LIQUID Rewards

Privacy Policy

INTRODUCTION 

Liquid Member Inc. is committed to protecting your privacy through compliance with this Privacy Policy (the  Privacy Policy”) This Privacy Policy describes the terms by which Liquid Member Inc. and its affiliates  (collectively, the “Liquid,” the “Company,” “we,” “us” or “our”) collect, use, maintain, protect and disclose  your information, including your personal information, that is collected or provided through our websites (the  Websites”) and our mobile applications (the “Applications”), and how we use such information in connection  with the services we offer through the Websites and Applications (collectively the “Services”). 

PLEASE READ THIS PRIVACY POLICY CAREFULLY TO ENSURE THAT YOU UNDERSTAND  OUR POLICIES AND PRACTICES REGARDING YOUR INFORMATION. IF YOU DO NOT  AGREE TO EACH AND EVERY ONE OF THE TERMS AND CONDITIONS OF THIS PRIVACY  POLICY AND THE COMPANY’S TERMS OF USE, PLEASE DO NOT ACCESS OR USE THE WEBSITES, THE APPLICATIONS OR THE SERVICES.  

By using the Websites, the Applications or the Services, or otherwise providing us with your information, you  agree to this Privacy Policy and you agree to be bound and abide by our Terms of Service found here.  

INDIVIDUALS UNDER THE AGE OF 16 

Our Websites, Applications, and Services are not intended for individuals under the age of 16. No one under  the age of 16 may provide any personal information to or on our Websites, Applications or Services. We do  not knowingly collect personal information from such individuals. If you are under the age of 16, do not use or  provide any information on our Websites, Applications or Services. If we learn that we have collected or  received personal information from an individual under the age of 16 without verification of parental consent,  we will delete that information. If you believe we might have any information from or about an individual  under the age of 16, please contact us at support@liquidrewards.com. 

INFORMATION WE COLLECT 

We may collect the following categories of information directly from and about you in connection with your  use of the Website, the Applications and the Services. These categories of information are described in more  detail below. All of the information specified is referred to in this Privacy Policy as “Information.” 

Registration Information: When you register for the Services directly with us, through the Plaid platform or  through a third-party website or application, we will ask that you provide us with basic registration  Information, such as an email address, password. 

Identification Information: When you register for the Services we may also ask that you provide us with  information confirming your identity including your first and last name, physical address, phone number,  gender and date of birth.

Third-party Credentials: You may also provide us with credentials for third party payment services (“Third Party Sites”) when you authorize us to connect to those third-party payment services on your behalf. 

Information from Third-Party Sites: When you agree to have us connect to any Third-Party Sites on your  behalf, in order to provide you with the Services including any Liquid rewards, we will collect transaction level data from the Third Party Sites by means of the Services. For example, if you register your bank account  or credit card account with us, we will collect the transaction details from your bank account or credit card  account in order to personalize rewards and determine those transactions for which you are eligible to receive  Liquid rewards. 

Contests and Surveys: From time to time, we may offer you an opportunity to participate in a contest, survey,  or other promotion. We may collect or you may submit Information in connection with the contest, survey or  promotion, such as your first and last name, contact information and any other requested information. 

Technical, Device and Navigational Information: We may collect information about your interaction with  the Website, the Applications or the Services such as device-related information (including the unique  identifier of the device, any device advertising identifier, operating system, application version, browser type  and IP address) and server log information (including the date and time of day of your visit, the pages visited,  the average time spent on the Website or the Applications, browsing activity and any site that referred you to  us). 

Location Information: If you choose to use a location-enabled aspect of the Services, we may collect location  Information from your device. You may control or disable the sharing of location information through the  settings on your device and/or through the Services. 

Social Media or Third-Party Network Information: You may have the ability to log in to the Services  through a social media or third-party network log-in account (a “Third Party Login). If you log in through such  an account we will ask you to provide that site’s login credentials and we will ask that you grant us permission  to access and collect your basic profile information from that site, which may include your name and email  address. Any social media or third-party networking site controls the information it collects from you. For  information about how they may use and disclose your Information, including any Information you make  public, please consult their respective privacy policies. We have no control over how any social media or third party network site uses or discloses the personal Information it collects about you. 

