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Privacy Policy

WisePal (Address: 317 George Street, New Brunswick, New Jersey, 08901, USA) is committed to maintaining the privacy of its users (“you”, “user”). The following information describes how WisePal collects and processes information about you when you use our Platform and Website (as defined below).

Our Privacy Policy explains:

  • What information we collect and why we collect it.
  • How we use that information.
  • How we secure your information.
  • Your rights with regard to the collection of such information.

General

Platform provides a platform that assists users to reduce their monthly bills (“Services”). The Platform enables its users to analyze their expenses in light of the insightful information provided to them via the Platform. WisePal’s website at WisePal.com (“Website”) is designed to provide essential information on the Platform and Services to current and potential users and to enable users to contact WisePal regarding the Services and to log-in to use the Platform. 

Device

Users can access the Platform and Website through various Devices. A “Device” is any digital device used to access the Platform and Website, including without limitation a desktop, laptop, mobile phone, tablet, or other consumer electronic device. This Privacy Policy governs your access of the Platform and Website, regardless of how you access them, and by using our Platform and Website you consent to the collection, transfer, processing, storage, disclosure and other uses described in this Privacy Policy.

Collecting Information

Please note that the scope of this Privacy Policy is limited only to information collected by WisePal through your use of its Platform and Website. Some information may be automatically collected, and some is collected when you interact with our Platform and Website. The type of information that may be automatically collected is non-personal information, which includes your session durations, the content you accessed on the Platform and Website, information about your Device and your internet connection and the frequency and scope of your use of the Platform and Website. 

Information from which you can be personally identified may also be collected, including but not limited to your name, email address and email token (hereinafter: “Personal Information”). 

Use of Information 

Personal Information will be collected on each user according to their use of the Platform and Website, for the purposes described below:

a. Setting-Up an Account

When you wish to register to our Platform and use the Services, you will be required to register and open a user account (“Account”). Personal Information provided by you during registration and creation of your Account will include your email address and email token.

b. Log-In to the Platform

If you wish to log-in to your Account to use the Platform via the Website, we will use a Single Sign-On account (“SSO”) such as Yahoo, Google or other email accounts. Signing in via the SSO will provide us with access to information these SSO services obtain about you, and all in accordance with your specific email account’s privacy settings. 

c. Using the Platform and the Services

When you use our Platform and Services, we will process Personal Information to analyze and compare your monthly bills terms and conditions to the terms and conditions of similar monthly bills of similar characteristics offered by third parties in the market, and provide you with efficient insights. To do that, TheGoogle API Services User Data Policy will interact your e-mail account using Google APIs, Yahoo Mail Web Service API, Microsoft Graph API or, if you own an email account with another operator, the applicable operator’s API. TheAdditional Requirements for Restricted Scopes.

When you use the Services we will solicit your consent to connect your Google, Yahoo or Microsoft account (or any other email account) to the Platform (using among other means Google’s OAuth authentication method), thereby providing us with read-only access to your email account information. This permission will be used only to access relevant email content and attachments concerning your monthly bills. 

d. Analyzing your Information to Offer you with Personalized Services

We strive to provide our users with the most personalized Services which meet their specific needs per their request. In order to do that, the analysis we conduct considers personal characteristics, such as our users’ place of residence, age, marital status etc., to make the Services relevant to our users. 

e. Payment Processors

When you are provided with the Services, we will collect your payment information via a third party payment processor to enable you to make payments via the Platform. Such third party payment processor will assure that your payment information is secured in accordance with the highest industry security standard. 

f. Contact Us

If you wish to contact us via the Platform or Website, you will be able to do so via a digital form or an email message. We will collect the information transmitted via the digital form or email message, as applicable, to assure sufficient provision of the Services. 

Disclosure of Information and Transfer of Data 

Except as otherwise provided in this Privacy Policy, we reasonably attempt to ensure that we never intentionally disclose any of your Personal Information, to any third party without having received your permission, except as provided for herein or otherwise as permitted or required under law.

