessary to: (i) comply with the law including with subpoenas, search warrants, court orders, and other legal process; and respond to inquiries or requests from government, regulatory, law enforcement, public authorities, or content protection organizations; (ii) protect and defend the legal rights, privacy, safety or property of Mine, its affiliates, subsidiaries, employees, agents, contractors, or its users; (iii) permit us to pursue available remedies, commence, participate in, or defend litigation, or limit the damages we may sustain; or (iv) enforce this Privacy Policy or any applicable terms.
Your consent. In certain situations, we may share your information in the event that you consent to or authorize the sharing of your information.
Aggregated Data. We may share Aggregated Data with business partners, research facilities, or other third parties, as well as to generate new Service features. This information does not identify you.
Other users of our Services. We provide your information to other users of our Services if you choose to make your information publicly available in a publicly accessible area of the Services or otherwise with your consent.
Mine will not share your Credit Information for any purpose other than as set forth herein and in our Terms of Use.
5. Data Retention
We retain your information for as long as necessary for the purpose for which that information was collected and for our legitimate business operations; provided, however, that your information is only retained to the extent permitted or required by applicable laws. When we no longer need to retain your information, we will take reasonable steps to remove it from our systems and records and/or take steps to anonymize it so that you can no longer be identified from it in accordance with our internal document retention policies.
We may also delete your information after a prolonged period of inactivity with respect to our Services, except to the extent necessary to comply with our legal obligations. When determining the retention period for your information, we take into account various criteria, such as the type of products and services requested by or provided to you, the nature and length of our relationship with you, possible re-enrollment with our Services, the impact on the Services we provide to you if we delete some information about you, and mandatory retention periods provided by law and associated limitations periods.
6. Third Parties
Depending on the Services you use, we may use Service Providers and other third parties to help us provide the Services and for other purposes, such as to gather information about how you view and use our Services and content, and to connect your activity with other information we store about you. The manner in which these third parties collect, use, store, and disclose your information (and the types of information that they collect) is governed by the policies of such third parties, and some information about your online activities may be tracked over time and across third-party websites or other online services. Mine has no responsibility for the privacy practices or other actions of any third party that may be enabled within, or integrated with, the Services. Some of these third parties and the services they provide include:
Analytics and Marketing Services. We use several analytics providers which allow us to view information about traffic to our Website and help us understand how Website visitors use our Services. These providers are set forth below.
Google Analytics. We use Google Analytics 4 and the Google Search Console tools by Google Analytics. For more information on Google Analytics (including how it uses data for its own purposes, e.g., for profiling or linking it to other information) please visit the Google Analytics Terms of Use, the Google Analytics' Privacy and Data Protection Guidelines and in the Google Privacy Policy.
Facebook Pixel. The Facebook Pixel helps us to identify relevant audiences for advertising purposes among Facebook users. For specific information and details about the Facebook pixel and how it works, please visit the Facebook Help Center.
Reddit Pixel. We use the Reddit Pixel to help us to identify audiences for advertising targeting among Reddit users. The Reddit Pixel aids us in displaying Reddit advertisements to Reddit users who have visited our Service, Reddit users who have engaged with our Services, and Reddit users who share certain characteristics with visitors to our Website or users of our Services. Reddit may use cookies, pixels, web beacons, and other storage technologies to collect information from the Service and from other Internet websites, and use that information for the purposes of targeting ads and providing measurement services. Reddit may track your activity over time and across websites. For more information about the data Reddit collects, please visit Reddit’s Privacy Policy. For specific information about Reddit Pixel, please visit this article. If you are logged into Reddit, You can opt out of the collection and use of Your information for targeted advertising by visiting Reddit’s personalization page.
TikTok Pixel. The TikTok Pixel aids us in displaying advertisements to TikTok users who have visited our Website, or TikTok users who share certain characteristics with visitors to our Website. TikTok and other third parties may use cookies, web beacons, and other storage technologies to collect information from the Website and from other Internet websites, and use that information for the purposes of targeting ads and providing measurement services. TikTok may track your activity over time and across websites. For more information about the data TikTok collects, please visit TikTok’s Privacy Policy. For specific information about TikTok Pixel, please visit its help article.
