Privacy Policy

Personal Data Reference Inc. (PDR) is committed to the protection of your privacy. We understand keeping your information secure and confidential is critical to earning and keeping your trust.

We do not rent, sell or trade your personal information to anyone.

This Privacy & Security Policy establishes the specific policies and procedures we use to collect, utilize, and disclose user and/or client information provided to us through the use of our web sites, applications or other communications or with our customer service or other representatives, collectively referred to as (“Personal Data Reference Inc” or “PDR” or “we” or “us”). Together with our Terms of Use, this Privacy & Security Policy governs your use of our services.

How to Use this Policy

This policy explains how PDR gathers and uses your information in the context of each of PDR’s service offerings, including use of our personal information management application, websites, content or concierge services.  In particular, we describe how your personally identifiable information is shared and/or disclosed, how we collect and use other non-personal information and how we address other privacy and security matters – such as our overall security practices, deletion of your information upon request and opting-out of marketing communications. Lastly, we describe methods for contacting Personal Data Reference Inc., if you have privacy or security questions, comments or feedback. Contact Us

Collecting, Using & Sharing Information

How We Collect & Use Your Personal Information

“Personal Information” is your personally identifiable information such as your name, email or mailing address, phone number, account credentials or account numbers that we gather from our web sites, mobile applications, or through communications with representatives of PDR.

The types of information we collect depends on which of our services you choose to use. The following are examples of Personal Information we collect at various stages of our client relationships, each of which is based on your explicit election to register or enroll in our services, whether using our web, mobile, or concierge services.

Personal Information We Collect

  • Your name
  • Your email address
  • Your phone number
  • Other optional information you may provide, such as your birth date, your social security #, zipcode

Upon Account Aggregation (Add 3rd Party Accounts)

  • 3rd Party account information you link to our service
  • Account login credentials for your accounts you link to our service
  • Account security and/or challenge questions for your accounts

Upon submission of Customer Support or Service Requests

  • Your email address
  • Your phone number

How We May Use Your Personal Information

To allow you to Register with PDR, including:

  • Creating a PDR user account to use our personal information management service;
  • Authenticating your device to access our services;
  • Communicating to you about updated features or maintenance activities related to

providing you our services.

To allow you to Add Accounts (aggregate 3rd party data), including:

  • Securely gathering account balances, transactions and holdings from your financial institutions;
  • Displaying personalized dashboards and financial visualizations for you;
  • Providing you with contextual and relevant observations and insights;
  • Providing you with recommendations based on information you provided and/or missing information.

To provide you with Customer Support or Service:

  • Responding to and resolving your inquiries and requests via email or by phone.

To optimize systems and performance, provide comparisons and anonymous analysis:

  • Monitoring system performance for optimization
  • Publishing trends and analysis for our user such as statistical and survey data about %’s of the population without a will, for example . Personal Information is always made anonymous to remove any personally identifying information and never rented, sold or traded with anyone.

How Your Personal Information Is Shared

Except as set forth in this Privacy & Security Policy, we do not share Personal Information. We do not share your personal information for third party promotional use and we will NEVER sell, rent or trade your personal information.

We may share your Personal Information:

To conduct everyday business

  • To run our everyday business, such as encrypted transmission of your account credentials to 3rd party financial institutions or data providers of public information such as realtor.com or zillow.com and where you hold accounts to gather and maintain your account balances, transactions and holdings used to provide our services. (Read more about how we handle of your credentials securely in our Security policy)

To market to you

  • To conduct our own marketing of our products and services to you

To maintain our regulatory compliance responsibilities

  • To abide by the laws, regulations and rules by which we are governed.

Other Information We Collect From You

Other Information is any information we gather that is not Personal Information:

  • Browser information
  • Information through cookies, pixels tags

How We Collect and Use Your Other Information

We collect and utilize Other Information to optimize, secure and simplify your experience with us. Your Other Information is not disclosed or shared outside of PDR.

Other Information We Collect

  • Your Browser

Certain information is collected by most browsers,such as your “user agent string”, to help us determine your computing device type, operating system version and Internet browser type and version. We use this information to ensure that our web sites function properly and for security purposes.

  • Your Cookies (Text and Flash)

Cookies are pieces of information stored directly on the computing device you are using. Cookies we use do not contain or capture unencrypted Personal Information. Cookies allow us to collect information such as your browser type, time spent on our web sites and which of our pages you visited. We use the information for security purposes, to facilitate navigation, to display information more effectively, to personalize your experience and to recognize authorized devices to allow your use of our services. We also gather statistical information about web site usage in order to continually improve the design and functionality and to assist us with resolving technical support questions.

