Scope

This General Privacy Policy (the “Privacy Policy”) is provided by ClaimsFiler.com, a wholly-owned subsidiary of skyMedia LLC. (“ClaimsFiler.com,” “ClaimsFiler,” “we,” and/or “us”).

This Privacy Policy applies to the Personal Information you provide to us or that we collect through our websites, including https://www.claimsfiler.com, (the “Site”), https://member.claimsfiler.com, (the “Member Site”) and through our other online services, websites, applications, and related services that link to this Privacy Policy (collectively with the Site, the “Services”). By accessing or using our Services, you agree to the collection, use, and processing of your Personal Information as set forth in this Privacy Policy.

In this Privacy Policy, “Personal Information” means any information relating to an identified or identifiable individual.

Note that the Services are often accessed or connected through other third-party service providers and their related applications and services (“Service Provider Application”), and this Privacy Policy only covers the information that ClaimsFiler collects, uses, and shares to provide the Services, and does not explain what a Service Provider Application does with any Personal Information we provide to them (or any other information they may collect about you separately from ClaimsFiler). This Privacy Policy also does not cover any websites, products, or services provided by others. We encourage you to review the privacy policies, terms of use, or notices of any Service Providers for information about their practices.

Personal Information We May Collect and Where It Comes From

Information You Provide To ClaimsFiler

When you connect your account to your relevant bank, financial institution, or other entity that provides your financial account (“Financial Account”) through our Service Provider Application, you may provide (ClaimsFiler may collect) the following categories of Personal Information:

• Authentication information, such as credentials, username, password, security questions and responses, Personal Identification Numbers (PINs), multi-factor authentication responses, security tokens, and/or other information required to authenticate you to connect your Financial Account(s) through our Service Provider Application is not collect by ClaimsFiler.com.
• Product and service information, such as registration and payment information, first name, last name, address, email, phone number.
• Professional information, including information about your employer and income.

Information We Collect From Your Financial Account

After you have successfully connected your Financial Account(s) through Service Provider Application, we will access and collect information from your Financial Account on your behalf. We will collect the following categories of Personal Information from your Financial Account, which includes information from all accounts accessible through a single set of credentials to a Financial Account:

• Account identifying information, including, account name, financial institution name, paccount type, account ownership, account number;
• Balance information, including current and available Financial Account balance;
• Investment account information, including transaction information, type of asset, identifying details about the asset, quantity, price, fees, and cost basis;
• Identifying information about the account owner(s), including name, email address, phone number, date of birth, and address information; and
• Transaction information, including merchant, amount, date, payee, type, quantity, price, location, involved securities, and a memo or description of the transaction.

Information We Collect From Your Devices

When you use the Services on your device (e.g., computer, phone, tablet) we may automatically collect information about your use of the Services, including via cookies and similar technologies (collectively “cookies”), such as internet protocol (IP) address, device location, time zone setting, hardware model, operating system, the features within our Services you access, browser data, and other technical information about the device. Please review our Cookie Policy for more information about how we use cookies and your options related to cookies.

Information We Receive About You From Other Sources

When you use the Services in connection with a Service Provider Application or in the process of connecting your Financial Accounts, we may receive identifiers and commercial information about you directly from a Service Provider Application, or other third parties including our service providers and identity verification services. For instance, Service Provider Applications may provide information to ClaimsFiler such as your full name, social security number, date of birth, email address, phone number, or information about your financial accounts and account transactions, and our financial institution partners or service providers may provide information such as the status of a transaction you have initiated.

How We Disclose And Use Information

We will use your Personal Information in a manner consistent with this Privacy Policy. Specifically, we will use the Personal Information we collect from you:

• To provide, maintain, improve, and enhance our Services;
• To verify your identity, which is required to give you access to our Services;
• To verify your accounts and establish the requested Service with the service provider(s) of your choice, including financial institutions, brokerage houses, technology providers, payment providers and credit card companies;
• If you subscribe to a Service requiring payment, to process the initial payment and all subsequent payments;
• To help us improve and personalize the content and functionality of our Services;
• To help us understand your usage of the Services to improve the Services;
• To communicate with you regarding customer service matters, questions and other various comments you may send to us;
• To inform you about products, services, offers, and events we offer or sponsor, and to provide news and other information we believe may interest you;
• To communicate various technical and administrative messages regarding the Services, including notices of technology updates;
• To generate de-identified and/or aggregated data that we may use for any lawful purpose;
• To offer you the option to participate in contests or surveys regarding the Services;
• Auditing related to a current interaction with the consumer and concurrent transactions;
• Debugging to identify and repair errors that impair existing intended functionality;
• Undertaking internal research for technological development and demonstration;
• To maintain legal and regulatory compliance;
• To enforce compliance with our Terms and Conditions and Policies; and
• For any other purpose disclosed to you at the time we collect or receive the Personal Information, or otherwise with your consent.

How We Share Your Information

We provide services to or utilize third-party services that may have access to your Personal Information for a variety of business purposes. We only provide your Personal Information to a third party after such third party has a signed a confidentiality contract with us, and we provide your Personal Information to such third parties only for our business purposes. The Personal Information you provide to us will be shared in the following circumstances:

• With your consent and at your discretion;
• With Service Provider Applications or our approved partners with whom you have enrolled for services;
• With third-party service providers that we employ to provide marketing, security, development, or other business processes, or to provide services on our behalf;
• When we reasonably believe such disclosure is required to comply with the law, an investigation, or other legal process, such as a court order or a subpoena; or
• To service providers, advisors, potential transactional partners, or other third parties in connection with the consideration, negotiation, or completion of a corporate transaction in which we are acquired by or merged with another company or we sell, liquidate, or transfer all or a portion of our assets.

