At QUBER, our most important asset is your trust.
1. What personal information do we collect?
Canadian privacy legislation defines personal information as information about an identifiable individual. The types of personal information that QUBER may collect about its customers include (but are not limited to) your contact details and the types of information described below.
Bank Account Information
When you link a bank account that you hold with a Canadian financial institution (“Bank Account”) to your QUBER Account, we will collect certain information from you about your Bank Account, such as your online login credentials for the purposes of providing the Services to you. If you give us access to your Bank Account, you acknowledge and agree that we will have access to your transaction information and your Bank Account balance (“Financial Information”) that we require in order to provide the Services to you.
You may link one or several Bank Accounts to your QUBER account. You will select one Bank Account to be your Primary Bank Account. Your Primary Bank Account is used to move money in and out when you are saving for goals (money moves out of your Primary Bank Account) or have achieved your goals and cash-out your jar (money moves into your Primary Bank Account).
Information Sent by Your Mobile Device
We collect certain information that your mobile device sends when you use our Services, like a device identifier, user settings and the operating system of your device, as well as information about the use of our Services.
When you use our App, we may collect and store information about your location by converting your IP address into a rough geo-location or by accessing your mobile device’s GPS coordinates or coarse location if you enable location services on your device. We may use location information to improve and personalize our Services for you. If you do not want us to collect location information, you may disable that feature on your mobile device
We may also collect technical and navigational information, such as computer browser type, Internet protocol address, pages visited, and average time spent on our Site. This information may be used, for example, to alert you to software compatibility issues, or it may be analyzed to improve our design and functionality and service.
Cookies are alphanumeric identifiers in the form of text files that are inserted and stored by your Web browser on your computer’s hard drive. QUBER may set and access cookies on your computer to track, gather and store preferential information about you. We encode our cookies to prevent others with whom we do not have a relationship with from being able to interpret the information stored in them. Note that most Internet browsers will allow you to stop cookies from being stored on your computer and to delete cookies stored on your computer. If you choose to eliminate cookies, the full functionality of the Service may be impaired for you.
We May Use Third Party Providers to Help Us Improve Our Service and to Target Online Advertising
Linking to Social Media Apps, Apple Health Kit, Extensions and other Apps on your Mobile Device
If you choose to link your QUBER account to Apple Health Kit, social networks or social apps or other apps and extensions, we will have access to the data associated with your social network accounts, Health / Fitness/ Wellness Apps and we may use such information to send you advertising information. You can always “opt out” of receiving such advertisements.
Notwithstanding the sharing of information described below, neither QUBER nor any of its affiliated companies share any of your personal data collected via Apple Health Kit.
We offer a feature that allows you to share a message with a friend encouraging him or her to use QUBER. If you choose to use this feature, we will ask you for the recipient’s name and email address, along with the text of any message you choose to include, or you may be able to use a pre populated message. By using this feature, you represent that you are entitled to use and provide us with the recipient’s name and email address for this purpose.
From time to time we may request other personal information to provide you with other benefits of the Service. In all such instances, you will be given the opportunity to provide or to decline to provide that information, and it will be used only for the stated purpose. We may combine the Personal Information we collect from you with information we collect from other sources, both offline and online. This includes any information you provide to us while using our Service as well as when, where, and how you:
- make payments, purchases and transfers or
- your use of our website, mobile application or services or
- any other services provided by our partners.
2. Why do we collect your personal information?
In general, QUBER collects, uses and discloses personal information about you for the purposes of establishing, managing or terminating the customer relationship. More specifically, we collect, use and disclose your personal information for the following purposes:
- to analyze site usage and improve the Service;
- to deliver to you any administrative notices, alerts and communications relevant to your use of the Service;
- to market products and services that we believe may be of interest to you;
- to fulfill your requests for certain products and services;
- for market research, project planning, troubleshooting problems, detecting and protecting against error, fraud or other criminal activity;
- to de-identify your personal information and create aggregated data, as discussed below;
- to protect the security of the QUBER Services;
- to detect and protect QUBER, its affiliates, and other third parties against error, theft, fraud and other illegal activity, and to comply with QUBER’s and its affiliates’ audit requirements, and to audit compliance with QUBER’s policies and contractual obligations;
- to engage in and completing business transactions, including the purchase, sale, lease, merger, amalgamation or other type of acquisition, disposal, securitization or financing involving QUBER or its affiliates;
- for purposes permitted by and to comply with any legal or regulatory requirements and laws; and
- for such purposes otherwise identified to you from time to time or as you may otherwise consent.
3. To whom do we disclose your personal information?
From time to time, QUBER may use and disclose your personal information for the purposes described in this Policy or for any additional purposes for which we have obtained your consent. QUBER may share your personal information with our customers, contractors, consultants and other parties who require such information (including to corporate affiliates and other third parties located overseas) to assist us with establishing, maintaining and managing our relationship with you. Below we provide further details regarding the circumstances under which we may transfer or disclosure your personal information to others.
Our Service Providers
In particular, QUBER and its affiliated companies use third-party service providers to help us manage and improve the Service. These service providers may collect and/or use your personal or other information to assist us in achieving the purposes discussed above in the section entitled Why Do We Collect Your Personal Information. For example, we use third parties to host features of our Service and to help us target and implement our email communications and direct mailings. We also use third-party platforms to help us manage our relationships with the people and companies that use our services. And we use third parties to assist us with market research, troubleshooting problems, and detecting and protecting against error, fraud or other criminal activity.
