CHING PRIVACY NOTICE
This Privacy Notice applies to users of the Ching app. If you use Ching through your mobile banking app or online banking, please refer to your financial institution’s privacy notice.
Thank you for using Ching. We take your privacy seriously and we want you to be fully informed about how you can be in control of your personal information.
This Privacy Notice applies to the Ching app (referred to as the “App” from here on out). It describes the personal information we collect, how it’s used and shared, and the choices you can make. We strive for transparency but if anything remains unclear, do not hesitate to contact us at the email address below with any questions or feedback you may have.
By using the Ching app, you expressly consent to our collection, use, disclosure, and retention of your personal information as described in this Privacy Notice.
When this Privacy Notice applies
This Privacy Notice applies to the Ching app (the “App”).What personal information is
“Personal information” means information that identifies or can be used to identify you directly or indirectly. Examples of personal information include, but are not limited to, first and last name, email address, telephone number, IP address, device information, mobile payment app account information linked to Ching.Personal information we collect and share
If you’ve used the App, we may have collected, used and/or shared the following categories of personal information about you for a business purpose(s):
| Categories of personal information we collect | Categories of sources from which information is collected | Business purpose(s) for collection, use, and sharing | Shared for business purpose(s) to the following categories of third parties | Sold to the following categories of third parties |
|---|
| Personal and online identifiers (e.g., name, email address, postal address, IP address or unique identifiers) | All categories listed below in Section 4 | All purposes listed below in Section 5 | All categories listed below in Section 6 | None |
| Certain personal information (e.g., address, telephone number, financial account numbers, other financial information) | All categories listed below in Section 4 | All purposes listed below in Section 5 | All categories listed below in Section 6 | None |
| Transaction information (e.g., records of transactions made through the App) | All categories listed below in Section 4 | All purposes listed below in Section 5 | All categories listed below in Section 6 | None |
| Internet or other electronic network activity information (e.g., your interactions with the App) | All categories listed below in Section 4 | All purposes listed below in Section 5 | All categories listed below in Section 6 | None |
| Geolocation information | All categories listed below in Section 4 | All purposes listed below in Section 5 | All categories listed below in Section 6 | None |
How we collect personal information
When you use the App, we collect personal information from:- you directly when you provide it (e.g., when you enroll in the App, you provide your information to us);
- your device (e.g., your mobile device shares your Unique Device ID and name of your device when you use the App);
- third party mobile apps you link to your Ching account (e.g., you share account information with us); and
- our service providers (e.g., we may use service providers to help us verify your identity when you enroll in the App).
How we use personal information
When you use the App, we collect, use, and share personal information for the following business reasons:- to prevent, detect, and protect against security incidents, fraud, and prohibited or illegal activities;
- to perform services (for us or our service providers) such as account servicing, providing customer service, fulfilling transactions, verifying consumer information, providing analytic services;
- for internal research for technological improvement;
- for internal operations;
- to verify the existence of your third party account;
- to enforce our terms and conditions;
- to research and resolve issues related to transactions you sent or received;
- to debug, identify and repair errors that impair existing intended functionality;
- to facilitate transactions;
- to notify you by push notification, text or email, of a pending money transfer or a request for payment;
- to facilitate your enrollment and resolve issues relating to your enrollment;
- to verify your identity;
- to verify changes you’ve made to your personal information;
- to create and deliver marketing communications to you about Ching;
- to create, develop, operate, deliver, maintain, and improve our products and services;
- for legal compliance;
- to respond to your requests and comply with your stated communication preferences;
- to provide you with a safe, efficient, and customized experience;
- for authentication;
- to provide other services you request; and
- for other one-time uses.
Who we share personal information with
We may share personal information with the following categories of third parties for the business purposes we described above in Section 5.- other Ching users (e.g., When another user sends you a payment, we may share your name (from your Ching profile) and profile picture (if you have one) with the other user to ensure the other user intends to send a payment to you. We do not share your third party account information or other financial information with other Ching users.);
- the third party mobile app you use to send or receive a transaction (e.g. when you send or receive money using the App, we share information with them to facilitate the transaction);
- our service providers (e.g., companies that help us provide the Ching service);
- law enforcement, government agencies, and other authorized third parties (we may be required by law to share information);
- other entities with your consent.
Minors’ privacy
The Ching User Service Agreement defines eligibility requirements to use the App.
Our App is not intended for children under the age of 13. It does not knowingly collect personal information from children. We do not sell personal information collected from the App. Therefore, we would not sell information about minors.
For information about the Children’s Online Privacy Protection Act (COPPA), visit the FTC website: www.ftc.gov.
Your choices
You can control how and when you want to receive notifications from us by following the instructions within the notices you receive from us and by updating your preferences in the App.
