Privacy Policy
Updated September 29, 2022
This “Privacy Policy” contains information regarding how Level Technologies, Inc. (“Level,” “We,” “Us,” or “Our”) collects and uses personal information. To make this Privacy Policy easier to read, our website, www.levelgoals.com, our mobile application (the “App”), and our other products and services are collectively called the “Platform.” We don’t share your personally identifiable information (“PII”) with anyone, except as specified in this Privacy Policy. PII generally includes, but is not limited to, a person’s name, address, email address, phone number, and any other information that is able to identify an individual.
If you have questions about deleting or correcting your personal data please contact our support team at success@levelgoals.com.
Collection and Use of Information
Your use of the Platform may result in certain PII collected or used by Level.
We may use the information collected for a variety of business-related purposes, including but not limited to:
- Process applications and transactions;
- Create accounts;
- Verify identity, including KYC;
- Communicate with applicants and account holders;
- Ensure legal and contractual compliance;
- Protect against fraud;
- Validate earning source data and/or check credit;
- Respond to customer service requests;
- Perform analytics concerning use of the Platform;
- Identify or market related product and service offerings
- Improve the Platform; and
- Carry out any other lawful purpose as may be disclosed at any time.
We may contact you via in-App message, in-Platform message, email, phone call, and/or transactional SMS to carry out these business-related purposes
We may share the information collected with:
- Non-financial service providers, such as identity verification and fraud prevention service providers;
- Financial service providers;
- Non-affiliated companies for Level’s everyday business purposes; and
- Others in the form of aggregated and de-identified data, which cannot reasonably be used to identify you.
Key third party service providers may include Amazon Web Services, Argyle, Alloy, Unit, Piermont Bank, Experian, Hubspot, Google Suite, Google Analytics, Stripe, and Plaid. Additionally, We may make available services through Hurdlr, Inc. (“Hurdlr”), which would gather and process end user’s data. By using our service, you agree to your personal and financial information being transferred, stored, or processed by Hurdlr in accordance with the Hurdlr Privacy Policy.
By using the Platform you consent to Level’s collection and use of information as specified below, as well as any other uses to which you may affirmatively consent:
a) Registration Information.
In order to utilize some of the Platform you will need to set up an “Account” with us. We require certain identifying information that will be linked to your Account, including your:
- First Name and Last Name,
- Mobile Number, and
- Email Address.
You will also create an Account password. We encourage you to exercise caution before voluntarily disclosing other types of PII about yourself, and prohibit you from disclosing any PII about another person, whether another account holder or not.
b) Verification and Compliance.
While users generally have the right to limit most information collected and shared via the use of the Platform, federal law requires the collection and verification of certain information as it relates to financial institutions, and certain other information may be necessary to perform the services. Specifically, in order to use the Platform, certain financial service providers must verify certain information in order to carry out financial transactions, which may include name, date of birth, social security number, and address.
Level may also collect public or non-public information about you in order to verify your identity, prevent fraud, or otherwise provide the Platform to you.
c) Linking User Earnings and Bank Account.
In order to link your User Bank Account and any Earnings Accounts to the Platform, third party service providers might use and verify certain information in order to carry out financial transactions. This information may include User Bank Account Username and Password.
d) Transaction Information.
By using the Platform, Level may collect your Transaction Information. “Transaction Information” includes but is not limited to User Bank Account and/or Earnings Accounts:
- Transaction Types,
- Transaction Amounts,
- Transaction Dates and/or Times, and
- Other details relating to the transaction.
Level may use Transaction Information, in an anonymized or aggregated format, to operate, provide, develop, and improve the Platform.
e) User Analytics
The Platform may automatically collect certain types of technical information, such as:
- Browser or Device Type,
- Language Preference,
- Referring Site,
- Operating System,
- Page Views, and
- Date and Time of Visit.
We use this information to better understand how our visitors use the Platform, and to maintain and improve the Platform.
