Privacy Policy

As of: Jun 21st, 2024

1. SCOPE

Invisible Platforms, Inc. (company) and its affiliate companies or sites such as getinvisible.com, invisiblefinance.com, refibot.com and insurbot.com (“Invisible”, “we”, “us” or “our”) take your privacy very seriously. Please read this privacy policy (“Privacy Policy”) carefully as it contains important information on who we are and our information practices, meaning how and why we collect, use, disclose, sell, share, store, and retain your personal information. It also explains your rights in relation to your personal information and how to contact us in the event you have a complaint or request.

This Privacy Policy applies to information we collect through electronic or digital means, including our website at getinvisible.com, invisiblefinance.com, refibot.com and insurbot.com (collectively referred to in this policy as our “Digital Properties”), and your use the products or services offered by us (“Services”). [This Privacy Policy is applicable to consumers in the United States and we maintain separate privacy policies for our US employees and applicants.]

Our Digital Properties may contain links to third party sites or are hosted on platforms or devices that are not owned or controlled by us. Please be aware that we are not responsible for the privacy or other practices of such other sites. We encourage you to be aware when you leave our Digital Properties and to read the privacy statements of each and every website that you visit.

Please note that your use of our Digital Properties is also subject to our Terms of Use [Services] which incorporates this Privacy Policy.

STATE-SPECIFIC PRIVACY INFORMATION

For Residents of California, Colorado, Connecticut, and Virginia, please see privacy-related information below under Your State Rights Privacy Information.

2. INFORMATION WE COLLECT

2.1 Information You Provide Us. You can provide information to us through various means using our Digital Properties (including to our service providers or other parties who collect it on our behalf). We collect both personal information, which is information that identifies you as an individual or relates to an identifiable individual, and non-personal information. The information we collect may include the following: name, address, telephone number, email address, professional information (such as your job title, department or job role), and contact preferences.

2.2 Information Collected Automatically We collect certain information automatically as you use our Digital Properties, including your IP (Internet Protocol) address, browser type, computer or mobile device type, the carrier for your mobile device, your computer operating system, the version of the Digital Properties that you access, the site from where you navigated to our Digital Properties, the time and date of using the Digital Properties, whether you are a repeat visitor, how long you use the Digital Properties and the pages that you view. We may derive your approximate location from your IP address.

2.3 App Usage Data. When you download and use any of our mobile applications, we and our service providers may track and collect app usage data, such as the date and time the app on your device accesses our servers.

2.4 Cookies When you visit or use our Digital Properties, we send one or more “cookies” to improve our interactions with you. A cookie is a small file containing a string of characters that is sent to your computer or device when you visit a website. When you visit the website again, the cookie allows that site to recognize your browser. Cookies may store unique identifiers, user preference opt-outs must be performed on each device and browser that you wish to have opted-out. You must separately opt out in each browser on each device. To find out more information about Cookies generally, including information about how to manage and delete Cookies, please visit https://www.allaboutcookies.org/. You may opt-out of most cookies though available links on our website [link to cookie preferences] and as described in Section 4.2 (Advertising and Third Party Advertisers]. You can also reset your browser to refuse or restrict most cookies or to indicate when a cookie is being sent. However, some website features or services may not function properly without cookies. At this time, we do not respond to browser 'do not track' signals. (For more information on how we use Cookies and similar technologies, please see our Cookie Policy.)

2.5 Pixel Tags. We may use "pixel tags," which are small graphic files that allow us to monitor the use of our Website. A pixel tag can collect information such as the IP address of the computer that downloaded the page on which the tag appears; the URL of the page on which the pixel tag appears; the time the page containing the pixel tag was viewed; the type of browser that fetched the pixel tag; and the identification number of any cookie on the computer previously placed by that server. We may use "format sensing" technology, which allows pixel tags to let us know whether you received and opened our email.

2.6 Other Sources. We may receive information about you from other sources, such as public databases, commercially available sources, services providers, advisors and agents, advertising networks, data analytics providers, internet services providers, operating systems and platforms, government entities, and other third parties.