We may share your Personal Information with our affiliates, subsidiaries or third party companies and agents to provide you with better product quotes as part of our Services or as required to facilitate any portion of the Services. It is important to note that WisePal is not a data broker and its scope of Services do not entail selling your Personal Information. As mentioned above, we will share your Personal Information with third party payment processors who will process your payment details in accordance with the highest data security standard. We may also share your information with the following analytics service providers, Google Analytics and Hotjar, for analytics purposes. Such analytics service providers set their own cookies or other identifiers on your Device, through which they can collect information about your usage of our Platform and Website. This helps us to compile aggregated statistics about the effectiveness of our Platform, Website and Services. 

The above mentioned third parties may be located in countries other than your own, and we may send them information we receive. When such third parties process your Personal Information on our behalf, we will assure that they comply with obligations similar to those which are set forth in this Privacy Policy. We will also assure that they will abide by our data privacy and security requirements, and will be allowed to use the Personal Information solely for the purposes we set. We will transfer your Personal Information while using appropriate and suitable safeguards, while using a variety of legal mechanisms, including contracts, to ensure your rights and protections travel with your data. 

We may also transfer your information, including Personal Information, in connection with a corporate merger, consolidation, the sale of related assets or corporate division or other fundamental corporate changes. Furthermore, information about you may also be released in order to comply with any valid legal inquiry or process such as a search warrant, subpoena, statute or court order. We will also release specific information in special cases, such as if you use the Platform or Website to perform an unlawful act or omission or take any act or omission that may damage WisePal, its property and goodwill, or if there is an attempted breach of the security of the Platform or Website or a physical or property threat to you or others. 

Your Rights

Under some circumstances you may be afforded with the following rights:

  1. Request information about the collection of Personal Information by us;
  2. Request access to applicable Personal Information.
  3. Request the rectification of the Personal Information we obtain about you, if such is required.
  4. Request the erasure of applicable Personal Information under certain circumstances. If

If you wish to file a request regarding any of the above, you may contact us at: contact@WisePal.com.

Cookies

We may use “cookies” and/or other technologies or files (collectively, “cookies”) to identify how users make use of our Platform and Website. This aggregated tracking information may be used to help us improve and enhance the Website and Platform’s experience for all of our users. In addition, cookies are used for adjusting the Platform and Website to your personal preferences. Cookies contain information such as the pages you visited, the length of time you stayed on the Platform and Website, the location from which you accessed the Platform and Website and more. If you would prefer not to have cookies stored on your Device, you may modify your browser settings to reject most cookies, or manually remove cookies that have been placed on your Device. However, by rejecting the cookies, you may be unable to fully access the offerings on our Platform and Website. To find out more about cookies, visit www.allaboutcookies.org.

Opt In or Opt Out

You are always in control of your data, and if you choose to receive information from us, or others, you can change your mind later. If, at any time, you would like to stop receiving such information or opt out of a feature, you may notify us by writing to contact@WisePal.com. You should be aware, however, that it is not always possible to completely remove or modify information in our databases and servers, although we will always make reasonable efforts to do so upon your request. 

Links to Other Websites

This Platform may provide links to other websites. Please be aware that these other websites are not covered by our Privacy Policy. This Privacy Policy does not cover the information practices exercised by other providers of products or services, advertisers or other websites, companies or individuals, which are not owned or controlled by WisePal. We suggest that when linking to another website, you always read that website’s privacy policy before volunteering any personally identifiable information. 

Data Security

We deploy industry standard, or better measures to ensure the security, confidentiality, integrity and availability of Personal Information we process. We maintain physical, technical and administrative safeguards, and test and update these periodically. We endeavor to restrict access to Personal Information on a ‘need to know’ basis for the provision of Services to you. In the event of a security breach, we will take all reasonable action to minimize any harm, including with regard to notifications. Although we will do our best to protect Personal Information, we cannot guarantee the security of data transmitted to our Platform and Website, and transmission is at the users own risk.

Data Retention 

Generally, WisePal does not retain information longer than necessary to provide its Services and for its reasonable business and lawful needs. If you withdraw your consent to us processing your Personal Information, we will erase your Personal Information from our systems, unless the information is required for WisePal to establish, exercise or defend against legal claims or it is necessary for the performance of the requested Services.

