information. We may amend this policy at any time by posting a revised version on
our website. The revised version will be effective at the time we post it.
By using or accessing Frendo, you are accepting the practices described in this
If you have questions or concerns regarding this statement, you should first contact
Frendo Support at firstname.lastname@example.org.
Frendo collects two types of nonpublic nonpublic personal information: nonpublic
personal information that users knowingly disclose to Frendo, and website-use information
automatically generated by users as they interact with the site.
Nonpublic personal information
In order to use Frendo, users will be required to register for an account and create
a profile. During this process, users will be required to provide contact information
such as name, address, phone number, and email address. Users will also be asked
to provide demographic and other profile information, such as avatar, preferences,
and other similar information.
So that we can provide our service to our users, Frendo also collects certain financial
information, including bank account numbers and routing numbers, to allow users
to fund their Frendo accounts through outside sources.
Frendo may also require users to provide additional information to help verify identity
or address or manage risk, such as date of birth, social security number, government-issued
identification materials, or other information. Frendo may also obtain information
about users from third parties such as the Social Security Administration or identity
Frendo collects certain information from users' browsers using small data files
called “cookies.” Frendo uses session ID cookies to confirm that users are logged
in. This type of cookie helps Frendo recognize a user if he or she visits multiple
pages on our site during the same session, so that we do not need to require a password
to access each page. These cookies terminate once the user closes the browser. By
default, we use a persistent cookie that stores your login ID (but not your password)
to make it easier for you to login when you come back to Frendo. We encode our cookies
so that only we can interpret the information stored in them. Users can remove or
block this cookie using the settings in your browser if you want to disable the
feature. We do link the information we store in cookies to user accounts.
to track non-personally identifiable information about visitors to our site in the
aggregate, like time and length of visit, in order to improve the service.
of which data is only collected in the aggregate. We have no access to or control
over these cookies.
Transaction and Account Usage Information
Frendo also stores transaction history and information on user relationships and
interactions. Users can import contacts, send messages, form Charities, request
payment, and deposit, withdraw, send and spend money using Frendo. We collect this
information so that we can provide users with a meaningful service to our users.
In most cases, we retain it so that, for instance, users can return to view prior
messages, review transaction histories or recommend new user relationships.
When a user chooses to use our invitation service to tell a friend about Frendo,
we collect information needed to send the invitations, such as an email address.
Frendo will send an email invitation in the user’s name inviting him his or her
friend to sign up for the site. Frendo stores this information to send one reminder,
and to track the success of our referral program.
Frendo may collect additional information in other ways not specifically described
here. For example, we may collect information related to interactions with customer
service or responses from surveys or other feedback tools.
As is true of most Web sites, we gather certain information automatically and store
it in log files. This information includes internet protocol (IP) addresses, browser
type, internet service provider (ISP), referring/exit pages, operating system, date/time
stamp, and click stream data.
We use this information, which does not identify individual user accounts, to analyze
trends and users’ movements around the site, administer the site, and gather demographic
information about our user base as a whole.
We do link this automatically-collected data to personally identifiable information.
IP addresses are tied to personally identifiable information to combat fraud and
Use of Information Obtained by Frendo
Frendo’s primary purpose in collecting nonpublic personal information is to provide
users with a safe, smooth, efficient, and customized experience. Frendo uses this
information to provide services and support; process transactions and send notifications
regarding general operation of the service, such as new messages or reminders, or
new services offered by Frendo; resolve disputes, collect fees, and troubleshoot
problems; prevent potentially prohibited or illegal activities, and enforce our
User Agreement; customize, measure, and improve our services and the content and
layout of our website; compare information for accuracy and verify it with third
parties. We also use your information to send promotional or marketing newsletters.
If you choose to unsubscribe from these emails, please click on the unsubscribe
link in the email.
In order to provide a meaningful service to our users, some personal profile information,
including name, email address, phone number and photo, is shared with other users
that belong to the same Charity(s). You should be aware that any personally identifiable
information you submit in your profile, or on any other public forum such as a blog
on this site, can be read, collected, or used by other users of these forums, and
could be used to send you unsolicited messages. We are not responsible for the personally
identifiable information you choose to submit in your profile and/or these forums.
Frendo will never share a user’s financial information with other users.
Links to Other Sites
If you click on a link to a third-party site, you will leave our site and go to
the site you selected. Because we cannot control the activities of third parties,
we cannot accept responsibility for any use of your personally identifiable information
by such third parties, and we cannot guarantee that they will adhere to the same
privacy practices as us. We encourage you to review the privacy statements of any
other service provider from whom you request services. If you visit a third-party
website that is linked to our site, you should read that site’s privacy statement
before providing any personally identifiable information.
Storage of Nonpublic personal information
Frendo stores and processes user information using third party servers located in
secure data centers in the United States. This information is protected by physical,
electronic and procedural safeguards in compliance with applicable US federal and
state regulations. Frendo uses computer safeguards such as firewalls and data encryption,
and authorizes access to nonpublic personal information only for those employees
who require it to fulfill their job responsibilities.
Frendo will continue to protect the privacy of former customers’ nonpublic personal
information in the same manner as when they were customers. Unlike continuing customers,
however, former customers will not receive privacy notices.
Sharing of Nonpublic personal information with Third Parties
Frendo may share nonpublic personal information with third-party service providers
under contract who help with certain parts of our business operations, including
payment and other financial services, fraud prevention, secure data storage and
other similar services. Frendo requires that these parties are properly licensed
and regulated, and only use nonpublic personal information in connection with the
services they perform for Frendo.
Frendo collects user information like name, address and social security number,
and uses this information to establish accounts at its partner bank, the Bancorp
Frendo may share nonpublic personal information in the event of a merger or acquisition.
Should such an event occur, Frendo will require that the new combined entity follow
personal information could be used contrary to this policy, users will receive prior
Frendo may be compelled to share nonpublic personal information to law enforcement,
government officials, or other third parties in the event of a subpoena, court order
or similar legal procedure, audit, or investigation, or when Frendo believes in
good faith that the disclosure of nonpublic personal information is necessary to
prevent physical harm or financial loss, to report suspected illegal activity, or
to investigate violations of our User Agreement.
Frendo may also disclose your nonpublic personal information if you authorize such
Frendo only shares your nonpublic personal information with third parties as described
in this policy. We will not sell, rent, share or trade any of your nonpublic personal
information to third parties for promotional purposes or in the normal course of
doing business and
Editing Nonpublic Personal Information
Users can review and edit nonpublic personal information at any time such as their
address, phone numbers, and preferences (such as privacy and email settings) by
logging in to their account, then clicking on “My Settings”. Information will be
updated immediately; however, some shared or transaction information (e.g. a payment
to a Charity or a request for payment from a Charity) generally cannot be removed
by a user.
Contacting Frendo regarding this Privacy Polic
If you have questions or concerns regarding this policy, you should contact us at
Or write us at:
1140 Post Road
Changes to this Privacy Statement
statement on our home page and other places we deem appropriate, so that you are
aware of what information we collect, how we use it, and under what circumstances,
if any, we disclose it.