TClub Inc. ("Abound", "Abound" or "We" or "Us" or "Our") respects your privacy and is committed to protecting it through Our compliance with this policy. This policy describes: The types of information we may collect or that you may provide when you download and register with, access or use, or transact with the Abound / Abound Application or associated website, any associated content, material, or functionality contained on the Abound / Abound Application, all interactive features, applications, widgets, blogs, social networks and social network pages, and other online or wireless offerings that post a link to this Privacy Policy, whether accessed via computer, mobile device or other technology or any associated content, material, or functionality contained on the Abound / Abound Application (collectively, the "App"). The App is owned, developed and managed by Abound / Abound. Our practices for collecting, using, maintaining, processing, accessing, storing, protecting and disclosing that information are set forth below.
Your rights under applicable law
This Privacy Policy applies only to personal information you provide, or we collect via our App and services. This Privacy Policy does not apply to information that we collect through websites not under our control, including websites you may access through our App, or information that you provide to or is collected by any third party. These third parties may have their own privacy policies, which we encourage you to read before providing information on or through them.
If you are a resident of California, Virginia, Colorado, or Texas please also see our "State Privacy Rights" Section of this Privacy Policy.
Abound has relationships with certain service providers in order to provide its services to you. Abound has contracted with financial service partners including the Checkbook, Layer2 Group, Nium, and Thunes. Specifically, Layer2 Financial Holdings Inc. ("Layer2") is a Canada Corporation is a technology company. Layer2 Financial Inc., a Delaware Corporation ("Layer2 US") is a subsidiary of Layer2. As of 05/21/24, Layer2 notes on its website that Layer2 US is a FINCEN registered money service business (NMLS ID: 2438695) with money transmitter licenses in a number of states and that Layer2 Financial Inc., a Canada Corporation ("Layer2 CA") is a subsidiary of Layer2 and is a FINTRAC registered money service business (#M21596262). Collectively, all of the foregoing is referred to below as "The Layer2 Group". Among other services, Layer2 Group, together with Buckzy Payments Inc., assists Abound with "Know Your Customer" requirements and other obligations. For purposes of satisfying "Know Your Customer" requirements, Abound asks for your identifying information, such as your name, email address, tax identification number, address, telephone number, date of birth, gender, videos, and photographs that may contain images of your face, including your driver's license or government-issued identification number or card. Abound will also collect information pertaining to your account transactions. Your personal information will be shared with Layer2 (including without limitation its Partner Financial Institutions, as well as Buckzy Payments Inc. ("Buckzy")) and will be subject to the Layer2 Privacy Policy (to the extent shared with the Layer2 Group). Layer2 will share your information as necessary with its Partner Financial Institutions and other service providers in connection with providing their services.
For US-India remittance services, Layer2 shares your information with Mudrex Inc. This is because Layer2 uses Mudrex for its off-ramp services in India, and your information will then be subject to Mudrex Privacy Policy.
The App is not intended for users under 18 years of age, and we do not knowingly collect personal information from individuals under 18. If we learn we have collected or received personal information from a user under 18, we will delete that information. Please be aware that we may not be able to fully delete certain user information until the user cancels their subscription through their Apple account. If you believe we might have any information from or about an individual under 18, please contact us at the e-mail address provided to you in Contact Information section.
We may collect information (including personal information) from and about users of the App directly from you when you provide it to us and/or automatically when you use the App. We may also collect personal information from you in connection with your rental application or if you are one of our residents. We retain the personal information that we collect to achieve the purposes for which the personal information was collected. In certain cases, we may need to retain personal information for purposes required under applicable law, for tax, accounting, or audit purposes, or for other purposes permitted or required under law.
