Privacy Policy

Last updated: January 17, 2019 

This Privacy Policy describes how Informoney Inc. collects, uses and discloses personal information of visitors to our websites and app services.

How Informoney Inc. Collects And Uses Information

Informoney Inc. only obtains personally identifiable information such as your name and email address.
We will only collect Personal Information that is necessary to fulfill the following purposes:
• To verify identity;
• To open and manage an account;
• To ensure you receive a high standard of service;
• To meet regulatory requirements;
• Other legal reasons as apply to the goods and services requested.

Informoney Inc. only uses this information for purposes which you intended when you provided it. We may also use this information to communicate with you from time to time for other reasons, such as the creation of personalized promotions combining your specific personal information.

The moneySweet app does not connect to your bank accounts. We care about the security of your information and use appropriate security measures, but we still ask that you do not enter confidential information such as login data, account numbers, passwords, etc. for your own peace of mind and protection.

Sharing Of Personal Information

Informoney Inc. uses its best efforts to protect your personally identifiable information and privacy. We do not sell, transfer or disclose your personal information to any third parties.

Informoney Inc. does reserve the right to use or disclose any information as needed to satisfy any law, regulation or legal request, to fulfill your requests, or to cooperate in any law enforcement or similar investigation.

We will not sell your Personal Information to other parties. We retain your Personal Information for the time necessary to fulfill the identified purposes or a legal or business purpose. We will make reasonable efforts to ensure that your Personal Information is accurate and complete. You may request correction to your Personal Information to ensure its accuracy and completeness. A request must be in writing and provide sufficient detail to identify your Personal Information and the correction being sought.

We are committed to ensuring the security of your Personal Information and may use passwords, encryption, firewalls, restricted employee access or other methods, in our discretion. We will use appropriate security measures when destroying your Personal Information such as shredding documents or deleting electronically stored information, in our discretion.

With your permission, we will send marketing information to you, such as promotional offers or information about new product offerings if you have granted us permission to do so. If you do not want to receive these messages, please contact us.

Cookies

Cookies are files with small amount of data, which may include an anonymous unique identifier. Cookies are sent to your browser from a web site and stored on your computer's hard drive. Like many websites, we use cookies for a variety of purposes to improve your visits to our websites. These cookies allow our website to remember important information to make your use of our website more convenient. If you do not want our cookies on your hard drive, use the options in your web browser to change your cookie preferences.

Log Data

We may collect information that your browser sends whenever you visit our site. This Log Data may include information such as your computer's Internet Protocol ("IP") address, browser type, browser version, the pages of our Site that you visit, the time and date of your visit, the time spent on those pages and other statistics.

Access And Opting Out

You are in control of any personal information you give us. If at any time, you want to correct the personal information we have about you, or if you want to change your preferences, please contact us.

Informoney Inc.’s Web Site Security

We take all reasonable steps to maintain physical, technical and administrative security of personal information you provide to us. Although we take these steps to safeguard your personal information, no system or transmission of data over the Internet or any other public network can be guaranteed to be 100% secure.

Service Providers

We may employ third party companies and individuals to facilitate our Service, to provide the Service on our behalf, to perform Service-related services or to assist us in analyzing how our Service is used. These third parties have access to your Personal Information only to perform these tasks on our behalf and are obligated not to disclose or use it for any other purpose.

Changes to Informoney Inc.’s Privacy Policy

From time to time, Informoney Inc. may change this privacy policy. Thus, you should check here periodically to see if anything has changed.

Not a Financial Planner, Broker or Tax Advisor

Neither Informoney Inc. nor the services are intended to provide legal, tax or financial advice. Informoney Inc. is not your financial planner, broker or tax advisor. The Services are intended only to assist you in your personal finances and decision-making and is broad in scope. Your personal financial situation is unique, and any information and advice obtained through the Service may not be appropriate for your situation. Accordingly, before making any final decisions or implementing any financial strategy, you should consider obtaining additional information and advice from your accountant or other financial advisers who are fully aware of your individual circumstances.

Children's Privacy 

Our Service does not address anyone under the age of 18 ("Minor"). We do not knowingly collect personally identifiable information from Minors. If you are a parent or guardian and you are aware that your Minor has provided us with Personal Information, please contact us. If we become aware that we have collected Personal Information from Minors without verification of parental consent, we take steps to remove that information from our servers.

