Privacy Policy

Fee Navigator Inc. (“Fee Navigator”, “We”, “Our”) provides automated merchant statement analysis, lead generation, and insights and operates the website at www.FeeNavigator.com (the “Site”). In the course of providing the Site and services through the Site, including software and email updates (our “Services“) we collect information about you.

This privacy policy (the “Privacy Policy“) explains how we collect, use, share and protect information about you as someone who accesses or uses the Services. It also explains what your choices are regarding the collection, use and sharing of your information.

By using the Services you are agreeing to this Privacy Policy. If you do not agree, then do not use the Services.

This privacy policy applies to information we collect:
– On this Site and other Services provided by us and on which a link to this Privacy Policy is displayed
– In e-mail, text and other electronic messages between you and this Site

It does not apply to information collected:
– Offline or through any other means, including on any other website
– By any third party, including through any application or content that may link to or be accessible from the Site. We encourage you to carefully review the privacy policies of any third party services you access.

INFORMATION WE MAY COLLECT AND STORE

Information Provided in Forms

In order to use some of the Services, including commenting on our blog, and uploading or downloading content, you will need to provide information such as your first name, last name, email, URL address, telephone number, company name and role in the company, as well as sample merchant statements.

Usage, Log, Cookies

When you use our Services, we, or our third party providers, may use a variety of technologies that collect information about how you use and access the Services. This is described in more detail in the Section “Cookies and Other Technologies” below. The information we collect may include:

Feedback and email communications you send us: Any feedback, questions, comments, suggestions, ideas, or the like that you send to us. These will be treated as non-confidential and non-proprietary and we may use them and share them with third parties. We collect the email addresses of those who communicate with us by email. We may record your inquiries in our database.
Emails sent to you: Information on your interaction with emails sent to you in connection with the Services, including when you open and act upon our emails including clicking links in them.
Activity data: This includes information, such as the time of an event, how you came to the Services, what search engine and search keywords you may have used to get to the Service, your activities on the Services including: pages visited, referring sites, forms submitted on the Site and the submission time, social media username and information about your activities in your social media accounts, including: clicks, username, bio, and friends or followers.
Device Information: Information about the device you are using such as, hardware model, operating system, application version number and browser, mobile network information, IP addresses, user names, real names, email addresses and other custom properties.
Log Information: Server logs regarding how you use the Services or view content provided by Google, [or otherwise viewable in your browser], which may include: Google search queries, telephony log information like phone number, calling party number, forward number, time and date of calls, duration of calls, SMS routing information and types of calls, IP address, operating system, device event information such as crashes, system activity, hardware settings, browser type, browser language, the date and time of your request and referral URL, sources from which you arrived to our Site (web page, email, etc.); cookies that may uniquely identify your browser or your Google Account.
Location Information: Information about your estimated location which may be deduced by various technologies including your IP address.

Hubspot

We use a tool called “Hubspot” to collect some information we listed above about your use of the Services. We use the information we get from Hubspot to improve the Services. In order to collect this information, Hubspot may set cookies on your browser or mobile device, or read cookies that are already there. We do not combine the information collected through the use of Hubspot with personally identifiable information. Hubspot is prohibited from using your information, except as necessary to provide and improve its services to Fee Navigator, as permitted by its Privacy Policy available at https://legal.hubspot.com/privacy-policy, and as required by law.

Social Media Features

Our website includes Social Media Plugins and Widgets (“Features”). These Features may collect your IP address, which page you are visiting on our Site, the date and time of your visit, and other browser- and device-related information whether or not you are logged into the relevant Social Media account. If you are logged into the relevant Social Media account, this data may be associated with your user name. The Features may also set cookies to enable them to function. This information may be used by the parties providing such Features for advertising purposes. The Features are either hosted by a third party or hosted directly on our Site. Your interactions with these features are governed by the privacy policies of the relevant social media networks whose Features are included on the Site. Please see these policies for more information about the collection and use of your information by these Features. Please see the “Changing or Deleting Your Information” Section below to see some ways you may opt out of certain targeted advertising.

HOW WE USE THE INFORMATION COLLECTED

We may use the information we collect, including information which identifies, or together with other information may identify, you (“Personal Information”) in the following ways:

To contact you in connection with your use of the Services or our products or services
To offer you additional products or services that may be of interest to you
To communicate with you about the Services by email which you agree to receive
For the specific purpose for which the information was provided
To help diagnose problems with our server and to administer the Site
To generate aggregate statistical studies
To prevent or detect fraud
To enforce the Terms of Use (https://www.feenavigator.com/terms-of-use), including to protect the rights, property, or safety of Fee Navigator, its users, or any other person, or the copyright-protected content of the Services
As required by law or regulation, or as requested by government authorities
To analyze how you use the Services, including how you interact with applications, advertising, products, and services that are made available, linked to, or offered through the Services

HOW WE SHARE THE INFORMATION COLLECTED

Information on Public Areas of the Site

If you choose to comment on a blog, or otherwise participate in a discussion on a public area of the Site, please remember that any information that you disclose in these areas becomes public information. You should exercise caution when deciding whether or not to disclose your personal information.

