Parallax Privacy Policy

Date of Last Revision: September 5, 2023 

OUR COMMITMENT TO PRIVACY
Parallax Labs, Inc. (“Parallax”, “we”, “us”, “our”), knows that you care about how your personal information is used and shared, and we take your privacy seriously. Our primary goal is to provide you with exceptional service, and we understand that you may have questions or concerns regarding your personal information and how it will be used.  To make this Privacy Policy easy to find, we make it available from the home page of the Parallax website located at www.withparallax.com ("Website”) or through our mobile application, to the extent that we offer a mobile application (“Mobile Application”, together with the Website, “Platforms”). You may also email us at privacy@withparallax.com with any privacy-related questions you have.

APPLICABILITY OF PRIVACY POLICY
This Privacy Policy applies to all information we collect through your use of the services on our Platforms or your accessing our Platforms through the website of one of our partners (“Partners”, collectively, “Service”) from current and former Parallax users, including you. When you are no longer our customer, we may continue to share your information as described in this policy. 

Throughout this policy, we use the term "personal information" to describe information that identifies, relates to, describes, is reasonably capable of being associated with, or could reasonably be linked, directly or indirectly, with a particular person or household.  We define the following categories of personal information:
Identifiers: name, alias, address, online identifier, Internet Protocol address, email address, account name, Social Security number, Driver’s license number, passport number.
Customer records: name, signature, Social Security number, physical characteristics or description, address, telephone number, driver’s license or state identification card number, insurance policy number, education, employment, employment history, bank account number, credit card number, debit card number, any other financial information, medical information, health insurance information.
Characteristics of protected classifications under state or federal law: age (over 40), AIDS/HIV-positive status, ancestry, citizenship status, disability, gender identity or expression, genetic information or conditions, marital status, medical condition, military or veteran status, national origin, political affiliations or activities, pregnancy, race, religion, sex (including pregnancy, childbirth, and related medical conditions), sexual orientation.
Commercial information: records of personal property, products or services purchased, obtained, or considered or other purchasing or consuming histories or tendencies.
Biometric information: imagery of the iris, retina, fingerprint, face, hand, palm, vein patterns, and voice recordings, from which an identifier template, such as a faceprint, a minutiae template, or a voiceprint, can be extracted, and keystroke patterns or rhythms, gait patterns or rhythms, and sleep, health, or exercise data that contain identifying information.
Internet or other network activity information: browsing history, search history, information regarding a consumer’s interaction with an internet website application, or advertisement, or other similar information.
Geolocation data: any data that is derived from a device and that is used or intended to be used to locate a Consumer within a geographic area
Audio, electronic, visual, thermal, olfactory, or similar information (collectively referred to as “Sensory information”), as described in the category name.
Professional or employment-related information, as described in the category name. 
Education information: information that is not publicly available personally identifiable information as defined in the Family Educational Rights and Privacy Act (20 U.S.C. Section 1232g; 34 C.F.R. Part 99).
Sensitive personal information, Social Security number, driver’s license number, state identification card number, passport number, account log-in, financial account, debit card, or credit card number in combination with any required security or access code, password, or credentials allowing access to an account, precise geolocation (meaning any geolocation data that can be used to locate a consumer within a radius of 1,850 feet.), racial or ethnic origin, religious or philosophical beliefs, union membership, contents of a consumer’s mail, email, and text messages unless the business collecting or using the data is the intended recipient of the communication, genetic data, biometric information for the purpose of uniquely identifying a consumer, personal information collected and analyzed concerning a consumer’s health, personal information collected and analyzed concerning a consumer’s sex life or sexual orientation, when collected or used for the purposes of inferring characteristics about a consumer.
Inferences drawn from any of the information in any other category to create a profile about a consumer reflecting the consumer’s preferences, characteristics, psychological trends, predispositions, behavior, attitudes, intelligence, abilities, and aptitudes.

Personal information does not include deidentified or aggregate personal information or information that is lawfully made available from federal, state, or local government records.

Personal information is not considered to have been disclosed when you instruct a business to transfer your personal information from one business to another in the context of switching services.

By using the Service, you agree to the practices described in this Privacy Policy as well as our partners’ privacy policy.. If you do not agree, please do not access our Platforms or otherwise use our Service. 

