Privacy Policy

Last Updated June 1, 2023

As a financial technology company, we’re providing this Global Privacy Statement (“Privacy Statement”) to explain how we, Nonprofit Central, Inc., doing business as MoneyMinder (collectively “MoneyMinder,” “we,” “us,” or “our”), collect, use, share, or otherwise process information that we collect through our services. These services include, as applicable, our websites, mobile applications, social media pages, marketing activities, and other activities described in this Privacy Statement, or when other organizations provide us your personal information (collectively, the “Services”). This Privacy Statement is global, meaning it applies to all MoneyMinder Services. We may provide additional or supplemental privacy statements for certain products or services.

This Privacy Statement describes our privacy practices when we process:

Organization information for the purposes of preparing a tax return or in connection with the preparation of a tax return (collectively, “Tax Preparation Information”) as part of providing tax preparation e-file services;
Personal information for the purposes of providing the benefits of our websites and the MoneyMinder platform, which includes all of MoneyMinder’s services, sites, experiences and software (including through our mobile applications and desktop applications) other than Tax Preparation Information (the “MoneyMinder Platform”); and
Personal information as necessary to manage, run, improve, and develop our business and personalize your experience while interacting with the MoneyMinder Platform.

MoneyMinder determines the purposes and means of the processing of your personal information as described in this Privacy Statement, and therefore acts as a ‘data controller’ (or equivalent/similar terms under applicable data privacy laws) of such information.

The MoneyMinder Platform and your personal information

When we say “platform,” we are referring to when you choose to share data with us or bring over information from third parties (like a bank or merchant service account).

Personal information we collect

The personal information that we collect or otherwise receive about you depends on the context of your interactions with MoneyMinder, how you configure your account, and the choices you make, including your privacy settings. The way we process your personal information may also depend on the particular services, functionalities, or experiences you use, your location, and applicable law.

Information you provide to us

You may provide us with your personal information as follows:

Contact data and account profile data. We collect information when you (or your organization) create an account, activate a subscription, and/or upload information to the MoneyMinder Platform. Personal information may include your name, previous name(s) and/or nicknames, title and honorifics, professional title and company name, education, billing and mailing addresses, phone number and email address, profile photo, billing information (your payment information), purchase history, demographic information, preferences, subscription data, and your username and account credentials.
Communications, feedback and survey data, and related data. We may collect personal information such as your name, email address, telephone number and any other personal information you choose to share when you reach out to us for support, give us feedback, participate in optional surveys, attend our events, participate in product research or training, or otherwise interact or communicate with us. This information may include: call center recordings and call monitoring records, chat and text records, voicemails, photographs, and video images.
Marketing data. You may provide us with your contact information and preferences for receiving our marketing communications.
Social and community content. We receive content you post on our social media pages and our community pages.
Business and financial information. We may receive information about your organization, your finances, expenses, invoices, financial statements, details of your financial transactions, payroll details, payment details, tax return details, details about your customers, members, donors, vendors, or employees, income and wage information, and/or investment information.
Interactions with experts. The MoneyMinder Platform provides opportunities for you to connect with live experts. When you interact with these experts, we may receive information about the questions you ask, the details of your accounts, and the guidance provided to you.
Device and contact data. If you grant permission in your device settings, certain features may have access to your device and contacts.

Third-party sources

We may receive personal information about you from other third parties where you have provided consent or where permitted by applicable law. We protect and process the personal information obtained from those third parties as described in this Privacy Statement, consistent with any additional restrictions imposed by the source of the information. Our third-party sources may vary over time and depend upon how you use the MoneyMinder Platform. For example, we receive information from:

Linked third-party services. If you choose to sync a non-MoneyMinder account/service with your MoneyMinder account, we will receive information from that account/service according to your settings with that account/service. This may include details of your bank account information, social media information, purchase history or your organization’s sales records through a point-of-sale application.
Supplemental information and identity verification providers. A third-party service provider may validate your contact information.
Content providers. We may receive personal information from companies that make user-generated content from their service available to others, such as local business reviews or public social media posts.
Government agencies. We receive information from government agencies, including from various tax agencies, such as your tax filing confirmation from the IRS.
Public information. We collect individual and household demographic information and preference information from publicly available sources, such as open government databases, social media platforms, and others.

