Our websites, like www.nudgemoney.com and www.nudge.solutions.

Our apps, like the Nudge Money app.

Our pages or ads on social media networks, like our LinkedIn and Instagram pages.

Anywhere we gather information from you and refer you to this Privacy Policy.

How we handle information about you depends on which Nudge, Inc. you use — and how you use them. For example, we use different information about free subscribers and premium subscribers.

Be aware that certain Nudge, Inc. work differently. Some have additional terms that supplement this policy.

1. What Information Do We Gather about You?

The information we gather about you depends on the context. By and large, it’s information about you that can personally identify you — either on its own or when combined with other information.

The following describes the information we collect and how we obtain it.

1. (A) Information Collected through Nudge, Inc.

i. Information You Voluntarily Give Us

For Registration:
When you sign up for a Nudge, Inc. Service (e.g., a subscription), we collect your contact information and account credentials. Once you’re registered, we assign you a unique ID number. This ID number helps us recognize you when you’re signed in.

For Billing:
To process payments or donations, we collect and use your payment information. This can include your name, your address, your telephone number, your email address, your credit or debit card information and any other relevant information.

For User-Generated Content:
We offer you the ability to post content that other users can read (e.g., comments). Anyone can read, collect and use any personal information that accompanies your posts. See the Comments F.A.Q., or read the User-Generated Content section in our Terms of Service for more information.

We do not have to publish any of your content. If the law requires us to take down, remove or edit your personal information, we will comply to the required extent.

For Reader Surveys, Research, Panels and Experience Programs:
We gather information through questionnaires, surveys and feedback programs, including demographic information like your age, ethnicity, race, or gender. We also conduct similar research for advertisers. We ask you for your consent to use this information when you participate in these programs and events.

Personal Contacts Data:
We never scan your device for your contacts or upload that data. With your consent, we do comply with your requests to collect data about your friends, family or acquaintances (e.g., Refer a Friend campaigns). This functionality is only meant for U.S. residents. By using it, you acknowledge and agree that both you and your contacts are based in the United States — and that you have everyone’s consent for us to use their contact information.

ii. Information Collected Automatically

When you use Nudge, Inc., we collect some information automatically. The technologies we use to assist with this data collection include cookies, web beacons, tags and scripts and software development kits (or SDKs). We use these technologies on our digital properties, including our websites and apps, as well as in our email communications.

The categories of personal information we collect automatically include:

Identifiers and Device Information:
When you visit our Services, including our websites, apps, and email communications, our servers automatically log information about the device you are using, including unique identifiers. If your browser doesn’t accept our cookies or similar technologies, you can’t access certain parts of our websites (e.g., your account). The items we log include:

• Your IP address

• Cookie identifiers

• Your operating system and browser (e.g., type, version, and configuration)

• Your browser language

• Device identifiers (such as MAC address)

• Advertising identifiers

We combine this data with other information we collect about you.

Other Usage Data:
We collect certain internet and network activity on our Services, including our websites and apps, such as:

• The URLs of any pages you visit on our sites and apps

• The URL of the website from which you came to our sites

• How long you spent on a page

• Access times

• Other details about your use of and actions on our Services

iii. A Note about Sensitive Personal Information
We generally don’t want to gather sensitive information about you. This includes:

• Government-issued IDs (such as your driver’s license, passport or social security number)

• Your racial or ethnic origin

• Your political opinions

• Your religion or other beliefs

• Your health, biometric or genetic characteristics

• Any trade union membership

• Your sexuality (information about your sex life or sexual orientation)

• Any criminal background

• The content of your private communications (other than messages you may send to us)

However, some laws define account access information, such as a username and password, as sensitive personal information, but we collect that information only for the accounts you create directly with us and not for any other account you may have with a third party.

Finally, there are situations when we request certain of the above information, but you can decline to answer. Outside those situations, we would prefer you never share these types of information with us.

1. (B) Information We Create or Generate

We infer new information from other data we collect, including using automated means to generate information about your likely preferences or other characteristics (“inferences”).

1. (C) Information Collected from Other Sources

i. Privately Owned Databases:
Marketing, data analytic and social media-owned databases give us access to a range of information — like public data, survey data and more. This data sometimes includes your mailing address, your gender, your age, your household income and other demographic data.

ii. Social Media Platforms and Other Third-Party Services:
(Social media platforms include services like Facebook. Third-party services include services like Google.)

You can link your social media or other third-party account to a Nudge, Inc. Service. By linking the services, you authorize us to collect, store and use any information they may give us (e.g., your email address).