Career Information: You may provide Information when submitting your resume or applying for a specific  position on our Website or Applications such as your educational background and career history. 

Profile Information: If you choose to set a Username and/or Profile Picture, you may submit Information  such as your full name or photographic likeness. This submission of Information is fully at your discretion and  is not required to use the features of the Services. 

Other Information: We may collect other Information as otherwise described to you at the point of collection  or pursuant to your consent. 

HOW WE USE THE INFORMATION WE COLLECT 

We use and process your Information for purposes that may include, but are not limited to, the following: 

  • providing you with the Website, Applications and Services;
  • providing you with information, products or services that you request from us;
  • creating and personalizing offers and rewards, and issuing the promised rewards based your spending with Liquid partners;
  • responding to your questions about our Websites, Applications, and Services;
  • providing and supporting in-app social functionality;
  • analyzing usage of the Website, Applications and Services;
  • advising you of any technical issues and communicating to you information regarding your use of the

Services; 

  • for marketing and advertising purposes, including sending you promotional material or special offers

on our behalf or on behalf of our marketing partners and/or their respective affiliates and subsidiaries 

and other third parties, provided that you have not already opted-out of receiving such  communications; 

  • performing market research, project planning, product development, troubleshooting problems, and

analysis of user behavior; 

  • managing, improving and fostering relationships with third-party service providers, including vendors,

suppliers, and parents, affiliates, subsidiaries, and business partners; 

  • conducting anonymized user analytics and industry benchmarking;
  • complying with any applicable laws and regulations and responding to lawful requests; for any other purposes disclosed to you at the time we collect your Information and/or pursuant to your consent;
  • pre-filling form fields on the Services for your convenience;
  • enforcing our Terms of Service and as otherwise set forth in this Privacy Policy; a transaction in connection with a merger, sale, of substantially all of our assets, or a corporate reorganization 
  • fulfilling any other purpose for which you provide the Information
  • in any other way we may describe when you provide us with the Information.
 

We may be required to verify your identity in order for you to use the Websites, Applications and Services.  We may verify your identity if you contact us for assistance with the Website, Applications or Services. To  verify your identity, we may, directly or through our service providers, use Information you provide and verify  it against our service providers’ databases or through other sources.  

When you use the mobile versions of our Website or the Applications, we may collect the unique device  identifier assigned to that device by phone makers, carriers, or developers of the operating system (“Device  Identifiers”). Device Identifiers enable developers, advertisers, and others to uniquely identify your device for  purposes of storing application preferences and other data. We may use your Device Identifiers to contact you  directly through push notifications and to monitor suspicious activity.  

The Information we process may be transferred to, stored, and processed in, the United States or any other  country in which Liquid or its affiliates, subsidiaries, or service providers maintain operations. By using and  providing us with Information through the Website, the Applications and the Services, you expressly authorize  and consent to the transfer, storage and processing of your information to any such country in order to provide  the Website, the Applications and the Services. You are advised that Information, including personal data, that  we collect may be transferred to, stored, and processed in a jurisdiction in which the privacy laws may not be  as comprehensive as those in the country in which you are a citizen or in which you reside.  

We endeavor to apply suitable safeguards to protect the privacy and security of your personal data and to use it  in a manner that is consistent with your relationship with us and the practices described in this Privacy Policy.  We also endeavor to apply the same safeguards when enter into data processing agreements with our vendors. 

HOW WE DISCLOSE THE INFORMATION WE COLLECT 

We may share your Information with our subsidiaries and affiliates for the purposes of providing the Services. 

We may share your Information with vendors, contractors, service providers and other third parties we use to  support our business and to provide the Services. By using the Website, the Applications and the Services you  grant our vendors, contractors and service providers, including, but not limited to Plaid, the right to access, transmit and process your Information as reasonably necessary to support us in our business and provide the  Services. We may also use the services of vendors, contractors and service providers to assist us in analyzing  certain online activities including but not limited to helping us measure the performance of our online  promotions or analyze Services activity, and we may permit these service providers to use cookies and similar  technologies to perform these services. You acknowledge and agree that to the extent we share your  Information with these vendors, contractors and service providers your personal Information will be treated in  accordance with the privacy policies of those organizations.  

