Yodlee - Privacy Policy

Yodlee is committed to safeguarding your privacy.

This Privacy Policy sets forth Yodlee's commitment to you to protect the privacy of your personal information that is collected through the Yodlee MoneyCenter service. In particular we will not sell your personally identifiable data to any third parties; will not contact you without your explicit permission (via opt-in on site) unless required for Yodlee Support; and no Yodlee employee can view or retrieve your passwords or other personal information. Yodlee MoneyCenter services has participated in industry certified audits and assessments to help promote the principles of disclosure and informed consent on the Internet. Because Yodlee wants to demonstrate its commitment to your privacy, we have agreed to disclose our information practices as they apply to the Yodlee MoneyCenter service and have our privacy and security practices reviewed for compliance by these recognized experts.

FREQUENTLY ASKED QUESTIONS

1. What categories of Personal Information does the Yodlee MoneyCenter Service collect?
2. What categories of my Personal Information gathered through the Yodlee MoneyCenter Service does the Yodlee MoneyCenter Service disclose?
3. Will I be contacted if I register for the Yodlee MoneyCenter Service?
4. Does the Yodlee MoneyCenter Service use cookies?
5. How is my personal information protected and secured?
6. What if I need to change the personal information I previously disclosed?
7. Does this Privacy Policy Apply to Third Party Websites accessed through the Yodlee MoneyCenter Service?
8. Who can I contact if I have any questions regarding my privacy?
9. How is Personal Information on former users of the Yodlee MoneyCenter Service treated?
10. How will I be informed of changes to the Privacy Policy or receive future disclosures of this Privacy Policy?
11. How will disputes regarding the Privacy Policy be handled?

1. What categories of Personal Information does the Yodlee MoneyCenter Service collect?
   
   Yodlee collects the following categories of personal information about you throught the Yodlee MoneyCenter Service: A. Registration Information: When you register for the Yodlee MoneyCenter Service, you will be asked for basic registration information, such as a Yodlee MoneyCenter and password which you choose, and an e-mail address for Yodlee Support. Additional information may be required to utilize value-added features of the Yodlee MoneyCenter Service, such as Auto-Registration and Password Reset, or to access specific third party Internet services using the Yodlee MoneyCenter Service. This information may include your passwords and user names for the third party web sites and Internet services. We will use this information for providing the services and accessing the web sites you select on your behalf, so that we can present the requested information to you. B. Information on Your Use of the Yodlee MoneyCenter Service: As with most online businesses, Yodlee MoneyCenter logs information about your access and use of the Yodlee MoneyCenter web site, including (i) your transactions conducted on the Yodlee MoneyCenter web site, including through the use of Internet cookies (discussed below), (ii) the IP addresses from which you came to the site, and (iii) your communications with Yodlee MoneyCenter Service and web site. C. Information From Third Party Web Sites: In order to display information to you through the Yodlee MoneyCenter Service, the Service must collect, on your behalf, your account and other personal information from third party web sites and Internet services that you register on the Yodlee MoneyCenter Service. For example, if you register your credit card account through the Yodlee MoneyCenter Service, the Service will collect the transactional and payment information regarding your credit card account to display it to you on the Yodlee MoneyCenter web site. D. Information From Yodlee MoneyCenter Service Partners: Yodlee may arrange for one or more services on the Yodlee MoneyCenter web site to be provided to you in whole or in part by a third party partner. For example, Yodlee may arrange for a third party partner to provide electronic funds transfer services to you on the Yodlee MoneyCenter web site. The services of these third party partners are governed by their privacy policies, not the Yodlee MoneyCenter Privacy Policy. This third party partner may share information with Yodlee on your transactions with them, for display on the Yodlee MoneyCenter web site and for other purposes.




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2. What categories of my Personal Information gathered through the Yodlee MoneyCenter Service does the Yodlee MoneyCenter Service disclose?
   
   Your personal information will never be sold or shared with any affiliated or unaffiliated third parties, except (i) to provide you with the Yodlee MoneyCenter Services, (ii) pursuant to joint marketing arrangements described below, or (iii) as required or permitted by law. For example, in order to provide you with the Yodlee MoneyCenter Services, Yodlee MoneyCenter may disclose your name and user passwords to third party web sites, such as web sites operated by a credit card company or a bank, in order to obtain the information that you requested be aggregated and displayed through the Yodlee MoneyCenter Service. When you register for the Yodlee MoneyCenter Service, you are deemed to authorize disclosures by Yodlee to provide the Yodlee MoneyCenter Service. Yodlee may disclose registration information and information on your use of the Yodlee MoneyCenter Service (excluding information regarding transactions on your aggregated accounts) to companies that perform marketing services on our behalf, or to other financial institutions with whom Yodlee offers you products and services pursuant to joint marketing agreements. For example, Yodlee may share your personal information with a nonaffiliated third party to respond to a subpoena, to protect and defend the rights and property of Yodlee, or to offer you a new service on the Yodlee MoneyCenter web site that is provided jointly by Yodlee and an unaffiliated company. Yodlee does present an opt-out option during registration for users who do not wish to share their information for joint marketing purposes as described in the prior paragraph. The user may change the opt-out choice at any time by going to the preferences page within the Yodlee MoneyCenter Service. Yodlee reserves the right to share aggregated information with third parties in which case personal information about you will never be disclosed.




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3. Will I be contacted if I register for the Yodlee MoneyCenter Service?
   