Automatic data collection

We, our service providers, and our business partners may automatically log personal information about you, your computer or mobile device, and your interaction over time with the Services, such as:

Device information. We may collect information about your device(s) such as IP addresses, log information, error messages, device type, and unique device identifiers. For example, we may collect IP addresses from you as part of our sign-in and security features.
Usage information. We may collect information about your use of the MoneyMinder Platform, such as the pages you viewed, the services and features you used or interacted with, your browser type, and details about any links or communications with which you interacted.
Communication interaction data. We or our third-party service providers may collect information from email providers, communication providers and social networks, such as your interactions with our email, text, or other communications (e.g., whether you open and/or forward emails).
Online behavioral data. We may automatically collect certain personal information about your use and interactions with our websites, customers’ websites or e-commerce stores, social media websites, and marketing campaigns that we or our customers organize, including device information (such as your IP address and unique device IDs), page view information and search results, links, and if you are a customer contact, whether or not a campaign presented or sent to you using our offerings has been viewed, delivered, opened, clicked on, whether it has bounced or was treated as spam.

Cookies and similar technologies

MoneyMinder and our service providers may use commonly used tools such as cookies, web beacons, pixels, local shared objects, and similar technologies (collectively “cookies”) to collect information about you (“Cookie Information”) so we can provide the experiences you request, recognize your visit, track your interactions, and improve your and other customers’ experiences. You have control over some of the information we collect from Cookies and how we use it. Please see Your Personal Information Rights and Choices section for more information. For full details on how we use cookies and similar technologies please see our.

How we use personal information

We do not sell, trade, rent, or otherwise share for marketing purposes your Personal Information with third parties without your consent. We may use your personal information in a number of ways or as otherwise described at the time of collection:

Service delivery and operations. We may use your personal information to:

Provide you with the MoneyMinder Platform, create your account, and manage our relationship with you
Run and manage our business, including resolving billing and financial disputes
Evaluate your eligibility for marketing offers, products, and services
Provide features to you, such as Account Integration & IRS e-filing services
Provide a product or service that you have requested through the MoneyMinder Platform
Connect you with experts and other users
Understand your needs and interests, and personalize your experience with the Services and our communications
Provide you with support and resolve disputes
Authenticate your identity
Manage event registrations and attendance, including sending related communications to you

Research and development. We may use your personal information to:

Improve and develop our products and services by analyzing how they are used and interacted with, as well as by assessing the use of and interactions with our Platform and certain content our customers send or display through the Platform, including by conducting data analytics to develop insights about you, your needs, and your preferences, so we can make more informed predictions, recommendations, and products for our customers
Combine and anonymize information about your interactions with MoneyMinder to create aggregate, anonymized statistics for use in research (including by contracting with academic institutions) and for marketing, promoting, improving, and developing our platform

Marketing and advertising. We, our service providers and our third-party advertising partners may collect and use your personal information for marketing and advertising purposes to:

Market services, products, and experiences, including delivering gifts and promotional materials, product recommendations, and other non-transactional communications via email, post, SMS, or push notifications, in accordance with your marketing preferences.
Personalize your experience and tailor recommendations, advertising, and offers presented to you, including through the development of insights about you and your needs based on your interactions with the MoneyMinder Platform’s products, services, and offerings.

Compliance and protection. We may use your personal information to:

Protect against misuse or abuse of our Services and ensure compliance with our Terms of Service, including in relation to content our customers send or display through the Platform
Comply with legal and regulatory requirements
Protect the rights, property, safety, or security of the MoneyMinder Platform, our customers, employees, or others, and prevent fraudulent or illegal activity
Exercise our rights in the course of judicial, administrative, or arbitration proceedings
Enforce, remedy, or apply our Terms of Service or other agreements

With your consent. In some cases, we may specifically ask for your consent to use your personal information, such as when required by law.

We may process your personal information for other purposes that are compatible with the above purposes where permitted by applicable law.

Automated processing

To provide you with valuable personalized advice, recommendations and experiences, we may process your personal information using automated and manual (human) methods. These methods help our services learn and reason to improve our ability to personalize and enhance your experience in the MoneyMinder Platform.

Inferences

We may make inferences about you based on other personal information we have collected or otherwise received about you.

How we share your personal information

When you interact with our services.

We may share your personal information in the following circumstances:

When you connect with an MoneyMinder Platform partner. You may be provided with offers, products, and services from third-party companies who integrate with our MoneyMinder Platform (“Platform Partner”). If you choose to interact with a Platform Partner, apply for their services or offerings, or otherwise link or sync your account to a Platform Partner’s product or service, you consent and direct us to share your personal information to the Platform Partner providing the service or offering. For example, when we send your personal information to partners in order to generate offers for you to review, when we send your application information directly to our partners, or when we send you to the partner’s site for you to provide the information directly to them.