California Online Privacy Protection Act

CalOPPA requires commercial websites and online services to post a privacy policy. The law’s reach stretches well beyond California to require any person or company in the United States (and conceivably the world) that operates websites collecting personally identifiable information from California consumers, to post a conspicuous privacy policy on its website stating exactly the information being collected and those individuals or companies with whom it is being shared. See more at: http://consumercal.org/california-online-privacy-protection-act-caloppa/#sthash.0FdRbT51.dpuf. 

According to CalOPPA, we agree to the following:

  • Once this Privacy Policy is created, we will add a link to it on the first significant page after entering our Platform.
  • Our Privacy Policy link includes the word ‘Privacy’ and can easily be found on the Platform. 
  • You can request to change your Personal Information by emailing us.

California Privacy Rights

The California Consumer Privacy Act of 2018 (“CCPA”) permits users who are California residents to request to exercise certain rights. If you are a California resident, the CCPA grants you the right to request certain information about our practices with respect to your Personal Information. In particular, you can request to receive information on the following:

  • The categories and specific pieces of your Personal Information that we have collected.
  • The categories of sources from which we collected your Personal Information.
  • The business or commercial purposes for which we collected your Personal Information.
  • The categories of third parties with which we shared your Personal Information.

You can be rest assured that we do not sell your Personal Information. If you choose to exercise your rights, we will not charge you different prices or provide different quality of our Services, unless those differences are related to your provision of your Personal Information.

Please note that you must verify your identity and request before further action is taken. As a part of this process, government identification may be required. Moreover, you may designate an authorized agent to make a request on your behalf. 

We endeavor to respond to a verifiable consumer request within 45 days of its receipt. If we require more time (up to 90 days), we will inform you of the reason and extension period in writing. Any disclosures we provide, will only cover the 12 month period preceding your verifiable request’s receipt. If, for some reason, we cannot reply within such time frame, our response will include an explanation for our inability to comply. If you wish to exercise your CCPA rights, please contact us at: contact@WisePal.com.

We will not discriminate against you for exercising any of your CCPA rights. Unless permitted by the CCPA, we will not:

  1. Deny you goods or services.
  2. Charge you different prices or rates for goods or services, including through granting discounts or other benefits, or imposing penalties.
  3. Provide you with a different level or quality of goods or services.
  4. Suggest that you may receive a different price or rate for goods or services or a different level or quality of goods or services.

CAN SPAM Act

The CAN-SPAM Act is a Federal US law that sets the rules for commercial email, establishes requirements for commercial messages, gives recipients the right to have emails stopped from being sent to them, and spells out tough penalties for violations.

To be in accordance with CANSPAM, we agree to the following:

  • Not use false or misleading subjects or email addresses.
  • Identify the commercial message sent to you as an advertisement when required. 
  • Include the physical address of our business or site headquarters.
  • Monitor third-party email marketing services for compliance, if one is used.
  • Honor opt-out/unsubscribe requests quickly.
  • Allow users to unsubscribe by using the link at the bottom of each email.

If at any time you would like to unsubscribe from receiving future emails, you can email us at contact@WisePal.com and we will promptly remove you from ALL correspondence.

Children’s Privacy

The Platform is not intended for children under the age of 18. We do not, knowingly or intentionally, collect information about children who are under 18 years of age. 

IF YOU ARE UNDER THE AGE OF 18 YOU MAY NOT USE THE PLATFORM, UNLESS PARENTAL CONSENT IS PROVIDED ACCORDINGLY

Questions Regarding Our Privacy Policy

If you have any questions regarding this Privacy Policy or the practices described above, you are always welcome to contact us at contact@WisePal.com.

Revisions and Modifications to our Privacy Policy

We reserve the right to revise, amend, or modify this Privacy Policy at any time. When changing the policy, we will update this posting accordingly. Please review this Privacy Policy often so that you will remain updated regarding our current policies.

Governing Law and Jurisdiction

This Privacy Policy will be governed and interpreted pursuant to the laws of the State of Delaware without giving effect to its choice of law rules. You expressly agree that the exclusive jurisdiction for any claim or action arising out of or relating to this Privacy Policy shall be to the competent courts in the State of Delaware, to the exclusion of any other jurisdiction.

This page was updated on December 2021.