Fathom Analytics. We may use Fathom Analytics to provide privacy-focused analytics services about interactions with our Website. For more information about Fathom and the information it collects, please visit Fathom’s Privacy Policy.
Hotjar. We may also use session replay analytics services provided by Hotjar. These services may allow us to record and/or display interaction with the Services, which allows us to improve them. By using our Services, you expressly acknowledge and consent to our use of this functionality. For more information about how Hotjar uses your personal information, please visit the Hotjar Privacy Policy.
AppsFlyer. AppsFlyer is a mobile marketing platform that handles your personal data in accordance with our instructions. By using AppsFlyer and its integrated partners to promote the Services, we are able to reach you and people like you on various platforms for marketing purposes. For more information about how we or AppsFlyer may use this information, please visit AppsFlyer's Privacy Policy.
Microsoft Clarity. We improve our products and website by using Microsoft Clarity to see how you use our website. By using our site, you agree that we and Microsoft can collect and use this data. We partner with Microsoft Clarity to capture how you use and interact with our website through behavioral metrics, heatmaps, and session replay to improve and market our products/services. Website usage data may be captured using first and third-party cookies and other tracking technologies to determine the popularity of products/services and online activity. Additionally, we may use this information for site optimization, fraud/security purposes, and advertising. For more information about how Microsoft collects and uses your data, visit the Microsoft Privacy Statement.
Impact. We use Impact for partnership management and to better market our Services to you. The data provided to Impact may include internet protocol addresses, your status as a paid subscriber to our Services, a verified phone number proxy, account or membership numbers, and/or your contact information. For more information, visit Impact’s Privacy Policy.
Financial Integration Tools. We use several providers to, directly or indirectly, enable you to provide us with relevant information about you and your finances and/or to interpret that information in order to provide you with the Services, including:
Array. We provide some of your personal information to Array US, Inc. ("Array") in order to provide the Services related to or involving your credit score and credit history. For more information on Array's privacy practices, please visit Array's Privacy Policy.
Pave. We provide Trove Information Technologies, Inc. dba Pave ("Pave") with some of your personal information, including external account transaction history, in order to, among other things, better interpret and identify your transaction patterns. Please visit Pave's Privacy Policy for more details.
Plaid. Plaid is a service that allows you to connect your financial accounts to Mine so that you can use our Services. When you link Plaid to your bank, Plaid encrypts your bank information (such as your account balances and routing number, if you have enabled auto-pay) and shares it with Mine so that we can provide the Services. Mine never receives your bank log-in information. By using our Services, Plaid may collect, use, store, and disclose information about you in accordance with Plaid’s Privacy Policy. By granting us access to your external connected bank account(s), you authorize Mine to use your external account(s) and your transaction history in connection with the provision of the Services, including, without limitation, to facilitate Mine in its determination of your eligibility for any of the Membership services (including the line of credit offered by our partner bank and accessed through the Mine Card) and to offer you promotional or discounted pricing.
Communications and Customer Support. We use several providers to directly or indirectly communicate with you about us and our Services. These providers are set forth below.
Intercom. We provide some of your personal information (such as sign-up date, your name, and email address) to Intercom, Inc. (“Intercom”), which we use as a medium for communications, either through email, or through messages within our Services. For more information on the privacy practices of Intercom, please visit Intercom’s Privacy Policy. Additionally, we may utilize Intercom to collect data for analytics purposes when you visit our website or use our product. For more information on Intercom's use of cookies, please visit Intercom’s Cookie Policy.
Parahelp. In order to provide you with faster and more reliable in-app customer support, we also provide a limited amount of your personal information to OWND ApS d/b/a Parahelp (“Parahelp”) to respond to routine customer support questions and requests. For more information on the privacy practices of Parahelp, please visit Parahelp’s Privacy Policy.
Customer.io. We use Customer.io to send you information and updates about us or our Services via email, text, or push notifications. In order to do so, we provide Customer.io with your name, contact information, device IDs, and other personal information. For more information, please visit Customer.io’s Privacy Policy.
