Personal information we collect

Information you provide to us. Personal information you may provide to us through the Service or otherwise includes: Contact data, such as your first and last name, email address, billing and mailing addresses, and phone number. Government identifiers, such as national identification number (e.g. Social Security Number, tax identification number, passport number), state or local identification number (e.g., driver’s license or state ID number), and an image of the relevant identification card. Profile data, such as the username, account number and password for your Medpenny account, date of birth, gender, education, employment details, biographical details, US residency/citizenship status, income, net worth, preferences, investment goals, financial experience, information about your participation in our surveys, and any other information that you add to your account profile. Billing data, such as the payment card or bank account numbers that you use to make payments or transfers through the Service. Financial data, such as information about your investment and financial history and interests that you provide through the Service and the information you authorize us to collect from the financial accounts that you connect to the Service. Data about others, such as the personal information of any children or others that you provide when opening investment accounts through the Service on their behalf. We also offer features that help users invite their friends or contacts to use the Service, and we may collect contact details about these invitees so we can deliver their invitations. Please do not refer someone to us or share their contact details with us unless you have their permission to do so. Transactional data, such as information relating to or needed to complete your orders on or through the Service, including transaction history and information about your investments. Communications that we exchange with you, including when you contact us with questions or feedback, through the Service (including chat and other interactive features), social media, survey participation, or otherwise. Marketing data, such as data you provide when participating in our promotions or in response to our ads or marketing messages. We may also collect personal information not specifically listed above, which we will use as described in this Privacy Policy or as otherwise disclosed at the time of collection.

Third-party Sources

We may combine personal information we receive from you with personal information we obtain from other sources, such as: Your financial accounts, such as your bank, credit card and brokerage accounts, when you authorize us to collect your information from them. Public sources, such as government agencies, public records, social media platforms, and other publicly available sources. Data providers, such as information services and data licensors that provide demographic and other information. Our affiliate brand partners, such as the companies that participate in our Medpenny Earn program or other promotional programs who share with us information about your use or purchases of their products and services so we can credit your Medpenny account with your earned rewards. You can learn more about Medpenny Earn here: https://www.Medpenny.com/earn/. Marketing partners, such as joint marketing partners and event co-sponsors. Automatic data collection. We, our service providers, and our business partners may automatically log information about you, your computer or mobile device, and your interaction over time with the Service, our communications and other online services, such as: Device data, such as your computer’s or mobile device’s operating system type and version, manufacturer and model, browser type, screen resolution, RAM and disk size, CPU usage, device type (e.g., phone, tablet), IP address, unique identifiers (including identifiers used for advertising purposes), language settings, mobile device carrier, radio/network information (e.g., Wi-Fi, Bluetooth, LTE, 3G), and general location information that can be inferred from the foregoing, such as city, state or geographic area. Online activity data, such as pages or screens you viewed, how long you spent on a page or screen, the website you visited before browsing to the Service, navigation paths between pages or screens, information about your activity on a page or screen, access times and duration of access, and whether you have opened or forwarded our emails or clicked links within them. Precise location data when you authorize the Service to access your device’s location. Cookies and other technologies. The Services employ the following technologies, which facilitate some of the automatic collection described above: Cookies, which are files that websites store on a visitor‘s device to uniquely identify the visitor’s browser or to store information or settings in the browser. The Service employs both session cookies that expire when you close your browser and persistent cookies that remain stored on your device. Some of the cookies on our services allow third parties like our service providers and advertising partners to collect data needed for the services they provide to us. The Service employs cookies for the following purposes: Technical operation. To allow the technical operation of the Service, such as by remembering your selections and preferences as you navigate the site, and whether you are logged in when you visit password protected areas of the Service. Functionality. To enhance the performance and functionality of our services. Analytics. To help us understand user activity on the Service, including which pages are most and least visited and how visitors move around the Service, as well as user interactions with our emails. Advertising. To help our third-party advertising partners collect information about how you use the Service and other online services over time, which they use to show you ads on other online services they believe will interest you and measure how the ads perform You can learn about blocking cookies in the Your choices section below. Web beacons, also known as pixel tags or clear GIFs, which are used to demonstrate that a webpage or email address was accessed or opened, or that certain content was viewed or clicked. Local storage technologies, like HTML5, that provide cookie-equivalent functionality but can store larger amounts of data on your device outside of your browser in connection with specific applications. Mobile Application Software Development Kits (SDKs). We may use SDKs in our mobile applications. A SDK is third-party computer code that we or our third party service providers or partners may use for a variety of purposes, including to provide us with analytics regarding the use of our mobile applications, to integrate with social media, add features or functionality to our app, or to facilitate online advertising. Chat technologies. We use chat technologies provided by third-party vendors that employ cookies and software code to operate the chat features you can use to communicate with us through the Service. We and such third-party vendors may monitor, record and use information about webpages visited on our website, your IP address, your general geographic information (e.g., city, state), and other information you share through online chats for the purposes described in this Privacy Policy.