Effective Date: Oct 14, 2025
This OwlBudget Family of Companies Privacy Policy (“Privacy Policy”) describes how the OwlBudget Family of Companies (as defined in “Who We Are” below) process information collected on our websites and applications (including mobile) or through your online interactions with us (collectively, our “Services”).
In some circumstances, we may provide you with additional or supplemental privacy notices to the extent they apply to you because of the products and services you obtain from us or different laws that may apply to you. Some states may provide additional privacy rights. Please refer to the Additional Information Regarding Your State Privacy Rights section to learn more.
By using any of our Services, you acknowledge the privacy practices we describe in this Privacy Policy. You also acknowledge that you have read this policy and other policies described.
When we say “OwlBudget Family of Companies,” we mean the below listed companies inclusive of OwlBudget Limited Partnership (formerly known as “OwlBudget, LLC”), and the companies that are controlled by OwlBudget Limited Partnership and share the OwlBudget name. A reference to “OwlBudget”, “we” or “us” is a reference to the relevant commonly-branded operating company in the OwlBudget Family of Companies that is involved in the processing activity. This policy does not apply to OwlBudget affiliates that aren’t a part of the OwlBudget Family of Companies (“Affiliates”). The data practices of Affiliates are governed by their own privacy policies.
We collect information you provide to us. For example, we collect information from you when you create a OwlBudget account, fill out a form or otherwise submit content through our Services, are referred to us via one of our third-party professional partner relationships, make a purchase, communicate with us via third-party platforms, participate in a contest, promotion or survey, request customer support or information about our Services, use the chat function on our Services, or otherwise communicate with us.
The specific information we collect depends on the context in which you provide it, and could include:
Name
Email address
Postal address
Phone number
Social security number
Location and approximate value of your property
Age and/or date of birth
Demographic information, such as race, ethnicity and gender gathered pursuant to federal requirements
Related loan products or services you have used in the past
Financial information, such as income, assets and net worth
Home ownership status and employment status
Insurance information
Other profile data, including your interests and preferences
Any other information you provide
We automatically collect certain information about your interactions with us or our Services, including:
Transactional Information: When you make a purchase or complete a transaction, we collect information about the transaction, such as product or service details, financial details and the date and location of the transaction.
Device and Usage Information: We collect information about how you access our Services, including data about the device and network you use, such as hardware model, operating system version, mobile network, IP address, unique device identifiers and device regional and language settings, browser type, and app version. We also collect information about your activity on our Services, such as access times, pages viewed, links clicked, products and services considered, and the page you visited before navigating to our Services.
Your Content: As you allow through your device or application, we may collect information and content stored on your device, such as photos.
Location Information: In accordance with your device permissions, we may collect information about the precise location of your device. You may stop the collection of precise location information at any time (see the Your Choices section below for details).
Information Collected by Cookies and Similar Tracking Technologies: We (and those who perform work for us) use tracking technologies, such as cookies and web beacons, to collect information about your interactions with the Services.
Cookies are small data files stored on your hard drive or in device memory that help us improve our Services and your experience, see which areas and features of our Services are popular and which emails and advertisements you view, authenticate users, reconstruct or observe activity relating to a session or by a user for troubleshooting, issue resolution, and other purposes, personalize advertisements and conduct analytics, and count visits to our websites.
Web beacons (also known as “pixel tags” or “clear GIFs”) are electronic images that we use on our Services and in our emails to help deliver cookies, count visits, and understand usage and campaign effectiveness. In our mobile apps, we may also use technologies that are not browser-based like cookies.
For example, our apps may include software development kits (known as SDKs) which are code that sends information about your use to a server. These SDKs allow us to track our conversions, bring you advertising both on and off the Service, and provide you additional functionality. For more information about these tracking technologies and how to disable them, see the Advertising and Analytics section below.
We obtain information from third-party sources in certain situations. For example, we may collect information about you from identity or other verification services, credit bureaus (including your credit report), advertising networks, mailing list providers, service providers and data brokers. Our Services also may allow or require you to integrate or connect your OwlBudget account with third-party services through service providers (such as Plaid), which allows you to more easily complete your transaction with us by importing certain information, such as bank account information, directly to us rather than you having to upload it manually.