Pusher. Pusher enables us to deliver timely notifications about the events and actions that occur on our platform regarding your journey and that may require your attention. For more information, please visit Pusher’s Privacy Policy.
Third-Party LLM Data Sharing. To enhance your experience and deliver tailored insights based on the information you share with us, we may, with your consent, share limited personal information with the trusted third-party large language model (LLM) service providers specified below through their enterprise-level APIs (each a “Third-Party LLM”) and other related third parties reasonably necessary in connection with the provision of the related Services (e.g., for purposes of tracing, logging, and cost tracking). These providers help us generate personalized insights and responses, and are contractually bound to maintain the confidentiality and security of your data in accordance with applicable laws and data protection standards. By using any of these features offered by Mine, you acknowledge and agree to take full responsibility for the security and reliability of these Third-Party LLM providers. In doing so, you agree to the privacy policies and other terms of these Third-Party LLM providers. Use-cases may include, but are not limited to, custom insights provided to you in the App or through an artificial intelligence (AI) in-App chatbot feature, which is further described in the “AI Services” section of our Terms of Use. With your permission, including when you make a submission (“Input”) to the chatbot, a response (“Output”) may be generated based on your Input and the relevant information in relation to such Input that you have provided to us or our Service Providers, including the Third-Party LLM providers (the “Content”). To do so, the Input (and, in some instances, the Content) will be transmitted to one or more Third-Party LLM for a generated Output. Any transmission of Content to the Third-Party LLM will only be done in limited circumstances with your prior consent (including when you submit an Input) and will only be used for the purposes of generating Output and improving user experience. When possible, we will attempt to aggregate and/or anonymize any data provided to these providers. These providers are set forth below.
Anthropic. According to Anthropic, as of the date hereof, data sent through their API is kept strictly confidential and is not typically used to train their models. They maintain strict data protection measures to ensure your information remains secure and private. To learn more about how Anthropic ensures that your personal data is handled appropriately and securely, visit Anthropic’s Privacy Policy and Anthropic’s Commercial Terms of Service.
GroqCloud. According to Groq, as of the date hereof, data sent through their API is kept strictly confidential and, by default, Groq does not use any inputs or outputs for training or fine-tuning. To learn more about how Groq ensures that your personal data is handled appropriately and securely, visit Groq’s Services Agreement and Data Processing Addendum. For details on Groq’s privacy practices more generally, visit Groq’s Privacy and Notices page.
OpenAI. According to OpenAI, as of the date hereof, data sent through their API is kept strictly confidential and is not typically used to train their models. OpenAI retains API data for a limited period of time and does not share this data with third parties for marketing purposes. To learn more about how OpenAI ensures that your personal data is handled appropriately and securely, visit OpenAI’s Business Terms and OpenAI’s Data Processing Addendum. For details on all of OpenAI’s enterprise privacy practices more generally, visit Enterprise Privacy at OpenAI.
Verifying Your Identity. By using the Services, you authorize us, directly or through third parties, including One Footprint, Inc. and certain of its third-party service providers, to make any inquiries we consider necessary to validate your identity and to collect information about you in accordance with the Customer Identification Program (CIP) rules implementing Section 326 of the USA PATRIOT Act and our Privacy Policy. This may include asking you for further information that will allow us to reasonably identify you, requiring you to take steps to confirm ownership of your email address or financial instruments, or verifying your information against third party databases or through other sources. We may also ask you for identifying documents to help us validate your identity. We reserve the right to close, suspend, or limit access to your account and/or the Services in the event we are unable to obtain or verify this information. For additional details, visit Footprint's Privacy Policy.
The Services may contain links to, or advertisements concerning, other websites. Other websites may also reference, advertise, or link to Mine. We are not responsible for the privacy practices or the content of such other websites. You should check the applicable privacy policy of any website you access through the Services.
For information about your choices with respect to cookies and other technologies, please refer to Section 8 (Your Rights and Choices) below.
7. Children
Our Services are not designed for use by individuals under the age of 18. If you are under the age of 18, please do not use the Services or submit any information through the Services. If you have reason to believe that a child under the age of 18 has provided personal information to Mine through the Services, please contact us at [email protected], and we will delete that information from our databases to the extent required by law.