When you use the App, we may ask for you to provide information by which you may be personally identified, such as, but not limited to, name, postal address, email address, telephone number, geolocation, mobile device identification number, or any other identifier by which you may be contacted online or offline ("personal information"), or that is about you but individually does not identify you. This information includes information that you provide by filling in forms in the App. This includes information provided when posting material and requesting information. We may also ask you for information when you enter a contest or promotion sponsored by us, and when you report a problem with the App. We may also collect (a) records and copies of your correspondence (including email addresses and phone numbers), if you contact us; (b) your responses to surveys that we might ask you to complete for research purposes; (c) details of transactions you carry out through the App; and (d) your search queries on the App. You may provide information to be published or displayed to other users on or through the App (collectively, "Content"). Your Content may be transmitted to others at your own risk. Please be aware that no security measures are perfect or impenetrable. Additionally, we cannot control the actions of third parties with whom you may choose to share your Content. Therefore, we cannot and do not guarantee that your Content will not be viewed by unauthorized persons.
In the event that we provide you with social media login capability, in order to register as a user with us, you may be asked to sign in using your Facebook or other social media site ("SMS") login. If you do so, you authorize us to access certain SMS account information, such as your public SMS profile (consistent with your privacy settings in SMS), your email address, interests, likes, gender, birthday, education history, relationship interests, current city, photos, personal description, friend list, and information about and photos of your SMS friends who might be common SMS friends with other users. You will also be asked to allow us to collect your location information from your device when you use the App. In addition, we may collect and store any personal information you provide while using the App or in some other manner. This may include identifying information, such as your name, address, email address and telephone number, and, if you transact business with us, financial information. You may also provide us photos, a personal description and information about your gender and preferences for recommendations, such as search distance, age range and gender. If you chat with other users, you provide us the content of your chats, and if you contact us with a customer service or other inquiry, you provide us with the content of that communication.
When you access the App, technology may be used to automatically collect certain information, including, but not limited to: Usage Details. When you access and use the App, we may automatically collect certain details of your access to and use of the App, including traffic data, location data, logs and other communication data and the resources that you access and use on or through the App.
Device Information. We may collect information about your mobile device and internet connection, including the device unique device identifier, IP address, operating system, browser type, mobile network information and the device telephone number. Web servers, the main computers that serve up web pages, automatically identify your computer by its IP address. As permitted under applicable law, Abound collects IP addresses for the purposes of system administration, gathering and analyzing aggregated information, creating a better experience for users and auditing the use of our site. We do not normally link IP addresses to anything personally identifiable, which means that your session will be logged, but you remain anonymous to us. We will seek to link your IP address when we feel it is necessary to protect this site and other users from harm and to prevent criminal misconduct.
Stored Information and Files. The App also may access metadata, tags and other information associated with other files stored on your device. This may include, for example, photographs, audio and video clips, personal contacts and address book information.
Location Information. The App may collect real-time information about the location of your device.
The Rakuten Card Linked Offer Network ("RCLON"), is the service provider of card-linked-offer content for Abound. Notwithstanding anything to the contrary in the Terms or Privacy Policy, we and our service providers (including RCLON) will use transaction information solely as follows: Use transaction data to confirm a qualifying purchase or return to match transactions to confirm whether you qualify for a statement credit or an offer; Share transaction data with the participating merchant where a transaction occurred as needed for the merchant to confirm a specific transaction occurred or points should be awarded; for example, the date and amount of your purchase and the last 4 digits of your card number so the merchant can verify your purchase with its records if there is a missing or disputed transaction; Provide participating merchants or third party service providers aggregated and anonymized information relating specifically to registered card activity solely to allow participating merchants and third party service providers to assess the results of their campaign; Create a record of the transaction data and thereafter maintain and use data in connection with operating the Abound program; Conduct analysis for the improvement and optimization of the program; and Provide information in order to respond to a request from government authority or a payment organization involved in a transaction with you or a merchant. By registering a payment card in connection with transaction monitoring, you authorize the Rakuten Card Linked Offer Network ("RCLON") to share your payment card information with Mastercard, Visa and American Express so it knows you are enrolled. You authorize Mastercard, Visa and American Express to monitor transactions on your registered card(s) to identify qualifying purchases in order to determine whether you have qualified for or earned an offer linked to your payment card, and for Mastercard, Visa and American Express to share such transaction details with RCLON to enable your card-linked offer(s) and target offers that may be of interest to you. You may opt-out of transaction monitoring on the payment card(s) you have registered by going to the profile section and tapping on the card you want to remove and then tapping the "Remove Card" button. You authorize the sharing, exchange and use of transaction data described above and herein by and among us and our third party service providers, applicable payment card networks and applicable merchants.
