Privacy Policy

Last Updated: April 3, 2024

GENERAL

DuckyBank LLC (“DuckyBank”, “Company”, “we”, “us”, “our”) prioritizes your privacy and aims to gain your trust. This online Privacy Policy (the “Statement” or “Privacy Policy”) describes our privacy practices for personal information collected when you use, share or access our products, services, features, or content through any of our website (including https://www.yoorkids.com), applications, mobile application (including YoorKids), content, products, and related services.

It also outlines our related services (collectively known as the Our Platform, including any new features and applications, referred to as “Our Services”) provided to users and visitors (“you” or “your”), including but not limited to account creation, setting up a Recipient, setting up a Receiving Account to accept monetary contributions (“Gifts”), sending financial gifts for Recipients, creating visual representations gifts, including digital media (“Coins”), as well as when you apply or express interest in employment with or are employed by Our Company. As used in this Privacy Policy, the term “Site” includes all of our Services websites, pages that are associated with or within each website, mobile application and all devices, applications or services that we operate or offer that link to this Policy.

This Privacy Policy (the “Policy”) describes and governs how we collect, use, share, and protect information collected in the context of our Services. Before using or submitting any information through or in connection with the Services, please carefully review this Policy. By using any part of the Services, you consent to the collection, use, and disclosure of your information as outlined in this Policy. The English version of this Policy is binding, and other translations are provided for convenience only, to the extent allowed by law. If you are a resident of California, the California Consumer Privacy Act of 2018 grants you additional rights. Please refer to the California Consumer Privacy Act Notice for more information.

The term “personal information” in this Policy refers to data that falls under the categories of personal information, personal data, nonpublic personal information, or any equivalent term as defined by relevant data privacy and security laws and regulations. It does not encompass data that is excluded or exempted from such laws and regulations. This Statement does not imply or provide evidence that any specific law or regulation applies to us as a whole or in any particular context.

CONSENT TO PRIVACY POLICY

Please carefully read this Privacy Policy. We suggest saving a copy for future reference. By accessing, browsing, using the Site, using the Site or engaging with us, you confirm that you have read, understood, and agree to this Privacy Policy and the Terms of Use, as well as any other applicable terms or agreements. If you do not agree to this Privacy Policy, then you may not use our Site or Services. We may provide additional privacy notices where appropriate. It is important to read this Statement together with any other privacy notice to fully understand how and why we are using your data.

INFORMATION WE COLLECT

As further described below, when you use or otherwise access the Services, we collect information in multiple ways, including when you provide information directly to us, and when we passively collect information from your browser or device (e.g., by logging how you interact with our Services, or use of cookies). We also may collect Geolocation Information (defined below). If you do not agree to our collection of this information, you may not be able to use our Service.

Information That You Provide Directly to Us

Creation of YoorKids (adult) Account

When you register for our Services or open an account, we collect your contact and login details, legal name, and any information you choose to provide us (such as a profile picture). We also collect a password and or passcode to secure your account. If you have any questions about or wish to review or correct the information we maintain about you, you may send an email to the email address or mailing address set forth under “Contacting YoorKids”.

Creation of Payment Account

When you send a Coin or a Gift in the Site, we require additional contact details (such as your address and date of birth), and any information you choose to provide us to verify bank account ownership. For the verification process we will request the last 4 digits of your Social Security Number (SSN). We do not save your SSN to our database or within the Site and only use this to provide to our payment processor for verification purposes.

Our payment processors collect your payment method details (bank account for ACH payment) and other information necessary to process the money transfer.

Creation of a Child Profile

You may choose to create a child profile that allows you to setup a receiving account to receive gifts for the benefit of that child, view coins and content sent to that profile or activate that profile to remove all money transmission and balance functionalities. When you create a Child Profile in the Site, we collect the child’s name or nickname and information you choose to provide us (such as a profile picture, gifting events, date of birth, etc.). We understand the sensitivity of your child’s personal information and will limit our use of it to provide you with the Services.

Creation of a Receiving Account

Our payment processors collect and maintain information related to your withdrawal of funds for any Recipient. This additional information may include your email, financial destination account information and identity verification details and documents. If you choose to verify this account further details will be required, including your date of birth, address, last 4 digits of your SSN. We do not save your SSN and only use this to provide to our payment processor.

