Privacy Policy

Collection of Your Personal Information

We do not collect any personal information about you unless you voluntarily provide it to us. However, you may be required to provide certain personal information to us when you elect to use certain products or services available on the Site.  We may collect the following information directly from you: 

Account Registration. When you register for an account with us, Woven may collect your:

• First and Last Name
• Mailing Address
• E-mail Address
• Phone Number
• Woven screen name
• Social media account handles
• Information stored on your mobile device: for example, we may access your contacts or photos with your permission in accordance with the process set by your mobile device 

Woven uses this information to uniquely identify you, personalize your experience, and to notify you with important information about your account as well as potential offers from Woven.

Woven uses information you allow us to access on your mobile device to sync your contacts, with your permission, to the Woven app and allow you to upload photos if it is necessary for a specific feature.

Credit Card Debt Paydown Plan.  

When you allow us to construct and update your debt paydown plan, Woven may collect your:

• Credit card balances and APR information that you provide manually
  

Our data providers, Plaid and VGS may collect and provide to Woven on your behalf:

• Credit Card and Other Banking Financial Information (balances, APR, purchase records and transaction history, credit card number, account username and password), “Financials.”
• Bank Account Information (ACH routing number, account number, and associated mailing address)
  

Woven uses your credit card number and Bank Account Information to uniquely identify and process extra payments above any minimums that you independently pay to your bank. We process these extra payments on your behalf when you payoff transactions presented to you in the Credit Crush app. To make these payments we issue checks through a third-party service provider, Lob.

We use your Bank Information to collect the monthly Woven subscription fee and process those payments through our payment provider, Stripe.

Purchasing Products and Services.  If you purchase Woven's products and services, we collect billing and credit card information. This information is used to complete the purchase transaction.

Social Media.  When you engage with us via social media, we may collect your:

• Social media usernames
• Posts
• Media (video, audio, images)
  

Woven uses this information to communicate with you, the Woven community, and, the general public from time-to-time. 

Promotions and Contests.  When you enter into a promotion or contest sponsored by us or one of our partners, we may collect your 

• First and Last Name
• Mailing Address
• E-mail Address
• Phone Number
• Woven screen name
• Social media account handles
• Your Social Security number
  

Woven uses this information to uniquely identify you, notify you of promotion or contest results, and issue tax-related documents and manage tax-related obligations. 

Special Offers.  When you sign up for special offers from selected third parties, we may collect your:

• First and Last Name
• Mailing Address
• E-mail Address
• Phone Number
• Woven screen name
• Social media account handles
• Your Social Security number
  

Woven uses this information to uniquely identify you, notify you of the special offers, and issue tax-related documents and manage tax-related obligations. 

Questions and Inquiries.  When you contact us via email or otherwise with questions and inquiries, we may collect your name, email address, and any other information you choose to provide to us. We may also collect:

• Email header information: including source and destination computers and ip addresses, DKIM Signatures, domain names, and message id
  

Woven uses this information to effectively manage your questions and inquiries.

Information About Other Products and Services.  Woven may also use the characteristics of the accounts to which you give us permission, app usage patterns, location, device information, your transaction history combined with third-party data to inform you of other products or services available from Woven and its affiliates, including announcements, promotional offers, alerts, confirmations, surveys, and/or other general communication.  When you sign up for marketing or other information, you may opt out at any time.

Tracking User Behavior

Customized Content and Advertising. Woven may keep track of the websites, app screens and features, and pages our users visit within Woven, in order to determine what Woven services are the most popular. This data is collected automatically when you visit our Site and is used to deliver customized content and advertising within Woven to customers whose behavior indicates that they are interested in a particular subject area.

Other Automatically Collected Information

Operations, Quality, Analytics. Information about your computer hardware and software may be automatically collected by Woven. This information can include your:

• Log information:  IP address, browser type, domain names, access times, and referring website addresses, app usage, events that occur within the app, performance data, and download source
• Device information:  including computer or mobile device you use to access our Services, hardware model, operating system, device identifiers, mobile network, battery life, gyroscopic data, and camera capabilities 
• Location information:  including GPS, WiFi, or wireless network triangulation 
• Email header information: including source and destination computers and ip addresses, DKIM Signatures, domain names, and message id
  

This information is used generally for the operation of the service, to maintain quality of the service, and to provide general statistics regarding use of Woven. It may also be used for:

• Site management 
• Improve Site experience 
• Understand the functionality of the app and improve app experience 
• App maintenance 
• Troubleshooting 
• Security and authentication
• Fraud detection and prevention‍

Use of Cookies

Improving and Personalizing the Services. The Woven website may use "cookies" to help you personalize your online experience. A cookie is a text file that is placed on your hard disk by a web page server. Cookies cannot be used to run programs or deliver viruses to your computer. Cookies are uniquely assigned to you, and can only be read by a web server in the domain that issued the cookie to you.

One of the primary purposes of cookies is to provide a convenience feature to save you time. The purpose of a cookie is to tell the Web server that you have returned to a specific page. For example, if you personalize Woven pages, or register with Woven site or services, a cookie helps Woven to recall your specific information on subsequent visits. This simplifies the process of recording your personal information, such as billing addresses, shipping addresses, and so on. When you return to the same Woven website, the information you previously provided can be retrieved, so you can easily use the Woven features that you customized.

You have the ability to accept or decline cookies. Most Web browsers automatically accept cookies, but you can usually modify your browser setting to decline cookies if you prefer. If you choose to decline cookies, you may not be able to fully experience the interactive features of the Woven services or websites you visit.

