Last modified May 11, 2021

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This Privacy Policy of MerryDiv, LLC (“MerryDiv”, “we” or “us”) describes how we collect, use, and protect your data in connection with your use of the Services (as defined below).  

By visiting our Site, by using the Services, or by in any manner using, installing or downloading any MerryDiv software or applications associated with the Services, you accept our practices described in this Privacy Policy, and you consent to our collection, use and disclosure of your information, including personally identifiable information, as described in this Privacy Policy.  If you do not wish to agree to the practices and uses described in this Privacy Policy, please do not use the Services.

1. Applicability of this Privacy Policy 

This Privacy Policy applies to your use of MerryDiv’s website located at www.merridiv.com (collectively, the “Site”), our corresponding application(s) on any of your devices (the “App”) or any of or related services (collectively, with the Site and the App, the “Services”).  Individual users of the Services are sometimes referred to in this Privacy Policy as “users.”  This Privacy Policy is designed to tell you what information we gather from you in connection with your use of the Services, and how we may use and disclose that information.  This Privacy Policy is incorporated into and subject to any terms of use or other agreements, between you and us or our affiliates, relating to your use of the Services.

Except as expressly stated herein, this Privacy Policy does not apply to any third-party applications or technologies that integrate with our Services, or any other third-party products, services, or businesses, or to third party websites that you access via links or otherwise while using the Services (“Third-Party Services”).  This Privacy Policy does not apply to data collected from, or provided by you to, Third Party Services, and instead such data is subject to the practices of the provider(s) of the applicable Third-Party Services.  You should review the privacy policies of such Third-Party Services (and any other applicable terms and conditions) to determine how your data will be used before sharing any of your data with them.

2. Data We Collect From You 

In connection with your use of the Services, we may receive various types of information related to you, as well as information you provide us about others.  Sometimes you provide us with this data and sometimes data about you is collected automatically.  To the extent data is associated with an identified or identifiable natural person and is protected as personal information (or substantially equivalent terms) under applicable data protection laws, it is referred to in this Privacy Policy as “Personal Information.”  You acknowledge and agree we may collect, process, store, access, and disclose Personal Information disclosed by you to facilitate the provision of Services and related support for the Services in the manner described in this Privacy Policy.

When you create, update, and/or an account for the Services with us, you provide us with data, including Personal Information, about yourself, including, without limitation: 

• your name 
• your email address(es) 
• your device’s unique identifier 
• your username 
• your password
• any other information that you elect to share or provide us access to, including Personal Information that may identify you individually 

To the extent you choose to use the applicable components of the Services, you are also agreeing to share financial information with us, including, but not limited to, your account credentials, transactional history, account numbers, and balances/limits as well as general identity data including the name(s) and address(es) of all account holder(s). You are enabling us to interact with and through your financial institutions on your behalf and with your consent, which will take place, in part, through Plaid Technologies, Inc., a Third-Party Provider we use to help us facilitate certain aspects of the Services, as described further below in this section.  

We also may collect Personal Information that you post, upload, store, display, transmit, or submit through the Services in any other manner.  Although we will treat such information consistent with this Privacy Policy, we are not responsible for the content of any information, including Personal Information, that you provide to us, and by using the Services, you assume full responsibility for obtaining, and you represent that you have obtained, all necessary consents and permissions to provide such information to us.

Additionally, if and when you use the Services to make payments of any kind, you may provide us (or our third-party payment processors) additional Personal Information including financial information (such as your credit/debit card information, address, date of birth, or other information).  We endeavor to store very little, if any, payment-related financial information that we collect from you and instead, such payment-related financial information is typically stored by our third-party payment processors.  We encourage you to review their privacy policies and to contact them directly if you have questions relating to your data, including Personal Information, as it relates to such payments.  