We may share your Information with third parties to fulfill the purpose for which you provide it or process the  transaction you have requested. 

We and our vendors, contractors and service providers may also provide your Information (i) to comply with  any court order, law or legal process, including to respond to any government or regulatory request, (ii) to  enforce or apply our Terms of Service and other agreements including for billing and collection purposes, and  (iii) if we believe that disclosure is necessary or appropriate to protect the rights, property or safety of Liquid,  our customers or other third parties. This disclosure may include sharing Information with third parties for the  purposes of fraud protection and credit risk reduction. 

We may transfer any Information we have about you to a buyer or other successor in the event of a merger,  divestiture, restructuring, reorganization, dissolution or other sale or transfer of some or all of the Company’s  assets, whether as a going concern or as part of bankruptcy, liquidation or similar proceedings in which  personal information held by the Company about our users is among the assets transferred.  

We may license, share or otherwise disclose aggregate, de-identified or anonymous information about users or  users’ engagement with the Services with third parties for marketing, advertising, analytics, research or similar  purposes. For example, we may provide participating merchants or third-parties with aggregated or  anonymized information relating to users’ engagement with the Services to allow participating merchants and  other third parties to assess the results of their offers and campaigns. 

HOW WE PROTECT THE INFORMATION WE COLLECT 

We take the security of your Information seriously. We have implemented technical, physical and  administrative safeguards including but not limited, firewalls, encryption techniques and authentication  procedures to maintain the security of your Information. However, no collection or transmission of information  over the internet or other publicly accessible communications networks is entirely secure, and therefore, we do  not warrant or guarantee the security of any such information. Any transmission of Information is at your own  risk. We are not responsible for the circumvention of any privacy settings or security features. You agree that  we will not have any liability for misuse, access, acquisition, deletion, or disclosure of your Information.  

Your online access may be protected with a password you select. We strongly recommend that you do not  disclose your password to anyone. We will never ask you for your password in any unsolicited communication  (such as letters, phone calls or email messages). 

YOUR CHOICES 

You have the option of receiving periodic Website, Application, or Services-related alerts, weekly summaries,  notifications, newsletters, promotions, or other information by email, text or other communications medium.  You may choose to sign-up for or stop receiving alerts, summaries, newsletters and promotions by indicating  your preference in your account profile or settings. You may also follow the unsubscribe instructions in the email, text or other communications medium you receive. Please note that certain Service-related messages  that we send are necessary for the proper functioning and use of the Services and you may not have the ability to opt-out of those messages. 

THIRD-PARTY OFFERS, ADVERTISEMENTS, AND DATA COLLECTION 

We may deliver advertisements for third-party products and services on the Website, the Applications and  through the Services. These offers may be complementary to your use of the Services and may be personalized  based on Information you provide to us, Information we have collected about you, your transactions in your  linked accounts, queries made through the Services, or other Information. If you choose to use these separate  products and services, provide information to the third-party, or allow the third-party to otherwise collect  Information about you, then their use of your Information is subject to the applicable third-party’s privacy  policy and terms of service, not this Privacy Policy. You should review the practices of the third-party before  deciding to use their products or service or provide them with any Information. 

HOW WE USE COOKIES AND SIMILAR TECHNOLOGIES 

To help operate the Website, the Applications and Services, enhance your user experience, and collect  information about online activity, we may place small data files on your computer or other device. These data  files may be in the form of cookies, pixel tags, local shared objects, or other similar technologies. Cookies and  similar technologies enable us to personalize the Website, the Applications and the Services for you. These  technologies allow us to store and manage your preferences and settings, measure and analyze how you use the  Website, the Applications and the Services, the effectiveness of our communications, offer targeted products,  programs and services, and help us improve the Services and the security of the Services. Information  collected includes internet protocol address, operating system, browser specifics of your device, device  characteristics, user ID, and specifics regarding your interactions with the Website, the Applications and the  Services. 

