THE INFORMATION WE COLLECT AND HOW WE USE IT
In the course of providing the Service, Able collects or receives the following types of information from visitors and users of the Service, and from third-party integration partners, which may include personal information.
We collect contact information through the Service; contact information typically includes your name, email address, phone number and any other information you provide in messages to us. We use such contact information for purposes such as providing you with information about the Service, responding to your inquiries, sending you email alerts (including marketing emails), verifying your identity, maintaining our waitlist of users seeking to open an Able Account, or providing you the Service.
Users on our waitlist may choose to refer a friend to our Service by sending an invite (provided by Able) via text. If your friend accepts by entering the required code, then you will be removed from the waitlist, and you and your friend will be invited to apply for an Able Account.
Account Access Information
In connection with the creation of an account on our App (your “Able Account”), we collect account credentials such as your username, your legal name and, as applicable, the name and EIN of your operating entity, home address, social security number, date of birth, the name of your bank, credit union, or other financial institution where you have your primary accounts, and other enrollment information. We process this information to open your Able Account including verifying your identity. After completing identity verification, we delete your Social Security Number and retain only the last 4 digits. We also use this information to manage your Able Account including your transactions. We refer to users that open an Able Account as “Account Owners.”
When you make, or attempt to make, a transaction as an Account Owner through our App, we may collect certain information from you, including your name, billing address, mailing address, email address, and phone number. We refer to this information as “Transaction Information.” We use the Transaction Information that we collect generally to facilitate transactions through our App (including providing you with transaction confirmations). Additionally, we use this Transaction Information to: communicate with you; screen our transactions for potential risk or fraud; and when in line with the preferences you have shared with us, provide you with information or advertising relating to our other products and/or services. Our third-party payment processing providers, including Plaid, may also collect from you, process and store your payment information including credit card information, and/or bank account information at your selected financial institution(s), and link those accounts to your Able Account, all in accordance with their respective privacy policies (links below).
Our Service is intended to enable Account Owners to track their income, calculate estimated taxes, and save for taxes in their Able Accounts. Account Owners may choose to subscribe to other services offered by Able from time to time. We may request that you provide access to your contacts to facilitate provision of our Service, and we will only use your contacts for the Service you select.
Server Log, Device and Other Technical Information
Our servers keep log files that record data each time a device accesses those servers. The log files may contain data about the nature of such access, including the device’s IP address, user agent string (e.g., operating system and browser type/version), and the pages you’ve clicked on while on our Service, and details regarding your activity on the Service such as time spent on the Service and other performance and usage data. We may use these log files for purposes such as assisting in monitoring and troubleshooting errors and incidents, analyzing traffic, or optimizing the user experience.
We may, with your consent, automatically collect geolocation information from your device via your browser’s location service. This consent may be provided by you on the device level (e.g., you have consented to location service generally through your browser’s settings) or by accepting our request for geolocation access on the Service. Please consult your browser’s documentation regarding how to turn off location service. If you disable location service, you may not be able to use the full array of features and functionalities available through our Service.
Other Data Collection
We may collect additional information regarding you and your use of our Service, your interactions with us and our advertising, as well as information regarding devices used to access our Service (collectively, the “Other Information”). Other Information may include:
From Your Activity. Information that we automatically collect when you use the Service, such as (i) information about the device from which you access the Service (i.e., the type of device, the advertising identifier (“IDFA” or “AdID”), the operating system and version (for example iOS, Android or Windows), your carrier and network type (WiFi, 3G, 4G, LTE); (ii) your IP addresses (which may consist of a static or dynamic IP address and will sometimes point to a specific identifiable computer or device); (iii) browser type and language; (iv) referring and exit pages and URLs; (v) date and time; (vi) amount of time spent on particular pages; (vii) what features of the Service you use or visit; and (viii) similar information concerning your use of the Service.
For more information on Google Analytics, including how to opt out from certain data collection, please visit https://www.google.com/analytic Please be advised that if you opt out of any service, you may not be able to use the full functionality of the Service.
Aggregate and De-identified Data
In an ongoing effort to better understand our users and the Service, we might analyze your information in aggregate and/or de-identified form to operate, maintain, manage, and improve the Service. We may share this aggregate or de-identified data with our affiliates, agents, and business partners. We may also disclose aggregated or de-identified user statistics to describe the Service to current and prospective business partners and to other third parties for other lawful purposes.
Onward Transfer to Third Parties
Like many businesses, we hire other companies to perform certain business-related services. We may disclose personal information to certain types of third party companies but only to the extent needed to enable them to provide such services. The types of companies that may receive personal information and their functions are: technical assistance, database management/back-up service, use analytics, email marketing, customer service, and other types of business services we may use from time to time.
To provide our Service and administer promotional programs, we may share your personal information with our third-party promotional and marketing partners, including, without limitation, businesses participating in our various programs.
We may also disclose personal information to our parent companies, subsidiaries, affiliates, joint ventures, or other companies under common control to support the marketing and sale of our Service.
We may share your personal information with third parties that are not service providers or vendors, so that those third parties can send you information about their products and/or services. If you do not wish to have your personal information shared directly with these third parties (other than our service providers and vendors), please submit your request to our email at: firstname.lastname@example.org. Please allow us a reasonable time to implement your request to stop sharing your personal information for this purpose.
Disclosure to Public Authorities
We are required to disclose personal information in response to lawful requests by public authorities, including for the purpose of meeting national security or law enforcement requirements. We may also disclose personal information to other third parties when compelled to do so by government authorities or required by law or regulation including, but not limited to, in response to court orders and subpoenas.
Opt-Out for Direct Marketing; Email Management
You may opt out at any time from the use of your personal information for direct marketing purposes by emailing the instructions to email@example.com or by clicking on the “Unsubscribe” link located on the bottom of any Able marketing email and following the instructions found on the page to which the link takes you. Please allow us a reasonable time to process your request. You cannot opt out of receiving transactional e-mails related to the Service.
How We Protect Your Information
Important Notice to All Non-US Residents
Our servers are located in the US and elsewhere. Please be aware that your information may be transferred to, processed, maintained, and used on computers, servers, and systems located outside of your state, province, country, or other governmental jurisdiction where the privacy laws may not be as protective as those in your country of origin. If you are located outside the United States and choose to use the Service, you do so at your own risk.
California Privacy Rights
Pursuant to Section 1798.83 of the California Civil Code, residents of California have the right to obtain certain information about the types of personal information that companies with whom they have an established business relationship (and that are not otherwise exempt) have shared with third parties for direct marketing purposes during the preceding calendar year, including the names and addresses of those third parties, and examples of the types of Service or products marketed by those third parties. If you wish to submit a request pursuant to Section 1798.83, please contact Able via email at firstname.lastname@example.org. Able does not respond to “do not track” settings or other related mechanisms on our App at this time.
Nevada Privacy Rights
If you are a resident of Nevada, you have the right to opt-out of the sale of certain personal information to third parties for monetary consideration. You can exercise this right by contacting us at email@example.com with the subject line “Nevada Do Not Sell Request” and providing us with your name and the email address associated with your account. We may request additional information to verify your identity. Please allow us a reasonable amount of time to address your request.
Links to External Websites
Accessing and Modifying Account Information
Account Owners may access, review, and make changes to the information in your Account by following the instructions found on the App. You should be aware, however, that it is not always possible to modify or completely remove all the information in our subscription databases. In such case, we will provide you the reason why the modification or removal was not possible.
How to Contact Us