1. PERSONAL DATA WE COLLECT
Personal Data You Provide:
We collect personal information when you create an account or link your accounting or tracking software to the Service. The personal information collected during these interactions may include, but is not limited to, your name, date of birth, physical address, email address, phone number, bank account number, biometric data, your photograph, the photograph of your passport or driver’s license or national identity document, and a log of the transactions you authorize through the Service. We may need to collect additional personal information, such as your street address, certain digits of your social security number or zip code to fulfill our legal obligations related to providing the Service to you. In addition, we may collect your location information.  You are responsible for the accuracy of the personal information you provide to us and you will be responsible for the consequences of providing false or inaccurate information.

Personal Data We Collect Through Our Social Media Pages: We have pages on social media sites like Facebook, Instagram, and Twitter (“Social Media Pages”). When you interact with our Social Media Pages, we will collect personal information that you elect to provide to us, such as your contact details. In addition, the companies that host our Social Media Pages may provide us with aggregate information and analytics regarding the use of our Social Media Pages.

Personal Data We Receive Automatically from Your Use of the Service: When you visit, use and interact with the Service, we may receive certain information about your visit, use or interactions. For example, we may monitor the number of people that visit the Service, peak hours of visits, which page(s) are visited, the domains our visitors come from (e.g., google.com, yahoo.com, etc.), and which browsers people use to access the Service (e.g., Firefox, Microsoft Internet Explorer, etc.), broad geographical information, and navigation pattern. In particular, the following information is created and automatically logged in our systems: 
Log data: Information that your browser automatically sends whenever you visit the Platforms (“log data”). Log data includes your Internet Protocol address, browser type and settings, the date and time of your request, and how you interacted with the Service. 
Cookies: Please see the “Cookies” section below to learn more about how we use cookies.
Device information: Includes name of the device, operating system, and browser you are using. Information collected may depend on the type of device you use and its settings. 
Usage Information: We collect information about how you use our Service, such as the types of content that you view or engage with, the features you use, the actions you take, and the time, frequency and duration of your activities.

Cookies: We use cookies to operate and administer our Website, gather usage data on our Website and improve your experience on it. A “cookie” is a piece of information sent to your browser by a website you visit. Cookies can be stored on your computer for different periods of time. Some cookies expire after a certain amount of time, or upon logging out (session cookies), others survive after your browser is closed until a defined expiration date set in the cookie (as determined by the third party placing it), and help recognize your computer when you open your browser and browse the Internet again (persistent cookies). For more details on cookies please visit All About Cookies.

Analytics: We utilize various web analytics services to better understand how users interact with the Website and to enhance your browsing experience. These services, including but not limited to those provided by Google, Inc. ("Google") and FullStory, employ cookies and similar tracking technologies. By analyzing user behavior, these tools help us improve the Website.

If you would like to learn more about how data is used by these analytics services, you can refer to their respective privacy policies. For details about Google's data usage, visit www.google.com/policies/privacy/partners/. Similarly, you can find information about FullStory's data practices at https://www.fullstory.com/legal/privacy-policy/.

We may also introduce additional analytics services in the future to further enhance our understanding of user interactions. For more specific details about the analytics services we employ and how data is handled, please feel free to contact us at privacy@withparallax.com.

Online Tracking and Do Not Track Signals: We, our Service Providers (as hereinafter defined), Vendors (as hereinafter defined), and Partners may use cookies or other tracking technologies to collect information about your browsing activities over time and across different websites following your use of the Website. Our Website currently does not respond to “Do Not Track” (“DNT”) signals and operates as described in this Privacy Policy whether or not a DNT signal is received. If we do respond to DNT signals in the future, we will update this Privacy Policy to describe how we do so.

Your Choices. On most web browsers, you will find a “help” section on the toolbar. Please refer to this section for information on how to receive a notification when you are receiving a new cookie and how to turn cookies off. Please see the links below for guidance on how to modify your web browser’s settings on the most popular browsers:
Internet Explorer
Mozilla Firefox
Google Chrome
Apple Safari
Please note that if you limit the ability of websites to set cookies, you may be unable to access certain parts of the Website and you may not be able to benefit from the full functionality of the Website.