Our Business Partners
We may also transmit your personal information to our banking partners in order to meet legal requirements. We may also share your personal information with other third parties when necessary to fulfill your requests for services; to complete a transaction that you initiate; to meet the terms of any agreement that you have with us or our partners; or to manage our business. In particular, we may share certain information with financial institutions and our other partners to provide the Service features that you elect to use. For example, if you provide your online login information for financial accounts to us, we may disclose that to your financial institution or its intermediary in order to establish a connection between your financial account and your QUBER account, and thereby obtain access to your financial records. Similarly, if you link your QUBER account to other services (such as fitness apps), we may share your personal information in order to provide the Service features you have requested. And if you apply for a financial product or service, we will disclose any personal information that the financial institution requires to complete the transaction in question.
Information Shared with our Marketing Partners
We will never share your Financial Information with our marketing partners without your express consent, but we may use your Financial Information to generate offers for financial products and services from our marketing partners that may be of interest to you. It is always your choice whether or not to apply for an offered product or service and we will never submit an application for a financial product or service on your behalf without your express consent. If you choose to pursue any of the offers that the Services present to you, you will be asked if you would like the Services to pass on your contact details and relevant Financial Information to the third party marketing partner as a convenience. For example, if the Services generate an offer from a third party insurance provider for you, the Services will give you the option of moving forward with that offer within the App, and if you agree to do so, the Services will pass your contact details and relevant Financial Information to that third party loan provider to speed up the process of your application.
Our Community and the Public
QUBER reserves the right (and you authorize QUBER) to share or disclose your personal information when QUBER determines, in its sole discretion, that the disclosure of such information is necessary or appropriate in the following circumstances:
- Legal purposes. We also may use or share your personal or non-personal information with third parties when we believe, in our sole discretion, that doing so is necessary;
- To comply with applicable law or a court order, subpoena, or other legal process;
- To investigate, prevent, or take action regarding illegal activities, suspected fraud, violations of our terms and conditions, or situations involving threats to our property or the property or physical safety of any person or third party;
- To establish, protect, or exercise our legal rights or defend against legal claims; or
- To facilitate the financing, securitization, insuring, sale, assignment, bankruptcy, or other disposal of all or part of our business or assets.
- Business transactions: Finally, your personal information may be transferred to a third party as a result of a sale, acquisition, merger, reorganization or other change of control, reorganization, bankruptcy, or asset sale. If we sell, merge or transfer any part of our business, part of the sale may include your personal information.
4. How do we protect your personal information?
The security of your personal information is important to us. We utilize physical, technical, and organizational security measures to protect against loss, misuse, and alteration of information under our control. We offer industry standard robust practices and security measures to safeguard and secure the personal information we collect. We use a combination of firewall barriers, encryption techniques and authentication procedures, among others, to maintain the security of your session on QUBER App and to protect QUBER accounts and systems from unauthorized access. When you register for the Service, QUBER requires a password with strong complexity requirements from you for your privacy and security. Any information collected by QUBER is transmitted / stored securely, following industry standards, tools & methodologies.
All communications between your device and QUBER are encrypted. This enables client and server applications to communicate in a way that is designed to prevent tampering and message forgery.
You are responsible for keeping your Login ID, Password, Mobile Device, and Email Account Confidential
5. Where is your personal information stored?
Your personal information is stored in secured locations and on servers that are located either at our offices or at the offices of our service providers within Canada. For access to your personal information, please contact our Privacy Officer via the contact information below.
6. How can you access your personal information?
Upon written request, subject to certain exceptions, QUBER will inform you of the existence, use, and disclosure of your personal information and will give you access to that information. Access requests should be sent to our Privacy Officer, using the contact information in the “Contact Us” section below. When requesting access to your personal information, we may request specific information from you to enable us to confirm your identity and right to access, as well as to search for and provide the personal information that we hold about you.
Your right to access your personal information is not absolute. Applicable law or regulatory requirements allow or require us to deny you access where access would inhibit the ability of QUBER to comply with a legal obligation; where it has already been destroyed due to legal requirements or because we no longer need it for our business purposes and where access would reveal personal information about a third party. In the event that we cannot provide you with access to your personal information, we will inform you of the reasons, subject to any legal or regulatory restrictions.
7. How can you update or correct your personal information?
You should advise QUBER if you believe that your personal information is inaccurate. You have the right to ask for it to be corrected or updated. We may ask you to provide documentation to support your request for correction or updating.
Always Keep Your Personal Information Up to Date to Gain Full Access
It is your responsibility to keep your personal information up to date by updating your QUBER application settings. We are not responsible for costs or other issues arising from you not keeping your personal information up to date. In order to benefit from the full functionality of the Service, you must provide your third-party account log ins to allow QUBER and our partners to access your account data at those financial institutions for your use.
You Can Delete Your Data Anytime by Deleting your Account
You may request that we delete your account for the Service. If you do so, your personal information will be permanently removed from our servers and further access to your account will not be possible. We will also promptly disconnect any connection we had established to your Account Information (see below) and delete all account credentials. However, portions of your Personal Information, in de-identified and aggregate forms, may remain on our system indefinitely. We reserve the right to use this aggregate data to improve our service and for other lawful purposes, as discussed below. Also, please note that we also may need to store your data as required by federal, provincial or local law, even if you request that we delete it. To request deletion of your account, email email@example.com, requesting a deletion of your account. Merely deleting the app from your device does not constitute a request to delete your account.
8. Changes to this Policy
QUBER reserves the right to modify or supplement this Policy at any time. If any changes are made to this Policy, we will notify you by posting a copy amended Policy on our website at QUBER.ca as soon as practicable following that update. Your continued use of the Service following such notification will be deemed to constitute your consent to such revised terms.
9. Contact us
QUBER has a Privacy Officer to oversee compliance with this Policy. Should you have questions about this Policy or collection, use and disclosure practices of QUBER, you may contact the Privacy Officer in writing as indicated below:
The Privacy Officer will use reasonable efforts to respond promptly to requests, questions or concerns you may have regarding QUBER’s use of personal information.