Most browsers provide you with the ability to block, delete, or disable these technologies. If you choose to  reject cookies or similar technologies, some Services may not be available or some functionality may be  limited or unavailable. Please review your browser manufacturer’s help pages for assistance with changing  your settings. Clear GIFs are tiny graphics with a unique identifier, similar in function to cookies. In contrast  to cookies, which are stored on your device’s hard drive, clear GIFs are embedded invisibly on the Website or  Application pages. We may use clear GIFs (a.k.a. web beacons, web bugs or pixel tags), in connection with the  Website and the Applications to, among other things, track the activities of the Website visitors and the  Application users, help us manage content, and compile statistics about usage of the Website and the  Applications. We and our third-party service providers also use clear GIFs in HTML emails to our customers,  to help us track email response rates, identify when our emails are viewed, and track whether our emails are  forwarded. 

We may use third parties such as network advertisers to serve advertisements on third-party websites,  applications, or other communications media including social networking platforms. This enables us and these  third parties to target advertisements to you for products and services in which you might be interested. Third party ad network providers, advertisers, sponsors and/or traffic measurement services may use cookies,  JavaScript, web beacons (including clear GIFs), Flash LSOs and other tracking technologies to measure the  effectiveness of their advertisements and to personalize advertising content to you. These third-party cookies  and other technologies are governed by each third party’s specific privacy policy, not this Privacy Policy. We  may provide these third-party advertisers with Information, including personal Information, about you. 

Users in the United States may opt out of many third-party ad networks. For example, you may visit the  Digital Advertising Alliance (“DAA”) Consumer Choice Page for information about opting out of interest based advertising and their choices regarding having information used by DAA companies. You may also visit the Network Advertising Initiative (“NAI”) Consumer Opt-Out Page for information about opting out of  interest-based advertising and their choices regarding having Information used by NAI members. 

Opting out from one or more companies listed on the DAA Consumer Choice Page or the NAI Consumer Opt Out Page will opt you out from those companies’ delivery of interest-based content or ads to you, but it does  not mean you will no longer receive any advertising through the Website, the Applications or on other  websites or applications. You may continue to receive advertisements, for example, based on the particular  website that you are viewing (i.e., contextually based ads). Also, if your browsers are configured to reject  cookies when you opt out on the DAA or NAI websites, your opt out may not be effective. Additional  information is available on the DAA’s website at www.aboutads.info or the NAI’s website at  www.networkadvertising.org. 

Our systems may not recognize browser “do-not-track” requests. You may, however, disable certain tracking  as discussed in this section (e.g., by disabling cookies); you also may opt-out of targeted advertising by  following the instructions above. 

ACCESSING AND UPDATING TO YOUR PERSONAL INFORMATION 

If you have registered an account with us, you can access, update, and correct inaccuracies in your personal  Information subject to certain exceptions, limitations and applicable laws by accessing your profile and  account information on the Website or the Applications. To the extent state laws provide users with additional  data subject rights, we will abide by those obligations following proper authentication and verification. 

You may request access, updating and corrections of inaccuracies in other personal Information we have in our  custody or control by emailing or writing to us at the contact information set out below. We may request  certain personal Information for the purposes of verifying the identity of the individual seeking access to the  personal Information records. 

You may choose to close or request that we delete your account for the Services at any time. 

By using the Website, the Applications and the Services you grant our vendors, contractors and service  providers, including, but not limited to Plaid, the right to access, transmit and process your Information as  reasonably necessary to provide the Services. We may also use the services of vendors, contractors and  service providers to assist us in analyzing certain online activities including but not limited to helping us  measure the performance of our online promotions or analyze Services activity and we may permit these  service providers to use cookies and similar technologies to perform these services. You acknowledge and  agree that to the extent we share your Information with these vendors, contractors and service providers your  personal Information will be treated in accordance with the privacy policies of those organizations.  

STATE PRIVACY RIGHTS 

If you are a California, Nevada, Colorado, Virginia, or Utah resident, your state’s laws may provide you with  additional rights regarding our use of your personal information.  

CHANGES TO THIS PRIVACY POLICY 

We reserve the right, at our discretion, to make changes to this Privacy Policy at any time and from time to  time, so please review it frequently. You may review our Terms of Services and Privacy Policy at any time  through links on the Website or on the Applications. Changes take effect immediately upon posting. 

CONTACT US

If you have questions or concerns regarding this Privacy Policy, our security practices, our Information  handling practices or wish to access, update, and/or correct your Personal information, please contact our Privacy Officer: 

By email at: 

support@liquidrewards.com