Service Providers

We may share your Personal Information with service providers to perform functions and process your data, consistent with this Privacy Policy, in order to help us provide our Services. For example, we work with providers such as Hubspot. For our mailing, our third-party providers may have access to information we provide to them including your email address, as well as to the content of emails we send to you. Emails sent to you in connection with the Services may include single pixel gifs, also called web beacons. They provide our third-party providers access to the information listed above under “Emails sent to you”. For the production of reports to improve our Services, these third party providers may get access to information listed above under “Activity Data” and “Log Information”. We also work with providers such as Hubspot to conduct marketing. We share with them the information listed under “Information provided in forms” above.

Other Sharing

In addition to the uses described above, we may also share your information with third parties for the following purposes:

When you explicitly consent to the disclosure of such information to a third party when connecting to a third-party service that asks you if you consent to such sharing
To a parent company, subsidiaries, joint ventures, or other companies under common control with us
In connection with a merger, acquisition, consolidation, change of control or sale of all or a portion of our assets or if we undergo bankruptcy or liquidation
Where we are legally required to do so, such as in response to court orders or legal process, or to establish, protect, or exercise our legal rights or to defend against legal claims or demands, or to comply with requirements of mandatory applicable law
If we believe it is necessary in order to investigate, prevent, or take action regarding illegal activities, fraud, or situations involving potential threats to the rights, property, or personal safety of any person
In an emergency or to protect the safety of any person
If we believe it is necessary to investigate, prevent, or take action regarding situations that involve abuse of the Services infrastructure or the Internet in general (such as voluminous spamming, denial of service attacks, or attempts to compromise the security of the website infrastructure or the Services generally)
To prevent or detect fraud or to address technical issues
To enforce this Privacy Policy, the Terms of Use (https://www.feenavigator.com/terms-of-use) and any other terms that you have agreed to, including to protect the rights, property, or safety of Fee Navigator, its users, or any other person, or the copyright-protected content of the Services;
We may also share de-identified or aggregated information about you with third parties, including with academic researchers for purposes including statistical analysis and academic study.

Please see the section “Cookies and Other technologies” below for information about the technologies that we and third parties use to collect information and to learn about options in connection with these.

SECURITY AND INFORMATION PROTECTION

We take reasonable precautions to protect your Personal Information. For example, all Personal Information collected by us is transferred over https, and all Personal Information stored by us or for us is kept on a server in a secure environment. Only employees, our partners and any sub-contractors who need the information to perform a specific service are granted access to the information. Please remember that the Internet is not a 100% secure medium for communication, and we cannot guarantee that your Personal Information will always remain private when you use the Services.

POLICY REGARDING CHILDREN

The Services are not directed to children under the age of 13. We do not knowingly collect Personal Information from children under 13. If you are under 13, please do not use the Services and do not provide any Personal Information to us. If you become aware that your child has provided us with Personal Information without your consent, please contact us at privacy@FeeNavigator.com. If you are a California resident under the age of 18 and you wish to remove publicly available content, please contact us at privacy@FeeNavigator.com.

THIRD PARTY LINKS

The Services may contain links to third party sites that are not owned or controlled by Fee Navigator. We have no control over the content, privacy policies, or practices of any third party site. You are subject to the policies of those third party sites where applicable. We encourage you to ask questions before you disclose your Personal Information.

CHANGING AND DELETING YOUR INFORMATION

To view or correct the Personal Information you provided to us please write us at privacy@FeeNavigator.com. You may opt out of receiving promotional email communications regarding our activities by clicking the “unsubscribe” link provided with each email. We will continue to send you non-promotional notifications in connection with the Services to this email address.

You may request that that we delete the Personal Information you provided to us by writing us at privacy@FeeNavigator.com. If you make such request, we will respond to you within a reasonable time and, where appropriate, grant these rights to you. There rights are subject to some exceptions, including where the burden or expense of providing access would be disproportionate to the risks to your privacy, or where the rights of other individuals would be violated as a result.