We may also collect other information from you related to your use of the Services and your interactions with our Services (while this information may not typically contain Personal Information, we are not responsible for the content of such information).  This information includes any such information that you affirmatively provide to us, and may include the following:

• Log Data.  Like most websites and web-based technology services, our servers may automatically collect data when you access or use the Services and record it in log files.  Such may include your Internet Protocol (IP) address, Internet service provider (ISP), geographic location, browser type and settings, information about browser plugins, language preference, default email application, referring/exit websites, operating system, date and time stamp, cookie data, and certain user activities. 
• Services Activity.  We may collect details regarding your activity on the Services, such as search queries, amount of time spent viewing pages, and other performance and usage data. 
• Technical Data.  We may collect technical data, such as information about devices accessing the Services, including the type of device, device settings, operating system, application software, peripherals, and unique device identifiers, phone number, country, location, and any other data you choose to provide. We do not intentionally relate this to any individual user of the Services.
• Cookie Information.  The Services may also use cookies and similar tracking technologies of third parties, which may collect information about your use of the Services.  Cookies are small text files sent by us to your computer or mobile device for later retrieval.  They are unique to your account or your browser.  Session-based cookies last only while your browser is open and are automatically deleted when you close your browser. Persistent cookies last until you or your browser deletes them or until they expire. If you do not wish to have cookies placed on your computer or in local storage, you may adjust your web browser settings accordingly to block cookies or to alert you when cookies are sent.  However, restricting cookies may impede your ability to use the Services or certain features of the Services. 
• Third-Party Services.  You may elect to use certain Third-Party Services that we make available in connection with your use of the Services.  As noted above, information you provide to such Third-Party Services is subject to the privacy policies and practices of the provider of the applicable Third-Party Service.  Additionally, once enabled, it is possible that the Third-Party Services may share certain data with us to effectuate integration between our Services and theirs.  You should check the privacy settings and notices of any Third-Party Services you elect to use in connection with the Services to understand what data may be disclosed to MerryDiv.  We may receive data regarding your credentials for and use of the applicable Third-Party Services, such as your username, your unique identifier, and your information transmitted from or made available with permissions by such Third-Party Services (e.g., account profile, gender, age range, language, geographic region, etc.). 
• Additional Information Provided to Us.  We receive data when submitted to or through our Services, or if you contact us (whether by email, telephone, written correspondence, web-based forms, or otherwise), request support, interact with our social media accounts, or otherwise communicate with us. 

When you elect to use our Services to collect and track your financial information, we use Plaid Technologies, Inc. (“Plaid”) to gather your data from financial institutions. By using our Services, you grant us and Plaid the right, power, and authority to act on your behalf to access and transmit your personal information as well as account information maintained by third-party financial institutions with which you have a legally binding customer relationship (“Account Information”). This information may include account balances, transactions and holdings from the linked financial institutions. You agree to your personal and financial information as described herein being transferred, stored, and processed by Plaid in accordance with the Plaid Privacy Policy which is available at https://plaid.com/legal/. By choosing to link any of your accounts to aggregate and analyze Account Information, you expressly authorize and direct MerryDiv and Plaid, on your behalf, to electronically retrieve Account Information.

3. No Sensitive Personal Information; No Children’s Data

We do not intentionally collect, process, or store, and we request that you do not post, upload, store, display, transmit, or submit Sensitive Personal Information on or through the Services, except to the extent directly and expressly requested in connection with the relevant aspect of the Services.  “Sensitive Personal Information” includes, but is not limited to, government-issued identification numbers; consumer reports; background checks; any code or password that could be used to gain access to personal accounts (other than your password to your account); genetic data or biometric data; any Personal Information revealing racial or ethnic origin, political opinions, religious or philosophical beliefs, or trade union membership; or data concerning health or sex life or sexual orientation. or similar information.  We are not responsible and will not be liable for any loss or damages you or another individual may experience due to your disclosure of Sensitive Personal Information while using the Services. 

The Services are not directed to or intended for children, and we do not intentionally collect, process, or store through the Services any Personal Information from any person under 13 years of age.  In the event we discover we have inadvertently collected, processed, or stored any Personal Information from a person under 13 years of age without verifiable parental consent, we will promptly take the appropriate steps to delete such data or seek the necessary verifiable parental consent for that collection in compliance with the Children’s Online Privacy Protection Act (“COPPA”).  We request that users not provide us with any Personal Information of any person under 13 years of age. 