In some cases, if you click through to go to a Platform Partner’s site, you will automatically be sending your personal information to that Platform Partner. When this happens, you will still have to submit your application on the Platform Partner’s site. Remember that any information you provide to a Platform Partner, whether through us or on your own, will be subject to their privacy practices and terms and conditions.

For joint features, sales, promotions and events. With your consent we may share your personal information with third parties who are jointly providing features, sales initiatives, promotions or events with us.
When you publicly post the information. We may provide opportunities for you to publicly post reviews, questions, comments, suggestions, or other content that may include personal information, such as your name or username. Anything you share in a public forum is public, and you should think carefully before you decide to share.
With your wireless carrier. When you use your wireless device in connection with the MoneyMinder Platform, you authorize your wireless carrier to use or disclose information about your account and your wireless device, if available, to MoneyMinder or its service provider for the duration of your business relationship, solely to help them identify you or your wireless device and to prevent fraud.

Other circumstances.

We also share your personal information with third parties in the following circumstances:

With service providers or agents. We share personal information with our service providers or agents who provide services on our behalf for the purposes described in this Privacy Statement. Service providers or agents are required to implement reasonable privacy and information protection controls to maintain the privacy and security of information provided to them consistent with the privacy practices outlined in this Privacy Statement. Service providers or agents may include companies that assist us with our advertising, marketing, and sales efforts, help us with our technology offerings (such as a hosting, security or anti-fraud providers) and help us run our business.
For mergers and acquisitions. If we are involved with a merger, asset sale, financing, liquidation, bankruptcy, or the acquisition of all or part of our business to another company, we may share your personal information with that company and its advisors before and after the transaction date.
With our affiliates and subsidiaries and your right to limit information sharing. We may share your personal information with our affiliates and subsidiaries for everyday business purposes as described in this Statement, including for marketing purposes, for improving and developing our offerings, and for personalizing your experience on our Platform. Certain laws may provide you with the right to limit our information sharing activities in certain circumstances. Please review these rights in the “Region and state-specific terms” section below.
For advertising and analytics. MoneyMinder may use advertising networks and other providers to display advertising on our MoneyMinder Platform or to manage our advertising on other sites. Our advertising partners may place cookies on unaffiliated websites in order to serve advertisements that may be relevant to you based on your browsing activities and interests and determine the effectiveness of such advertisements. See also the “Region and state-specific terms” section below for additional information.

MoneyMinder responds to the Global Privacy Control signal for US residents, as described further in the United States section below. However, we do not respond to “Do Not Track” signals because there is no formal “Do Not Track” standard.

For legal reasons. We may share your personal information with third parties for legal reasons without your consent, and as permitted by law, including:

- When we reasonably believe disclosure is required in order to comply with a subpoena, court order, or other applicable law, regulation or legal process;
- To protect the rights, property, or safety of MoneyMinder, the MoneyMinder Platform, our customers or others;
- To protect or defend against attacks;
- To enforce, remedy, or apply our Terms of Service or other agreements;
- To prevent fraud, cybersecurity attacks or illegal activity;
- For debt collection; and
- With regulatory agencies, including government tax agencies, as necessary to help detect and combat fraud and/or protect our customers, users and/or the MoneyMinder Platform, or in required institutional risk control programs.

Your choices

At MoneyMinder, we believe that you have choices about information that pertains to you or your business.

We provide all customers with options to manage the privacy of their personal information.

Correct your personal information. You can edit and correct certain personal information at any time by changing it directly in our products and services.

Access your personal information. The system is not intended or for the purpose of managing the personal information of third parties or their members, volunteers, etc. We maintain the name of the organization and the email contact of the organization. We do not maintain any other personal information. Call us toll-free at 1 (877) 261-6470 if you need assistance with correcting access or deleting information.

Delete your personal information. You may ask us to delete your personal information by emailing your request to [email protected]

Manage marketing communications from us. To update your marketing communication preferences, you may also click unsubscribe at the bottom of the marketing emails. We do not sell or share any personal information collected with third parties for their own marketing or advertising efforts.

Your Rights

Depending on where you live, you may also have certain state- or country-specific rights with respect to your personal information. Please see the Region and state-specific terms section for your country, below.

Verification

To help protect privacy and the security of your personal information, you may be asked to provide additional information to verify your identity and/or ownership rights before we can fulfill your data rights request. If we cannot verify your identity or your ownership rights to the data, we may not be able to service your request until you provide proper documentation.