The information we receive from such third parties varies depending on the information made available by those entities. Examples of the types of information we receive include financial account information, information about account balance, information about credit accounts, information about loan accounts, information about investment accounts, identifiers and information about account owners, information about account transactions and employment information.
Additionally, if you create or log into your OwlBudget account through a third-party platform, such as Facebook or Google, we’ll have access to certain information from that platform, such as your name, birthday, and profile picture, in accordance with the authorization procedures determined by such platform.
We may derive information or draw inferences about you based on the information we collect. For example, we may make inferences about your location based on your IP address or city or postal code or infer that you are looking to purchase certain products based on information you provide to us and your browsing behavior and past purchases. We may incorporate products and services that use artificial intelligence, including large language models and machine learning, to derive this information and draw these inferences.
OwlBudget enables you to use Plaid Technologies, Inc. to gather data from financial institutions. By using the Services, you acknowledge and agree that your information will be processed in accordance with the Plaid Privacy Policy and you grant OwlBudget and Plaid the same rights, power and authority as specified therein.
We use the information we collect to provide our Services to you.
We also use the information we collect to:
Fulfill or deliver the services you requested
Provide, maintain, improve and develop new products, services and features, including debugging and repairing errors in our Services
Personalize your experience with us
Send you technical notices, security alerts, support messages and other transactional or relationship messages, including responding to your inquiries and comments
Communicate with you about products, services, and events offered by OwlBudget and others and provide news and information that we think will interest you. See the Your Choices section below for information about how to opt out of these communications at any time
Monitor and analyze trends, usage, and activities in connection with our products and services
Personalize the advertisements you see on third-party platforms and websites. For more information, see the Advertising and Analytics section below
Show you offers for third-party services personalized to you, based on information we have collected about you
Facilitate contests, sweepstakes and promotions, and process and deliver entries and rewards
Detect, investigate, and help prevent security incidents and other malicious, deceptive, fraudulent, or illegal activity, and help protect the rights and property of OwlBudget and others
Comply with our legal and financial obligations
Create de-identified, anonymized or aggregated information
Fulfill any other purpose at your direction
We share personal information in the following circumstances or as otherwise described in this policy.
The OwlBudget Family of Companies use and share your information with each other in accordance with this OwlBudget Family of Companies Privacy Policy. This allows the OwlBudget Family of Companies to manage and provide and offer you a variety of their services through a broad lifecycle of your personal and financial needs.
OwlBudget also shares your information with our Affiliates. For example, we share, or may share, your information:
With Affiliates that act as vendors, service providers and consultants that access personal information to perform services for us, such as companies that assist us with marketing services
With Affiliates for their own services and marketing purposes
With Affiliates for regulatory reporting purposes and capturing performance metrics
With Affiliates if we believe (1) that your actions are inconsistent with our user agreements or policies, (2) that you have violated the law, or (3) it’s necessary to protect the rights, property and safety of OwlBudget, our users, the public or others
In connection with, or during negotiations concerning, any merger, sale of company assets, financing or acquisition of all or a portion of our business by another company.
We also share aggregated or de-identified information that cannot reasonably be used to identify you.
OwlBudget shares your information with non-affiliated third parties in the following circumstances:
As noted above, we use cookies to ensure that the Services function and to optimize user experience. You may choose to turn off advertising cookies and can update your preferences at any time. Disabling cookies may affect your experience on our Services. You can manage advertising cookies by visiting our Do Not Sell My Personal Information webpage. You can also manage cookies directly at your browser level.
We share personal information to allow others to provide analytics services and serve advertisements across the web and in mobile apps. These entities may use cookies, web beacons, device identifiers and other technologies to collect information about your use of our Services and other websites and applications, including your IP address, web browser, mobile network information, pages viewed, time spent on pages or in mobile apps, links clicked and conversion information.
