Privacy Policy

The privacy policy is simple: the data you share by using the synchronize function is private and safe. If you don’t use the synchronize function, no personal data is collected. We use the following permissions on your phone:

– Internet: to get exchange rates online and for online sync.
– Accounts: to sync between participants and your devices, and to backup your trips.
– Contacts: to allow auto-complete when adding participants and to show a picture on the persons list.
– SD-Card: required for CSV Excel and PDF export when sending mails.
– Location: to record the payment location and show it in the payments list.
– Camera: to scan QR-Codes when joining a trip.
– Read Sync-Settings: to be able to know if the device is allowed to sync.

We do not give, share, sell, or transfer any personal information in any way to any third party. Not now, and not in the future.

The data of your trip is kept safe on a secure server in Switzerland. The very strict Swiss privacy laws apply.

Travel Money does collect anonymous usage data (‘Google Analytics‘). Those data are fully anonymous and are used to improve the apps usability and to track error reports.

Long story short: don’t worry, your data is safe, and will always be.

And here’s the long story:

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Scope

Welcome to Travel Money’s Privacy Statement. Your right to privacy and online security is important. This Privacy Statement describes Travel Money Inc.’s collection, protection, disclosure, and use of your information. This Privacy Statement applies to to all of Travel Money’s websites, mobile applications, and/or online services, that link to or reference this Privacy Statement. It covers your personal information that is provided or collected through the our services and how we use that information in connection with our services.

By using Travel Money, you agree to this Privacy Statement. If you do not agree with any term in this Privacy Statement, please do not use our services.
Here’s a quick overview:

Travel Money is a shared ledger for friends. Expenses you add in Travel Money are not public. Friends who are included on an expense can view that expense, and, if an expense is added in a group, other group members can view expenses shared on Travel Money. You choose who you share your expenses with and what kind of expenses you want to share. Anyone shared on an expense or in a shared group has the ability to edit, delete, and undelete the expenses that have been shared with them.

In order to use Travel Money, we ask for your Google account. This allows us to retrieve information such as firstname, lastname and picture. We use this information to be able to backup your ledgers in case you lose your phone, and to personalize your user experience. Also, this information is used for security reasons when sharing a ledger.

In addition to sharing your registration information to set up your account, we collect some other information about you, such as the type of device you use. We use this information to provide support.

You have control over the type of information you provide and how we use it. We don’t share your registration or personal information for marketing purposes. We will never share your information with other parties for use other than what’s laid out in this policy without your consent. If you have any questions please contact us.

Travel Money is not intended for use by children under 13 years of age or minors. We do not knowingly collect personally identifiable information from children under 13. If a parent or guardian becomes aware that their child has provided us with Personal Information without their consent, they should contact us. If we become aware that a child under 13 has provided us with Personal Information, we will delete such information from our files immediately.

DATA WE COLLECT

When you use Travel Money, we may collect the following information about you:

Information you provide to us:
Registration information: When you sign up for an account with Travel Money, we require you to provide an email address in order to use Travel Money so that we can contact you about your account, and so that you can access your data from any device. Friends will be able to add you using your email address. You can make changes to this information at any point from your Settings.