Changes To This Privacy Policy

This Privacy Policy is effective as of January 17, 2019 and will remain in effect except with respect to any changes in its provisions in the future, which will be in effect immediately after being posted on this page. We reserve the right to update or change our Privacy Policy at any time and you should check this Privacy Policy periodically. Your continued use of the Service after we post any modifications to the Privacy Policy on this page will constitute your acknowledgment of the modifications and your consent to abide and be bound by the modified Privacy Policy. If we make any material changes to this Privacy Policy, we will notify you either through the email address you have provided us, or by placing a prominent notice on our website.

Contact Us

If you have any questions about this Privacy Policy, please contact us via mail or email:

Stefan Schmidt
Informoney Inc. / Visual Wealth Inc. / moneySweet™
2003-20 Kingsbridge Garden Circle
Mississauga, Ontario, Canada
L5R 3K7
info@informoney.com

Terms & Conditions

Summary of Terms

By using the moneySweet app or web app (“Service”), you are agreeing to be bound by the following terms and conditions (“Terms of Use”) set forth by Informoney Inc (“We”).

Basic terms

• You are responsible for keeping your login and password safe.
• The Service should not be used to store sensitive information such as bank account numbers, credit card information, or passwords.
• We are not responsible for any information stored with the Service.

General terms

• We reserve the right to modify or terminate the Service for any reason, without notice at any time.
• We reserve the right to alter these Terms of Use at any time. If there are any changes to these Terms of Use, users will be notified.
• We reserve the right to refuse service to anyone for any reason at any time.

THE TERMS AND CONDITIONS 

Therefore, for good and valuable consideration, including the rights and license granted in this Agreement, and intending to be legally bound, Informoney Inc. and End User agree as follows:

1. LICENSE GRANT. Subject to the terms and conditions of this Agreement, Informoney Inc. hereby grants to End User a non-exclusive, non-transferable, individual license to use the Product solely for the purpose of their personal finance management. End User shall defend, indemnify and hold harmless Informoney Inc. from and against any and all claims, actions, demands, liabilities, losses, damages, judgments, settlements, costs and expenses, including reasonable attorneys’ fees, arising out of End User’s data entered incorrectly into the software.

2. RESTRICTIONS. The following uses and/or activities are not permitted unless otherwise specifically allowed by Informoney Inc. under the terms of a separate agreement: (a) Modifying, translating, decompiling, reverse engineering, redistributing or retransmitting in any form or by any means, the Software or any portion thereof; (b) Creating any derivative products or other works using any portion of the Software; (c) Using the Software or any portion thereof in any third party product or service; (d) Using the Software, directly or indirectly, on a time sharing or service bureau basis, or providing services for a fee using the Software; and (e) Sharing passwords and/or access codes with third parties, or allowing any non-End User to use the Product. In addition, if End User is using a hosted version of moneySweet: (i) End User may not (A) attempt to circumvent user authentication or the security of any host, network, or account (aka “cracking”), including, but not limited to, accessing data not intended for End User, logging into a server or account that End User is not expressly authorized to access, or probing the security of Informoney Inc servers and networks, or (B) create a denial of service, impede the operation of the Software or engage in any activities that adversely affect the ability of other End Users to use the Software. (ii) End User may not upload, share or otherwise transmit any content that (A) End User does not have a right to upload, share or transmit under any law or under contractual or fiduciary relationships; or (B) violates anyone’s copyright, trademark or other proprietary right. End User acknowledges and agrees that in addition to any other rights or remedies that Informoney Inc. may have hereunder, Informoney Inc may remove or disable access to allegedly infringing content.

3. TERMINATION. Without prejudice to any other rights, Informoney Inc. may terminate this Agreement (a) if End User fails to comply with any of the terms and conditions of this Agreement or (b) if required to do so due to an actual or potential violation of third party rights or applicable laws, rules or regulations or by a third party provider, court or regulator. In the event of any termination, End User shall immediately discontinue any further use of the Product. Following any termination, Informoney Inc. may destroy any data or information stored on its servers by or on behalf of End User. Such data and information will be permanently lost.

4. PROPRIETARY RIGHTS. End User acknowledges that all intellectual property rights in the Product, including without limitation, all copyrights, trademarks, patents and trade secrets, are owned by Informoney Inc. or its third party licensor(s). Except as expressly set forth in this Agreement, Informoney Inc. neither assigns any intellectual property rights, nor grants any licenses or other rights with respect to the Product. End User shall use reasonable care to protect such intellectual property rights of Informoney Inc. and/or its third party licensor(s), and to prevent the unauthorized use or copying of the Product.