As part of your relationship with us, and to provide you with the services or products you requested, you acknowledge, agree, and consent that:

We use Method Financial ("Method"), a third party service, to validate your identity and prevent fraud using information from your wireless carrier. Solely for those purposes, you agree that we can provide information about you to Method or its service provider(s), and that your wireless carrier may disclose information about you to Method or its service provider(s); and
You authorize and direct Method to act on your behalf to access, obtain, and transmit the Enhanced Data from your financial institutions, lenders, creditors, and service providers, or any of their third parties, and you consent to Method sharing the Enhanced Data with us. Your authorization, direction, and consent remains effective for the duration of your business relationship with us, solely for the purpose of providing you with services or products that you may request from us from time to time.

2.7 Aggregated Information. We may use deidentified and/or aggregated information that can no longer be reasonably linked to you or your device from the information we collect. Deidentified and/or aggregated information is not subject to this Privacy Policy, and we may use and disclose such information in a number of ways, including research, internal analysis, analytics, and any other legally permissible purposes.

3. USE OF INFORMATION

3.1 To Provide Products, Services and Information. We collect information from you so that we can provide products and services that you purchase, or other requests using the Digital Properties and information that you request from us. For example, we use your personal information to:

communicate with you regarding our Services
respond to your requests or inquiries
register you for accounts on the Services
process payments
address legal matters
prevent, investigate, identify, stop, or take any other action with regard to suspected or actual fraudulent or illegal activity, claims or other liabilities, or any activity that violates our policies.

3.2 Our Business Purposes. We may use your information for our business purposes such as data analysis, research, audits, fraud monitoring and prevention, developing new products and services, enhancing, improving or modifying our Digital Properties, identifying usage trends, determining the effectiveness of our promotional campaigns and operating and expanding our business activities.

We may also use any of the personal information we collect to generate and use deidentified or aggregated information about our customers for commercial purposes.

3.3 Marketing Communications. We may use your information to send you marketing communications that we believe be of interest to you, to determine the effectiveness of our marketing and promotional campaigns, to better understand you and your preferences, and to position and promote our services and products. Our marketing will be conducted in accordance with your advertising/marketing preferences and as permitted by applicable law. You can always opt-out of receiving marketing emails by using the opt-out feature provided with the email communications. You can also opt-out of interest based advertising as described in Section 4.2 (Advertising and Third Party Advertising).

3.4 Compliance with Law. We may process or use your personal data where necessary for the establishment, exercise, or defense of legal claims, whether in court proceedings or in an administrative or out-of-court procedure.

3.5 Other Purposes. In addition to the other uses outlined in this Privacy Policy, we may process and use personal information about you for the purposes of obtaining or maintaining insurance coverage, managing risks, or where necessary for compliance with legal obligations, in order to protect your vital interests or the vital interests of another natural person, or to help improve the safety and reliability of our Services including detecting, preventing, responding to fraud, abuse, security risks, and technical issues.

If you choose to limit our collection or use of your personal information, some or all of our services may not be available to you, and we may not be able to respond to certain of your requests.

4. DISCLOSURE OF INFORMATION

4.1 Our Third Party Service Providers. We may share your information with our third party service providers and agents who provide services such as website hosting, data analysis, order fulfillment, information technology and related infrastructure provision, customer service, email delivery, text messaging, credit card or other payment processing, auditing and similar services. We only allow our service providers to handle your personal information if we are satisfied they take appropriate measures to protect your personal information. We also impose contractual obligations on service providers relating to ensuring they can only use your personal information to provide services to us and to you. We may also share personal information with external auditors, for accreditation and the audit of our accounts.