We may use, share, or publicly disclose or otherwise process your information that has been de-identified, anonymized and/or, aggregated (so that it does not identify you personally) for any purpose permitted under applicable law, including for research and the development of new products.

How We Handle / Secure Your Information

Because we are trusted with your Personal Information, we have implemented administrative, technical, and physical security controls that are designed to safeguard your Personal Information. We maintain physical, electronic, and procedural safeguards that comply with applicable state and federal standards to guard your Personal Information held by us relative to the Services.

Please recognize that protecting your Personal Information is also your responsibility. We urge you to take every precaution to protect your Personal Information when you are on the internet and when you communicate with us and with other parties through the internet. Change your passwords often, use a combination of letters and numbers, and make sure you use a secure browser. If you have reason to believe that your interaction with us or our partners is no longer secure, please let us know immediately by contacting us as indicated in the Contact Us section below.

By using our Services, you agree that we may communicate with you electronically regarding security, privacy, and administrative issues relating to your use of our Services. If we learn of a security breach involving your Personal Information, we may attempt to notify you electronically by sending an email to you. If you have any questions about the security of your Personal Information, please email us at [email protected]

Our Legal Basis for Handling Your Information

Some jurisdictions require us to disclose the legal basis on which we rely to use or disclose your Personal Information. To the extent those laws apply, our legal bases are as follows:

• Consent: Where required by law, and in some other instances, we handle your Personal Information on the basis of your consent.
• Our contractual obligations to you: Our handling of your Personal Information is to meet our contractual obligations to you, or to take steps at your request in anticipation of entering into a contract with you. Our contractual obligations to you may include the creation of your account and the provision of the Services to you.
• We have a legal obligation to use your Personal Information: For example, we may use your Personal Information to comply with tax and accounting obligations, or with a court order.
• Legitimate Business Interest: We handle your Personal Information to provide you with our Services and to accomplish our legitimate business purposes (e.g., to improve our Services and for product development purposes). We only rely on our or a third party’s legitimate interests to process your Personal Information when these interests are not overridden by your rights and interests.

International Visitors

Our Services are hosted in the United States. If you choose to use the Services from or other regions of the world with laws governing data collection and use that may differ from United States law, then please note that you are transferring your Personal Information outside of those regions to the United States for storage and processing. Also, we may transfer your Personal Information from the United States to other countries or regions in connection with storage and processing of data, fulfilling your requests, and operating the Services.

European Visitors

If you are located in the European Economic Area, Switzerland or the United Kingdom (“Europe”), we will comply with applicable data protection laws when transferring your Personal Information outside of your jurisdiction. Specifically, we may transfer your Personal Information to countries which have been found to provide adequate protection according to the competent authorities (such as the European Commission), rely on Binding Corporate Rules (“BCRs”) or use contractual protections for the transfer of Personal Information. For more information about how we transfer Personal Information outside of Europe, or to obtain a copy of the contractual safeguards we use for such transfers, you may contact us as specified below.

Children’s Privacy

You must be at least 18 years old to use our Services. We do not knowingly direct our Services to individuals under 18 years old (“Minors”), nor do we knowingly collect, use, or disclose Personal Information about Minors who use our Services. If you use our Services, you represent that you are at least the age of majority under the laws of the jurisdiction of your place of residence. If you believe a Minor has provided us with Personal Information, please alert us at [email protected]. If we learn that we have collected Personal Information from a Minor, we will promptly take steps to delete such information.

Data Retention

We will retain your Personal Information for as long as necessary for the business or commercial reason(s) for which it was obtained or as specified by any ongoing retention requirements found in the law. The manner in which we review our retention requirements for our customers is: (i) the length of time and type of service with our client and provide the Services; (ii) whether there is a legal obligation to which we are subject; and (iii) whether retention is advisable in light of our legal position (such as in regard to applicable statutes of limitations, litigation or regulatory investigations).

Data Deletion

You may, at any time, cancel your ClaimsFiler.com account, any associated email address and access to the ClaimsFiler.com Services by visiting your profile page and requesting an Account Deletion. Upon deleting your account, ClaimsFiler.com will remove all of your personal, portfolio, and transactional data. This information can not be restored.

Updates To This Privacy Policy

We may revise this Privacy Policy or our practices with respect to how we collect, use, and process Personal Information at any time and in our sole discretion. If we make any material changes to how we treat our customers’ Personal Information, we will attempt to notify you by email to the primary email address specified in your account, through a notice on our website’s home page, or through other means. You are responsible for ensuring we have an up-to-date, active email address by which to contact you. You are advised to review this Privacy Policy periodically for any changes. Your continued use of our Services after such modifications will constitute your acknowledgment of the modified Privacy Policy and your agreement to abide and be bound by the modified Privacy Policy. Changes to this Privacy Policy are effective when they are posted on this page.

Contact Us

Questions regarding this Privacy Policy, our information practices or other aspects of privacy in connection with the use of our Services should be directed to our Data Privacy Officer, who can be reached by email at [email protected].

ClaimsFiler Headquarters:
1100 Poydras Street, Suite 3200
New Orleans, LA 70163
(504) 648-1855