This information may be used by OwlBudget and others to, among other things, analyze and track data, reconstruct or observe activity relating to a session, determine the popularity of certain content, deliver advertising and content targeted to your interests on our Services and other websites, and better understand your online activity.
For more information about interest-based ads, or to opt out of having your web browsing information used for behavioral advertising purposes, please visit www.aboutads.info/choices. Your device may also include a feature (“Limit Ad Tracking” on iOS or “Opt Out of Interest-Based Ads” or “Opt Out of Ads Personalization” on Android) that allows you to opt out of having certain information collected through mobile apps used for behavioral advertising purposes. Certain state privacy laws also provide their residents with rights relating to submitting a direct opt-out for the sharing of personal information for purposes of cross-contextual, or interest-based, advertising. For more information, please see the “Additional Information Regarding Your State Privacy Rights” section below.
We also share personal information to work with third parties to serve ads to you as part of customized campaigns on third-party platforms (such as Facebook). As part of these ad campaigns, we or the third-party platforms may convert information about you, such as your email address or phone number, into a unique value that can be matched with a user account on these platforms to allow us to learn about your interests and serve you advertising that is customized to your interests. Note that third-party platforms may offer you choices about whether you see these types of customized ads.
OwlBudget products are not intended for children. We don’t direct our Services to children under 16, or knowingly attempt to solicit or receive information from children.
California Shine The Light
California law permits residents of California to request certain details about how their information is shared with third parties for direct marketing purposes. If you’re a California resident and would like to make such a request, please call us.
OwlBudget is headquartered in the United States, and the OwlBudget Family of Companies provides goods and services primarily to U.S.-based consumers. We maintain operations and work with vendors in the U.S. and other countries. Accordingly, your personal information may be transferred to, stored in, or accessed from jurisdictions that may not offer the same level of data protection as your country or state of residence.
You may opt out of receiving promotional emails by clicking the unsubscribe link in any email or by adjusting your preferences in your account settings. Additionally, you may have the option to opt out of phone calls and text messages, depending on the specific OwlBudget Company with which you interact. Please visit the relevant company website for details on how to manage these preferences.
We record telephone calls (ours and those conducted by our third-party service providers) for quality assurance, fraud detection, troubleshooting, and complaint resolution. If you prefer not to have your calls recorded, please use an alternative method such as email.
Our chat services—on both our website and mobile apps—are powered by AI and recorded for quality purposes. If you do not wish for chats to be recorded, please discontinue the chat and communicate with us via another method.
You may update or delete your account information by logging into your account. Please note that certain information may be retained as required by law or for legitimate business purposes. For more information, refer to the Additional Information Regarding Your State Privacy Rights section.
When you first access any OwlBudget mobile app or Service that collects location data, we will request your permission. If granted, you can later disable this collection via your device settings. Be aware that some features of our Services may not function properly without access to location information. To stop location tracking entirely, uninstalling the mobile app is another option.
If your browser sends a “Do Not Track” or “Opt-Out Preference” signal, we recognize and honor it by offering you the ability to opt out of personal data sale or sharing, as described in the Additional Information Regarding Your State Privacy Rights section.
We implement reasonable technical and organizational safeguards to protect your personal information against unauthorized access, use, or disclosure.
Certain states provide residents with specific privacy rights. These states currently include:
California, Colorado, Connecticut, Delaware, Indiana, Iowa, Kentucky, Maryland, Minnesota, Montana, Nebraska, New Hampshire, New Jersey, Oregon, Rhode Island, Tennessee, Texas, Utah, and Virginia.
Some companies in the OwlBudget Family of Companies are subject to federal regulations such as the Gramm-Leach-Bliley Act (GLBA), and in those cases, state privacy rights may not apply.