4.2 Advertising and Third Party Advertisers. We may use third-party advertising companies to serve advertisements regarding goods and services that may be of interest to you when you access and use our Digital Properties and other websites and online services, based on information relating to your access to and use of our Digital Properties and other websites and online services on any of your devices, as well as on information received from you and from third parties. To do so, these companies may place or recognize a unique cookie on your browser (including through the use of pixel tags), and they may also use the information to measure the effectiveness of ads. In addition, they may use these technologies, along with information they collect about your online use, to recognize you across the devices you use, such as a mobile phone and a laptop. We may share Digital Properties usage and other information with third party advertisers and partners for the purpose of effectively targeting our online advertisements unless you opt-out. Please note that certain state laws provide that consumers can opt-out of the "sale" and “sharing” of their personal information as described in Your State Rights section below.

You can learn about these advertising practices at www.aboutads.info and opt out of them in desktop and mobile browsers on the particular device on which you are accessing this Privacy Policy by visiting the Digital Advertising Alliance’s (DAA) consumer opt-out page at http://optout.aboutads.info. You may download the AppChoices app at www.aboutads.info/appchoices to opt out in mobile apps.

4.3 Legal Requests or Requirements and to Prevent Harm. We reserve the right to disclose your personal information as required by law and when we believe that disclosure is necessary to protect our rights and/or to comply with a judicial proceeding, court order, or legal process. We may also share personal information when we have a good faith belief it is necessary to prevent fraud or other illegal activity, to prevent imminent bodily harm, or to prevent harm to or protect our rights or property, the Digital Properties, our customers, employees, and others. This may include sharing information with other companies, lawyers, courts, or other government entities.

4.4 Transfer in the Event of Sale or Change of Control. If the ownership of all or substantially all of our business changes or we otherwise transfer assets relating to our business or the Digital Properties to a third party, we may transfer your personal information to the new owner(s).

4.5 Related Companies. We may share your personal information with our affiliates or subsidiaries, if any, so that they can help provide or support our Services, service your account, or troubleshoot concerns, or support other legitimate business operations.

4.6 Other Sharing of Non-Personally Identifiable Information. We may share non-personally identifiable information with third parties for any purpose, except where we are required to do otherwise under applicable law.

5. DATA SECURITY

We seek to use physical, technical and administrative security measures designed to protect your personally identifiable information. However, no data transmission or storage system can be guaranteed to be 100% secure. If you have reason to believe that your interaction with us is no longer secure (for example, if you feel that the security of any account you might have with us has been compromised), please immediately notify us at contact@invisiblefinance.com.

You should take steps to protect against unauthorized access to your password, phone, and computer by, among other things, signing off after using a shared computer, choosing a robust password, and keeping your log-in and password private. We are not responsible for any lost, stolen, or compromised passwords or for any activity on your account via unauthorized password activity.

6. INTERNATIONAL TRANSFERS

Your personal information may be transferred to, and processed in, countries other than the country in which you are resident. These countries may have data protection laws that are different to the laws of your country.

Our website servers are located in the United States and our third party service providers and partners operate around the world but with our data stored in the United States. The Services are hosted and operated in the United States (“U.S.”) through AWS and its service providers, and if you do not reside in the U.S., laws in the U.S. may differ from the laws where you reside. By using the Services, you acknowledge that any personal information about you, regardless of whether provided by you or obtained from a third party, is being provided to us in the U.S. and will be hosted on U.S. servers, and you authorize us to transfer, store and process your information to and in the U.S., and possibly other countries. In some circumstances, your personal information may be transferred to the U.S. pursuant to a data processing agreement incorporating standard data protection clauses.

7. RETENTION OF PERSONAL INFORMATION

To the extent required by applicable law, we retain personal information for as long as necessary to provide our products and services and fulfill the transactions you have requested, or for other business purposes such as complying with our legal obligations, resolving disputes and enforcing our agreements. Because these factors vary for different types of personal information, actual retention periods may vary. The criteria we use to determine the appropriate retention periods take into account how long the personal information is needed to provide our products and services, the applicable statute of limitations and records retention requirements under applicable law.

