Bankwiser (referred to herein as “We”, “Our” or “Us” ) respects your privacy and is committed to protecting it through our compliance with this policy. This Privacy Policy explains how we collect, process, use and protect personal information provided through use of our money management service which is further described in our Terms of Service and made available to you as a web-based service through our website located at www.bankwiser.eu (the "Website").

Please read this policy carefully to understand our policies and practices regarding your information and how we will use it. If you do not agree with our policies and practices, your choice is not to use our Website. By accessing or using this Website, you agree to this privacy policy. This policy may change from time to time. Your continued use of this Website after we make changes is deemed to be acceptance of those changes, so please check the policy periodically for updates.  Those who visit our website without logging into any account are “Visitors.” Those who log into an account or otherwise utilize any of our Website service offerings are “Users.” Together with our Terms of Use Agreement, this Privacy Policy governs your use of our services.

1. Collection of Information

When you visit our Website, we may place a cookie on your computer so that our system can recognize you when you make a return visit. That cookie tells us your IP address and the type of browser you are using. These are the only types of information we collect when you are a Visitor.

We collect several types of information from and about Users, including the following:

• Information by which you may be personally identified, such as name, date of birth, country, city, gender and age;
• Account login credentials including email addresses and passwords;
• Other information from the financial accounts that you link or upload to our service (including account balances, transactions and holdings);

As you navigate through and interact with our Website, we may use automatic data collection technologies to collect certain information about your equipment, browsing actions and patterns, including:

• Details of your visits to our Website, including traffic data, location data, logs, and other communication data and the resources that you access and use on the Website;
• Information about your computer and internet connection, including your IP address, operating system and browser type;

The technologies we use for this automatic data collection may include cookies (or browser cookies). A cookie is a small file placed on the hard drive of your computer. You may refuse to accept browser cookies by activating the appropriate setting on your browser. However, if you select this setting you may be unable to access certain parts of our Website. Unless you have adjusted your browser setting so that it will refuse cookies, our system will issue cookies when you direct your browser to our Website.

While you are using our Website, you may voluntarily provide information in a number of ways, described below:

1. When filling in forms in order to register using your email address, or otherwise complete tasks and enter information into forms when using our Website.
2. When you get in contact with us for assistance, to report a problem with the Website, or other general enquiries.
3. When billing information is entered upon purchasing a subscription for our Website services.
4. When any optional response is submitted to surveys that Bankwiser asks you to complete.

2. Use of Information

We use information that we collect about you or that you provide to us, including any personal information:

• To present our Website and its contents to you;
• To allow you to register for an account, including authenticating your device to access our services;
• To provide you with notices about your account/subscription, including expiration and renewal notices;
• To allow the connection of third party financial institution accounts to our Webiste, and to gather account balances and transactions from those third party financial institutions;
• To carry out our obligations and enforce our rights arising from any contracts entered into between you and us, including for billing and collection;
• To notify you about changes to our Website or any products or services we offer or provide though it;
• To allow you to participate in interactive features on our Website;
• To provide you with customer support or service offerings, including responding to and resolving your inquiries and requests via email or by phone;
 
• To send you informational and promotional content that you have opted-in to receive. You can stop receiving our promotional emails by following the unsubscribe instructions included in every email;
• To fulfill any other purpose for which you provide it;
• For any other purpose with your consent;

Bankwiser takes all reasonable steps to allow you control over your data. You may cancel your Account at any time by accessing the delete account option available through the Website. Your Account will be disabled immediately and we will disconnect any connection with your Account Information we have established. 

3. Blogs and other Forums on our Website

Information submitted by users in public forums on the Website can be accessed, read and used by other users. Please exercise good judgment when providing Personal Information to other users or third parties through the public areas of the Website services. Such information can also be used to send you spam and other unsolicited messages. We are not responsible for any damage incurred whatsoever, whether known or unknown, resulting from the use of your Personal Information by third parties which you submitted on any forum or blog on our Website. These forums may be hosted by us or by one of our third party service providers on our behalf. We encourage all users to embrace pseudonymous identities especially when you are in our public forums, blogs or any other public aspects of the Website thereof.

4. Disclosure of Your Information

We reserve the right (and you authorize us) to share or disclose your Personal Information when we determine, in our sole discretion, that the disclosure of such information is necessary or appropriate:

1. To enforce our rights against you or in connection with a breach by you of the Bankwiser Terms of Service;
2. To help curb prohibited or illegal activities that affect or damage our interests;
3. When demanded by any applicable law, existing regulation or other legal process; or
4. To provide information to representatives and advisors, like attorneys and accountants, to help us comply with legal, accounting, or security requirements.

5. Privacy Policy Update

We reserve the right to change this Privacy Policy at any time. If we decide to change this Privacy Policy in the future, we will post an appropriate notice on the home page of the Website and/or send you an email notification. Any non-material change (such as clarifications) to this Privacy Policy will become effective on the date the change is posted and any material changes will become effective 30 days from their posting on the Website. Unless stated otherwise, our current Privacy Policy applies to all Personal Information that we have about you. The date this Privacy Policy was last revised appears at the top of the Policy. We recommend that you print a copy of this Privacy Policy for your reference and revisit this Privacy Policy from time to time to ensure you are aware of any changes. Your continued use of the Website signifies your acceptance of any changes.

6. Contact us

Contact us If you have questions, comments, concerns or feedback regarding this Privacy Policy or any other privacy or security concern, or if you want to update, delete, or change any Personal Information you may have submitted on the Website, send an e-mail to info[at]bankwiser.eu.