4. How and Why We Use Data

We use the information collected from you, including Personal Information collected as described in this Privacy Policy, to administer the Services and to communicate with you about the Services.  Our use of information from you may include the following:

• Providing and Improving the Services.  To make the Services available, to manage user requests and interactions with the Services (e.g., login and authentication, modifying settings, etc.), to facilitate hosting and back-end infrastructure for our platform, including by our Third-Party Providers, to analyze and monitor usage, and to monitor and address service performance, security, and technical issues.
• Third-Party Applications/Services.  With your permission, third-party applications or services may access your Personal Information. We use standard OAuth (open authorization) to enable you to give permission to share your Personal Information with other websites and services, such as LinkedIn, Facebook and Twitter (e.g., when you agree to a pop-up requesting you to allow another application to access your account information). We also use OAuth to allow us to share information about you that is stored by us without sharing your security credentials.
• Improving the Services.  To test features, manage landing pages, heat mapping, traffic optimization, data analysis and research, including profiling and the use of machine learning and other techniques over your data and in some cases using Third-Party Providers to do this.
• Support Services.  To respond to support requests and otherwise provide support for and resolve problems with the Services.
• Communications.  To send service, technical, and administrative emails, messages, and other communications.  Service-related communications about changes to the Services and important Services-related notices, such as maintenance and security announcements, are essential to delivery of the Services and you cannot opt-out of these communications.  Marketing communications, if any, about new product features, offerings, and other news about MerryDiv are optional; you have the choice whether or not to receive them and you may opt out by using the unsubscribe mechanism in such communications.
• Analytics.  In connection with our use of cookies described above, we may also use Third Party Providers to allow tracking technologies and remarketing services on the Services through the use of first-party cookies and third-party cookies, to, among other things, analyze and track users’ use of the Services, and to better understand online activity related to our Site.  By accessing the Services, you consent to the collection and use of your information by these Third Party Providers.  You are encouraged to review such vendors’ privacy policies and contact them directly for responses to your questions.  If you do not want any information to be collected and used by tracking technologies, you can install and/or update your settings to control such use.
• Account Management.  To contact you in connection with account management, feedback, and other administrative matters related to your account with us and the Services.
• Security Purposes.  To help prevent and investigate security issues and abuse.
• Legal Obligations.  To comply with legal obligations as required by applicable law, legal process, or regulations as described above.

5. How We Share and Disclose Data

Except as described in this Privacy Policy, we will not use or disclose your Personal Information for any purpose other than to the extent reasonably necessary to perform the Services and related support for the Services.  As a matter of policy, absent your express consent, we do not sell or rent information about you, and we will not disclose information about you in a manner inconsistent with this Privacy Policy except as required by law or government regulation.  

We cooperate with law enforcement inquiries, as well as other third parties, to enforce laws such as those regarding intellectual property rights, fraud and other personal rights.  WE CAN (AND YOU AUTHORIZE US TO) DISCLOSE ANY INFORMATION ABOUT YOU TO LAW ENFORCEMENT, OTHER GOVERNMENT OFFICIALS OR ANY OTHER THIRD PARTY THAT WE, AT OUR SOLE DISCRETION, BELIEVE NECESSARY OR APPROPRIATE IN CONNECTION WITH AN INVESTIGATION OF FRAUD, INTELLECTUAL PROPERTY INFRINGEMENT OR OTHER ACTIVITY THAT IS ILLEGAL OR MAY EXPOSE US, OR YOU, TO LIABILITY.