8. Your Rights and Choices
Mine is committed to help you exercise your rights regarding your personal information, as set forth below.
8.1 Deletion of Your Information
To close an account that you have created with us, please contact us. Closure or deletion of your account may mean that you lose access to the personal information and data associated with the account. Certain personal information or de-identified information associated with your account may nonetheless remain on systems owned or maintained by us when required to comply with the law, our contractual obligations, or in carrying out our legitimate business functions.
In addition to your choice to close your account, please note that we may also delete your information after a prolonged period of inactivity with respect to our Services. Please see Section 5 (Data Retention) above and Section 9 (U.S. State Privacy Rights) below for more information.
8.2 Communications Preferences
Depending on where you live and your choices about how to engage with us, you may receive marketing communications from us. For individuals in the United States, please follow the instructions below to opt out of marketing communications.
Email. In order to opt-out of email communications, please click the “unsubscribe” link at the bottom of the email or contact us at [email protected].
Text Messages. If you receive an unwanted text message from us, you may opt out of receiving future marketing text messages by following the instructions in the text message you have received, or by otherwise contacting us as set forth in Section 11 (Contact Us) below.
Push Notifications. In connection with certain Services, you may choose to opt in to receiving push notifications. If you no longer want to receive them, you can turn them off at the device level.
Please note that if you opt out of receiving marketing communications, we may still send you informational communications about your account or any Services you have requested, used, or received.
8.3 Cookies and Similar Technologies
We use various tools to collect information when you use our Services, including cookies, pixels, web beacons, advertising identifiers, and other similar technologies. In some cases, these tools are provided by our Service Providers or other third parties. Some of these technologies store information in the browser or on your device. Other technologies may use network-related or other information to recognize your device (e.g., IP address). Our Services use these technologies, for example, when you first request a web page and information is then stored on your computer or other device so the website or app can access information when you make subsequent requests for pages from that Service. These technologies may also be used to collect and store information about your usage of the Services, such as pages you have visited, your search history, and content you have viewed.
You may stop or restrict the placement of some types of cookies and related technologies on your device or remove them by adjusting your preferences as your browser or device permits. You can also consult the “Help” section of your browser for more information (e.g. Internet Explorer, Google Chrome, Mozilla Firefox, or Apple Safari). However, please note that cookie-based opt-outs are typically not effective on mobile applications. You may opt-out of personalized advertisements on some mobile applications by following the instructions for Android, iOS and others.
The online advertising industry additionally provides websites from which you may opt out of receiving targeted ads from data partners and other advertising partners that participate in self-regulatory programs. You can access these and learn more about targeted advertising and consumer choice and privacy by visiting the Network Advertising Initiative, the Digital Advertising Alliance, the European Digital Advertising Alliance, the Your Ad Choices for App tool, and the Digital Advertising Alliance of Canada. Please note you must separately opt out in each browser and on each device.
8.4 Do-Not-Track Controls
Do Not Track (“DNT”) is a privacy preference that users can set in certain web browsers. Please note that we do not respond to or honor DNT signals or similar mechanisms transmitted by web browser, as the Internet industry is currently still working toward defining exactly what DNT means, what it means to comply with DNT, and developing a common approach to responding to DNT. To learn more about Do Not Track, you can do so here.
9. U.S. State Privacy Rights
If you reside in certain U.S. states such as California, Colorado, Connecticut, Delaware, Iowa, Maryland, Minnesota, Montana, Nebraska, New Hampshire, New Jersey, Oregon, Tennessee, Texas, Utah, and Virginia, you may have certain rights afforded to you (as described below) depending on your state of residence. Please see the “Exercising Your Rights under U.S. State Privacy Laws” section below for instructions regarding how to exercise these rights. Please note that we may process personal data of our customers' end users or employees in connection with our provision of certain services to our customers. If we are processing your personal data as a service provider, you should contact the entity that collected your personal data in the first instance to address your rights with respect to such data. Additionally, please note that these rights are subject to certain conditions and exceptions under applicable law, which may permit or require us to deny your request.