The technologies we use for automatic information collection may include:
Aggregated and/or non-personal information. We may use and disclose non-personal information we collect with third parties under any of the above circumstances. We may also share it with third parties to develop and deliver targeted advertising on the App and on websites or applications of third parties, and to analyze and report on advertising you see. We may combine non-personal information we collect with additional non-personal information collected from other sources. We also may share aggregated, non-personal information, or personal information in hashed, non-human readable form, with third parties, including advisors, advertisers and investors, for the purpose of conducting general business analysis or other business purposes. For example, we may engage a data provider who may collect web log data from you (including IP address and information about your browser or operating system), or place or recognize a unique cookie on your browser to enable you to receive customized ads or content. The cookies may reflect de-identified demographic or other data linked to data you voluntarily have submitted to us (such as your email address), that we may share with a data provider solely in hashed, non-human readable form. To opt-out of cookies that may be set by third party data or advertising partners, please go to www.aboutads.info/choices/.
When you use the App or its content, certain third parties may use automatic information collection technologies to collect information about you or your device. These third parties may include: advertisers, ad networks and ad servers, analytics companies, your mobile device manufacturer, your mobile service provider, etc. These third parties may use tracking technologies to collect information about you. The information they collect may be associated with your personal information or they may collect information, including personal information, about your online activities over time and across different websites, apps and other online services websites. They may use this information to provide you with interest-based (behavioral) advertising or other targeted content. These third parties may include but are not limited to: (i) Advertisers, ad networks and ad servers; (ii) Analytics (including marketing analytics) and digital platform management companies; (iii) Your mobile device manufacturer; (iv) Your mobile service provider; and (v) Plaid, Stripe, your card issuer or other financial services provider.
In addition to the disclosures described above, we may disclose aggregated information that does not constitute personal information about our users without restriction. Further, we may disclose personal information that we collect or you provide:
We reserve the right to disclose information if we believe disclosure is necessary or appropriate to protect our rights, property, or safety or that of our customers, users, contractors or others. This includes exchanging information with other companies and organizations for the purposes of fraud protection and credit risk reduction.
In order for you to make purchases through the App, service providers like Plaid and Stripe may collect and share financial and payment card account information. This information is shared with Us on a tokenized basis and with your authorization. From some of our service providers and/or business partners, we receive details about specific transactions. You can learn more about Stripe's privacy policy, and Plaid's privacy policy. The App will also allow you to intentionally interact with third parties, such as those whose products or services are made available through the App. Also, our concierge offering is made available through an automated chat feature provided by Haptik, which you can learn more about here. You can read Haptik's privacy policy here. By using the concierge services, you may also correspond with Your Man in India (YMII), which will have access to personal information such as your communications and commercial preferences. You can learn more about YMII's concierge services here, and find its privacy policy here. We do not necessarily control third parties' collection or use of your information to serve interest-based advertising. However, these third parties may provide you with ways to choose not to have your information collected or used in this way. You can opt out of receiving targeted ads from members of the Network Advertising Initiative ("NAI") on the NAI's website.
When applicable we may integrate social media application program interfaces or plug-ins ("Plug-ins") from social networks, including Facebook, Twitter, Instagram, Tumblr, Pinterest and possibly others, into our App. Plug-ins may transfer information about you to the Plug-in's respective platform without action by you. This information may include your platform user identification number, which website you are on, and more. Interacting with a Plug-in will transmit information directly to that Plug-in's social network and that information may be visible by others on that platform. Plug-ins are controlled by the respective platform's privacy policy, and not by our Privacy Policy.