In the past 12 months, we have collected the following categories of personal information:
| Category | Examples |
|---|---|
| Identifiers | Name, alias, postal address, IP address, email address, Social Security number, driver’s license number |
| Client Records | Employment info, bank account details, credit/debit card numbers, financial data including credit reports and salary |
| Protected Class Information | Age, race, ethnicity, gender, military status, marital status |
| Commercial Data | Records of property, products, or services purchased |
| Internet or Network Activity | Browsing and search history, interactions with websites, apps, or ads |
| Geolocation | Physical location or movements |
| Sensory Data | Audio (e.g., call recordings), video content you upload |
| Employment Info | Employer, employment status |
| Inferences | Preferences, characteristics, general location |
| Sensitive Info | SSN, driver’s license, login credentials, precise geolocation, race/ethnicity, religious beliefs, communication contents (if not intended for OwlBudget) |
We have disclosed the following categories of personal information to partners, service providers, and affiliates in the past 12 months for business purposes:
Identifiers
Client Records
Protected Class Characteristics
Commercial Data
Internet/Network Activity
Geolocation Data
Sensory Data
Employment Info
Inferences
Sensitive Personal Information
California law gives you the right to limit our use of Sensitive Personal Information to purposes that are necessary to deliver products or services you’ve requested. Other state laws may require your consent before we collect or process certain sensitive information.
Some states require us to disclose whether we “sell” your personal data. Definitions of “sale” vary by state. Under California law, our sharing of personal data with affiliates or third parties for their own marketing or business purposes qualifies as a “sale.”
We “sell” the following categories:
| Personal Data | Shared With |
|---|---|
| Identifiers | Affiliates and third parties |
| Client Records | Affiliates and third parties |
| Commercial Data | Affiliates and third parties |
| Network Activity | Affiliates and third parties |
| Inferences | Affiliates and third parties |
You may opt out of the “sale” or “sharing” of your data at any time by visiting our Do Not Sell or Share My Personal Information webpage. We do not knowingly sell or share data from consumers under 16 years of age.
We retain personal information only as long as necessary to fulfill the purposes outlined in this policy. When personal data is no longer needed, it is securely deleted. If you request deletion, OwlBudget will remove as much information as legally permissible and protect retained data as required.
Depending on your state of residence, you may have the right to:
Know what personal information we collect and how it’s used or shared
Access specific personal data
Request correction of inaccurate information
Request deletion of your information
Not face discrimination for exercising these rights
You can initiate a request by visiting our website or calling us. Identity verification is required.
If an authorized agent makes the request, we may request documentation proving the agent’s authority.
From time to time, we may offer financial incentives (e.g., referral bonuses, discounts, sweepstakes) that involve the collection and use of personal data. Participation is voluntary and you may opt out at any time. These incentives allow us to provide additional value to our users and grow our services. We do not assign a specific monetary value to individual consumer data.
Right to Know/Access Requests: 122
Right to Delete Requests: 336
Opt-Out of Sharing Requests: 48,406
Median Response Time: 9 days
Some companies within the OwlBudget Family of Companies are subject to GLBA and provide additional privacy notices. Please refer to the specific privacy notice for your product or service where applicable.
Effective Date: July 1, 2025
This OwlBudget Family of Companies Privacy Policy (“Privacy Policy”) describes how the OwlBudget Family of Companies (as defined in “Who We Are” below) process information collected on our websites and applications (including mobile) or through your online interactions with us (collectively, our “Services”).
In some circumstances, we may provide you with additional or supplemental privacy notices to the extent they apply to you because of the products and services you obtain from us or different laws that may apply to you. Some states may provide additional privacy rights. Please refer to the Additional Information Regarding Your State Privacy Rights section to learn more.
By using any of our Services, you acknowledge the privacy practices we describe in this Privacy Policy. You also acknowledge that you have read this policy and other policies described.
When we say “OwlBudget Family of Companies,” we mean the below listed companies inclusive of OwlBudget Limited Partnership (formerly known as “OwlBudget, LLC”), and the companies that are controlled by OwlBudget Limited Partnership and share the OwlBudget name. A reference to “OwlBudget”, “we” or “us” is a reference to the relevant commonly-branded operating company in the OwlBudget Family of Companies that is involved in the processing activity. This policy does not apply to OwlBudget affiliates that aren’t a part of the OwlBudget Family of Companies (“Affiliates”). The data practices of Affiliates are governed by their own privacy policies.
