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Our Privacy Policy

My Digital Money (“My Digital Money,” “MDM,” “we,” “us,” or “our”) respects your privacy and is committed to protecting your personal information. This Privacy Policy describes how we collect, use, disclose, and protect information about you when you visit our website, create or maintain an account, use our products or services, communicate with us, or otherwise interact with My Digital Money (collectively, the “Services”).

Terms and Conditions: https://www.mydigitalmoney.com/terms-and-conditions/

INFORMATION WE COLLECT AND HOW WE USE IT

We may collect, transmit, and store information about you in connection with your use of the Services, including information you provide directly to us and information collected automatically when you interact with our website or Services. We may use this information to provide and operate our Services, fulfill requests and transactions, communicate with you, provide customer support, improve and personalize the Services, maintain security, prevent fraud, comply with legal and regulatory obligations, and market our products and services where permitted by law.

1. Account and Contact Information

When you create an account, request information, complete a form, or otherwise interact with MDM, we may collect:

  • First and last name
  • Email address
  • Telephone or mobile number
  • Mailing or physical address and ZIP code
  • Date of birth
  • Account and transaction information
  • Information required to verify your identity
  • Other information you choose to provide

We use this information to establish and administer your account, provide our Services, communicate with you, verify your identity, process requests and transactions, and comply with applicable legal and regulatory requirements.

2. Communications

We may communicate with you by telephone, email, text message, or other communication channels, subject to applicable law, your consent where required, and your communication preferences. Communications may include administrative, transactional, security, customer-service, legally required, and, where you have provided appropriate consent, marketing or promotional communications.

We may maintain records of communications and your interactions with them. Telephone calls may be monitored or recorded for quality assurance, training, security, compliance, or other lawful business purposes, subject to applicable law. Additional communication terms are contained in our Terms and Conditions.

3. SMS AND TEXT MESSAGING

If you provide your mobile telephone number and consent to receive SMS or text messages from My Digital Money, we may collect and maintain your mobile number, associated contact information, records of consent, messaging preferences, delivery and response information, opt-in and opt-out information, and information you provide through text-message communications.

We may use this information to send messages you have agreed to receive, including account-related information, transaction information, customer-service communications, requested information, reminders, and marketing or promotional communications where you have consented to receive them.

We do not sell or share your SMS opt-in data or personal information with third parties for marketing purposes.

Mobile information, including your mobile telephone number and SMS opt-in consent, will not be shared with third parties or affiliates for their own marketing or promotional purposes.

We may disclose mobile information to vendors and service providers that assist us in providing messaging services, such as telecommunications providers, SMS platform providers, and technology vendors, solely as necessary for them to provide services on our behalf. We may also disclose information when required by law.

These SMS-specific restrictions apply notwithstanding anything else in this Privacy Policy or our Terms and Conditions concerning the disclosure or sharing of personal information.

Message frequency may vary. Message and data rates may apply.

You may opt out at any time by replying STOP to a message. After opting out, you may receive a confirmation message. For assistance, reply HELP or call 833-636-2008. Consent to receive marketing SMS messages is not a condition of purchasing or using My Digital Money’s products or services.

SMS Terms: https://www.mydigitalmoney.com/terms-and-conditions/

4. Transaction Information

If you initiate or complete a transaction through the Services, we may collect information associated with that transaction, including your name, contact information, account information, transaction details, payment information, and other information necessary to process and administer the transaction. We may disclose transaction information to custodians, financial institutions, payment processors, technology providers, service providers, or other parties when reasonably necessary to process a transaction, provide requested Services, prevent fraud, or satisfy legal or regulatory obligations. This does not override the SMS-specific restrictions above.

5. Website and Usage Information

We may automatically collect information about use of our website and Services, including pages viewed, date and time of visits, browser and device type, operating system, IP address, referring and destination URLs, device or advertising identifiers, mobile carrier information, approximate location information, and other information regarding interactions with the Services. We use this information to operate and improve the Services, understand usage, maintain security, detect fraud, troubleshoot, analyze performance, and improve user experience.

6. Information Across Devices

You may access our Services using different devices and platforms. Information collected through your different interactions with MDM may be combined or associated with your account where appropriate.

7. Legal Basis for Processing for Certain International Users

Where applicable law requires us to identify a legal basis for processing personal information, the basis will depend on the information and context. We may process personal information with your consent, to perform a contract, comply with a legal obligation, protect vital interests, or pursue legitimate business interests that are not overridden by applicable privacy rights.