Do Not Track Signals. Some web browsers allow you to turn on Do Not Track ("DNT"), which sends signals to websites you visit, telling those sites that you do not want your online activities to be tracked. Our websites currently are not designed to respond to DNT signals received from web browsers.

Sharing Information with Third Parties

Marketing.  Once you've given us your name, phone number, and email address, we may use those three things to contact you with information that may be relevant to you, and we may share this information with third parties for our marketing purposes.  If you don't want to receive follow-up marketing from us, you can opt out at any time. 

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Service Providers.  Woven may share data with trusted partners to help perform statistical analysis, send you email or postal mail, provide customer support, or arrange for deliveries. All such third parties are prohibited from using your personal information except to provide these services to Woven, and they are required to maintain the confidentiality of your information.

Compliance with Legal Obligations. Woven may disclose your personal information, without notice, if required to do so by law or in the good faith belief that such action is necessary to: (a) conform to the edicts of the law or comply with legal process served on Woven or the site; (b) protect and defend the rights or property of Woven; and/or (c) act under exigent circumstances to protect the personal safety of users of Woven, or the public.

Changes in Business Structure/Ownership: We may disclose or transfer your personal information to a third party in the event of any reorganization, merger, sale, acquisition, joint venture, assignment, transfer, or other disposition of all or any portion of Woven's business, assets, or ownership interest (including through bankruptcy or similar proceedings).  

Woven does not sell, rent, or lease its customer lists to third parties, and it does not sell personal information of children under the age of 16.  

"Legal Categories" of Personal Information We Collect

The law requires us to tell you about the personal information we collect about you in a certain way – specifically, we need to tie it back to "legal categories" of personal information that are listed in the law.  To do this, we bundled up the information we gave you earlier in this Privacy Notice and matched the different types of personal information we collect about you with the legal category.  To make things easier to understand, we've put this information in a chart that shows you five things:

1. The legal category of personal information, 
2. The types of personal information we collect about you for each legal category, 
3. The source of the personal information we collect about you;
4. The purpose for which we collect and use your personal information for each legal category; and
5. The business purposes for which we share your personal information and with whom.

We've put this information in the California Privacy Chart at the end of this Privacy Notice.

California Privacy Rights

In certain circumstances, California residents may have the following rights regarding their personal information:

• The right to know what personal information we collect about you,
• The right to know how we share your personal information,
• The right to deletion of your personal information,
• The right to access and get a copy of the personal information we have about you, and
• The right to non-discrimination, or the right to equal service and price even when you exercise your privacy rights.

How to Make a Request: If you wish to exercise any of the rights we've described above, please contact us using any of the methods in the Contact Information section below.  Be ready to provide your name and email address, and if you have authorized an agent to make a request on your behalf, we will need you to provide the agent's name and email address, as well as your written authorization appointing the agent to make a request on your behalf.  

You can contact us to make a request by email, phone, or regular mail. 

Security of your Personal Information

Woven secures your personal information from unauthorized access, use, or disclosure. Woven uses the following methods for this purpose:

- SSL Protocol

When personal information (such as a credit card number) is transmitted to other websites, it is protected through the use of encryption, such as the Secure Sockets Layer (SSL) protocol.

We strive to take appropriate security measures to protect against unauthorized access to or alteration of your personal information. Unfortunately, no data transmission over the Internet or any wireless network can be guaranteed to be 100% secure. As a result, while we strive to protect your personal information, you acknowledge that: (a) there are security and privacy limitations inherent to the Internet which are beyond our control; and (b) security, integrity, and privacy of any and all information and data exchanged between you and us through this Site cannot be guaranteed.

Children Under Thirteen

Woven does not knowingly collect personally identifiable information from children under the age of thirteen. If you are under the age of thirteen, you must ask your parent or guardian for permission to use this website.

Disconnecting your Woven Account from Third Party Websites

You will be able to connect your Woven account to third party accounts. BY CONNECTING YOUR WOVEN ACCOUNT TO YOUR THIRD PARTY ACCOUNT, YOU ACKNOWLEDGE AND AGREE THAT YOU ARE CONSENTING TO THE CONTINUOUS RELEASE OF INFORMATION ABOUT YOU TO OTHERS (IN ACCORDANCE WITH YOUR PRIVACY SETTINGS ON THOSE THIRD PARTY SITES). IF YOU DO NOT WANT INFORMATION ABOUT YOU, INCLUDING PERSONALLY IDENTIFYING INFORMATION, TO BE SHARED IN THIS MANNER, DO NOT USE THIS FEATURE. You may disconnect your account from a third party account at any time. We use Google Identity Services and Sign in with Apple to allow easy registration with Woven. In the event that a user wishes to cancel their registration with Woven, they may contact us via email at register@wovenmoney.com.

E-mail Communications

From time to time, Woven may contact you via email for the purpose of providing announcements, promotional offers, alerts, confirmations, surveys, and/or other general communication. In order to improve our Services, we may receive a notification when you open an email from Woven or click on a link therein.

If you would like to stop receiving marketing or promotional communications via email from Woven, you may opt-out of such communications by clicking on the unsubscribe link presented in each e-mail.

External Data Storage Sites

We may store your data on servers provided by third party hosting vendors with whom we have contracted.

Changes to this Statement

Woven reserves the right to change this Privacy Policy from time to time. We will notify you about significant changes in the way we treat personal information by updating any privacy information on this page and/or sending a notice to the primary email address specified in your account.  Your continued use of the Site and/or Services available through this Site after such modifications will constitute your: (a) acknowledgment of the modified Privacy Policy; and (b) agreement to abide and be bound by that Policy.