We collect information you provide to us. For example, we collect information from you when you create a OwlBudget account, fill out a form or otherwise submit content through our Services, are referred to us via one of our third-party professional partner relationships, make a purchase, communicate with us via third-party platforms, participate in a contest, promotion or survey, request customer support or information about our Services, use the chat function on our Services, or otherwise communicate with us.
The specific information we collect depends on the context in which you provide it, and could include:
We automatically collect certain information about your interactions with us or our Services, including:
We obtain information from third-party sources in certain situations. For example, we may collect information about you from identity or other verification services, credit bureaus (including your credit report), advertising networks, mailing list providers, service providers and data brokers. Our Services also may allow or require you to integrate or connect your OwlBudget account with third-party services through service providers (such as Plaid), which allows you to more easily complete your transaction with us by importing certain information, such as bank account information, directly to us rather than you having to upload it manually.
The information we receive from such third parties varies depending on the information made available by those entities. Examples of the types of information we receive include financial account information, information about account balance, information about credit accounts, information about loan accounts, information about investment accounts, identifiers and information about account owners, information about account transactions and employment information.
Additionally, if you create or log into your OwlBudget account through a third-party platform, such as Facebook or Google, we’ll have access to certain information from that platform, such as your name, birthday, and profile picture, in accordance with the authorization procedures determined by such platform.
We may derive information or draw inferences about you based on the information we collect. For example, we may make inferences about your location based on your IP address or city or postal code or infer that you are looking to purchase certain products based on information you provide to us and your browsing behavior and past purchases. We may incorporate products and services that use artificial intelligence, including large language models and machine learning, to derive this information and draw these inferences.
OwlBudget enables you to use Plaid Technologies, Inc. to gather data from financial institutions. By using the Services, you acknowledge and agree that your information will be processed in accordance with the Plaid Privacy Policy and you grant OwlBudget and Plaid the same rights, power and authority as specified therein.
We use the information we collect to provide our Services to you.
We also use the information we collect to:
We share personal information in the following circumstances or as otherwise described in this policy.
The OwlBudget Family of Companies use and share your information with each other in accordance with this OwlBudget Family of Companies Privacy Policy. This allows the OwlBudget Family of Companies to manage and provide and offer you a variety of their services through a broad lifecycle of your personal and financial needs.
OwlBudget also shares your information with our Affiliates. For example, we share, or may share, your information:
We also share aggregated or de-identified information that cannot reasonably be used to identify you.
We may share your information with third parties for various reasons, including but not limited to:
Service Providers: We share information with third-party service providers who perform services on our behalf, such as payment processing, data analysis, marketing, customer service, and email delivery. These service providers are only permitted to use your information to the extent necessary to provide these services to us.
Legal Compliance: We may disclose your information to government authorities or others if we believe in good faith that the law requires it or to protect our rights or others’ safety.
Business Transfers: If OwlBudget is involved in a merger, acquisition, or asset sale, your information may be transferred as part of that transaction.
Marketing Partners: We may share information with advertising partners to personalize ads and measure the effectiveness of ad campaigns.
We may share your information with other third parties when you give us your explicit consent to do so.
You can review and update your account information by logging into your account on our Services.
You may opt out of receiving promotional emails by following the unsubscribe instructions in those emails. You can also contact us directly to update your preferences.
Most web browsers are set to accept cookies by default, but you can usually change your browser settings to remove or reject cookies if you prefer. Please note that if you disable cookies, some parts of our Services may not function properly.
You can usually control location sharing through your device settings.
We implement reasonable technical, administrative, and physical safeguards designed to protect your information from unauthorized access, use, or disclosure. However, no security system is impenetrable, and we cannot guarantee absolute security.
We retain your personal information for as long as necessary to provide our Services, comply with our legal obligations, resolve disputes, and enforce our agreements.
Our Services are not intended for individuals under the age of 13. We do not knowingly collect personal information from children under 13 without parental consent.