Subject to the above paragraphs, we may share or disclose information about you as follows:

• With Your Consent.  We may disclose your data, including Personal Information, to third parties when we have your express consent to do so.  This includes any information that you post to your user page or otherwise on our Site, App and/or via the Services – by publishing such information via the Site, App or Services, you consent to our disclosure of this information. 
• By Law or to Protect Rights.  If we believe the release of information about you is necessary to respond to legal process, to investigate or remedy potential violations of our policies, or to protect the rights, property, and safety of others, we may share your information as permitted or required by applicable law, rule, or regulation.  This includes exchanging information with other entities for fraud protection and credit risk reduction.
• Rendering the Services.  Our employees and contractors may have access to your data on a need to know and confidential basis to the extent necessary to render the Services and related support for the Services.  We require such employees and contractors to treat your information consistent with this Privacy Policy.  If in using the Services you direct or authorize us to share certain information with a third party or user of the Services, then this may include providing your name, email and investment information to the third party for purposes of facilitating the purchase.  At the time of sharing such information, you authorize us to provide your contact information to the third party providing the applicable Services. 
• Interactions with Other Users; Postings.  If you interact with other users of the Services, those users may see identifying information and descriptions of your activity that you make available to them and/or authorize us to share with specific users or specific agreed-upon groups of users.  If you post comments, contributions or other content in any other way connected to the Services, your posts may be viewed by other users and may be publicly distributed outside the Services.
• Affiliates.  We may share your information with our affiliates, in which case we will require those affiliates to honor this Privacy Policy.  Affiliates include our parent company and/or any subsidiaries (if any), companies with an ownership interest in MerryDiv, joint venture partners, or other companies that we control or that are under common control with us.
• Third-Party Providers.  As described above, we engage third parties to process data in support of delivering of the Services (“Third-Party Providers”).  We may share your data, including Personal Information, with Third-Party Providers (e.g., email services, platform hosting, cloud computing services, data storage and processing facilities) to the extent reasonably necessary to let them perform business functions and services for us or on our behalf in connection with the provision of the Services.  For example, we use to provide the Services are not physically located at our facilities, but rather are operated by a third-party Infrastructure-as-a-Service provider (an “IAAS provider”).  We have taken commercially reasonable steps to choose a professional and reputable IAAS provider and to ensure that such IAAS provider and our other Third-Party Providers use appropriate security measures in light of the risks and nature of the data being protected and consistent with industry norms.  Still, it is impossible to guarantee that the security measures taken by our Third-Party Providers will be adequate in all circumstances, and by using the Services, you understand and agree that we have no liability for the action, behaviors or failings of such Third-Party Providers.  
• Third-Party Services.  You may enable or permit integrations with or use of Third-Party Services in connection with the Services.  When enabled, we may share certain data with such Third-Party Services as requested to effectuate the integration, including data regarding your credentials related to the Services.  As mentioned above, Third-Party Services are not owned or controlled by MerryDiv and third parties that have been granted access to your data may have their own policies and practices for its collection and use; you should check the privacy settings and notices of these Third-Party Services to understand their privacy practices.
• Changes to Our Business.  If MerryDiv engages in a merger, acquisition, bankruptcy, dissolution, reorganization, sale of some or all of its assets or stock, financing, public offering of securities, acquisition of all or a portion of our business, a similar transaction or proceeding, or steps in contemplation of such activities (e.g., due diligence), we may share or disclose data in connection therewith, subject to reasonable confidentiality obligations.
• Aggregated or De-Identified Data.  If any data is aggregated or de-identified so it is no longer reasonably associated with an identified or identifiable natural person or household (in the case of aggregated data) or no longer capable of being associated with or relinked with any identifiable natural person or household (in the case of de-identified data), we may use or disclose such aggregated or de-identified data for any purpose.  For example, we may share aggregated or de-identified data with prospects or partners for business or research purposes, such as statistical analysis, to research trends and predictive analysis, or to develop or improve the Services.
• Enforcement of Agreements.  We may disclose data to ensure compliance with and to enforce contractual or legal obligations with respect to the Services and our business, including any applicable lease agreements.
• Protection of Rights.  We may disclose data to protect and defend our rights and property, including intellectual property rights, and to ensure compliance with applicable laws and enforce third party rights, including intellectual property and privacy rights.
• Safety and Security.  We may disclose data to protect your safety and security; to protect the safety, security and property of our users; and to protect the safety, security, and property of MerryDiv and our employees, agents, representatives, and contractors.