We may allow certain third parties (such as online advertising services) to collect your personal information via automated technologies via our App. Under certain U.S. state privacy laws, this may constitute a "sale" or "share" of personal information or "targeted advertising". We may have "sold" or "shared" personal information, which consists of identifiers, commercial information, and internet or other electronic network activity information to data analytics providers, advertisers, and social networks for the business and commercial purposes of online advertising and to provide third-party social network features and functionality. Under certain U.S. state privacy laws, you have the right to opt-out of this disclosure of your information, which may be considered a "sale", "sharing", or "targeted advertising" under such laws. On our website, you may opt-out of this "sale", "sharing", or "targeted advertising" on our App by setting a through rejecting cookies in our cookie banner. You may also request to opt-out of this "sale", "sharing", or "targeted advertising" by e-mailing us at support@joinabound.com.
Direct Marketing.California Civil Code Section 1798.83 permits users of the Services that are California residents to request certain information regarding our disclosure of personal information to third parties for their direct marketing purposes. To make such a request, please contact us as noted below in Section 14. Contact Information.
CCPA.This Section of our Privacy Policy contains certain required information and informs California residents of certain rights arising under the California Consumer Privacy Act, as amended by the California Privacy Rights Act (“CCPA”).
Categories of Personal Information Collected.We may have collected the following categories of personal information from you within the last twelve (12) months:
Categories of Sources From Which Personal Information Is Collected. We may have collected personal information from you from the following categories of sources: (1) directly from you via our services or when you visit one of our digital properties; (2) your devices; (3) your family and friends; (4) our affiliates and subsidiaries; (5) our third-party providers; (6) social networks; and (7) other available sources, such as public records.
Business or Commercial Purposes for Collecting Personal Information. The business or commercial purposes for collecting your personal information are set forth in the "How We Use Your Information" Section of this Privacy Policy.
Categories of Personal Information "Sold" or "Shared" to Third Parties and the Business and Commercial Purposes.The categories of personal information that we have "sold" or "shared" to third parties in the last twelve (12) months and the business and commercial purposes for "selling" or "sharing" such personal information are set forth in the "Notice of Right to Opt-out of Sale and Sharing Personal Information and Targeted Advertising" Section of this Privacy Policy. We do not knowingly "sell" or "share" the personal information of individuals under sixteen (16) years of age.
Categories of Personal Information Disclosed to Third Parties. All of the categories of personal information described above may be shared with third parties as set forth in the "Disclosure of Your Information" Section of this Privacy Policy.
Personal Information Retention. We retain the personal information that we collect to achieve the purposes for which the personal information was collected. In certain cases, we may need to retain personal information for purposes required under applicable law, for tax, accounting, or audit purposes, or for other purposes permitted or required under law.
Use and Disclosure of Sensitive Personal Information. We may collect "sensitive" personal information for limited purposes, such as for conducting a background check and for other purposes that an average consumer would reasonably expect. We do not use or disclose your sensitive personal information outside of the following purposes: (1) performing our service or providing goods, (2) detecting security incidents, (3) resisting malicious, deceptive, fraudulent, or illegal actions, (4) ensuring physical safety, (4) for short-term transient use, including certain non-personalized advertising, (5) maintaining or servicing accounts, providing customer service, verifying customer information, or providing similar services, and (6) verifying and maintaining the quality or safety of a service or product or improving, upgrading, or enhancing a service or product. As such, the right to limit our use and disclosure of such sensitive information does not apply.
Your California Privacy Rights. The following rights apply to California residents:
Exercising Your California Privacy Rights. For information on how to exercise your rights under the CCPA, please review the "Exercising Your Rights" Section of this Privacy Policy.