OwlBudget is headquartered in the United States, and the OwlBudget Family of Companies offers goods and services to consumers in the United States. We have operations and vendors in the United States and other countries. Therefore, we and those that perform work for us may transfer your personal information to, or store or access it in, jurisdictions that may not provide levels of data protection that are equivalent to those of your home jurisdiction.
You may opt-out of promotional emails by following the unsubscribe link in email messages, or by updating your preferences with us. You also may have the right to opt-out of certain phone calls and text messages. The opt-out processes for phone calls and text messages are handled differently at each relevant OwlBudget Company in the OwlBudget Family of Companies. Please visit each website to learn more.
Our telephone calls are recorded, both by us and third-party service providers, for quality assurance purposes, as well as for fraud detection, troubleshooting, and complaint resolution. If you do not wish to have phone calls recorded, you must choose an alternative communication method, such as email.
Our website and mobile application chats are powered by AI and recorded for quality assurance by us and third parties. If you do not wish to have those chats recorded, you must close the chat function and choose an alternative communication method.
You may update and correct certain account information, or delete your account, by logging into your account or calling us at 888-444-7492. Please note that we may retain certain information as required by law or for our legitimate business purposes. For more information, please see Additional Information Regarding Your State Privacy Rights.
When you first launch any of our mobile apps that collect precise location information, or when you visit portions of our Services that collect precise location information, you’ll be asked to consent to the collection of this information. If you initially consent to our collection of such location information, you can subsequently stop the collection of this information at any time by changing the preferences on your mobile device. It is important to note that some Services may not function without precise location information. You may also stop a mobile app’s collection of location information by following the standard uninstall process to remove the app from your device.
You may be using an Internet browser that can communicate your privacy preferences to the website, including requests not to track your usage and browsing history. Our websites are configured to recognize those browser signals. If we recognize one of these signals – which may be referred to or are labeled by your browser as “do not track” or “opt-out preference” or “global preference” signals – we give you the option of submitting a request to opt-out of sale/sharing. For more information on opting out of the sale/sharing of personal information, please see Additional Information Regarding Your State Privacy Rights, below.
We use reasonable measures to protect the confidentiality and security of the personal information that you provide to us or that we otherwise collect and process.
We may change this OwlBudget Family of Companies Privacy Policy from time to time. If we make changes, we’ll notify you by revising the date at the top of this policy and, in some cases, we may provide you with additional notice, such as adding a statement to our website or sending you a notification. We encourage you to review this policy regularly to stay informed about our information practices and the choices available to you.
If you have questions regarding this OwlBudget Family of Companies Privacy Policy, our information practices or other aspects of privacy relating to our Services, call us at 888-444-7492.
Some states require that we provide additional information regarding our privacy practices and your privacy rights. States that have passed comprehensive privacy laws giving residents specific privacy rights include: California, Colorado, Connecticut, Delaware, Indiana, Iowa, Kentucky, Maryland, Minnesota, Montana, Nebraska, New Hampshire, New Jersey, Oregon, Rhode Island, Tennessee, Texas, Utah and Virginia.
Below we provide you additional notices about our privacy practices and consumer rights relating to your information. Some of the rights may depend on when the law is effective and whether you are a resident of a state with specific privacy laws, as well as other factors. Also, some of the companies within the OwlBudget Family of Companies are financial institutions subject to other regulatory privacy frameworks, such as the Gramm Leach Bliley Act (GLBA), and the privacy disclosure and rights described in this section may not apply.