User-generated content: We also collect and store the information you provide to us when using our service to share expenses, payments, and communicate with others. This data includes, for example, group names, expense descriptions and amounts, payments and comments, in addition to any other information that you attach or share while using Travel Money. You may share this information with contacts you specify in the course of using the Service. For example, if you add an expense with a group of roommates, those roommates will be able to see that bill, while users who are not the roommates group will not. You are solely responsible for which contacts you share this information with.
We may offer bulletin boards, blogs, chat rooms, message boards, or similar public forums where you can communicate with us or other users. Any information that you submit or post to these blogs or other forums could be viewed by other viewers or may otherwise be publically available. For example, new feature suggestions posted in our public suggestion forum are public and can be viewed by anyone. We don’t recommend posting personal information in public forums. If you choose to post personal information, other viewers may use this information to send you unsolicited messages. We are not responsible for the personal information you choose to submit in these blogs and other forums, so please be careful about what you disclose and do not post any information that you expect to keep private. If you would like to request removal of your information from our blogs or other forums, please contact us at support@Travel Money.com.
The way you use our service: We collect information about how you use and interact with Travel Money. Such as the types of expenses you add, the features you use, the actions you take, and the time, frequency and duration of your activities. For example, we log when and how often you add images to a bill and may use that information to improve our service or suggest new features we offer.
Information Shared By Others: Other Travel Money users may share information with you using your contact information (such as email or phone number), and that information will be stored in the course of using Travel Money. For instance, if a contact of yours shares a bill with you or adds you to a group using your email address, Travel Money may notify you and store that information under your account according to your preferences.
Device and Location information: When you download or use Travel Money, we may receive information about your device and location, which allows us to provide increased account security and regulatory compliance. It also allows us to provide location-based services such as targeted advertising, search results, and other personalized content. We also collect information about your interaction with Travel Money including, but not limited to, your computer browser type, pages visited, advertisements clicked on, average time spent on our Sites, your IP address, unique identifiers of your device, the operating system version and app version.
Payment information: Travel Money may offers paid premium services (“Travel Money Unlocker”) in some markets. If you choose to subscribe to this service, we will ask for additional information over the Google Play Store. This includes your payment information, such as your credit or debit card number, other card information, and other account and authentication information, as well as billing, and contact details. For certain services, you may be required to provide your checking account number and routing number. For security purposes, you may also be asked to provide identification information to confirm your identity, including your first and last name, address, and phone number, or in some cases, last four digits of a social security number or a copy of an identification document.
Information related to Third Party Integrations: Travel Money may collect information about you from third parties to help improve our service, or for security and support reasons. If you choose to use some of the optional integrations the third party services that we offer we may collect information about you from those services. For example, if you choose to send payments to your friends using one of the payment services we integrate with we may collect information from that payment service (i.e. your username for that service, the status of that payment).
Google accounts: As part of using Travel Money, you may be presented with the option to link one or more parts of your Google account to your Travel Money account. If you authorize Travel Money to use your Google Account to login to Travel Money, your name, contact information (usually an email address) and other basic account details (profile picture, age, gender, birthday) may be shared with Travel Money at your discretion. Sharing this data is not required to start a Travel Money account. These details will be stored by Travel Money and will generally be treated as if you had manually provided that data to Travel Money under this privacy policy (for instance: to sign in with Google in the future, to contact you, display your profile picture, reset your password, set a default currency).

Information from other sources: We may use publicly available information about your name, email address, phone number, or other demographic data to help you during support, to address fraud or security concerns, or to personalize your experience, including by providing ads or offers. For instance, if you have a public avatar stored on a service such as Gravatar associated with your email, we may automatically populate your user avatar on Travel Money. We may also collect information about you that we may receive from other sources or from our offline interactions with you to, among other things, enable us to verify, update information contained in our records, and to better customize the Service for you.
Other information: We may request or receive other information such as feedback, questions, comments, suggestions, or ideas to provide you with other benefits or to improve upon the Service.

HOW WE USE DATA

WE WILL NOT PROVIDE ANY OF YOUR PERSONAL INFORMATION TO ANY THIRD PARTY EXCEPT AS OUTLINED IN THIS POLICY OR WITH YOUR CONSENT.

We use your information for the following purposes:

To Provide the Travel Money Service:

Travel Money is designed to help people share expenses and informal IOUs with friends. We process your information to provide, support, and secure our service (both automatically and manually). For example, we may use your information in some of the following ways:
To record informal records of expenses, IOUs, and payments.
To fulfill your requests for certain products and Services.
To help your Travel Money contacts manage their Travel Money relationship with you. For example, we may display your Travel Money email address to your Travel Money friends and group members so they may identify that they are sharing bills with the correct person.
Respond to your inquiries about our Services. For example, if you or a Travel Money friend of yours contacts us for support, or as part of a random account audit, we may go into your account in “administrator mode” to help provide support to you or a friend.
To detect and protect against errors, fraud, or other criminal activity.
We may use your information for internal security purposes. For example, if you have activated a feature that limits access to a Service from a specific device, our systems will access the Device ID from each device you attempt to access the Service with to determine if the device is the specific authorized device. Additionally, we may use identifying information to monitor suspicious activity. For example, if we detect that a single account on a Site is being accessed from multiple devices, as determined by tracking the Device IDs that access an account, we may contact the user to ensure that such access has been authorized by the user.
To verify your identity in the event you contact us for assistance.
To analyze Site usage, perform market research, project planning, product development, troubleshooting problems, analysis of user behavior, internal marketing and promotions, or other efforts to improve our service quality.
To pre-fill form fields or store preferences for your convenience.
To alert you to software compatibility issues and to improve our web design and functionality.
To communicate with you. For example, we will email you when we release new features, have important news, and when you have a notification generated by activity (including a monthly summary). All of these emails are optional and can be set by going into your Account Settings. Some emails, such as, updates to our Privacy Policy, information about your account, password resets, or other security issues are not optional.
To enforce our Terms of Service
To allow other users to find you