5. NO WARRANTY. And ALL CONTENT, INFORMATION AND TECHNOLOGY CONTAINED THEREIN ARE BEING PROVIDED TO YOU “AS IS” WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING WITHOUT LIMITATION, ANY IMPLIED WARRANTY OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE. INFORMONEY INC DOES NOT MAKE ANY WARRANTY THAT THE SOFTWARE IS COMPATIBLE OR OPERABLE WITH THE END USER’S COMPUTER EQUIPMENT OR SOFTWARE, OR THAT THE SOFTWARE WILL PERFORM WITHOUT INTERRUPTION OR FREE OF ERRORS. END USER AGREES THAT THE PRODUCT IS NOT CONSUMER GOODS FOR PURPOSES OF FEDERAL OR PROVINCIAL WARRANTY LAWS. No sales person or other representative involved in the licensing of the Product is authorized to make any warranties with respect to the Product. Oral statements do not constitute warranties, shall not be relied upon by End User, and are not a part of this Agreement.

6. LIMITATION OF LIABILITY. TO THE MAXIMUM EXTENT PERMITTED BY LAW, IN NO EVENT SHALL INFORMONEY INC OR ITS AFFILIATES OR ITS OR THEIR RESPECTIVE DIRECTORS, OFFICERS, EMPLOYEES, AGENTS OR REPRESENTATIVES BE LIABLE OR RESPONSIBLE FOR DAMAGES OF ANY KIND (INCLUDING, WITHOUT LIMITATION, DAMAGES FOR LOSS OF PERSONAL PROFITS, LOSS OF INFORMATION OR DATA, OR ANY OTHER INDIRECT, INCIDENTAL, SPECIAL OR CONSEQUENTIAL DAMAGES) ARISING OUT OF THE USE OF OR INABILITY TO USE THE PRODUCT OR OTHERWISE IN CONNECTION WITH THIS AGREEMENT, EVEN IF INFORMONEY INC HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. IN ANY EVENT, TOTAL AGGREGATE LIABILITY TO YOU FOR ALL DAMAGES OF ANY KIND AND TYPE (REGARDLESS OF WHETHER BASED IN CONTRACT OR TORT) SHALL NOT EXCEED THE PURCHASE PRICE OF THE PRODUCT. IT IS EXPRESSLY UNDERSTOOD AND AGREED THAT IN THE EVENT ANY REMEDY HEREUNDER IS DETERMINED TO HAVE FAILED OF ITS ESSENTIAL PURPOSE, ALL LIMITATIONS OF LIABILITY AND EXCLUSIONS OF DAMAGES SET FORTH HEREIN SHALL REMAIN IN EFFECT.

7. INJUNCTIVE RELIEF. End User agrees that Informoney Inc will have the right to obtain an injunction against any unauthorized use of the Product by End User, in addition to any other rights and remedies to which Informoney may be entitled.

8. SEVERABILITY. If any provision of this Agreement is held to be invalid or unenforceable by a court of competent jurisdiction, then such provision shall be adjusted to the minimum extent necessary for validity or enforceability, and in any event, the remaining provisions will nevertheless remain in full force and effect.

9. ENTIRE AGREEMENT. This Agreement constitutes the entire understanding and agreement between Informoney Inc and you with respect to the subject matter of this Agreement and supercedes all prior or contemporaneous oral or written communications with respect thereto. This Agreement may not be modified, except to the extent of a written agreement to do so by an authorized representative of Informoney Inc.

10. CHOICE OF LAW. This Agreement shall be interpreted, construed and enforced in all respects in accordance with the internal laws of the Ontario, without regard to its principles of conflicts of law.

11. NO ASSIGNMENT. End User shall not assign, sub-license or delegate any of its rights or obligations under this Agreement to any third party without the prior written consent of Informoney Inc. Any assignment, sublicense or delegation in violation of this provision shall be null and void.

12. THIRD PARTY SUPPLIER TERMS. The following provisions contained in this Section apply specifically to the Google Firebase: End User is responsible to review and follow Google Firebase Terms and Conditions.

13. ACKNOWLEDGMENT. Use of the Product affirms that End User has read this Agreement, understands it, and agrees to be bound by its contents.