In the preceding 12 months, we have collected the following categories of personal information:
|
Categories |
Examples |
|
Identifiers |
Name, alias, postal address, online identifier (including IP address), email address, Social Security number, driver’s license number, or other similar identifiers. |
|
Client Records |
Employer name, employment history, bank account number, credit card number, debit card number, and other financial information (including credit report, salary, and net worth). |
|
Protected Classification Characteristics Under State Or Federal Law |
Age, race, ethnicity, gender, military status and marital status. |
|
Commercial Information |
Records of property, products or services purchased. |
|
Internet Or Other Network Activity |
Browsing history, search history, information on a consumer’s interaction with a website, application, or advertisement. |
|
Geolocation Data |
Physical location or movements. |
|
Sensory Data |
Audio (such as call recordings) or the contents of videos you choose to upload. |
|
Professional Or Employment-Related Information |
Current employer or employment status. |
|
Inferences Drawn From Other Personal Information |
Preferences, characteristics and approximate location. |
|
Sensitive Personal Information |
Social Security Number, driver’s license, state identification card, or passport number; account log-In, financial account, debit card, or credit card number in combination with any required security or access code, password, or credentials allowing access to an account; precise geolocation; racial or ethnic origin, religious or philosophical beliefs, or union membership; the contents of a consumer’s mail, email and text messages, unless the business is the intended recipient of the communication. |
For details about the precise data points we collect and the categories of sources of such collection, please see the Information We Collect section. We collect personal information for the business and commercial purposes described in the How We Use Your Information section.
In the preceding 12 months, we’ve disclosed the following categories of personal information for business or commercial purposes to the following categories of recipients:
|
Categories of Personal Information |
Categories of Recipients |
|
Identifiers |
Partners (such as mortgage partners), advertising networks, and service providers (such as internet service providers, data analytics providers, email service providers, data storage providers, customer support providers, account management providers, operating systems and platforms). |
|
Client Records |
Partners (such as mortgage partners ), advertising networks, and service providers (such as internet service providers, data analytics providers, email service providers, data storage providers, customer support providers, account management providers, operating systems and platforms). |
|
Protected Classification Characteristics |
Service providers, Affiliates, mortgage partners, and partner companies. |
|
Commercial Information |
Partners (such as mortgage partners), advertising networks, and service providers (such as internet service providers, data analytics providers, email service providers, data storage providers, customer support providers, account management providers, operating systems and platforms). |
|
Internet Or Other Network Activity |
Advertising networks and service providers (such as internet service providers, data analytics providers, data storage providers, operating systems and platforms). |
|
Geolocation Data |
Partners and service providers. |
|
Sensory Data |
Partners and service providers. |
|
Professional Or Employment-Related Information |
Service providers and partners. |
|
Inferences Drawn From Other Personal Information |
Partners, advertising networks, and service providers (such as internet service providers, data analytics providers, email service providers, data storage providers, customer support providers, account management providers, operating systems and platforms). |
|
Sensitive Personal Information |
Partners (such as mortgage partners), advertising networks, service providers (such as internet service providers, data analytics providers, email service providers, data storage providers, customer support providers, account management providers, operating systems and platforms), affiliates, and partner companies. |
In California, you have the right to limit our processing of your Sensitive Personal Information to only uses which are necessary to perform the services or provide the goods reasonably expected by an average consumer who requests such goods or services. When we collect your Sensitive Personal Information, we collect and use that information to perform the services or provide the goods for which that information is necessary and as reasonably expected by you.
Under other state privacy laws, we are only permitted to collect certain pieces of Sensitive Personal Information after we have obtained your consent to do so. Where required, we get your agreement to collect and use Sensitive Personal Information.
State privacy laws require certain disclosures for companies that “sell” personal information pursuant to the respective state’s privacy law. Each state defines the “sale” of data differently. In some states, the “sale” of data means certain scenarios in which OwlBudget has shared personal information with third parties or Affiliates, in exchange for valuable consideration. Other states define the “sale” of data as OwlBudget exchanging personal information for monetary consideration with a non-affiliated third party. Under this definition, we do not “sell” your personal information.
Under California’s definition, we “sell” personal information to enable our Affiliates and certain third parties to use your information in accordance with their privacy policies. We “sell” the following categories of personal information to the following categories of third parties:
|
Categories of Personal Information |
Categories of Third Parties |
|
Identifiers |
Affiliate and non-affiliated third parties. |
|
Categories of Personal Information Described in Subdivision (e) Of Section 1798.80 |
Affiliate and non-affiliated third parties. |
|
Commercial Information |
Affiliate and non-affiliated third parties. |
|
Internet Or Other Network Activity |
Affiliate and non-affiliated third parties. |
|
Inferences Drawn From Other Personal Information |
Affiliate and non-affiliated third parties. |
You have the right to opt out of the “sales” described above at any time by visiting our Do Not Sell My Personal Information webpage. We do not knowingly sell or share personal information about consumers under the age of 16.