Friends can find your account on Travel Money by conducting a search via your email address or phone number. When friends add you on Travel Money they’re only able to see what you’ve shared with them. You can manage your preference for this setting from your Account Settings page.

With Third Party Services

We may receive and collect information about you from Third Parties and affiliates that help us provide, support, and secure our services. In general, data shared with Travel Money in this manner will be treated under the same privacy restrictions as any other data shared with Travel Money. For example:
If you choose to settle up via one of the third party payment integrations we offer we may collect information from the service. We will use the data you’ve supplied in your account to assist in completing that payment. We may use information from that Service to display the status of that payment to you. We may also use information about payments sent via third party services to address fraud, security, or support issues.
If you give Travel Money access to your Google Contacts as part of using our service, this contact data may be used in a limited way: to send Travel Money invitations on your behalf to friends (to individuals specifically authorized by you; not in bulk), to locate your friends who already use Travel Money, to recommend friends to invite to Travel Money, and to improve our services (for example, to identify common email spelling errors in user support). If you share access to your Google account contacts, Travel Money may store some of this information for those purposes.
For some services, Travel Money uses Plaid Technologies, Inc. (“Plaid”) to gather End User’s data from financial institutions. If you use a service like this, you grant Client and Plaid the right, power, and authority to act on your behalf to access and transmit your personal and financial information from the relevant financial institution. You agree to your personal and financial information being transferred, stored, and processed by Plaid in accordance with the Plaid Privacy Policy (https://plaid.com/legal). We will request your permission before granting such access.
To Provide Personalized Advertisements

We may use your email/phone, location, usage and expense information to show you specific advertisements or offers on our own site that we believe may be of interest to you. For instance, we may show ads for apartments cheaper than your current apartment based on the rent expense you share on our system.
HOW WE SHARE YOUR INFORMATION

We will not, without your permission, sell, publish, or share your personal information to third parties for their marketing purposes. We help you track and manage shared expenses with your friends by sharing your information in the following ways:

To Provide the Travel Money Service

Travel Money is designed to help you track and share expenses with your friends. We share some of your personal information (name, email user avatar) with your friends and groupmates on Travel Money. Someone who knows your email address and/or phone number will be able to add you as a friend. They will not be able to see expenses that you’ve added with other friends unless you include them on those expenses or in a group.
Travel Money allows you to keep track of expenses in groups. These groups are private, and information and expenses posted in a group is only visible to other members of the group. However, any user in that group may add additional members to the group, so it is the joint and sole responsibility of group members to safeguard who they invite into their group sharing platform.
Travel Money lets friends add, edit, delete and undelete content shared privately.
With third parties, affiliates, subsidiaries, and service providers:

We employ third party agents, subsidiaries, affiliates, and/or service providers to enable them to help support and improve our services. For example, maintenance services, database management, cloud hosting, web and mobile analytics, receipt scanning services and OCR. Third parties acting on our behalf that are given access to your personal information are contractually obligated to abide by our privacy practices and are not allowed to use the information for any other purposes. We may share your personal information with other third parties with your consent or instructions to do so.
Where permitted by law, third parties may use data provided to them to improve their own services; for instance, a third party receipt-scanning service may improve the OCR quality of their OCR service by training an algorithm on receipts you provide to Travel Money.
For legal matters

We reserve the right, in our sole discretion, to share or disclose your personal information with law enforcement, government officials, and other third parties:
to respond to subpoenas, court orders, or legal process;
in order to investigate, prevent, defend against, or take other action regarding violations of our Terms of Service, illegal activities, suspected fraud, or situations involving potential threats to the legal rights or physical safety of any person or the security of our network, Sites, or Services;
to respond to claims that any posting or other content violates the rights of third parties;
in an emergency, to protect the health and safety of our Sites’ users or the general public; or
as otherwise required by any applicable law.
Business Transfer

