Our Commitment to Privacy
At Collective Returns Inc., dba StashInvest (“Stash”), our most important asset is our relationship with you.
Information We Collect
When you interact with us through the Site or the Services, we may collect Personal Data and other information from you, as further described below:
Personal Data That You Provide Through the Site: We collect Personal Data from you when you voluntarily provide such information such as when you register for access to the Services (for example, contact information such as your name, email address, and mailing address; and when you wish to use certain Services (for example financial information such as bank account numbers, your Date of Birth and your social security number).
Information from Third Party Sources: We may also collect Personal Data and information about your transactions with us and those you engage in with our affiliates, unaffiliated third parties, banking verification services and information from consumer reporting agencies. We may further collect information about you from third party data sources, such as brokers, banks and government databases, and combine it with data we collect from you.
Non-Identifiable or Aggregated Data: When you interact with Stash through the Site, App or Services, we receive and store certain non-identifiable information about you. Such information, which may be collected passively using various technologies or through other means, is anonymized using standard industry practices.
As is true of most websites, we gather certain information automatically and store it in log files. This information includes, among others, internet protocol (IP) addresses, browser type, internet service provider (ISP), referring/exit pages, operating system, date/time stamp, and clickstream data. Stash may store such information itself or such information may be included in databases owned and maintained by Stash affiliates, agents or service providers. Stash may use such information and pool it with other information to track, for example, the total number of visitors to our Site, the number of visitors to each page of our Site, the domain names of our visitors’ Internet service providers, and how our users use and interact with the Services. Also, in an ongoing effort to better understand and serve the users of the Services, Stash often conducts research on its customer demographics, interests and behavior based on the Personal Data and other information provided to Stash by Issuers and Users.
Our Use of Your Personal Data and Other Information
Stash and its subsidiaries and affiliates may also use your Personal Data and other personally non-identifiable information collected through the Site or App to help us improve the content and functionality of the Site or App and to better understand our users and to improve the Services.
The research Stash conducts on its customer demographics, interests and behavior may be compiled and analyzed on an aggregate basis. Stash may share this research and non-identifiable and aggregate data with its affiliates, agents and business partners. Stash may also disclose aggregated user statistics in order to describe our Services to current and prospective business partners and to other third parties for other lawful purposes.
Stash and its affiliates may use this information to communicate with you regarding the Services or to tell you about services we believe will be of interest to you. If at any time you wish not to receive any future marketing communications or you wish to have your name deleted from our mailing lists, please contact us as indicated below. Note however that as a user of the Service we and/or our custodian will send you administrative communications that are reasonably necessary to the Service, such as billing, brokerage or service notifications.
Stash may from time to time enter into agreements with third parties, such as employers or affiliate membership groups, pursuant to which the third party may pay a portion or all of the advisory fees of its employees or members, and may on occasion make direct or indirect contributions to the Stash account of its employees or members. This is generally implemented by distributed "promotional codes" that are sponsored by the employer or affiliate membership group. If you use the benefit provided by an employer or affiliate group, you consent to additional anonymized reporting with respect to the participation, contribution rates, engagement, etc., of the employees or members., and consent to personalized reporting (i.e., where you may be specifically identified) solely and exclusively to (x) confirm your use of Stash to your employer or affiliate membership group, and (y) if the employer or affiliate membership group makes a contribution to your Stash account, to confirm receipt of the specific amounts contributed. In addition, if the benefit the employer or affiliate group provides includes embedding the Stash experience in a broader experience hosted by the employer or affiliate, by using such benefit you consent to Stash embedding the Stash experience in the hosted experience, and understand that your Personal Data may be shared in order to implement the hosted experience.
Our Disclosure of Your Personal Data and Other Information
Business Transfers: As we develop our business, we might sell or buy businesses or assets. In the event of a corporate sale, merger, reorganization, dissolution or similar event, Personal Data may be part of the transferred assets and you will be notified via email and/or a prominent notice on our website of any change in ownership or uses of your personal information, as well as any choices you may have regarding your personal information.
Agents, Consultants and Related Third Parties: Stash, like many businesses, sometimes hires other companies to perform certain business-related functions. Examples of such functions include website hosting, mailing information, maintaining databases, ID verification, processing applications, processing payments and completing transactions. When we employ another company to perform a function of this nature, we only provide them with the information that they need to perform their specific function. These companies are authorized to use your personal information only as necessary to provide these services to us.
Legal Requirements: Stash may disclose your Personal Data if required to do so by law or in the good faith belief that such action is necessary to (i) comply with a legal obligation, (ii) protect and defend the rights or property of Stash, (iii) act in urgent circumstances to protect the personal safety of users of the Site or the public against fraud or other harm, or (iv) protect against legal liability.
If your personal information changes, or if you no longer desire our service, you may correct, update, amend, delete or request deletion by making the change in your registered account settings page, by emailing our Customer Support at firstname.lastname@example.org or by contacting us at the contact information listed below. We will respond to your request to access within 30 days.
We will retain your information for as long as your account is active or as needed to provide you services. We will also retain and use your information as necessary to comply with our legal obligations, resolve disputes, and enforce our agreements.
When you sign up for our Services or newsletter(s), we will send periodic emails to you regarding the Services or to tell you about services we believe will be of interest to you. Out of respect for your privacy, you may choose to stop receiving our newsletter or marketing emails by following the unsubscribe instructions included in these emails or you can contact us at email@example.com
Confidentiality and Security
The security of your personal information is important to us. When you enter sensitive information (such as bank account information) in our app, we encrypt the transmission of that information using secure socket layer technology (SSL). We and our custodian also use third party ID verification to ensure our users’ true identities are validated.
We follow generally accepted standards to protect the personal information submitted to us, both during transmission and once we receive it. No method of transmission over the Internet, or method of electronic storage is 100% secure. Therefore, we cannot guarantee its absolute security. If you have any questions about security on our website, you can contact us firstname.lastname@example.org.
We do not display personal testimonials of satisfied customers on our site.
We do not email you or send you other electronic communications to request non-public information or account information (such as username and password). If you receive an unsolicited email or other electronic communication that appears to be from Stash but you suspect it may be from some other source or fraudulent, please email us at email@example.com.
Our service is not directed towards anyone under the age of 18. If a parent or guardian becomes aware that his or her child under the age of 18 has created an account with Stash and/or provided us with personally identifiable information, please contact us at firstname.lastname@example.org. Additionally, if we become aware at any point that a child under the age of 18 is using our service, we will terminate his or her account. For more information on the Children’s Online Privacy Protection Act (COPPA), please visit the Federal Trade Commission website at www.fts.gov.
Links to Other Web Sites
Other Terms and Conditions
Phone: 1 (800) 205-5164
Collective Returns Inc dba StashInvest,
27 West 24th Street New York,