Advertising networks may collect personal information through the use of cookies. Most advertising networks offer you a way to opt out of targeted advertising. If you would like to find out more information, please visit the Network Advertising Initiative’s online resources at http://www.networkadvertising.org and follow the opt-out instructions there.

If you access the Website on your mobile device, you may not be able to control tracking technologies through the settings. 

2. HOW WE USE PERSONAL DATA
We may use personal information for the following purposes:
• To help you access and use the Service;
• To respond to your inquiries, comments, feedback or questions;
• To send administrative information to you, for example, information regarding the Service, and changes to our terms, conditions, and policies;To analyze how you interact with our Service;
• To maintain and improve the content and functionality of the Service (please see the “Cookies” section above to learn how we use cookies);To develop new products and Services;
• To prevent fraud, criminal activity, or misuses of our Service, and to ensure the security of our IT systems, architecture and networks; and
• To comply with legal obligations and legal process and to protect our rights, privacy, safety or property, and/or that of our affiliates, you or other third parties.

Aggregated Information. We may aggregate personal information and use the aggregated information to analyze the effectiveness of our Service, to improve and add features to our Service, and for other similar purposes. In addition, from time to time, we may analyze the general behavior and characteristics of users of our Service and share aggregated information like general user statistics with prospective business partners. We may collect aggregated information through features of the software that supports our Service, through cookies, and through other means described in this Privacy Policy.

Marketing. We may contact you to tell you about Services we believe will be of interest to you. For instance, if you elect to provide your email or telephone number, we may use that information to send you special offers. You may opt out of receiving emails by following the instructions contained in each promotional email we send you. You can also control the marketing emails and/or text messages you receive by updating your settings through your account. In addition, if at any time you do not wish to receive future marketing communications, please contact us at privacy@withparallax.com. If you unsubscribe from our marketing lists, you will no longer receive marketing communications but we will continue to contact you regarding our Website and Services and to respond to your requests.

3. SHARING AND DISCLOSURE OF PERSONAL DATA
In addition to sharing your personal information with our Partners, in certain circumstances we may share your personal information with third-parties without further notice to you, unless required by the law, as set forth below:
Vendors and Service Providers: To assist us in meeting business operations needs and to perform certain Services and functions, we may share personal information with vendors and service providers, including providers of hosting services, cloud services and other information technology services providers, email communication software and email newsletter services, advertising and marketing services, financial service providers (including payment card processors, banks, and API services) customer relationship management and customer support services, and web analytics services (for more details on the third parties that place cookies through the Website, please see the “Cookies” section above). Pursuant to our instructions, these parties will access, process or store personal information in the course of performing their duties to us. We take commercially reasonable steps to ensure our Vendors and Service Providers adhere to the security standards we apply to your personal information.
International Data Transfer: Your personal data collected through the Service may be transferred for the purposes described above to Partners, Vendors or Service Providers located in other countries. These countries may not have the same data protection regulations as in your country. In this regard, we inform you that we have implemented safeguards that guarantee an adequate level of protection of personal data when they are transferred to other jurisdictions. These safeguards include contractual clauses or commitments aimed at imposing compliance with the applicable and its complementary regulations. In any event, when using the Services of the Platform you are aware of the international transfer of your personal data as indicated in this section.
Business Transfers: If we are involved in a merger, acquisition, financing due diligence, reorganization, bankruptcy, receivership, sale of all or a portion of our assets, or transition of Service to another provider, your personal information and other information may be shared in the diligence process with counterparties and others assisting with the transaction and transferred to a successor or affiliate as part of that transaction along with other assets.
Legal Requirements: If required to do so by law or in the good faith belief that such action is necessary to (i) comply with a legal obligation, including to meet national security or law enforcement requirements, (ii) protect and defend our rights or property, (iii) prevent fraud, (iv) act in urgent circumstances to protect the personal safety of users of the Services, or the public, or (v) protect against legal liability.
Other users: Your personal information may be accessible to other users of the Service with whom you interact. For example, where you share a sub-account with other users (such as if you create a sub-account to share expenses related to a family vacation), the other users with access to the sub-account will have access to the transactions you authorize within that sub-account. 
Affiliates: We may share personal information with our affiliates, meaning an entity that controls, is controlled by, or is under common control with Parallax. Our affiliates may use the personal information we share in a manner consistent with this Privacy Policy.