   Yodlee will occasionally contact users by electronic mail to inform them of new features, or to request participation in market surveys. The Yodlee MoneyCenter Service offers an opt-out option to users when signing up for the Yodlee MoneyCenter Service for those who do not wish to receive such messages. However, in order to ensure the quality of the Yodlee MoneyCenter Service, Yodlee will send certain types of messages from which users will not be able to opt-out. These include a "Welcome Notice" to confirm new membership, "notifications" of password changes or "account lockouts" and other "customer satisfaction" and "customer service" issues.




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4. Does the Yodlee MoneyCenter Service use cookies?
   
   The Yodlee MoneyCenter Service stores a cookie on your computer if you have cookies enabled. If you do not have cookies enabled, you will be unable to use the Yodlee MoneyCenter Service. A cookie is simply a text file, which indicates your Yodlee MoneyCenter or session identification number. This cookie will only be returned to our server if your browser is set to allow sending of cookies (you can also set it to check for permission before sending cookies). We use cookies for a variety of purposes intended to make the Yodlee MoneyCenter Service a better service for you. For example, we use this cookie to identify existing users of the Yodlee MoneyCenter Service when they enter the web site so that we are able to pre-fill their Yodlee MoneyCenter and so that they may receive a start page more optimized for current subscribers than for new users. We also use a cookie to maintain session information for logged in users, to prevent the need for re-entry of login information when browsing outside the Yodlee MoneyCenter Service. We reserve the right to use cookies to deliver content specific to your needs and interests. We may also use cookies to track user trends and patterns in order to better understand and improve areas of our sites that our users find valuable. We reserve the right to use outside ad companies to display ads on our sites. These ads may contain cookies. Cookies received with banner ads are collected by our ad companies, and we do not have access to this information.




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5. How is my personal information protected and secured?
   
   At Yodlee, our number one focus is customer trust. We understand the need for our customer's personal data to be completely secure and private, and we have designed and deployed (as a part of the Yodlee MoneyCenter Service) a state-of-the-art system to protect our customer's personal information. Yodlee maintains physical, electronic and procedural safeguards that comply with federal standards to guard your personal information held by Yodlee relative to the Yodlee MoneyCenter Service. The Yodlee MoneyCenter database is physically protected at a secure, third party site and is monitored by security personnel twenty-four hours a day. Only authorized personnel can access the data center, and they must submit to multiple forms of identification including biometric authentication.




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6. What if I need to change the personal information I previously disclosed?
   
   The Yodlee MoneyCenter Service site includes a user profile update form for reviewing or updating personal information needed for accessing sites. If you are unable to change this information through the user profile form provided, you can use our Contact Us form to request the change. We do not currently provide an interface for changing access information (such as passwords) for third party sites via the Yodlee MoneyCenter site. In addition, you cannot update or change personal information that is retrieved by the Yodlee MoneyCenter Service from third party web sites and Internet services for display on the Yodlee MoneyCenter web site. To change this access information and other personal information from third party web sites, you will need to follow the procedures set forth by the third party web sites themselves.




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7. Does this Privacy Policy Apply to Third Party Websites accessed through the Yodlee MoneyCenter Service?
   
   No. This Privacy Policy only applies to Yodlee MoneyCenter Service, and not services or sites that are accessed through the Yodlee MoneyCenter Service. Yodlee acts as your personal agent, communicating between you and the web sites you use. Yodlee does not accept responsibility for the actions and policies of third party web sites you access, either with regard to the personal information you have provided to them, or which you authorize Yodlee to give to them for accessing their web sites, or which they obtain through your use of their web sites directly and/or through the Yodlee MoneyCenter Service. You should be careful to review any privacy policies posted on those web sites before signing up with or using them. Yodlee does not accept responsibility for the services provided to you by these third party web sites.




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8. Who can I contact if I have any questions regarding my privacy?
   
   You can contact Yodlee for any questions or suggestions you have via our Contact Us form. For more information regarding privacy you can visit the following sites:
   
   - TRUSTe provides Web site certification programs.
   - The Federal Trade Commission offers an overview of privacy protection.
   
   This Privacy Policy covers solely the online information practices of the Yodlee MoneyCenter Service on the Yodlee MoneyCenter site. The online information practices relating to services provided or enabled by Yodlee on other sites are covered by the respective privacy policy of such other sites and/or services.




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9. How is Personal Information on former users of the Yodlee MoneyCenter Service treated?
   
   The terms of this Privacy Policy will apply to personal information of former users of the Yodlee MoneyCenter Service.




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10. How will I be informed of changes to the Privacy Policy or receive future disclosures of this Privacy Policy?
    
    We reserve the right at our discretion to make changes to this Privacy Policy. You may review updates to our Terms and Privacy Policy at any time via links on our site. You agree to accept electronic communications and/or postings of an annual or revised Privacy Policy on the Yodlee MoneyCenter web site, and that such electronic communications or postings constitute notice to you of the Privacy Policy.




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11. How will disputes regarding the Privacy Policy be handled?
    
    If you have a problem or dispute with Yodlee regarding this Privacy Policy or the treatment of your personal information, this problem or dispute will be subject to both this Privacy Policy and the Terms governing the Yodlee MoneyCenter Service in general. You also may contact TRUSTe if you have a problem or dispute regarding Yodlee and the treatment of your personal information as it applies to this Privacy Policy.




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