Virginia, Colorado, and Texas Residents
The following rights apply to residents of Virginia, Colorado, and Texas:
Exercising Your Rights
You may make privacy requests by contacting us at 2261 Market Street #4468, San Francisco, CA 94114 or support@joinabound.com. However, please see the "Notice of Right to Opt-out of Sale and Sharing Personal Information and Targeted Advertising" Section of this Privacy Policy above for additional information on how to opt-out of "sale", "sharing", or "targeted advertising"You may designate an authorized agent to make such requests on your behalf by having your authorized agent make a privacy request as set forth above. Your authorized agent must complete the webform with their information and disclose the fact that they are your "authorized agent" and provide your first and last name in connection with the request. Before we can honor your requests, we may confirm that the requesting party is the consumer whose information is sought or a person authorized to act on that consumer's behalf. If a requesting party is an online account holder with a password-protected account, it may be necessary for the account to be accessed by the requesting party to confirm the request(s). In addition, depending on the type of request and the categories of information subject to the request, we may request verifying information from the requesting party such as identifiers or commercial information (e.g., service history) already known to or collected by us. If we refuse to take action upon your request, you may appeal such refusal by contacting us after your receipt of the refusal at 2261 Market Street #4468, San Francisco, CA 94114 or support@joinabound.com.
We treat the information of everyone who comes to our App in accordance with this Privacy Notice, regardless of their "Do Not Track" setting.
Your provision of personal information on a registration form in the course of our providing our services to you constitutes your affirmative consent that we may contact you by email to provide you with information and notices relating to the services and various other offerings that may be available and of interest to you in the future. It also means we may email you regarding updates to this Privacy Policy. We notify you of this at the time you choose to register, and we will provide you the option not to receive further marketing communications from us at the time you register. Mass commercial email sent by us contains a link with instructions on how to remove yourself from our email list. You will also need to opt-out separately from any third-party emails you may receive.
We have implemented measures designed to secure your personal information from accidental loss and from unauthorized access, use, alteration and disclosure. Unfortunately, the transmission of information via the internet and mobile platforms are not completely secure. Although we do our best to protect your personal information, we cannot guarantee the security of your personal information transmitted through our App. Any transmission of personal information is at your own risk. We are not responsible for circumvention of any privacy settings or security measures we provide. If you receive a suspicious email on our behalf, we suggest you do not reply to it and do not open any attachments, click on links contained in the e-mail or provide any information in response to it. You can report suspected fraud involving us by sending an email to legal@joinabound.com. Please include the word "phishing" in the subject line of your email and provide as much information as possible about the fraudulent activity or message. We do not send emails requesting a user for payment information, username or passwords. However, we may verify the user name, password etc. provided by you from time to time. The safety and security of your information (including personal information) can also depend on you. For example, where we have given you (or where you have chosen) a password for access to certain parts of the App, you are responsible for keeping this password confidential. You should not share your password with anyone.
If you elected to subscribe to any online services provided via the App, including the ability to access any password-protected areas of the App, you will be required to submit personal information for the purpose of verifying your identity and your authority to manage the account ("Access Credential Information"). This Access Credential Information will be used exclusively by Abound, our agents, suppliers and third-party service providers for internal use and to respond to your service requests.
Through the App, you may wish to participate in certain online polls, surveys, contests, sweepstakes and other promotions that may be offered from time to time by us, a partner, or other entity. Participation in these polls, surveys, contests, sweepstakes and promotions is completely voluntary; you have a choice about whether or not to disclose information required to enter. Information requested may include data such as your name, address, date of birth, phone number, mobile phone number, e-mail address, username, and/or similar information. Through these online polls, surveys and promotions, you may choose to participate in activities such as sharing information with others and sending email invitations. In connection with any online polls, surveys, contests, sweepstakes and other promotions that may be offered from time to time via the App, we use the information you provide to administer such polls, surveys, contests, sweepstakes and other promotions. Subject to applicable contractual or legal restrictions, we also may use the information to communicate with you, or the other people you select, about our services or products. Any information that you submit to one of our partners or another entity through the App in the course of any poll, survey, contest, sweepstakes, or promotion offered by any third party shall be fully at your own risk, and Abound hereby disclaims all responsibility for any losses, liability, damages, or expenses that may arise from your submission of such information.