Privacy Policy

Thank you for using our mobile application and services (NöönIQ). This Privacy Policy explains how we collect, use, and disclose information about you when you use our Platform. Information We Collect 1. Personal Information: We may collect personal information such as your name, email address, postal address, phone number, date of birth, and payment information (such as credit card details) when you register an account, make purchases, or use certain features of the Platform. 2. Device Information: We may collect information about your device, including the device type, operating system, unique device identifiers, IP address, and mobile network information. 3. Usage Information: We may collect information about how you use the Platform, including your interactions with the Platform, browsing history, search queries, and usage patterns. 4. Location Information: With your consent, we may collect information about your precise or approximate location when you use certain features of the Platform. How We Use Your Information We may use the information we collect for the following purposes: • To provide and maintain the Platform; • To process transactions, including purchases and cash-outs; • To communicate with you, including responding to your inquiries and sending you updates, promotions, and other information about our products and services; • To personalize your experience and improve the Platform, including analyzing usage patterns and optimizing content and features; • To detect, prevent, and address technical issues, fraud, and security breaches; and • To comply with legal obligations and enforce our policies. Disclosure of Your Information We may disclose your information to third parties for the following purposes: • To service providers and business partners who assist us in providing the Platform and processing transactions; • To comply with legal obligations or respond to lawful requests from government authorities; • To protect our rights, property, or safety, or the rights, property, or safety of others; and • With your consent or as otherwise described in this Privacy Policy. Data Retention We may preserve your Personal Data for as long as you use the platform or have an account with us, or as long as necessary to accomplish the purposes set forth in this Privacy Policy. We may retain your Personal Data after you deactivate your account and/or stop using the Service if we believe that such retention is reasonably necessary to comply with our legal obligations, resolve disputes, prevent fraud and abuse, enforce our Terms and other agreements, and/or protect our legitimate interests. We shall erase your Personal Data if it is no longer necessary for these purposes. We will retain your information for as long as necessary to fulfill the purposes outlined in this Privacy Policy unless a longer retention period is required or permitted by law. Security of Your Information Our administrative, technical, and physical security measures safeguard your personal information. While we have taken reasonable steps to secure the personal information you provide to us, please keep in mind that no security system is flawless or impenetrable, and no means of data transfer can be guaranteed to be free of interception or other type of misuse. Any information disclosed online is subject to interception and exploitation by unwanted parties. As a result, we cannot guarantee the complete confidentiality of any personally identifiable information you provide. However, please be aware that no method of transmission over the Internet or electronic storage is 100% secure. Children's Privacy The Platform is not intended for children under the age of [insert minimum age for cash out]. We do not knowingly collect personal information from children under this age. If you believe that we may have collected personal information from a child under this age, please contact us immediately. GDPR and CCPA Compliance We are committed to complying with the General Data Protection Regulation (GDPR) and the California Consumer Privacy Act (CCPA). If you are a resident of the European Economic Area (EEA) or California, you have certain rights with respect to your personal information, including the right to access, delete, or correct your information. Please contact us for more information about exercising your rights. International Data Transfers Your data may be transferred to and processed in countries outside your country of residence, including countries outside the European Economic Area (EEA) or other jurisdictions with different data protection laws. We ensure that appropriate safeguards are in place to protect your data in accordance with applicable data protection laws, such as using standard contractual clauses approved by the European Commission or obtaining your explicit consent where required by law. Cash Out Fees and Account Suspension Our Platform includes a cash out feature where users may incur fees during the cash out process. Any fees incurred during the cash out time will be absorbed by the user. We maintain a structured process for suspending and terminating user accounts found to be engaging in abusive behavior or violating our Terms of Service. Transparently outlining this process in our terms of service will clarify the consequences of such actions and serve as a deterrent. Consideration should also be given to implementing temporary suspensions as an initial measure for minor offenses, allowing for education and reformation. Stripe Policy Financial information, such as credit card numbers, brands, and expiry dates, that we may collect when you make a purchase, order, return, exchange, or request information about our services via the Site. We store just a small portion of the financial information we collect if any at all. Otherwise, all financial information is stored by our payment processor, Stripe and you are recommended to review their privacy policies and contact them directly if you have any concerns. We would like to share with you the Stripe policy regarding processing fees: • Stripe's processing fee is 2.9% + $0.30 per successful charge using domestic cards. • If you are onboarding Connect, your connected users can cash out after you transfer funds to their account; there will be 0.25% + $0.25 per payout sent and $2 per active account (Express and Custom). For more information, please visit: https://stripe.com/pricing Tracking Technologies Web Beacons and Cookies We utilize cookies, web beacons, tracking pixels, and similar tracking technologies on the Platform to enhance your browsing experience and optimize its performance. These tracking technologies do not gather personal information about you when you interact with the Platform. Most web browsers are set to accept cookies by default, but you have the option to reject or remove cookies, although this may affect the availability and functionality of the Platform. Please note that web beacons are not subject to opt-out preferences. However, you can deactivate them by adjusting your browser settings to notify you whenever a cookie is being sent, allowing you to accept or decline cookies on a case-by-case basis. For detailed information on how we utilize cookies, please refer to our Cookie Policy, which forms an integral part of this Privacy Policy. By accessing and using the Platform, you consent to our Cookie Policy. Internet Advertising Furthermore, we may employ third-party software to deliver advertisements on the Platform, manage email marketing campaigns, and conduct other forms of interactive marketing. Such third-party software may utilize cookies or similar tracking technologies to assist us in enhancing and optimizing your online experience with us. For instructions on how to opt out of interest-based advertising, please visit the Network Advertising Initiative Opt-Out Tool or the Digital Advertising Alliance Opt-Out Tool. Website Analytics In addition, we may collaborate with carefully selected third-party vendors to implement tracking technologies and remarketing services on the Platform, utilizing both first-party and third-party cookies to analyze and track user interactions with the Platform, evaluate the popularity of specific content, and gain insights into online activities. By using the Platform, you acknowledge and consent to the collection and utilization of your information by these third-party vendors. We recommend reviewing their respective privacy policies and contacting them directly with any concerns. Please note that we do not share any personal information with these third-party entities. If you wish to opt out of tracking technologies collecting and utilizing your information, you can do so by visiting the relevant third-party vendor's website or utilizing the Network Advertising Initiative Opt-Out Tool or Digital Advertising Alliance Opt-Out Tool. Please be aware that when you purchase a new device, install or update a web browser, or clear or modify your browser's cookies, certain opt-out cookies, plugins, or preferences may also be removed. Third-Party Platforms The Platform may feature links to third-party websites and applications, including advertisements and third-party services, which may be of interest to you. Once you navigate away from the Platform via these links, any information you provide to these third parties is not governed by this Privacy Policy, and we cannot ensure the security or privacy of such information. Before accessing or disclosing information to any third-party platform, we recommend familiarizing yourself with their privacy policies and practices (if applicable) and taking appropriate measures to safeguard your privacy. We do not assume responsibility for the content, privacy policies, or security practices of third parties, including any other websites, services, or applications accessible through or linked to the Platform.