We use Google Analytics to help us understand how our Users use the site. For more information about your PII and Google, please visit www.google.com/intl/en/policies/privacy.
f) Location Information & IP Addresses
Internet Protocol (“IP”) addresses indicate the location of your computer or mobile device on a network connected to the Internet. Using the Platform may result in the use of IP addresses for systems administration, troubleshooting purposes, and to prevent prohibited account sharing. While this may be used to infer an approximation of your location when using certain features of the Platform, we do not log IP addresses to track your location. If you are an account holder, we may link IP addresses to PII in order to monitor account sharing and prevent prohibited activity.
g) Data Aggregation
In addition to the other uses described in this Policy, you agree that we may extract and use information from the information you disclose for the purposes of aggregating data in a non-identifiable method. This aggregated data may be used to improve the Platform or, without limitation, to develop, analyze, combine, or publish the aggregated data for commercial purposes.
h) Cookies
Third party service providers may also place a cookie or similar file on your computer: (i) to customize your experience; (ii) to collect technical and navigational information; or (iii) for security purposes.
A cookie is a text file that is placed on the hard disk of your computer or mobile device by a server. Session cookies expire when you end your session and close your browser interface. Cookies cannot be used to run programs or deliver viruses to your computer or mobile device. Cookies are uniquely assigned to you, and can only be read by a server in the domain that issued the cookie to you. We use cookies to help us identify and track visitors, their usage of and preferences on our website. Visitors who do not wish to have cookies placed on their computers or mobile devices should set their browsers to “Refuse Cookies” before using our Platform, with the drawback that certain features of our Platform may not function properly without the aid of cookies.
i) Behavioral Advertising; Marketing
We may use your PII to provide you with targeted advertisements or marketing communications. We may also allow third parties to market related product and service offerings to you. Our and our third party partners’ marketing communications contain information about unsubscribing from such communications.
For more information about how targeted advertising works, you can visit the Network Advertising Initiative’s website at www.networkadvertising.org/understanding-online-advertising/how-does-it-work.
You can establish do not track settings by opting out of targeted advertising by visiting:
Facebook at www.facebook.com/settings/?tab=ads,
Google at www.google.com/settings/ads/anonymous, and
Digital Advertising Alliance’s online portal at www.optout.aboutads.info.
Protection of Certain Personally Identifiable Information
We take reasonably necessary measures to protect against the unauthorized access, use, alteration, or destruction of potentially PII. We disclose potential PII only on an as needed (or required) basis as follows:
- To our employees that: (a) need to know that information in order to process it on our behalf or to provide the Platform; and (b) that have expressly agreed not to disclose it to others. Note that some of those employees, and contractors may be located outside of your home country; by using the Platform you consent to the transfer of such information to them.
- As required by law, such as to comply with a subpoena or similar legal process. To the extent we are legally permitted to do so, we will take commercially reasonable steps to notify you in the event that we are required to provide your personal information to third parties as part of a legal process.
- When we believe in good faith that disclosure is necessary to protect our rights, protect your safety or the safety of others, investigate fraud, or respond to a written government request
- If we become involved in a merger, acquisition, or any form of sale of some or all of its assets. In such an event, we will ensure that the acquiring organization agrees to protect personal information in accordance with the commitments we have made in this Privacy Policy, and that the acquiring organization will provide notice before personal information, customer information, or business information becomes subject to a less privacy-forward privacy notice.
- To any other third party with your prior consent to do so.
Feedback & Support
If you send us a request (via success@levelgoals.com), we reserve the right to publish it (taking commercially reasonable efforts to remove unnecessary PII) in order to help us clarify or respond to your request or to help us support other users (e.g., create a FAQ database).
We may provide technical support to service your Account with us. In order to do so, we may use certain PII, with your consent, to access your Account for the purpose of troubleshooting, running tests, and/or otherwise providing support. In providing technical support to you, we may potentially see other PII viewable on your Account pages. As with all other information, we will hold any information we encounter in the process of providing support to the highest possible security and protection standards.