Data retention

Unless you specifically ask us to delete your personal information, we retain your personal information as long as it is necessary to comply with our data retention requirements and provide you with services and the benefits of the MoneyMinder Platform and successfully run our business. Even if you submit a deletion request, we may be required to maintain your personal information for as long as necessary to:

comply with our legal or regulatory compliance needs (e.g., maintaining records of transactions you have made with us);
to exercise, establish or defend legal claims; and/or
to protect against fraudulent or abusive activity on our service.

This means we may keep different information for different periods. If your account is canceled because you haven’t used it for a long time, we may delete this information immediately.

There may be occasions where we are unable to fully delete, anonymize, or de-identify your personal information due to technical, legal, regulatory compliance, or other operational reasons. Where this is the case, we will take reasonable measures to securely isolate your personal information from any further processing until such time as we are able to delete, anonymize, or de-identify it.

International data transfers

Unless you have provided us with consent to transfer your personal information, US Tax Preparation Information shall be processed and stored in the United States in accordance with applicable law.

With the exception noted above, MoneyMinder reserves the right to store and process your personal information in the United States and in any other country where MoneyMinder or its affiliates, subsidiaries, or service providers operate facilities in accordance with and as permitted by applicable laws and regulations. Some of these countries may have data protection laws that are different from the laws of your country (and, in some cases, may not be as protective).

When we transfer, store or process personal information outside of your jurisdiction (including to or in the United States, as described above), we take appropriate safeguards to require that your personal information remain protected in accordance with this Privacy Statement and applicable law.

Some of these recipients of your personal information are located in countries for which the European Commission and/or UK Government (as and where applicable) have issued adequacy decisions, which means that these countries are recognized as providing an adequate level of data protection under applicable UK and/or European data protection laws and the transfer is therefore permitted under Article 45 of the GDPR.

Other recipients of your personal information are located in countries outside the EEA and/or the UK that are not the subject of an adequacy decision (for example, the United States). In these cases, we may use the Standard Contractual Clauses approved by the European Commission or, as may be applicable, the International Data Transfer Agreement approved by the UK Government, to help ensure your personal information is protected. For more information on the transfer safeguards we rely on, please contact us by using the details in the “How to contact us” section below.

Although not relied on for data transfers, MoneyMinder complies with GDPR.

Security of your personal information

We use reasonable physical, technical, and organizational safeguards that are designed to protect your personal information. However, despite these controls, we cannot completely ensure or warrant the security of your personal information.

Changes to our Privacy Statements

From time to time we may change or update our Privacy Statement. We reserve the right to make changes or updates at any time. If we make material changes to the way we process your personal information, we will notify you by posting a notice in the MoneyMinder Platform; by sending you a notification; or by other means consistent with applicable law.

You can see when this Privacy Statement was last updated by checking the “last updated” date at the top of this Privacy Statement. Please review this Privacy Statement periodically to stay informed about how MoneyMinder protects your privacy.

Children

Our services are not intended for or directed to children under the age of 13. We do not knowingly collect personal information from children. If you believe we may have information from a child, please contact us.

United States

If you are a resident of the United States, you may have the following rights and choices:

US Tax Preparation Information

Except as necessary to provide you with tax preparation services or as authorized by law, we will not use or disclose your Tax Preparation Information – including to MoneyMinder’s affiliates and subsidiaries – unless you consent.

If you agree to share your Tax Preparation Information for purposes other than tax preparation services, including by sharing it with the MoneyMinder Platform, your Tax Preparation Information will be handled in accordance with this Privacy Statement.

California Residents

Scope. This section applies only to California residents. It describes how we collect, use, and share Personal Information of California residents in our capacity as a “business” under the California Consumer Privacy Act (“CCPA”) and your rights with respect to that Personal Information. For purposes of this section, the term “Personal Information” has the meaning given in the CCPA but does not include information exempted from the scope of the CCPA. Please note that we may claim legal exemptions for certain types of personal information and certain MoneyMinder companies from all or certain parts of the CCPA. In some cases, we may provide a different privacy notice to certain categories of California residents, such as employees and job applicants, in which case that notice will apply instead of this section.

Personal Information that we collect, use, and disclose. The chart here summarizes the Personal Information we collect by reference to the categories of Personal Information specified in the CCPA, and describes our practices currently and during the 12 months preceding the effective date of this Privacy Statement. Information you voluntarily provide to us, such as in free-form webforms, may contain other categories of personal information not described in this chart.

Your California privacy rights. As a California resident, you have the rights listed below. However, these rights are not absolute, and in certain cases we may decline your request as permitted by law.