We also receive information from you when you interact with our pages, groups, accounts or posts on social media platforms. This includes:

• Aggregate data on our followers (e.g., age, gender and location)

• Engagement data (e.g., “likes,” comments, shares, reposts and clicks)

• Awareness data (e.g., number of impressions and reach)

• Individual users’ public profiles

2. What Do We Do with the Information We Collect about You?

We use each of the categories of personal information described above for the following business and commercial purposes. The activities below can involve outside companies, agents or contractors (“service providers”) to whom we disclose your personal information for these purposes (discussed further below in Section 3 of this Privacy Policy).

2. (A) We Provide Nudge, Inc.

• Making Nudge, Inc. available to you

• Arranging access to your account

• Providing customer service

• Responding to your inquiries, requests, suggestions or complaints

• Completing your payments and transactions

• Sending service-related messages (e.g., a change in our terms and conditions)

• Letting you take part in paid services, polls, promotions, surveys, panels, research and comments

2. (B) We Personalize Your Experience. We track your interests to personalize your experience using technology like algorithmic recommendations and machine learning. We also show you prices, promotions, products or services we believe you’ll find interesting, based on demographic and usage data.

2. (C) We Develop Products and Services, and Do Analysis. We analyze data on our users’ subscriptions, purchases and usage behaviors. This helps us make business and marketing decisions. For example, our analysis, which includes the use of technology like machine learning, lets us predict preferences and price points for our products and services. It helps us determine whether our marketing is successful. It also shows us characteristics about our subscribers, which we sometimes share in aggregate with advertisers. Google Analytics is one of the analytics providers we use.

2. (D) We Carry Out Administrative Tasks.

• For auditing

• For fraud and security monitoring

• For customer satisfaction

2. (E) We Advertise or Market Nudge, Inc. to You. We market our Nudge, Inc. to you. Sometimes we use marketing vendors to do this. We serve ads through websites, locations, platforms and services operated and owned by third parties.

2. (F) We Aggregate (or De-identify) Personal Information into Larger Findings. Sometimes we aggregate or de-identify information so that it can no longer identify you, as defined under applicable laws. This helps us better understand and represent our users.

3. To Whom Do We Disclose the Information We Gather?

3. (A) Within Nudge, Inc. Company: Our affiliates may access your information for the purposes listed here.

3. (B) With Service Providers: We work with service providers to carry out tasks like:

• Processing your payments

• Fulfilling orders

• Maintaining infrastructure

• Serving and targeting ads

• Measuring performance

• Managing research, promotions, and email distribution

3. (C) With Other Third Parties: Includes sharing for:

• Marketing on third-party sites

• Sweepstakes/promotion partners

• External payment processors

• Business reorganizations

• Legal compliance

• Public activities (e.g., RSS feeds)

4. What Are Your Rights and Choices?

You have choices over how your information is used. This includes communication preferences, access, correction, deletion, cookie/browser controls, and rights specific to your jurisdiction (e.g., Virginia, California).

4. (A) In General

• Email and text preferences

• Access, correct, or delete data

• Use Global Privacy Control (GPC)

4. (B) California Privacy Rights

• Notice at Collection

• Rights to Know, Correction and Deletion

• Do Not Sell or Share

• Limit Use of Sensitive Data

• Authorized Agents

• Non-Discrimination

• Record of Requests

• “Shine the Light” Opt-Out

• Removal for Minors

5. How Long Do You Retain Data? We retain your data as long as necessary for business, legal, or regulatory needs. Data may be de-identified instead of deleted.

6. How Do You Protect My Information? We use organizational, technological, and physical safeguards but cannot guarantee absolute security.

7. Are There Guidelines for Children? We do not knowingly collect data from children under 13. Contact us if you believe we have.

8. How Is Information Transferred Internationally? We operate in and may transfer data to the U.S. and other countries. Local law enforcement in those countries may access data.

9. What Is Our Legal Basis? In jurisdictions like the EU, data collection requires a lawful basis — consent, contract, legal obligation, or legitimate interest.

10. What about Third-Party Services? Our properties may link to or appear on third-party services. Their practices are governed by their policies, not ours.

11. How Are Changes to this Privacy Policy Communicated? We will update this page for changes. For material changes, we provide notice 30 days in advance.

12. How Can You Contact Us? Who Is the Controller of Your Personal Information? Email: privacy@nudgemoney.com Nudge, Inc. is the data controller as referenced in this policy.

13. How Can You Contact Us? Who Is the Controller of Your Personal Information? If you have any questions, email us at privacy@nudgemoney.com.

Nudge, Inc. is referred to in this Privacy Policy as “Nudge, Inc.,” “Nudge, Inc.,” “we” or “our.”