Accessing and Updating your Personal Information
To review, access, or update your personal information to review its accuracy or request deletion, please contact us at success@levelgoals.com.
We will make commercially reasonable efforts to provide you with reasonable access to any of your personal or other account information held by Level within 45 days of your verified request. We provide this access so you can review, make corrections, or request deletion of your information. If we cannot honor your request within the 45-day period, we will tell you when we will be able to provide access. In the unlikely event that we cannot provide you access to your information, we will explain why we cannot do so.
Please note that any changes you make will be reflected in our active user database within a reasonable time, however we may retain information you submit for backups, archiving, prevention of fraud, to satisfy legal obligations, or where we otherwise reasonably believe there is a legitimate reason to do so.
You can opt out of receiving marketing communication we send you at any time. You can exercise this right by clicking on the “unsubscribe” link in the emails we send you or by contacting success@levelgoals.com
Additional information for California Residents
If you are a California resident and use our Platform, you can request a notice disclosing certain information about the categories of personal information we have shared with non-exempt third parties for their direct marketing purposes during the preceding calendar year. To request such a notice, please contact success@levelgoals.com.
Additional information for International Users
If you are visiting this website and/or accessing the Platform from outside the United States, please be aware that you are sending information (including PII) to the United States where our servers are located. This information may be transferred within the United States or back out of the United States to other countries outside of your country of residence, depending on the type of information and how we store it. These countries (including the United States) may not necessarily have data protection laws as comprehensive or protective as those in your country of residence, however, our collection, storage and use of your PII will at all times be governed by this Privacy Policy.
EU and UK Users
If you are a resident of an Europe Union nation or the United Kingdom and use our Platform from within the EU or UK, you acknowledge that any information that we collect and store, for the limited purposes outlined above in this Privacy Policy, will be collected and stored outside of the EU or UK. For avoidance of confusion, references to “PII” in this policy are equivalent to what is commonly referred to as “personal data” in the EU or UK.
By accessing and using the Platform, you consent to the collection, use, disclosure, and processing of your personal information in the manner described in this Privacy Policy. We store data about or from you in the US. You understand that the US does not have the same level of protection for personal information that exists in other countries. Your consent is voluntary, and you may revoke your consent by opting out at any time. If you choose to opt-out, we can no longer provide you with the Platform. If you have enabled cookies on your web browser, you consent to our use of cookies as described in this Privacy Policy.
Security
To prevent unauthorized access, safeguard data accuracy, and maintain the appropriate use of information, we have put in place appropriate physical, technical, and administrative procedures to protect the PII you submit. We rely upon industry-leading third party service providers to assist with data security efforts, including use of data storage and encryption in Amazon Aurora DB clusters and identity management through Amazon Cognito.
We strive to ensure the integrity and security of our network and systems. However, since the Internet is not 100% secure and as new technology evolves and emerges, we cannot guarantee that our security measures will prevent third-party interference from illegally obtaining or tampering with your personal information.
We encourage you to help us by also taking precautions to protect your personal data when you use the Platform. Change your Account password often, using a combination of letters, numbers, and characters, and make sure you use a secure connection.
Privacy of Minors
Level does not promote or offer the Platform for use by anyone under the age of 18 (“Minors”), knowingly solicit or collect PII from Minors, and will not knowingly link to any third-party website or platform that solicits or collects PII from Minors. If you believe that a Minor has disclosed PII to us or that we have linked to such a third-party or user website or platform, please contact us.
Business Transfers
If our ownership substantially changes, such that all of its assets were acquired, or merged into another entity, or in the unlikely event that we enter bankruptcy, you understand that any stored personally identifying, and non-personally identifying information and data will likely be one of the assets that is transferred or acquired by a third party. You acknowledge that such transfers may occur, and that any acquirer or our merging entity may continue to use your personal information as set forth in this policy.
Privacy Policy Changes
We may change or modify this Privacy Policy from time to time, at our sole discretion. We encourage you to frequently check this page for any changes to our Privacy Policy.