Additionally, we use cookies to track the effectiveness of our advertising campaigns and to collect aggregate data on web page viewing and mobile app usage. Additionally, we use cookies on our web sites and the sites on which we advertise to track advertising performance and to collect aggregate data on web page viewing. Cookies are not used to collect or disseminate any personal information. You can manage the placement of cookies on your computer through the features found in most Internet browsers. You can also delete cookies that have already been placed on your computer. Consult the “Help” function of your browser to explore your options.

  • Pixels Tags

Pixel Tags are typically deployed as 1×1 pixel images (GIFs), used to track your access to web site pages, and within and HTML-formatted email messages. We use pixel tags to measure the effectiveness of our communications, the success of our marketing campaigns, compile statistics about usage and response rates, to optimize our designs, and to assist us in resolving client questions about the use of our services.

  • Your IP Address

Your IP Address is a number assigned to the device that you are using by your Internet Service Provider. An IP Address is identified and logged whenever you visit our web sites or applications, along with the page(s) that were visited. We use IP Addresses, individually and collectively, for purposes such as calculating usage levels, helping diagnose technical problems and supporting our web sites and applications. Additionally, we use your IP Address to assist in fraud detection and authentication to better protect your security

Additional Privacy & Security Information

Security

To protect Personal Information from unauthorized access and use, we use security measures that comply with relevant laws and regulations. Beyond this Privacy Policy, we provide additional security resources for your review:

  • PDR Security Policy
  • Information Security Overview
  • Security Protections
  • Top Customer Security Questions

Updating your Personally Identifiable Information

The usefulness and relevance of our services depend on your providing us with complete, accurate and up-to-date information about yourself , your account members and your assets and liabilities, both now and in the future. By providing us with your e-mail address, you agree to receive all required notices electronically, to that e-mail address. It is your responsibility to notify us if your email address has changed.

Email Marketing Opt-out

When we communicate our own marketing offers to you, these communications are CAN-SPAM compliant, including the ability for you to opt-out of marketing communications.

Deletion/Retention of Personally Identifiable Information

When you request to be removed from our systems, we remove all your Personally Identifiable Information to the extent possible by law or regulation. For instance, all your login credentials for other accounts are removed from our systems in all cases. Some of our services are subject to regulatory requirements that dictate the information we must retain about you and for how long.

You may visit the troubleshooting section of our support web site for instructions on how to delete your PDR account.

Alternatively, you may request your PDR account to be deleted by our support department by emailing support@jazmine.com from the email address associated with your PDR account, indicating “CANCEL MY ACCOUNT” in the subject line of the message. After confirming you are the account owner we will remove Personally Identifiable information from our records and will only continue to retain such information as required by law.

Advertising

We may from time to time display advertising on our sites, particularly in our content sections.

Social Media

PDR may integrate authentication or social experiences on social media platforms such as Facebook®, Twitter®, Google Plus and LinkedIn® that enable login or online sharing and collaboration among users who have registered to use such social media platforms. Any content you post, such as pictures, information, opinions, or any Personal Information that you make available to other participants on these social platforms, is subject to the Terms of Use and Privacy Policies of those platforms. Please refer to them to better understand your rights and obligations with regard to such content.

Protecting Children’s Privacy Online

PDR is not directed to individuals under the age of thirteen (13), and we request that these individuals do not provide Personal Information through our web sites or applications. We do not knowingly collect information from children under 13 without parental consent. For more information about the Children’s Online Privacy Protection Act (COPPA), visit the Federal Trade Commission website.

Modifications to our Privacy & Security Policies

This Privacy & Security Policies may periodically change. If we make a change to this Privacy Policy that we believe materially reduces your rights, we will send you a notice by email and post these changes prominently on our web sites.

For California Residents

PDR must comply with California Financial Information Privacy Act (SB1) if the firm does business with California consumers. California state law requires financial institutions to obtain your consent prior to sharing information about you with non-affiliated third parties.

Except as permitted by law, or upon your express written consent, we will not share information we collect about you with non-affiliated third parties while you are a resident of California.

For Vermont Residents

We will not share your personal information with non-affiliates, except for our everyday business and marketing purposes, unless you agree to such sharing on a separate form that we will send you. Also, we will not share information about your creditworthiness with affiliates unless you agree to such sharing. You do not have to contact us to implement these limits on our sharing. We may share information about your transactions and experiences with affiliates for their everyday business purposes and to market to you, but you can stop them from using your information for marketing by contacting us at support @jazmine.com.

For Nevada Residents

Nevada law requires that we provide you with the following contact information: Bureau of Consumer Protection, Office of the Nevada Attorney General, 555 E. Washington St., Suite 3900, Las Vegas, NV 89101; Phone number- 702.486.3132; email: BCPINFO@ag.state.nv.us.

Privacy & Security Questions, Comments or Feedback?

Please contact us at support@jazmine.com.

Personal Data Reference, Inc.

510 Broadway, Suite 4

New York, NY 10012

Attention: Privacy & Security

Or visit www.jazmine.com

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