8. PERSONAL INFORMATION OF MINORS

We do not knowingly collect or solicit personal information about children under 16 years of age; if you are a child under the age of 16, please do not attempt to register for or otherwise use the Digital Services or send us any personal information. If we are informed that we have collected personal information from a child under 16 years of age, we will delete that information as quickly as possible. If you believe that a child under 16 years of age may have provided personal information to us, please contact us at contact@invisiblefinance.com.

9. YOUR STATE PRIVACY RIGHTS AND ADDITIONAL DISCLOSURES

The following section sets forth privacy information relevant to residents of California, Colorado, Connecticut and Virginia, including (1) personal information we have collected, used and shared about you, and (2) your Privacy Rights under the laws of these states. Capitalized terms used but not otherwise defined in this section have the meaning associated with the term under the applicable state privacy law.

Notice at Collection: For the 12-month period prior to the date of the Privacy Policy, we have collected the following categories of Personal Information, and have identified why it is needed, and with whom we have shared it:

TYPE OF PERSONAL DATA

Profile or Contact Data

Name, Email, addresses, phone numbers, other unique identifiers

Device/IP Data

IP Address

Device IP Type of device/operating system/browser used to access the Services, and other “Information Collected Automatically”

General Geolocation Data

IP-Address-based location information

Additional Data Subject to Cal. Civ. Code § 1798.80: signature, physical characteristics or description, credit card number, debit card number, or other financial information, and medical information;

Other Identifying Information that You Voluntarily Choose to Provide

Sensory Data

Sensitive Personal Information –

Account log-in data in combination with a security or access code, password or credentials to enable access to your account(s).

We do not “sell” or “share” (as such terms are defined by the CCPA) this information.

PURPOSE FOR COLLECTION AND PROCESSING (INCLUDING BUSINESS AND COMMERCIAL PURPOSES

To provide you with products and services
To communicate with you
For safety and security purposes

Recordings (voice/audio) of your environment

To provide you with products and services
To communicate with you
For safety and security purposes

CATEGORIES OF RECIPIENTS

Service Providers
Advertising Partners
Analytics Partners
Parties You Authorize, Access or Authenticate

Service Providers

9.1 Important Additional Information for California Residents

If you are a California resident, the California Consumer Privacy Act (“CCPA”) provides you with the following rights with respect to your personal information. Under the CCPA, "personal information" is any information that identifies, relates to, describes, is reasonably capable of being associated with, or could reasonably be linked, directly or indirectly, with a particular California resident or household.

Right to Non-Discrimination. We do not discriminate against California residents for exercising their rights under the CCPA.
Right to Opt-Out of Sale of Personal Information. California residents have the right to opt-out of the “sale” of their personal information. Please note that under the CCPA, a “sale” includes disclosing or making available personal information to a third-party in exchange for monetary compensation or other benefits or value. Click the “do not sell or share my personal information” to opt out of the sale of your personal information.
Right to Opt-Out of the Sharing of Your Personal Information. California residents have the right to opt out of a business sharing your personal information with third parties. We may engage in “sharing” under the CCPA, which is broadly defined as disclosing personal information for purposes of cross-context behavioral advertising, including instances where companies target advertising based on personal information obtained from a consumer’s activity across distinctly branded websites or services. We share information as outlined in Section 4. Click the “do not sell or share my personal information”[link] to opt out of the sharing of your personal information.
Right to Correct. California residents have the right to request correct inaccurate personal information. We will use commercially reasonable efforts to correct your information as directed by you or provide you with instructions on how you can correct your information.
Right to limit use of Sensitive Personal Information. The CCPA allows you to limit certain uses and disclosures of your sensitive personal information to certain purposes specified by law (e.g. provide you with services you request or prevent fraud, or for other purposes that don’t involve deriving your attributes). Because of our limited use of your sensitive personal information, we are not required to offer you this opt-out right.
Right to Opt-In. We do not sell or share personal information about residents who we know are younger than 16 years old without opt-in consent.
Verifiable Requests to Delete and Requests to Know. Subject to certain exceptions, California residents have the right to make the following requests, at no charge, up to twice every 12 months:
- Right of Deletion: California residents have the right to request deletion of their personal information that we have collected about them, subject to certain exemptions, and to have such personal information deleted, except where necessary for any of a list of exempt purposes.
- Right to Know – Right to a Copy: California residents have the right to request a copy of the specific pieces of personal information that we have collected about them in the prior 12 months and to have this delivered, free of charge, either (a) by mail or (b) electronically in a portable and, to the extent technically feasible, readily useable format that allows the individual to transmit this information to another entity without hindrance.
- Right to Know – Right to Information: California residents have the right to request that we provide them certain information about how we have handled their personal information in the prior 12 months, including the:
  - categories of personal information collected;
  - categories of sources of personal information;
  - business and/or commercial purposes for collecting and selling their personal information;
  - categories of third parties with whom we have disclosed or shared their personal information;
  - categories of personal information that we have disclosed or shared with a third party for a business purpose;
  - categories of personal information collected; and
  - categories of third parties to whom the residents’ personal information has been sold and the specific categories of personal information sold to each category of third party.

