Privacy Policy

1. Introduction

SettlePay ("we," "our," or "us") respects your privacy and is committed to protecting your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our mobile application ("App").

2. Information We Collect

2.1 Information You Provide to Us

• Account Information: When you create an account, we collect your email address and any other information you choose to provide.
• Profile Information: Information you provide to help us determine which settlements you may qualify for, such as demographic information, purchase history, or other relevant details.
• Communication Data: If you contact us, we may collect your name, email address, phone number, and the contents of your message.
• Payment Information: If you purchase a subscription, payment information is processed by third-party payment processors (Apple App Store). We do not store your complete payment card information.

2.2 Information Collected Automatically

• Device Information: We collect information about your mobile device, including device type, operating system, unique device identifiers, and mobile network information.
• Usage Data: We collect information about how you interact with the App, including the features you use, the settlements you view, and the time and date of your activities.
• Log Data: Our servers automatically record information created by your use of the App, including IP address, browser type, and referring/exit pages.
• Location Data: We may collect general location information (city/state level) to provide you with relevant settlement information for your area. We do not collect precise GPS location.

2.3 Information from Third-Party Services

• Apple Sign-In: If you authenticate using Apple Sign-In, we may receive your name and email address (or a private relay email) as permitted by your Apple ID settings.
• Analytics Services: We use third-party analytics services to help us understand how users interact with our App.

3. How We Use Your Information

We use the information we collect to:

• Provide, maintain, and improve the App
• Identify class action settlements you may qualify for
• Send you notifications about new settlements and updates
• Process your subscription payments
• Respond to your comments, questions, and customer service requests
• Send you technical notices, updates, security alerts, and support messages
• Communicate with you about products, services, offers, and events
• Monitor and analyze trends, usage, and activities in connection with the App
• Detect, prevent, and address technical issues and fraudulent or illegal activity
• Comply with legal obligations

4. How We Share Your Information

We may share your information in the following circumstances:

4.1 With Your Consent

We may share your information with third parties when you give us explicit consent to do so.

4.2 Service Providers

We may share your information with third-party service providers who perform services on our behalf, such as:

• Cloud hosting providers (server infrastructure)
• Analytics providers
• Customer support services
• Payment processors
• Push notification services

4.3 Legal Requirements

We may disclose your information if required to do so by law or in response to valid requests by public authorities (e.g., a court or government agency).

4.4 Business Transfers

If we are involved in a merger, acquisition, or sale of assets, your information may be transferred as part of that transaction.

4.5 Aggregated or De-Identified Information

We may share aggregated or de-identified information that cannot reasonably be used to identify you.

5. Data Retention

We retain your personal information for as long as necessary to fulfill the purposes outlined in this Privacy Policy, unless a longer retention period is required or permitted by law. When we no longer need your information, we will securely delete or anonymize it.

6. Data Security

We implement appropriate technical and organizational security measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction. These measures include:

• Encryption of data in transit and at rest
• Regular security assessments
• Access controls and authentication
• Secure server infrastructure

However, no method of transmission over the Internet or electronic storage is 100% secure. While we strive to protect your information, we cannot guarantee absolute security.

7. Your Privacy Rights

7.1 Access and Update

You can access and update certain information through your account settings in the App.

7.2 Delete Your Account

You may request deletion of your account and personal information by contacting us at lifechangedtonight@gmail.com. We will respond to your request within 30 days.

7.3 Opt-Out of Communications

You can opt out of receiving promotional emails by following the unsubscribe instructions in those emails. You can opt out of push notifications through your device settings.

7.4 California Privacy Rights

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

• The right to know what personal information we collect, use, and disclose
• The right to request deletion of your personal information
• The right to opt-out of the sale of your personal information (Note: we do not sell your personal information)
• The right to non-discrimination for exercising your privacy rights

To exercise these rights, please contact us at lifechangedtonight@gmail.com.

8. Children's Privacy

The App is not intended for children under the age of 18. We do not knowingly collect personal information from children under 18. If you are a parent or guardian and believe we have collected information about a child under 18, please contact us immediately, and we will delete such information.

9. International Data Transfers

Your information may be transferred to and maintained on servers located outside of your state, province, country, or other governmental jurisdiction where data protection laws may differ. By using the App, you consent to such transfers.

10. Third-Party Links

The App may contain links to third-party websites or services. We are not responsible for the privacy practices of these third parties. We encourage you to read their privacy policies.

11. Push Notifications

We may send you push notifications about new settlements, updates, and other relevant information. You can disable push notifications at any time through your device settings.

12. Cookies and Tracking Technologies

We may use cookies, web beacons, and similar tracking technologies to collect information about your browsing activities. You can control cookies through your browser settings.

13. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. We will notify you of any material changes by posting the new Privacy Policy on this page and updating the "Last Updated" date. We encourage you to review this Privacy Policy periodically.

14. Do Not Track Signals

Some web browsers have a "Do Not Track" feature. Currently, we do not respond to "Do Not Track" signals.

15. Data Controller

SettlePay is the data controller responsible for your personal information collected through the App.