If our company or our assets are acquired by another company, or in the event of a merger, consolidation, change in control, transfer of substantial assets, reorganization, or liquidation, we may transfer, sell, or assign to third parties, information concerning your relationship with us, including, without limitation, personal information that you provide and other information concerning your relationship with us. Such third parties will assume responsibility for the personal information collected by us in connection with our business operations or through our Sites and such third parties will assume the rights and obligations regarding such information as described in this Privacy Statement and according to applicable regulations.

Non-identifiable information

We may disclose information that does not personally identify you in any other manner that we deem appropriate, including to third parties for their research, marketing, and promotional purposes and to help us determine how we can improve our Sites. We will also disclose non-personal information to our service providers and other third parties about how our users collectively use the Sites.
SECURITY

How we protect the information we collect

We take the security of your information seriously. We use technical and administrative security measures such as but not limited to encryption techniques and authentication procedures, among others, to maintain the security of your online session. Please understand, however, that while we try our best to safeguard your personal information once we receive it, no transmission of data over the Internet or any other public network can be guaranteed to be 100% secure.

You can help protect the privacy of your own information by using encryption and other techniques to prevent unauthorized interception of your personal information. You are responsible for the security of your information when using unencrypted, public or otherwise unsecured networks.

We will contact you regarding any breach of the security, confidentiality, or integrity of your unencrypted electronically stored personal information to you via email or conspicuous posting on our Site in the most expedient time possible and without unreasonable delay, insofar as consistent with (i) the legitimate needs of law enforcement or (ii) any measures necessary to determine the scope of the breach and restore the reasonable integrity of the data system.

Phishing:

Identity theft and the practice currently known as “phishing” are of great concern to Travel Money. Safeguarding information to help protect you from identity theft is a top priority. We do not and will not, at any time, request your credit card information, your account ID, login password, or national identification numbers in a non-secure or unsolicited e-mail or telephone communication. For more information about phishing, visit the Federal Trade Commission’s website at http://www.ftc.gov.
COOKIES

How we use cookies and similar technologies:

We do not use cookies.

CHOICE AND ACCESS; DELETING YOUR ACCOUNT; DATA RETENTION

Choice and Access to your personal information:

You may access, review, and update the personal information you have submitted to us at any time. You can make changes to your personal information from your Account Settings page. If you need help updating or correcting your information please contact us.

Users can export data from their groups and friendships by following the instructions found here. We’re happy to help provide exports from your account. You can request exports by contacting us.

Your choices regarding the data we Collect and Process

In many instances, you have choices about the information you provide and limiting how we use your information. These choices, and any related consequences, are described in detail below:
Personal information: You may choose not to provide your personal information, but then you might not be able to take advantage of many of our Sites’ features.

Location Tracking: Most mobile devices allow you to control or disable the use of location services by any application on your mobile device through the device’s settings’ menu.

Deleting your account:

You may choose to close your account at any time. You can close your account from your Account Settings page, or request that we close it for you by writing to us. When you close your account in this way, we may allow you to reactivate it by writing to us.

Data Retention

In accordance with and as permitted by applicable law and regulations, we will retain your information as long as necessary to serve you, to maintain your account for as long as your account is active, or as otherwise needed to operate our business. We may also retain personal information to comply with law, prevent fraud, resolve disputes, enforce our Terms of Service, and as permitted by applicable law.

If you would like to fully delete your account and the information in it, you can write to us. We will use commercially reasonable efforts to remove your personal information from our services so long as we do not have any legal reason or obligation to retain the record. It may take up to 90 days for your information to be cleared from our servers.

When you change or delete personal information, or close your account from your Account Settings page, expenses involving you (either that you have shared or that have been shared with you) and your name may remain visible to people with whom they have been shared as part of their records (just as deleting an email account does not unsend emails that have already been sent).
CHANGES

Changes to this Privacy Statement

We may update this Privacy Statement periodically. Changes are effective immediately upon posting. The date last revised appears at the top of this Statement.

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