Last Updated: 09/24/2024

TCS Digital, LLC ("Skwad," "we," "us," or "our") is committed to protecting the privacy and security of the personal information we collect from our users. This Privacy Policy describes how we collect, use, disclose, and safeguard your information when you visit our website and use our mobile application (collectively referred to as the "Platform"). By accessing or using the Platform, you signify that you have read, understood, and agree to our collection, storage, use, and disclosure of your personal information as described in this Privacy Policy.

1. INFORMATION WE COLLECT

1.1 Personal Information: When you sign up for Skwad, we may collect certain personal information from you, such as your name, email address, and payment details, in order to create and manage your account. We collect this information directly from you when you voluntarily provide it to us.

1.2 Usage Data: We may automatically collect information about your interactions with our Platform, including the features you use, the pages you visit, and your device information. This information may include your IP address, browser type, operating system, referring URLs, and other similar data.

1.3 Email Inbox Data: Skwad Scan is a feature that allows us to parse and categorize spending alerts and deposit notifications sent to a dedicated email inbox on your behalf. We may share this information with our partners for processing purposes only. Our partners are strictly prohibited from storing this data or using it for training purposes. For more information on how our partners handle your data, please refer to OpenAI's privacy policy. We do not sell this information to any third parties.

1.4 Receipt Information: If you choose to use our receipt scanning feature, we may collect and store images and text of your receipts for expense tracking and processing purposes. We do not sell this information to any third parties.

1.5 Cookies: We use cookies and similar tracking technologies to enhance your experience on Skwad and gather information about your usage patterns. Cookies are small data files stored on your device that help us recognize you and remember your preferences. You can manage your cookie preferences through your browser settings.

2. HOW WE USE YOUR INFORMATION

2.1 Personalization: We may use the information we collect to personalize your experience on Skwad, including providing tailored recommendations and insights based on your spending habits. This helps us deliver a more relevant and enjoyable experience for you.

2.2 Account Management: We use your personal information to create and manage your Skwad account, process transactions, and communicate with you about your account status. This includes sending you important updates, security alerts, and other administrative messages.

2.3 Improvements: We analyze usage data to improve the functionality, performance, and user experience of Skwad. This helps us identify and fix bugs, optimize our Platform, and develop new features and services that meet the needs of our users.

2.4 Marketing: With your explicit consent, we may use your contact information to send you promotional materials and updates about Skwad and its features. You can opt-out of receiving these communications at any time by following the unsubscribe instructions provided in the messages or by contacting us directly.

3. DATA SECURITY

We take the security of your information seriously and implement a variety of industry-standard measures to protect it against unauthorized access, disclosure, alteration, or destruction. These measures include encryption, firewalls, access controls, and regular security audits.

4. DATA RETENTION

We retain your personal 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. When determining the appropriate retention period, we consider the nature and sensitivity of the information, the potential risk of harm from unauthorized use or disclosure, the purposes for which we process the information, and any applicable legal requirements.

If you wish to delete your account or request the deletion of your data, please contact us at [email protected]. We will promptly process your request, subject to any legal obligations we may have to retain certain information.

5. THIRD-PARTY SERVICES AND SUB-PROCESSORS

Skwad may integrate with third-party services or platforms, such as payment processors or analytics providers, to facilitate certain features or functions of our Platform. These third-party services may have their own privacy policies governing the collection, use, and disclosure of your information. We encourage you to review the privacy policies of these third-party services before using them in conjunction with Skwad.

Stripe (Stripe, Inc)
We use Stripe for payment processing services for transactions made on the Platform.
Privacy Policy: https://stripe.com/privacy

OpenAI (OpenAI, L.L.C.)
We use OpenAI's language models for data parsing, analysis, and related functionalities.
Privacy Policy: https://openai.com/privacy

Sinch (Sinch)
We use Sinch's communication APIs for sending and receiving emails.
Privacy Policy: https://www.sinch.com/privacy-policy/

SimpleFIN (One Part Rain, LLC)
We use SimpleFIN's financial data aggregation and access to banking or financial information for enhanced functionality.
Privacy Policy: https://beta-bridge.simplefin.org/info/privacy

6. UPDATES TO PRIVACY POLICY

We reserve the right to update or modify this Privacy Policy at any time, without prior notice, by posting the revised version on our website. The updated Privacy Policy will be effective as of the date it is posted. We encourage you to review this Privacy Policy periodically to stay informed about how we are protecting your information.

If we make any material changes to this Privacy Policy, we will notify you by email (sent to the email address specified in your account) or by means of a notice on our website prior to the change becoming effective.

7. CONTACT US

If you have any questions, concerns, or complaints about this Privacy Policy or our data practices, please contact us at:

TCS Digital, LLC
Attn: Skwad Privacy Policy
Email: [email protected]

We will make every effort to respond to your inquiries in a timely and satisfactory manner.

8. LEGAL BASIS FOR PROCESSING (EEA USERS)

If you are an individual from the European Economic Area (EEA), our legal basis for collecting and using your personal information will depend on the specific context in which we collect it. Generally, we will collect personal information from you only where: (a) we have your consent to do so, (b) where we need the personal information to perform a contract with you, or (c) where the processing is in our legitimate interests and not overridden by your data protection interests or fundamental rights and freedoms.

If we ask you to provide personal information to comply with a legal requirement or to perform a contract with you, we will make this clear at the relevant time and advise you whether the provision of your personal information is mandatory or not (as well as of the possible consequences if you do not provide your personal information).

9. YOUR RIGHTS (EEA USERS)

If you are an individual from the EEA, you have certain rights under the General Data Protection Regulation (GDPR) with respect to your personal information, including the right to request access to, correct, amend, delete, port, or limit the use of your personal information. You also have the right to withdraw consent at any time where we are relying on consent to process your personal information.

To exercise these rights, please contact us at [email protected]. We will respond to your request within a reasonable timeframe and in accordance with applicable data protection laws.

If you have any unresolved concerns, you have the right to lodge a complaint with a data protection authority in the country where you live, work, or where you believe your rights have been infringed.

BY ACCESSING OR USING THE PLATFORM, YOU SIGNIFY THAT YOU HAVE READ, UNDERSTOOD, AND AGREE TO BE BOUND BY THIS PRIVACY POLICY. IF YOU DO NOT AGREE TO THIS PRIVACY POLICY, YOU MUST NOT ACCESS OR USE THE PLATFORM.