4. DATA RETENTION
We keep personal information for as long as reasonably necessary and proportionate to achieve the purposes for which the personal information was collected or processed.

5. UPDATE YOUR INFORMATION
Please log in to your account if you need to change or correct your personal information. Additionally, you can email us at privacy@withparallax.com to request that we correct any inaccurate personal information about you.

6. CHILDREN
Our Service is not directed to children who are under the age of 13. Parallax does not knowingly collect personal information from children under the age of 13. If you have reason to believe that a child under the age of 13 has provided personal information to Parallax through the Service, please contact us at privacy@withparallax.com and we will endeavor to delete that information from our databases.

7. LINKS TO OTHER WEBSITES
The Service may contain links to other websites not operated or controlled by Parallax, including social media services (“Third-Party Sites”). The information that you share with Third-Party Sites will be governed by the specific privacy policies and terms of service of the Third-Party Sites and not by this Privacy Policy. By providing these links we do not imply that we endorse or have reviewed these sites. Please contact the Third-Party Sites directly for information on their privacy practices and policies. 

8. SECURITY
You use the Service at your own risk. We implement reasonable technical, administrative, and organizational measures to protect personal information both online and offline from loss, misuse, and unauthorized access, disclosure, alteration or destruction. However, no Internet or e-mail transmission is ever fully secure or error free. In particular, e-mail sent to or from us may not be secure. Therefore, you should take special care in deciding what information you send to us via the Service or e-mail. Please keep this in mind when disclosing any personal information to Parallax via the Internet. In addition, we are not responsible for circumvention of any privacy settings or security measures contained on the Service, or Partner or third-party websites.

9. YOUR CHOICES
In certain circumstances providing personal information is optional. However, if you choose not to provide personal information that is needed to use some features of our Services, you may be unable to use those features. 

10. CHANGES TO THE PRIVACY POLICY
The Service, and our business may change from time to time. As a result, we may change this Privacy Policy at any time. When we do, we will post an updated version on this page, unless another type of notice is required by the applicable law. By continuing to use our Service or providing us with personal information after we have posted an updated Privacy Policy, or notified you if applicable, you consent to the revised Privacy Policy and practices described in it.

11. DO NOT TRACK SIGNALS
Our Website currently does not respond to “Do Not Track” (DNT) signals and operates as described in this Privacy Policy whether or not a DNT signal is received. If we do so in the future, we will describe how we do so in this Privacy Policy.

12. CALIFORNIA-SPECIFIC CONSUMER PRIVACY PROTECTIONS
Although we do not currently meet the threshold requirements obligating our compliance with the California Consumer Privacy Act of 2018, as revised by the California Privacy Rights Act of 2020, and the associated regulations (“CCPA/CPRA”) and other California Laws, Parallax is voluntarily committing to respect some of the rights to which you would be entitled as a consumer (“Consumer”) under the CCPA/CPRA.  Specifically, we are voluntarily committing to protect your CCPA/CPRA rights to:
1. Delete personal information collected from or about them (“Right to Delete”)
2. .Correct inaccurate Personal Information collected and maintained about them (“Right to Correct”).
3. Opt-out of the Sale or sharing of their personal information (“Right to Opt-out”).
4. Limit use and disclosure of sensitive personal information to what is necessary to perform the Services or provide the goods reasonably expected by an average Consumer who requests such goods or Services (“Right to Limit”).
5. Not be retaliated against for exercising their rights (“Right to No Discrimination”).

This Section 12 provides you with a description of our business practices, both online and offline, regarding the collection, use, disclosure, and sale of personal information and of the rights of Consumers regarding their own personal information.  Once we meet the threshold requirements obligating our compliance with the CCPA/CPRA, we will update this Section 12 so as to set forth the full set of rights to which you as a Consumer will be entitled.

The terms used in this Section 12 have the meanings used in the CCPA/CPRA.  To learn more about your California privacy rights, please visit: https://oag.ca.gov/privacy/privacy-laws.

12.1 RIGHT TO DELETE PERSONAL INFORMATION
You have the right to request that we delete any of your personal information, subject to certain exceptions.