Submitting Requests. Requests to exercise these rights by contacting us via contact@invisiblefinance.com. We will respond to verifiable requests received from California consumers or authorized agents as required by law. When you submit a request to know or a request to delete, we will take steps to verify your request by matching the information provided by you with the information we have in our records. In some cases, we may request additional information in order to verify your request or where necessary to process your request. If we are unable to adequately verify a request, we will notify the requester. Authorized agents may initiate a request on behalf of a California individual (and we may confirm this request with the individual), and authorized agents will be required to provide proof of their authorization as permitted by applicable law.

Financial Incentives. We do not currently offer any financial incentive programs.

To the extent we process de-identified information, we will maintain and use the information in deidentified form and will not attempt to reidentify the information unless permitted by applicable law.

Do Not Track Disclosure. We do not have a mechanism in place for responding to browser ‘do not track” signals or other similar mechanisms used to limit collection of information for use in online behavioral advertising.

“Shine the Light” California Civil Code Section 1798.83, also known as “Shine The Light” law, permits California residents to annually request information regarding the disclosure of your Personal Information (if any) to third parties for the third parties’ direct marketing purposes in the preceding calendar year. We do not share Personal Information with third parties for the third parties’ direct marketing purposes.

9.2 Virginia, Colorado and Connecticut Privacy Rights

If you are a resident of Virginia, Colorado or Connecticut, the consumer privacy laws in those states provide you with the following rights with respect to your Personal Information:

Right to Access: You have the right to request to know the categories or specific pieces of Personal Information about you, and how it was collected, used, disclosed and sold.
Right of Deletion: You have the right to request deletion of your Personal information that we have collected about them, subject to certain exemptions.
Right to Correct: You have the right to request correct inaccurate personal information. Information, subject to certain exceptions.
Right to Opt-Out of the Sale or Sharing of Your Personal Information: You have the right to request opt out of a business processing your personal information for purposes of targeted advertising, the sale of personal information, and/or/ profiling in furtherance of decisions that produce legal or similarly significant effects.
Right to Appeal: If we deny your request, you have the right to appeal the decision. We will respond to appeals within 45-60 days, as required by the applicable state law.

Submitting Requests. Please see the above “Submitting Requests” paragraph requests to exercise these rights.

10. UPDATES TO OUR PRIVACY POLICY

We may update this Privacy Policy from time to time in response to changing legal, technical or business developments. If we make material changes to the way we collect, use, share or process the personal information that you provide, we will notify you by posting a notice of the changes in a clear and conspicuous manner on the Website, via the most recent email address we have on file for you, or via another communication channel where permitted by law.

11. ALTERNATIVE FORMAT

If you would like this notice in another format, please contact us.

12. CONTACTING US:

To exercise your rights, or if you have any questions about this Privacy Policy please send an email to contact@invisiblefinance.com. You may also contact us by writing to the following address:

Invisible Platforms, Inc.

2445 Augustine Dr, Ste 150

Santa Clara, CA 95054