Privacy Policy

This privacy policy describes the information you may provide or we may collect when you use our Service (website and application). It also clarifies our methods for gathering, processing, preserving, and safeguarding your personal data.

We urge you to meticulously read this agreement to fully understand our procedures concerning personal data provided to, and gathered by the Service. Your choice to utilise the Service signifies your acceptance of our confidentiality agreement.

Your personal information

We may collect information, including personal details, when you use the Service. The term "personal information" refers to any data that identifies you, such as your name and email address.

You have the option to use the Service without sharing any personally identifiable information. Account registration only requires a username, email address and password, which can all be pseudonymous.

Once registered, we might collect several types of information about users, including:

1. Financial institution and account details provided during account setup.
2. Login details for accounts connected to the Service via bank feed aggregation. To initiate a bank feed connection with Yodlee, an embedded widget from Yodlee is used to collect your banking credentials for secure storage. As these credentials are encrypted from your end to Yodlee, Grapevine remains incapable of accessing them.
3. Financial account data from accounts linked to the Service, including transaction data.
4. Details about device usage to access the Service

The aforementioned information is collected via the methods listed below.

1. By third-party bank feed aggregation.
2. When a User provides the Service with the information directly.
3. Automatically, as a User navigates through the website. Information collected in this manner may include usage details, IP addresses, and other information collected through tracking technologies

Information you provide us

As you use the Service, you may willingly provide information in various ways, such as:

1. When filling out forms on our website or applications to register for the Service, or to complete tasks.
2. When reaching out to us for help, to report an issue with the Service, or for general inquiries.
3. When responding to surveys we may ask you to fill out.

Automated information collection

As you use our website and the Service, we may employ automated technologies to collect data about your usage of the Service. This may include:

1. Device details used to access the Service, including operating system information.
2. Usage patterns and internet connection data, including website browsing patterns and IP address information.
3. Error details when an application error occurs.

Usage of your information

We strictly use the collected or provided information to facilitate the Service. Here's how:

1. To deliver the Service.
2. To allow you to create an account with the Service.
3. To identify you and verify your devices to access the Service.
4. To understand your experience using the Service, so we can enhance it and improve our business operations.
5. To communicate with you about your Service account, and notify you about crucial changes, technical notices, or updates related to the Service.
6. To allow connection of third-party financial institution accounts to the Service, and to retrieve transactions from those institutions.
7. To provide you with email-based customer support, diagnose reported problems, and respond to your comments or questions about the Service.
8. To fulfill any purpose for which you provide the information, or that we describe when the information is provided to the Service.
9. To protect against and investigate any fraudulent, unauthorized, or illegal activity.

Your information disclosure

We will never sell your personal information. We only use your data in a non-identifiable manner to provide insights in exchange for deals offered to the Grapevine community.

We can anonymise or aggregate financial data by excluding personal information that makes the data identifiable. This anonymous data helps us improve the Service and provide insights.

We may disclose personal information in the following circumstances:

1. To aggregate your financial accounts and information via Yodlee our bank feed provider.
2. To a third party in case of a sale, merger, or other transfer involving the Service, where the transferred assets include your personal information. We will do our best to ensure that the new entity follows this privacy policy concerning your personal data.
3. To fulfill any purpose for which you provide the information, or that we describe when the information is provided to the Service.

Data Safekeeping

Your peace of mind is our priority. Your data will be kept secure while your account is active. Should you decide to delete your account, we take meticulous steps to ensure your data is properly erased:

1. All personally identifiable information is permanently wiped off from our production databases, leaving no trace of your financial footprints.
2. We further ensure that all data, including your username and password, are completely eradicated from our third-party banking feeds provider's database.
3. Any personal data stored with our third-party service providers is either fully removed or anonymized using the most comprehensive tools available, ensuring your identity is well-protected.

For added assurance, backups of your data, stored in encrypted form, are kept at a secure offsite location. These backups are safeguarded with stringent access control measures. After a 7-day period, these backups are permanently and irreversibly destroyed.

Amending and Accessing Your Personal Information

You retain full control of your personal information. You can conveniently review and amend your details by logging into the Service and navigating to the Account section.

How to Get More Information?

We value your trust and are always ready to answer your queries. If you have any questions about our Privacy Policy, please don't hesitate to email us at support@joingrapevine.com.