Gifting to someone without a application profile

Our payment processors collect your payment method details (credit card or bank account for ACH payment) and other information necessary to process Gifts. We collect the recipient’s contact information, such as name, phone number and email.

Coin Details and Content

When you create a coin, you can add digital media, such as gifs, photos, videos, etc. Any content included on a coin that you choose to add may be available to the public to use, view and share, including both us, other users, your connection and the receivers connection in the Site. Please be considerate and respectful of others while using the Site and sharing media. We reserve the right, but do not have the obligation, to review and monitor such content or any other content on our Services, and to remove content that may be viewed as inappropriate or offensive to others.

Social Media

If you engage with us on social media, we may gather the information you post. Remember that your comments will be publicly visible, so it’s important not to disclose any personal information you want to keep confidential.

Third Party Data

You can choose to provide us with information relating to third parties, including sharing your application profile and inviting others to join or send gifts in the Site with family and friends. We request access to information stored in your device’s address book, such as: names, email addresses, phone numbers of your contacts (collectively, “Third Party Data”).

If you use any feature of the Services that allows you to communicate with third parties (such as to refer a third party to the Services or to communicate with them regarding a campaign or a Gift), either by submitting Third Party Data to the Services or otherwise permitting the Services to automatically access Third Party Data in your possession, you acknowledge and agree that you have the authority of the relevant third party for us to access and use the relevant Third Party Data and that you have notified these third parties and informed them how their information is collected and used by us to provide the Services.

We reserve the right to identify you as the person who has made the referral in any messages that are sent to them. We use Third Party Data to contact the third party using the data provided and may provide you with an editable default message to support your communication with the third party through the Services. We may send reminders or related messages to you and the third party on your behalf where permitted by applicable law. All communications sent to third parties will provide a means to “opt out” or “unsubscribe” of the receipt of further similar communication.

Information you provide when you contact us

Your response to surveys, recorded conversations, chat conversations with us, email correspondence with us, account status, repayment history, information about others if you choose to share it with us.

Job Applications and Employment

If you apply for a job with or are employed by us, we will collect various pieces of information about you.

Passively or Automatically Collected Information

Device & Usage Information

When interacting with Our Company through the Services, we automatically receive and store certain information from the devices used to access the Services. This information is collected passively using various technologies and includes the type of internet browser or mobile device used, the website from which you accessed the Services, your operating system, and location data through an IP address that identifies the city and state where you logged into the Platform or your precise geo-location if you have permitted your mobile device to provide that information. We store this information itself or include it in databases owned and maintained by our company, its agents, or service providers.

Geolocation Information

Information that identifies with reasonable specificity your location by using, for instance, longitude and latitude coordinates obtained through GPS, Wi-Fi, or cell site triangulation. We will collect this data for fraud and risk purposes, as well as gift detail to show where you were when sending a gift. In addition, some of our Services may ask you for permission to disclose your current location within your device settings to enhance our Services. If you do not agree to our collection of Geolocation Information, our Services may not function properly when you try to use them. For information about your ability to restrict the collection and use of Geolocation Information to enhance our Services, please refer to the settings available on your device.

Data Compilation

We conducts research on customer demographics, interests, geolocation and behavior to enhance our services. We collect information to understand how our services are being used and make improvements accordingly. The collected data can be de-identified and aggregated for research purposes. We may share this information with our affiliates, agents, business partners, or third parties like Google Analytics.

Cookies and Other Electronic Technologies

When you visit our Site or use our Services, cookies or other electronic technologies may be used by our web server, third-party business providers, and social networking services integrated into the Service. These technologies serve various purposes to enhance user experience.

Cookies are electronic technologies used when visiting a platform or using services. These cookies serve various purposes to enhance the user experience. They can be set by the platform itself or by third parties. Cookies are used for functional purposes, such as maintaining and improving services, as well as enhancing user experiences. Additionally, third-party web analytics services are utilized to analyze user interactions with the platform. This information, including IP addresses, is shared with service providers for evaluation and may be used for interest-based advertisements. Cookies are used to gather information about access and usage of the platform, enabling navigation, customization, identification of unique visitors, and insights into popular functions. Users have the option to modify browser settings to block or receive notifications when cookies are set, but this may limit access to certain features. Privacy settings can also be adjusted on mobile devices. www.AboutCookies.org is a resource to learn more about cookies.

Type of Cookies – We use cookies for functional purposes to maintain and improve our Services, as well as to enhance your experiences. Some of these cookies are set by us to collect and process certain data on our behalf, while others are set by third parties.

