BALANCE Privacy Policy

This Privacy Policy explains how BALANCE ("BALANCE," "we," "our," or "us") collects, uses, and shares your personal information when you use our website, mobile apps, and services (collectively, the "Services"). By using the Services, you agree to this Privacy Policy. If you do not agree, please do not use our Services.

1. Overview: Your Privacy at a Glance

• What We Collect: Information you provide us (this may include name, email, financial data, account data, income and employment information, mortgage information, investment portfolio information, financial documents and other personal information) and automatically collected data (cookies, usage stats, device info).
• How We Use It: To deliver our Services, process transactions, communicate with you, enhance security, and provide customer support.
• Who We Share It With: Trusted partners (e.g., payment processors, data hosting, security monitoring, other third-party services you opt into) and legal authorities when required.
• Your Choices: You can access, update, or delete your data and control how it's used.
• How We Protect It: Encryption, secure storage, and strict access controls.

For questions, call 888.456.2227 or visit www.balancepro.org.

2. Information We Collect

We collect personal information to provide our Services. This includes:

A. Information You Provide

• Personal Details: Name, email, phone number, address, marital status, employment details, Social Security number (only if required for specific financial services) and other personal profile information.
• Financial Information: Bank accounts, credit scores, transaction history, income, assets, liabilities, mortgage information, investment portfolio and other financial data.
• Financial Planning: Wills, trusts, insurance policies, retirement and other savings goals.
• Account & Login Information: Username, password, security questions and information required for single-sign on via Apple ID or Google.
• User-Generated Content: Uploaded documents (e.g., insurance documents, tax filings, estate plans), messages, notes.
• Communication Data: Customer support inquiries, feedback, and emails.

B. Information We Collect Automatically

• Device & Usage Data: IP address, browser type, operating system, mobile device ID.
• Behavioral Analytics: How you interact with our platform, features used, financial planning trends.
• Cookies & Tracking: See Section 5 for details.

C. Information from Third-Party Sources

We may collect data from:

• Linked Financial Accounts: If you connect a bank account, credit card, or investment account, we receive financial transactions and balance data in read only format. When it comes to financial data aggregation, you control what third-party accounts you connect.
• Credit Bureaus: For credit score tracking, if you opt-in.
• Public Records & Data Verification Providers: To confirm identity and prevent fraud, and otherwise provide our Services safely and efficiently.

3. How We Use Your Information

We use your data to:

• Provide our Services – Financial education, counseling and programs based on your financial situation
• Market our Services – Offer our services to you.
• Process Transactions – Handle payments for subscriptions, premium features, or linked financial services.
• Enhance Security – Prevent unauthorized access to our systems.
• Communicate with You – Send updates, reminders, educational content, promotions (only with your consent), and service notifications.
• Analyze & Improve the Platform – Use anonymized data to improve features and provide better recommendations.
• Ensure Legal Compliance – Respond to regulatory requests, subpoenas, or fraud investigations.

4. Who We Share Your Information With

We do not sell your personal information. However, we may share data with:

• Service Providers – Secure data hosting, payment processing, security monitoring, analytics providers and other services required to operate our business.
• Legal Authorities – If required by law, subpoena, or fraud prevention efforts.
• Third-Party Providers – Only if you opt in (e.g., estate planning or insurance services) to render services requested by you.
• Parties to Corporate Transactions – If BALANCE merges, is acquired, or undergoes restructuring.

5. Cookies & Tracking Technologies

We use cookies to:

• Improve site functionality.
• Personalize your experience.
• Analyze usage patterns.

Your Options: You can manage cookie settings in your browser. Disabling cookies may affect functionality.

6. Your Rights & Choices

You have the right to:

• Access your personal data.
• Correct inaccurate information.
• Delete your data (subject to legal requirements).
• Opt out of marketing communications.

To request changes, call 888.456.2227.

7. California Privacy Rights (CCPA Compliance)

If you’re a California resident, you have additional rights under the California Consumer Privacy Act (CCPA):

• Request to know what personal data we collect.
• Request to delete your data.
• Opt out of data sharing for targeted ads.
• Non-discrimination: We will not penalize you for exercising your privacy rights.

To submit a request, call 888.456.2227.

8. Security & Data Retention

We take strong security measures to protect your data, including:

• Encryption for sensitive data.
• Secure servers with access controls.
• Regular security monitoring to prevent breaches.
• How long we keep your data: We retain your information only as long as necessary to provide services or comply with legal obligations. If you close your account, we delete or anonymize your data within 60 days, unless required by law.

9. Special State Privacy Notices

California, Vermont, and North Dakota Residents: We do not share personal data with nonaffiliates for marketing purposes.

Additional Rights: Some states offer extra privacy protections—contact us for details.

10. Changes to This Policy

We may update this policy from time to time. The latest version will always be posted on our website. If changes are significant, we’ll notify you by email.

11. Contact Us

If you have any questions, call 888.456.2227 or visit www.balancepro.org.