If there are any conflicts between this section and any other provision of this Privacy Policy, the portion that is more protective of personal data shall control to the extent of such conflict. If you have any questions about this section or whether any of the following rights apply to you, please contact us at [email protected].
Access. You may have the right to request confirmation of or access to the personal data that we process about you. You can also request access to a portable copy of your personal data. If you are a Minnesota or Oregon resident, you also have the right to request a list of specific third parties, other than natural persons, to which we have disclosed your personal data.
Deletion. You may have the right to request that we delete personal data that we have collected about you.
Correction. You may have the right to request that we correct any inaccurate personal data we have collected about you.
Portability. You may have the right to request a copy of your personal data in a machine-readable format, to the extent technically feasible.
“Selling,” “Sharing,” or “Targeted Advertising”
As described above, we have incorporated cookies from certain third parties into our Services. Some of these cookies may allow our advertising partners to receive your device/IP data and web analytics data for targeted advertising purposes. As permitted by law, we may also disclose your profile data or demographic data to advertising partners separate from cookies for targeted advertising purposes. Depending on your state of residence, this may constitute “selling,” “sharing,” or “targeted advertising". You can opt out from these activities by submitting a request by following the instructions in the “Exercising Your Rights under U.S. State Privacy Laws” section below.
Please note that we do not sell personal data for monetary consideration.
Processing of Sensitive Personal Data
As part of the Services, you have the option to upload (directly or by linking a financial account) personal data that may be deemed “sensitive” under certain U.S. State Privacy Laws (“Sensitive Personal Data”). Additionally, we may reach out to you to authorize us to collect your Sensitive Personal Data in connection with the Services. The categories of Sensitive Personal Data we collect and our purposes for collecting such Sensitive Personal Data are described above.
Depending on your state of residence, you may either have the right to opt-in, the right to opt-out, or if you are a California resident, the right to limit our use of your Sensitive Personal Data to permitted purposes, by following the instructions in the “Exercising Your Rights under U.S. State Privacy Laws” section. If you are a California resident, please note our use and disclosure of Sensitive Personal Data are limited to the purposes set forth in section 7027(m) of the CCPA regulations, including: 1) performing the services or providing the goods reasonably expected, 2) preventing, detecting, and investigating security incidents, 3) resisting malicious, deceptive, fraudulent, or illegal actions, 4) performing services on behalf of the business, 5) verifying or maintaining quality or safety of a product or service, and 6) collecting or processing Sensitive Personal Data but not for the purpose of inferring characteristics. Therefore, we do not offer a way for you to submit such a request.
Anti-Discrimination
We will not discriminate against you for exercising your rights under applicable U.S. State Privacy Laws. We will not deny you our goods or services, charge you different prices or rates, or provide you a lower quality of goods and services if you exercise your rights under applicable U.S. State Privacy Laws. However, we may offer different tiers of our Services as allowed by applicable U.S. State Privacy Laws with varying prices, rates or levels of quality of the goods or services you receive related to the value of personal data that we receive from you.
Our Financial Incentive Program
We may offer our customers a referral program (the “Referral Program”) that provides certain rewards or incentives. From time to time, we may also provide other programs such as contests, discounted rates, or other similar promotional campaigns (collectively, the “Programs”). When you sign up for one of these Programs, you may be asked to provide certain personal data such as your name and email address, and for our Referral Program, also the name and contact information of your referee. Because our Programs involve the collection of personal data and offering of certain benefits, they may be interpreted as a “financial incentive” program under the CCPA. The value of your personal data to us is related to the value of the rewards, incentives, or other benefits that you obtain or that are provided as part of the applicable Program, less the expense related to offering those products, services, and benefits to Program participants.
You can withdraw from participating in a Program at any time by contacting us at [email protected].
Other State-Specific Privacy Rights
Under California Civil Code Sections 1798.83-1798.84, California residents are entitled to contact us to prevent disclosure of personal data to third parties for such third parties’ direct marketing purposes; in order to submit such a request, please contact us at [email protected].
If you are a resident of Nevada, you have the right to opt-out of the sale of certain personal data to third parties. Please note that we do not currently sell your personal data as sales are defined in Nevada Revised Statutes Chapter 603A.