You may not opt-out of administrative emails (e.g., emails about your transactions or policy changes) for your enrolled profile.
If you use the Ching app on an iOS device, you may delete your profile by selecting “Delete Account” in the app settings on your device. However, doing so will immediately terminate your ability to use the service. Please note that simply deleting the app from your device without selecting “Delete Account” (via the app’s settings) will not result in your Ching profile being closed and deleted. If you only delete the app from your device, (without changing the app’s settings) you will remain a registered user and Ching will retain your data per our data retention policies.
Updating your personal information
You can update your personal information at any time by accessing your profile in the App. You can update your User profile and registration information, including your account information and email addresses.
If your mobile telephone number has changed, you will need to contact the company directly by emailing support@chingtechnologies.com.
Keeping your profile information up-to-date is very important. If this information is incomplete, inaccurate, or not current, please update your information by accessing your profile in the App.
Your rights regarding your personal information
We provide the Ching service pursuant to the Graham-Leach-Bliley Act (“GLBA”) and are exempted from certain privacy and data security laws. Even so, we honor your data privacy rights, regardless of whether we are obligated by law and regardless of your state of residence.
- You have the right to request a list of what personal information (if any) we’ve shared with third parties for their own direct marketing purposes in the preceding calendar year and the names and addresses of those third parties.
- We do not share personal information with third parties for their own direct marketing purposes. Therefore, we have not shared personal information with third parties for direct marketing purposes within the last 12 months.
- You have the right to know the categories and specific pieces of personal information we collect, use, share, and sell about you, our business purposes for collecting personal information, the categories of third parties that we’ve shared personal information with, the categories of sources that we’ve collected personal information from, whether we’ve shared or sold personal information for a business purpose in the preceding 12 months, and the categories of third parties with which we’ve shared or sold personal information.
- In the past 12 months, we have not shared personal information from the App in a manner that we consider a “sale.” For purposes of this Privacy Notice, “sale” means the disclosure of personal information to a third-party for monetary or other valuable consideration.
- You have the right to request that we delete your personal information.
- If you use the Ching app on an iOS device, you may request to delete your data and close your profile by selecting “Delete Account” in the app’s settings. However, doing so will immediately terminate your ability to use the service.
- Note: Under certain circumstances, we may not be able to delete your information because we have a legal obligation or other reason that we must retain it.
- You have the right to opt out of the sale of your personal information.
- As stated above, we do not sell personal information that we’ve collected from the App.
- You have the right to be free from discrimination for exercising your privacy rights.
- We will not discriminate against you for exercising your choices and rights.
- You have the right to access your personal information that we’ve collected about you in the proceeding 12 months following your request
Please note the above-listed rights are subject to certain exceptions. For instance, we cannot disclose or permit access to specific pieces of personal information if the disclosure or access would present a certain level of risk to the security of the personal information, your account with us or the security of our systems or networks. We may decline your request if we cannot verify your identity or confirm the personal information that we maintain belongs to you. If we cannot honor your request, we will let you know
How to exercise your data privacy rights
Please submit your request and the required verifying information by sending an email tosupport@chingtechnologies.com with your Ching username, phone number, and email address and we will respond to your request within 30 days or less.Our data retention practices
We generally retain information for as long as it is necessary and relevant for our operations and to comply with applicable law.Links to third-party websites
Our App may contain links to other third-party websites. When you leave our App and visit those websites, you are bound by the privacy policies of those websites. We are not responsible for the privacy practices of these third-party websites, which are governed by their own privacy policies and practices.How we protect personal information
To help us protect your personal information, we maintain technical, physical, and administrative security measures to protect against loss, misuse, unauthorized access, disclosure, or alteration. Some of the safeguards we use are firewalls, data encryption, physical access controls to our data centers and information access authorization controls. Additionally, we use security features that are built into the hardware and software of your device to help protect your transactions, such as facial or fingerprint recognition. We do not collect or store your biometric verification information when you use the App.
It is your responsibility to make sure that your personal information is accurate and that your password(s) and profile registration information are secure and not shared with third-parties.
Where personal information is stored
We are located in the United States. Our services are available for eligible United States users only. Our operations use a network of computers, cloud-based services, and other infrastructure and information technology that are based in the United States. Additionally, we may use third- party service providers that may be located in and process or store your personal information in the United States, the European Union, and other countries.Changes to this Privacy Notice
From time to time, we may update this Privacy Notice. We may notify you about material changes in the way we treat personal information by placing a notice on our website or in the App. You should check this Privacy Notice frequently for updates.How to contact us
If your questions are not answered in this Privacy Notice, you may email us at support@chingtechnologies.com.