State privacy laws require that we notify you if we “Share” your personal information with third parties. “Sharing” means we make available or otherwise disclose your information to third parties for cross-context behavioral advertising. Further, “cross-context behavioral advertising” means targeting of advertising to you based on your personal information obtained from your activity across businesses, websites, apps, and services other than our Services.
Similarly, privacy laws in other states require we notify you if we use your information for Targeted Advertising. Targeted Advertising means displaying advertisements to you where the advertisement is selected based on personal information obtained from your activities over time and across nonaffiliated websites or online applications to predict your preferences or interests.
Accordingly, we “Share” your personal information with third parties for purposes of cross-contextual advertising, and we use your information for Targeted Advertising. Specifically, we share your identifiers and internet or other network activity with our advertising partners.
You have the right to opt out of “sharing” or Targeted Advertising by accessing our Do Not Sell or Share My Personal Information webpage, which is available as a link in our website footer. We also honor browser “Do Not Track” signals, as noted above.
We will not retain your personal information for longer than is reasonably necessary to carry out the purposes we disclose in this policy. Personal information will be securely deleted at the end of the applicable retention period or upon request. As described below, you may have the right to request that OwlBudget delete your personal information. When you make a request to delete your account or your personal information, OwlBudget will delete as much data as possible, but there’s some data that OwlBudget may be legally required to keep. In such cases, OwlBudget will use reasonable measures to protect the confidentiality and security of your personal information. You can make a request to delete your data here or by calling us.
Subject to certain limitations, you have the right to (1) request to know more about the categories and specific pieces of personal information we collect, use, disclose and sell, and to access your information, (2) request deletion of your personal information, (3) request correction of your personal information and (4) not be discriminated against for exercising these rights.
You may make these requests by starting a request online. You will need to provide your contact information to start a request. You will then be asked to confirm your identity through a series of verification questions.
If we receive your request from an authorized agent, we may ask for evidence that you’ve provided such agent with a power of attorney, or that the agent otherwise has valid written authority to submit requests to exercise rights on your behalf. If you’re an authorized agent seeking to make a request, please contact us as set out above.
California’s privacy law requires that we notify you if we provide you a program, benefit, or other offering, related to the collection, deletion, or sale of personal information, which it defines as a “financial incentive.” We may offer you certain financial incentives that may result in different prices, rates, or quality levels (for example, contests and referral programs). Through these offerings, consumers provide us with some personal information (e.g., names, emails, phone numbers) when they opt-in to our programs. There is no obligation to opt-in and consumers may opt-out at any time. The details of each program are contained in the program offering. We offer these programs, among other things, to enhance our relationship with you so you can enjoy more of our products/services at a lower price. We invest heavily in our marketing and brands, in part, so we can provide programs to our customers. Consumer data is valuable to our business only when it is combined with a sufficient number of other consumer data and after it is enhanced by our efforts herein described. The value to our business of any individual consumer’s personal information is dependent on a number of factors, including, for example, whether and to what extent you take advantage of any offerings, whether and to what extent you opt out of any offerings, and whether we are able to enhance the data through our efforts herein described. Our ability to create any value from the programs is heavily based on our ability to leverage said intellectual properties. We do not calculate the value of consumer data in our accounting statements.
In 2024, we received 458 consumer data requests from California consumers. This includes requests from people to know, access, or delete their data. We also received 48,406 requests from people who opted out of data sharing.
Here’s a breakdown of those consumer requests:
122 Right To Know/Access requests
336 Right To Delete requests
It’s taken us a median of 9 days to process and respond to each request.
Some companies within the OwlBudget Family of Companies are required to provide an additional Privacy Notice under the Gramm-Leach-Bliley Act. For convenience, these notices are provided below.
OwlBudget Loans
OwlBudget Money
OwlBudget Mortgage
OwlBudget Card