Privacy Policy
Effective October 28, 2024
At We Can Save, we take your privacy seriously. Please read this Privacy Policy to learn how we treat your personal data. By using or accessing our Services in any manner, you acknowledge that you accept the practices and policies outlined below, and you hereby consent that we will collect, use, and share your information as described in this Privacy Policy.
Remember that your use of We Can Save's Services is at all times subject to our Terms of Use, which incorporates this Privacy Policy. Any terms we use in this Policy without defining them have the definitions given to them in the Terms of Use.
If you have a disability, you may access this Privacy Policy in an alternative format by contacting support@wecansave.org.
Summary of Our Privacy Policy
We know, Privacy Policies are no fun. Here at We Can Save, our goal is to help make managing money less complicated. In the course of providing our Services, we will collect certain information about you which is necessary for us to best achieve that goal. Our intent is to only collect the information we need to best serve you. You'll note that there may be references to “selling” and “sharing” in this Privacy Policy. Please note that those definitions are only used as they relate to certain online advertising activities related to our use of Cookies on our website (certain privacy laws define terms like “selling” and “sharing” very broadly). We will never sell your financial data.
What This Privacy Policy Covers
This Privacy Policy covers how we treat Personal Data that we gather when you access or use our Services. “Personal Data” means any information that identifies or relates to a particular individual and also includes information referred to as “personally identifiable information” or “personal information” under applicable data privacy laws. This Privacy Policy does not cover the practices of companies we don't own or control or people we don't manage.
Categories of Personal Data We Collect
| Category of Personal Data | Examples | Purpose of Collection | Shared With |
|---|---|---|---|
| Profile or Contact Data | First and last name, email, login info | Providing and improving the Services; marketing; correspondence | Service Providers; Parties You Authorize |
| Payment Data | Card type, last 4 digits, expiration date, billing address, email, phone | Payment processing; correspondence | Stripe, Apple, Google (App/Play Store) |
| Commercial and Debt-Related Data | Financial transactions, account balances, credit score, debt data | Customizing Services; correspondence | Service Providers; Authorized Parties |
| Device/IP Data | IP address, device ID, server, browser, operating system | Marketing; analytics; improving Services | Service Providers; Advertising Partners |
| Web Analytics | Page views, referral sources, request IDs, interaction stats | Engagement analytics; advertising insights | Service Providers; Advertising Partners |
| Consumer Demographic Data | Age, birthdate, ZIP code | Personalization; communication | Service Providers; Advertising Partners |
| Sensory Data | Photos, videos, recordings (collected with consent) | Marketing and support | Service & Analytics Partners; Authorized Parties |
| Sensitive Personal Information (CCPA-defined) | Health-related financial info, SSN, driver's license, passport | Compliance and verification | Service Providers; Authorized Parties |
| Inferences from Other Personal Data | Behavioral patterns based on usage | Personalization and product improvement | Service Providers; Authorized Parties |
| Voluntarily Provided | Emails, messages, surveys | Customer support; Service improvement | Service Providers; Authorized Parties |
Sources of Personal Data
We collect your Personal Data from the following sources:
- You (via account setup, surveys, support messages, usage)
- Your devices (via cookies, browser interaction, location if enabled)
- Your financial institutions (via integrations with Plaid.com, Bill.com, Stripe.com, etc)
- Third-party vendors (analytics, advertising, AI providers, customer support)
Financial Data Integrations (Plaid)
To provide certain financial services, We Can Save uses third-party services like Plaid Inc. By using our Services, you authorize We Can Save and Plaid to securely access and transmit limited financial data from your connected accounts. We do not store or have direct access to your banking credentials. Instead, authentication is handled via a secure token generated collaboratively by your bank and Plaid. This token is unique to our platform and cannot be used by any third party. It allows us to connect to your financial account only through Plaid.
- Account holder information
- Account balances
- Transaction history
We do not access, store, or process any transfer-related data such as ACH or RTP transactions. We also do not have the ability to transfer funds, move money, or make any changes to your account (e.g., name, credentials, or settings). Our access is strictly limited to reading transaction-level information for the purpose of delivering insights and helping you monitor financial goals within the app. Your information is used in accordance with our Privacy Policy and Plaid’s Privacy Policy. By connecting your financial account, you acknowledge and consent to this limited, read-only use.
Why We Collect Your Personal Data
- To create and manage your account
- To process orders or subscriptions
- To provide support and improve the Services
- To personalize user experience and content
- To conduct analytics and product development
- For fraud prevention and security
- To market or promote the Services
- To comply with legal obligations
How We Share Personal Data
We may share Personal Data with:
- Service Providers: Hosting, support, payment processors, fraud protection, analytics (including OpenAI for AI features)
- Advertising Partners: To deliver relevant ads and marketing
- Analytics Partners: For usage analytics and campaign performance
- Business Partners: When you opt in
- Authorized Third Parties: Parties you explicitly connect to or authenticate
- Legal Authorities: When required by law or for legal protection
- Successors: In a merger, sale, or acquisition
Data Aggregation
We may anonymize or aggregate data for analytics, improvement, and marketing purposes, as long as such data cannot identify you.
Cookies and Tracking
We use cookies and similar technologies including:
- Essential Cookies: Core functionality like login
- Functional Cookies: Save settings and preferences
- Analytical Cookies: Understand usage patterns (e.g., Google Analytics)
- Advertising Cookies: Tailor ads based on your behavior across sites
You can manage cookies via browser settings or using cookie preference tools on our site. Our Services do not currently respond to “Do Not Track” signals.
Interest-Based Advertising
We may work with ad networks to show you targeted ads based on usage data collected via cookies or web beacons. You can opt out using:
- Google Ad Settings
- Google Analytics Opt-Out
Data Security and Retention
We use administrative, technical, and physical safeguards to protect your Personal Data. However, no system is fully secure. Protect your account by using strong passwords and logging out after use.
We retain data only as long as necessary for the purpose collected or as required by law. Some information may be stored longer for dispute resolution, fee collection, or legal compliance.
Children's Privacy
We do not knowingly collect data from children under 18. If you believe a minor has shared information with us, contact support@wecansave.org for deletion.
California Privacy Rights (CCPA)
If you are a California resident, you have the right to:
- Access what personal data we collected in the past 12 months
- Delete your data (with exceptions)
- Correct inaccurate data
- Opt out of the “sale” or “sharing” of data (via cookie tools)
You may exercise these rights via:
- Your account settings
- Emailing us at: support@wecansave.org
We do not discriminate against users who exercise their rights.
Nevada Privacy Rights
Residents of Nevada may opt out of the sale of certain Personal Data by emailing support@wecansave.org with the subject line “Nevada Do Not Sell Request.”
Changes to This Policy
We may revise this Privacy Policy over time. Material updates will be posted on our website or sent via email. Continued use of our Services constitutes acceptance of those changes.
Contact Us
We Can Save
Email: support@wecansave.org
Website: www.wecansave.org
Address: 16060 Ventura Blvd, Unit 110-3021, Encino, CA - 91436