Exercising Your Rights under U.S. State Privacy Laws
To exercise the rights described above, you or your Authorized Agent (if applicable and as defined below) must send us a request by email at [email protected] with the subject line “Privacy Rights Request – [STATE OF RESIDENCE]” that (i) provides sufficient information to allow us to verify that you are the person about whom we have collected personal data, and (ii) describes your request in sufficient detail to allow us to understand, evaluate and respond to it. Each request that meets both of these criteria will be considered a “Valid Request.” We may not respond to requests that do not meet these criteria.
We will work to respond to your Valid Request within the time period required by applicable privacy laws. We will not charge you a fee for making a Valid Request unless your Valid Request(s) is excessive, repetitive or manifestly unfounded. If we determine that your Valid Request warrants a fee, we will notify you of the fee and explain that decision before completing such Valid Request.
Opt-Out of Sale, Share, and/or Targeted Advertising
As applicable, you may opt-out from any “sales,” “shares,” or targeted advertising by using the following methods:
By submitting an opt-out request with the subject line "Do Not Sell or Share My Personal Information - “[STATE OF RESIDENCE]" via email to [email protected].
By implementing the Global Privacy Control or similar universal privacy control that is legally recognized by a government agency or industry standard and that complies with applicable U.S. State Privacy Laws. The signal issued by the control must be initiated by your browser and applies to the specific device and browser you use at the time you cast the signal. Please note this does not include Do Not Track signals.
Opt-Out from the Processing of Sensitive Personal Data
You may withdraw your consent or opt-out from our processing of your Sensitive Personal Data depending on the applicable U.S. State Privacy Laws. You can do so by emailing us at: [email protected].
Other Valid Requests
You may submit a Valid Request for any other rights afforded to you under U.S. State Privacy Laws using the following methods:
You can delete your account within your account settings.
Email us at: [email protected].
If you are a California, Colorado, Connecticut, Delaware, Maryland, Minnesota, Montana, Nebraska, New Hampshire, New Jersey, Oregon, or Texas resident, you may also authorize an agent (an “Authorized Agent”) to exercise your rights on your behalf. To do this, you must provide your Authorized Agent with written permission to exercise your rights on your behalf, and we may request a copy of this written permission from your Authorized Agent when they make a Valid Request on your behalf.
Appealing a Denial
If you are a Colorado, Connecticut, Delaware, Iowa, Maryland, Minnesota, Montana, Nebraska, New Hampshire, New Jersey, Oregon, Tennessee, Texas, or Virginia resident and we refuse to take action on your Valid Request within a reasonable period of time after receipt in accordance with this section, you may appeal our decision. In such appeal, you must (i) provide sufficient information to allow us to verify that you are the person about whom the original Valid Request pertains and to identify the original Valid Request, and (ii) provide a description of the basis of your appeal. Please note that your appeal will be subject to your rights and obligations afforded to you under the State Privacy Laws (as applicable). We will respond to your appeal within the time period required under the applicable law. You can submit a Valid Request to appeal by emailing us at: [email protected] (subject line must include: “[STATE OF RESIDENCE] Appeal”).
If we deny your appeal, you have the right to contact the Attorney General of your State, including by the following links: Colorado, Connecticut, Delaware, Iowa, Maryland, Minnesota, Montana, Nebraska, New Hampshire, New Jersey, Oregon, Tennessee, Texas, and Virginia.
10. Changes to this Privacy Policy
Mine reserves the right to update or modify this Privacy Policy periodically and at any time. If you disagree with our revisions to the Privacy Policy, you can deactivate your account or discontinue the use of our Services. Please review this Privacy Policy periodically for any updates or changes to this Privacy Policy.
By using our Services after any such update or modification, you acknowledge that you have read and understood the terms of the Policy as updated or modified.
11. Contact Us
Please contact us if you have any questions about this Privacy Policy or the information practices of the Services.
You can contact us as follows:
By Mail: Mine, 50 W 23rd Street, Floor 10, New York, NY 10010
By e-mail: [email protected] or [email protected]