Access. You may request that we provide the following information about how we have collected and used your Personal Information during the past 12 months:

- the categories of Personal Information we have collected about you,
- the sources from which that information was collected,
- the business or commercial purpose for collecting, selling, and/or sharing your Personal Information,
- the categories of personal information we shared or sold about you,
- the categories of third parties to whom we shared or sold personal information about you,
- the categories of personal information we disclosed for a business purpose, and
- the categories of third parties to whom we disclosed personal information about you for a business purpose.

Sensitive Personal Data and Information. We do not collect or maintain personal information.

Deletion. You may have the right, under certain circumstances, to request that we delete the personal information you have provided to us. You may delete your personal information by calling us toll-free at 1 (866) 346-4600.

Limit processing of sensitive personal information. We only use sensitive personal information as necessary for our (1) Service delivery and operations, (2) compliance and protection, (3) research and development, or (4) Service improvement and analytics purposes in accordance with CCPA. If we use sensitive personal information outside the permitted purposes of CCPA, we will provide you with the right to limit processing of sensitive personal information.
Non-discrimination. You have the right to be free from discrimination or retaliation related to your exercise of any of your California privacy rights.

Verification. In order to protect your personal information from unauthorized access or deletion, we may require you to verify your credentials before you can submit a rights request. If you do not have an account with us, or if we suspect your account has been accessed without your authorization, we may ask you to provide additional personal information for verification.

Colorado Residents

Scope. This section applies only to Colorado residents. It describes how we collect, use, and share Personal Data of Colorado residents in our capacity as a business under the Colorado Privacy Rights Act (“CPA”) and your rights with respect to that Personal Data. For purposes of this section, the term “Personal Data” has the meaning given in the CPA but does not include information exempted from the scope of the CPA. Please note that we may claim legal exemptions for certain types of personal information and certain MoneyMinder companies from all or certain parts of the CPA.

Your Colorado privacy rights. As a Colorado resident, you have the rights listed below. However, these rights are not absolute, and in certain cases we may decline your request as permitted by law.

Access. You may request a copy of the Personal Information by calling us toll-free at 1 (866) 346-4300.

Deletion. You may have the right, under certain circumstances, to request that we delete the personal information you have provided to us. You may delete your personal by calling us toll-free at 1 (866) 346-4300.

Sensitive Personal Data. We will not process your sensitive personal data without your consent.

Non-discrimination. You have the right to be free from discrimination related to your exercise of any of your Colorado privacy rights.

Authentication. In order to protect your Personal Data from unauthorized access or deletion, we may require you to verify your credentials before you can submit a rights request. If you do not have an account with us, or if we suspect that your account has been accessed without your authorization, we may ask you to provide additional personal information for verification.

Connecticut Residents

Scope. This section applies only to Connecticut residents. It describes how we collect, use, and share Personal Data of Connecticut residents in our capacity as a business under the Connecticut Data Privacy Act (“CDPA”) and your rights with respect to that Personal Data. For purposes of this section, the term “Personal Data” has the meaning given in the CDPA but does not include information exempted from the scope of the CDPA.

Your Connecticut privacy rights. As a Connecticut resident, you have the rights listed below. However, these rights are not absolute, and in certain cases we may decline your request as permitted by law.

Access. You may request a copy of the Personal Information by calling us toll-free at 1 (866) 346-4300.
Deletion. You may have the right, under certain circumstances, to request that we delete the personal information you have provided to us. You may delete your personal information by calling us toll-free at 1 (866) 346-4300.
Sensitive Personal Data. We will not process your sensitive personal data without your consent.
Non-discrimination. You have the right to be free from discrimination related to your exercise of any of your Connecticut privacy rights.

Virginia Residents

Scope. This section applies only to Virginia residents. It describes how we collect, use, and share Personal Data of Virginia residents in our capacity as a business under the Virginia Consumer Data Protection Act (“VCDPA”) and your rights with respect to that Personal Data. For purposes of this section, the term “Personal Data” has the meaning given in the VCDPA but does not include information exempted from the scope of the VCDPA.

Your Virginia privacy rights. As a Virginia resident, you have the rights listed below. However, these rights are not absolute, and in certain cases we may decline your request as permitted by law.

Access. You may request a copy of the Personal Information by calling us toll-free at 1 (866) 346-4300.

Deletion. You may have the right, under certain circumstances, to request that we delete the personal information you have provided to us. You may delete your personal information by calling us toll-free at 1 (866) 346-4300.

Sensitive Personal Data. We do not collect or maintain personal information.
Non-discrimination. You have the right to be free from discrimination related to your exercise of any of your Virginia privacy rights.