6. Retention

Generally, we maintain all information you submit to us until you affirmatively change or delete such information.  This allows us to help ensure full functionality of the Services.  To dispose of Personal Information, we may anonymize it, delete it, or take other appropriate steps.  Your data, potentially including Personal Information, may persist in copies made for backup and business continuity purposes for additional time.  

7. Security Measures

We maintain physical, technical, and administrative procedures to protect the data we collect and to secure it from improper of unauthorized use.  We work hard to protect data in our custody and control from loss, misuse, and unauthorized access, use, disclosure, modification, or destruction, and to use industry-standard security measures to ensure an appropriate level of security in light of reasonably available methods in relation to the risks and nature of the information we collect.   

Please remember:

• You provide information to us, including your Personal Information, at your own risk.
• No data transmission over the Internet is guaranteed to be 100% secure, and we cannot guarantee that unauthorized access, hacking, data losses, or other breaches will never occur.
• You are responsible for protecting your account information related to the Services, including any applicable credentials, log-ins, passwords, etc. and for ensuring that they are not used by others to access the Services.

8. International Data Transfers

We primarily process and store data in connection with the Services in the United States.  However, it is possible that data may be processed in other countries by our Third-Party Providers.  We will take measures to ensure that your Personal Information remains protected to the standards described in this Privacy Policy and any such transfers comply with applicable data protection laws.  In certain circumstances, courts, law enforcement agencies, regulatory agencies or security authorities in those other countries may be entitled to access your Personal Information.

9. California-Specific Notices

Pursuant to Section 1798.83 of the California Civil Code, California residents have the right to request from a business with whom the California resident has an established business relationship, certain information with respect to the types of personal information the business shares with third parties for direct marketing purposes by such third party and the identities of the third parties with whom the business has shared such information during the immediately preceding calendar year.  We do not disclose your Personal Information to third parties for any third parties’ direct marketing purposes.  If you reside in California, you can prevent future disclosures for direct marketing purposes of your Personal Information, at no charge, by indicating to us your intent to opt out of such disclosures in a message addressed to the email address or physical mailing address provided under the “Contact Us” heading below.  

10. Other Jurisdiction-Specific Notices

Nevada Residents 

Nevada residents may have the right under applicable law to opt out of the sale of their Personal Information that we have collected or will in the future collect.  If you are a Nevada resident and wish to make such a request, please contact us at the contact information provided below in this Privacy Policy.

EU Residents 

Although we do not direct our website specifically toward residents of the European Union (“EU”), some EU residents’ data may be collected by virtue of our users’ use of our Services.  Collection and storage of any EU resident’s data by us is minimal and incidental. 

Notwithstanding the foregoing, if you are an EU resident and would like to request that your data be securely removed from our systems, however collected, please send an email with proof of EU residency to support@merrydiv.com.  We will endeavor to remove all relevant data, so long as that removal is technically feasible, does not impact the legitimate accounting or business practices of our customers, and does not violate other regulatory or legal standards with which we must comply.  We will also cooperate with our customers in good faith to address any requests they receive or that may impact them directly.

11. Enforcement

Please contact us immediately at the contact information provided under the “Contact Us” heading below if you believe there has been a material violation of this Privacy Policy.

12. Changes to this Privacy Policy

We reserve the right make changes to this Privacy Policy from time to time, in whole or in part, in our sole discretion, at any time without prior notice by posting an updated version of this Privacy Policy on the Site or when you access the Services.  When we do, we will revise the “last updated” date at the beginning of the Privacy Policy.  Any changes, modifications, or updates to this Privacy Policy will become effective immediately upon posting.  By continuing to use the Services, you agree to be bound changes we make to this Privacy Policy.  If you disagree with the changes to this Privacy Policy, your only remedy is to discontinue use of the Services and deactivate your account. 

12. Contact 

Please do not hesitate to contact us with any questions, complaints, or requests with respect to your Personal Information, this Privacy Policy, and/or our privacy practices.

You may contact us at:

Email: 

support@merrydiv.com