12.2 RIGHT TO CORRECT INACCURATE PERSONAL INFORMATION
See Section 5 above.

12.3 HOW TO EXERCISE YOUR RIGHT TO DELETE AND YOUR RIGHT TO CORRECT
Your Right to Delete and Right to Correct can be exercised by submitting a verifiable request to us via email at privacy@withparallax.com.Parallax uses a two-step confirmation process to confirm any online Right to Delete request (but not any other type of verifiable request).  If you submit an online Right to Delete request, we will contact you to request additional confirmation of your request.

We cannot respond to your verifiable request if we cannot verify your identity or authority to make the request and confirm that the personal information relates to you. For this reason, your request must both:
• provide sufficient information that allows us to reasonably verify you are the person about whom we collected personal information or an authorized representative; and
• describe your request with sufficient detail that allows us to properly understand, evaluate, and respond to it.If you have a password-protected account with Parallax, we may require you to verify your identity through our existing authentication practices for the account.  We will only use personal information provided in a verifiable request to verify the requestor’s identity or authority to make the request.

Only you, or your properly authorized agent, may make a request related to your personal information.  To be certain that anyone claiming to make a verifiable request on your behalf has been properly authorized by you, we may require additional information, including:
• Submitting the signed authorization that you provided to your agent.
• Verifying their own identity directly to us.

You may submit a Right to Delete request for specific pieces of information on behalf of all members of your household.  Where you have a password-protected account with us, we may process Right to Delete requests for specific pieces of information relating to household information through that account.

12.4 RIGHT TO OPT-OUT OF SALE OR SHARING OF PERSONAL INFORMATION
Parallax sells or shares your personal information to third-parties.  You have the right at any time to direct us not to sell or share your personal information to third-parties (this right is referred to as the “Right to Opt-Out”).  You may submit a request to exercise your Right to Opt-Out via email at privacy@withparallax.com.

Only you, or your properly authorized agent, may make a Right to Opt-Out request using the methods provided above.  If you change your mind after making an opt-out request, you may contact us at any time by the methods listed above or by our contact information below to request to allow us to sell and share your personal information (this is known as requesting to “opt-in”).  We are required by the CCPA/CPRA to use a two-step opt-in process, so that if you submit a request to opt-in, we will contact you separately to request additional confirmation of your request.

12.5 RIGHT TO LIMIT USE AND DISCLOSURE OF SENSITIVE PERSONAL INFORMATION
Parallax uses or discloses your sensitive personal information beyond that which is necessary to perform the Services, disclose this information to certain third parties, or to provide the goods reasonably expected by an average consumer who requests such goods or services, to perform the following Services:
a. ensuring the security and integrity of our Website and system.
b. short-term, transient use, such as non-personalized advertising.
c. performing Services on behalf of the business.
d. maintaining or improving the quality or safety of a Service or device we own, manufacture, or control.

You have the right, at any time, to direct us to limit our use or disclosure of your sensitive personal information to that set forth in 12.6(a)-(d) above (this right is referred to as the “Right to Limit”). You may submit a request to exercise your Right to Limit via email at privacy@withparallax.com.

Only you, or your properly authorized agent, may make a Right to Limit Request using the methods described above.  If you change your mind after making a Right to Limit request, you may contact us at any time to opt-in to the use or disclosure of your sensitive personal information as described above.

12.6 ADDITIONAL INFORMATION REGARDING CHILDREN UNDER 16  YEARS OF AGE
Parallax does not knowingly sell or share the personal information of children under 16 years of age.

12.7 NON-DISCRIMINATION
We will not discriminate against you for exercising any of your CCPA/CPRA rights. We will not unlawfully:
• Deny you goods or Services.
• Charge you different prices or rates for goods or Services, including through granting discounts or other benefits, or imposing penalties.
• Provide you a different level or quality of goods or Services.
• Suggest that you may receive a different price or rate for goods or Services or a different level or quality of goods or Services.
• Retaliate against an employee, applicant for employment, or independent contractor for exercising their rights under this title.

13. CONTACT US
If you have any questions or concerns about our Privacy Policy or information practices, please feel free to contact us at privacy@withparallax.com.