COOKIES AND SIMILAR TECHNOLOGIES

We and service providers acting on our behalf may use cookies, web beacons, pixels, tags, scripts, advertising identifiers, and similar technologies (“Cookies”) in connection with our website and Services. We may use Cookies for essential operations, authentication and security, preferences, analytics, and advertising or marketing where permitted by law. You may be able to control certain Cookies through your browser or device settings; disabling them may affect functionality.

HOW WE DISCLOSE INFORMATION

1. Service Providers

We may disclose information to service providers that assist with hosting, communications, cybersecurity, fraud prevention, customer support, analytics, payment processing, compliance, marketing, and technical services, to the extent reasonably necessary for them to perform services on our behalf. Mobile telephone numbers and SMS opt-in and consent information are not shared with third parties or affiliates for their own marketing or promotional purposes.

2. Advertising and Analytics Providers

We may work with advertising and analytics providers to understand use of our Services, measure advertising effectiveness, and conduct marketing activities. SMS opt-in information and consent are not provided to advertising or marketing partners for their own marketing or promotional purposes.

3. Aggregate or De-Identified Information

We may disclose information that has been aggregated or de-identified so that it does not reasonably identify you, subject to applicable law.

4. Affiliates and Business Transfers

We may disclose information to entities under common ownership or control where necessary for legitimate business purposes and consistent with this Privacy Policy. Information may also transfer in a merger, acquisition, financing, reorganization, bankruptcy, sale of assets, or similar transaction, subject to applicable law. These provisions do not permit SMS opt-in consent to be transferred to another business for that business’s independent marketing or promotional messages.

5. Legal, Regulatory, Security, and Fraud Prevention

We may disclose information when reasonably necessary to comply with law or regulation, respond to lawful governmental requests, satisfy regulatory or compliance requirements, detect or prevent fraud or security incidents, enforce agreements or protect legal rights, or protect the safety, rights, or property of MDM, our customers, or others.

6. Third-Party Links

Our Services may contain links to third-party websites or services. MDM is not responsible for their privacy practices, and we encourage you to review their privacy policies.

DATA RETENTION

We retain personal information for as long as reasonably necessary to provide our Services, administer accounts and transactions, comply with legal and regulatory requirements, resolve disputes, enforce agreements, prevent fraud, and fulfill the purposes described in this Privacy Policy. We may retain information where required or permitted by law and may maintain residual copies in backup systems for a limited period.

SECURITY

We maintain administrative, technical, and physical safeguards designed to protect personal information against unauthorized access, use, alteration, loss, or disclosure. No method of electronic transmission or storage is completely secure, so we cannot guarantee absolute security.

YOUR COMMUNICATION CHOICES

You may unsubscribe from marketing emails using the unsubscribe instructions in those communications. You may opt out of SMS messages by replying STOP. For SMS assistance, reply HELP or call 833-636-2008. Certain account, transaction, security, legal, or administrative communications may be necessary to provide our Services and may not be subject to marketing preferences.

CHILDREN

Our Services are not intended for individuals under 18, and individuals under 18 are not permitted to independently use our Services. We do not knowingly collect personal information from children under 18 through our Services. If we learn that such information was collected in circumstances prohibited by law, we will take appropriate steps to delete it.

CALIFORNIA PRIVACY RIGHTS

California residents may have rights under the California Consumer Privacy Act, as amended by the California Privacy Rights Act (“CCPA/CPRA”), and other applicable California privacy laws. Subject to applicable exceptions, these may include rights to know, access, correct, delete, and opt out of certain sales or sharing of personal information, and to exercise applicable rights without unlawful discrimination.

My Digital Money does not sell personal information in exchange for monetary consideration. To submit a California privacy request or ask questions about your privacy rights, contact dataprotection@mydigitalmoney.com. We may need to verify your identity before processing certain requests.

Regardless of other provisions of this Privacy Policy, mobile telephone numbers and SMS opt-in and consent information are not sold or shared with third parties or affiliates for their marketing or promotional purposes.

CONTACT INFORMATION

My Digital Money
Attn: Data Privacy Manager
1 South Fair Oaks, Suite 200
Pasadena, California 91105

Email: dataprotection@mydigitalmoney.com
Phone: 833-636-2008

We may take reasonable steps to verify your identity before responding to requests involving personal information.

MODIFICATIONS TO THIS PRIVACY POLICY

We may update this Privacy Policy from time to time to reflect changes to our practices, Services, technology, legal requirements, or other factors. When we make material changes, we will provide notice as required by applicable law. The effective date above indicates when the current version became effective.