Analytics & Research – Third party web analytics services, such as Google Analytics and Microsoft Clarity, are utilized to analyze how users interact with our Services. This includes tracking the website from which you arrived and providing specific features. The information collected, including your IP address, is shared with these service providers for evaluation and may be used to display interest-based advertisements on the Site. You may opt out of Google Analytics using the Google Analytics Opt-out Browser Add-on.

Why we use Cookies – We use cookies to gather information about your access and usage of the Site. This enables us to: a) facilitate navigation and utilization of all Site features b) customize elements of the layout and content based on previous visits c) identify unique visitors d) improve the Site by understanding popular functions e) gain insights into how you use the Site such as time spent on the Site and referral sources. We may adopt new technologies that may result in additional information being collected through alternative methods. Any changes will be communicated through updates to this Privacy Policy.

Your Cookie preferences – Most web and mobile browsers automatically accept cookies. However, you can modify your browser settings to block or receive notifications when a cookie is set. Each browser has specific instructions available (e.g., Google Chrome, Internet Explorer, Apple Safari, Mozilla Firefox, etc.). Tools are also available for tailored advertising, opting out of advertising, and managing flash technologies and local storage objects. Blocking cookies may limit your access to certain features or offerings of the Services. If you access our Services via a mobile device, you can adjust privacy settings through options like “Limit Ad Tracking” and Diagnostics and Usage on Apple devices, or by resetting your Android ID through apps in the Play Store. Uninstalling the App and using the standard uninstall process provided by your device can also limit information collection.

Duration of cookies on your device – The duration of cookies on your device varies. Some cookies, known as “session cookies,” are active only during your browsing session and are automatically deleted when you close your browser. Other cookies, called “persistent cookies,” remain on your device even after you close your browser. The length of time they stay will vary. Persistent cookies serve various purposes, such as storing your preferences for future visits and tracking your usage of the site over time, including the effectiveness of advertising efforts.

Cookie Management – You have the option to manage cookies by adjusting your browser settings to block all or some of them. However, if you choose to block all cookies, including essential ones, you may not be able to access certain parts of the site.

Do Not Track Signals – we are not aware of an industry agreed standard response to a Do Not Track signal. At this time, our Site does not respond differently based on a user’s Do Not Track signal.

OUR USE OF INFORMATION COLLECTED

Our primary purpose in collecting personal information is to provide you with a safe, smooth, efficient, fun and customized experience. We use the information collected from the Services in a manner that is consistent with this Policy. We use the information that you provide (or otherwise permit the Services to access) for the following purposes:

• Present our Site and its contents in a suitable and effective manner for you and your device.
• Improve our operations, Site, and services.
• To analyze data usage trends and preferences in order to improve the accuracy, effectiveness, security, usability or popularity of our Services.
• Customize, personalize, measure, and improve our services, website content, and layout.
• Enhance the security of the Services using Geolocation Information.
• Provide location-specific options, functionality, offers, advertising, search results, or other location-specific content.
• Advertise opportunities, services, or products that may interest you.
• Send updates about new products and services we offer.
• Compare and verify information for accuracy with third parties.
• Provide customer support, manage your account, troubleshoot issues, and respond to requests, questions, or comments.
• Provide the services and customer support you request.
• Process transactions, match payments, and send notices about your transactions or network activity.
• Resolve disputes, collect fees, and troubleshoot problems.
• Prevent fraudulent, prohibited, or illegal activities using risk and fraud tools.
• Create an account connection between payment account and a third-party account or platform.
• Notify you about additions, upgrades, or changes in our services.
• Comply with legal and regulatory requirements, prevent fraud, and enforce our rights arising from contracts.
• Perform other duties required by law.
• Other purposes that you provide consent for.

OUR DISCLOSURE OF INFORMATION COLLECTED THROUGH THE SERVICES

We share information collected through the Services with certain third parties in the following circumstances:

Business Transfers

If we sell or buy businesses or assets, user information may be part of the transferred assets.

Agents, Consultants, Vendors and Related Third Parties

We hire other companies to perform functions on our behalf and provide them with access to your information. We limit the personal information provided to these service providers to what is necessary for them to perform their functions, and require them to maintain the confidentiality of such information.