We will retain your Personal Information until the earlier of (i) the information is no longer necessary to accomplish the purpose for which it was provided; or (ii) you have requested that we delete your Personal Information as stated above. We may retain your information for longer periods to the extent that we are obliged to do so in accordance with applicable laws and regulations and/or we reasonably believe that retaining the information is necessary to protect our legal rights or legitimate business interests.

Even if you have requested that we delete your Personal Information, keep in mind that the deletion by our third party providers may not be immediate and that the deleted information may persist for a reasonable period of time for the provider’s legitimate reasons or satisfaction of legal obligations.

For any privacy or data-protection-related questions, please write to privacy@FeeNavigator.com

COOKIES AND OTHER TECHNOLOGIES

What are they?

Cookies are text information files that your web browser places on your computer, mobile phone, or other device when you visit a website. The cookie will help website providers recognize your device the next time you visit their website. There are other similar technologies such as pixel tags (transparent graphic images placed on a web page or in an email, that indicate whether it had been viewed), web bugs (similar to pixel tags), and local storage objects (using mechanisms such as browser web storage (including HTML 5) and application data caches), which are used in desktop software or mobile devices.

What do we use them for?

We and our third party providers use both session cookies (that expire once you close your web browser) and persistent cookies (which stay on the device for a set period of time or until you delete them). We use the following types of cookies for the purposes set forth below:

Required

These cookies are required for making use of the Services. These cookies include security cookies to authenticate users, prevent fraudulent use of login credentials, and protect user data from unauthorized parties as well as session cookies that remember your log-in session so you can move easily within the Services.

Functional

These cookies record some of your activity on the Services as well as information about your device, such as what browser you are running, and what pages you access. This information helps us and our third party service providers diagnose server and software errors, and in cases of abuse, track and mitigate the abuse.

Analytics

Our service providers, including HubSpot, use cookies as part of their tools. These cookies allow our service providers and us to recognize and count the number of users of the Services, to see how they move around the Site, and how they engage with different functions, including usage statistics, when they are using the Services and how they came to use the Services. This helps us to improve the way our Services work, for example by making sure our users are finding what they need easily.

What can you do about them?

General: Most browsers accept cookies automatically, but can be configured not to accept them or to indicate when a cookie is being sent. Please note that without cookies, you may not be able to take full advantage of all of the features of the Services. Turning off the browser’s cookies will prevent web beacons from tracking your specific activity. The web beacon may still record an anonymous visit from your IP address, but unique information will not be recorded. If you do not want to receive tracking pixels, you will need to disable HTML images in your email client, and that may affect your ability to view images in other emails that you receive. You can find more information about cookies at http://www.allaboutcookies.org/.

Advertising: The Digital Advertising Alliance has also developed a tool that may help you understand which third parties have currently enabled cookies for your browser or mobile device and how to opt-out of some of those cookies. You may access this tool at: http://www.aboutads.info/choices/ from your browser and from your mobile device.

BROWSER DO NOT TRACK

The Services do not support Do Not Track at this time. Do Not Track (DNT) is a privacy preference you can set in your web browser to indicate that you do not want certain information about your webpage visits collected across websites when you have not interacted with that service on the page. For all the details, including how to turn on Do Not Track, visit donottrack.us.

CROSS BORDER TRANSFER

Fee Navigator transfers, processes, and stores information about you on servers located in a number of countries, including the United States. We may also subcontract processing to, or share your information with, third parties located in countries other than your home country.

OTHER CROSS BORDER TRANSFERS

In connection with the cross border transfer of your personal information, including to the United States, your Personal Information may be subject to privacy laws that may not provide the same protection as your country of residence. For example, government entities in the United States and other countries may have certain rights to access your Personal Information. By using the Services you are consenting to this transfer of your personal information.

CHANGES TO PRIVACY POLICY

This Privacy Policy is subject to revisions from time to time, in our sole discretion. When we make changes we deem material, we will provide you with prominent notice as appropriate under the circumstances, e.g., by displaying a prominent notice within the Services. In some cases, we will notify you in advance of the changes taking effect. Your continued use of the Services after the changes have been made will constitute your acceptance of the changes. Please, therefore, make sure you read any such notice carefully. If you do not wish to continue using the Services under the new version of the Privacy Policy, please cease using the Services.

COMPLAINTS, QUESTIONS OR COMMENTS

We welcome questions and comments about this Privacy Policy. Questions or comments should be directed to us in accordance with the contact details provided below.

We will investigate and attempt to resolve any complaints and disputes regarding the use and disclosure of Personal Information in accordance with the provisions of this Privacy Policy.

Fee Navigator Inc.
ATTN: Privacy Officer
1-844-333-4888
Email: privacy@FeeNavigator.com

Last updated: 18-Jun-2019