Legal Requirements

We can access, disclose, transfer and preserve your information when required by law, to protect legal rights, privacy, safety or property, to pursue available remedies, or to enforce this Policy or any applicable Terms of Service.

Coin Gift Receivers and Recipients

We share your information with Receivers, including your name, email address and other information or content you’ve provided in the creation of your Coin gift sent to the Receiver, who may contact you.

Aggregate and De-Identified Information

We may use and disclose aggregate and de-identified data for any lawful purpose.

Cookies and Other Electronic Technologies

Information is shared as stated in the Section entitled “Cookies and Other Electronic Technologies”.

Other Users of Our Services

We provide your information to other users of our Services if you choose to make your information publicly available in a publicly accessible area of the Services. This includes other users seeing your child profile, gifts, coins and contents of the coin if you agreed on connecting with the other user.

AGE REQUIREMENT

Our Services are not intended for individuals under the age of 18. We do not knowingly collect personal information for children under the age of 18 years. If you are under 18, please refrain from using these Services or providing any information through them. If you believe that a child under 18 has provided personal information to us, please contact us at the email address or mailing address set forth under “Contacting YoorKids” and we will remove the information as required by law.

THIRD PARTY PARTNERS

We utilize partners to handle help gifters send money to senders. By creating an account in Our Services, you explicitly give consent for us to share your contact and financial account information with partners in order to establish and support your account. It is your responsibility to ensure the accuracy and completeness of this data.

LINK TO OTHER WEBSITES AND SERVICES

This Policy applies only to our Services. The Services may contain links to Third-Party Sites that are not operated or controlled by Our Company. The policies described here do not apply to these Third-Party Sites. We recommend contacting those sites directly for information on their privacy policies.

SECURITY

We have implemented security measures to protect information provided through the Services from loss, misuse, and unauthorized access. However, no Internet or email transmission is completely secure. Please exercise caution when sending information to us via email. Keep in mind that email sent to or from the Services may not be secure.

RETENTION OF YOUR INFORMATION

We will retain information for as long as necessary and permitted by applicable laws. When we no longer need your information, we will remove it from our systems or anonymize it according to our internal document retention policies. Factors considered when determining the retention period include the type of products and services requested, the nature and length of our relationship with you, and legal requirements.

PROTECTING PERSONAL INFORMATION

We prioritize the security of your personal information. To safeguard it, we implement reasonable organizational and technical measures. These measures prevent unauthorized access, disclosure, alteration, or destruction. In case of a data breach, we will inform you and/or the relevant supervisory authority as required by law. However, please note that absolute security is not possible on the Internet.

YOUR RIGHTS AND CHOICES

You can access and correct certain information about you by updating your details in the Services or by contacting us at the email or mailing address provided under “Contacting YoorKids.” You can also request copies of personal information held by us. If the information is inaccurate, please let us know and we will make the necessary amendments, erasures, or blocks as requested.

USERS FROM OUTSIDE THE UNITED STATES

The Site is hosted and intended for use in the United States. By using the Site or our Services, you consent to the transfer, storage, and processing of your information in the United States and other countries where our servers are located. Please note that data protection laws may differ from those in your country.

INVITING OTHERS

If you want to recommend us to others, you can either share your referral link with them individually or provide their contact details directly. Alternatively, you can allow us to access your device’s contacts. It’s important to note that we don’t collect any personal information from your friends or family members when you share the referral link. Personal information is only collected if the person decides to sign up with Our Services. However, you will receive communications regarding your referrals. For example, you’ll be notified if someone signs up for Our Services. Additionally, we may use the referral link to credit both of your accounts with any eligible referral offers. We might automatically add the referral as a connection in the Service or send them a connection request.

OTHER TERMS

Your access to and use of the Services is subject to the Terms of Service and any other terms provided in connection with your use of the Services.

ADVERTISING AND MARKETING CHOICE

Each marketing communication will include instructions on how to “opt out” of future communications. If you no longer wish to receive marketing communications or be on our mailing lists, please contact us at the email or mailing address provided under “Contacting YoorKids.” However, we may still send you emails regarding your account or requested Services.

CHANGES TO OUR PRIVACY POLICY

We reserve the right to update or modify this Policy at any time. Any updates or changes will be published. If you disagree with the revisions, you can deactivate your account or stop using our Services. Please review this Policy periodically for updates or changes.

CONTACTING US

If you have any questions about Our Policy or the information practices of the Services, please contact us at support@duckybank.com.