Last updated: July 23, 2024
We take your privacy very seriously. This Privacy Policy (“Privacy Policy”) is meant to help you understand how Binkey, Inc. (“Binkey,”“we,” or “us”) collects and processes your information and data in connection with the products and services we offer (each, a “Service”).
Please read our Privacy Policy carefully before indicating your acceptance and check the current Privacy Policy each time you use aService, as it may change over time. Accessing or using a Service indicates that you accept and agree to be bound by the version of this Privacy Policy displayed to you at that time. If you do not accept this Privacy Policy, do not access or use the Service. You acknowledge that (a) you have read and understood this Privacy Policy; and (b) this Privacy Policy shall have the same force and effect as a signed agreement.
The Services are operated by Binkey, Inc., 712 H St. NE,Suite 1382 Washington, DC 20002. This Privacy Policy describes the information collected through your use of the Services, how we use it, how we share it, how we protect it, and choices you can make about your information.
Information From the Services. We may collect information about you when you use a Service, contact or interact with us, or voluntarily provide us with comments and other content in connection with using the Services.
The Services provide a way for you to aggregate and analyze your receipt and purchase data through connecting to third-party accounts (“Third-Party Accounts”) with a email message, checkout screen, mobile or web application or service (“Partner Application”) that is used by you and operated by our business partner or our business partner’s customer (“Partner”). The specific information Binkey collects varies byService and the Partner’s requirements. Some of this information may be personal information. We collect information that could be used to identify you(“Personal Data”).
Account Creation and Profile Information.We collect personal information that you provide when you register for an account. This information may include your name, email address, health plan, phone number, shipping and billing addresses, as well as optional information you may provide to us like your birthday (day and month). Once you create an account, you are also able to update your account information, such as your name, phone number, email address and can choose to link/unlink your health benefit account card, credit card or debit card from Binkey. We use this information to administer your account, provide you with the relevant services and information, including as it relates to managing the store credits earned from merchant purchases, communicate withy ou regarding your account or the Service, and for customer support purposes.
When you use Binkey Rewind or Binkey Bursements, you authorize Binkey to access your Third-Party Accounts, we may collect authentication information for the Third-Party Account, such as your username, password, security token, security questions, security answers, social security number, address and one-time passcode. When providing this information, you give Binkey the authority to act on your behalf to access, modify and transmit your Personal Data. We also may collect your account information (such as your account and bank routing number) to help you authorize the reimbursed funds as agreed to with the Partner. We may also retrieve purchase data such as receipts, purchase history, order history, and explanation of benefits. If you choose to allow us access to third-party email providers (such as your Gmail account), we also collect information associated with your email account, including contact information, information about your purchases and the content of your email communications. We use this information to provide our Service, mainly to identify purchases and manage store credits earned from merchant purchases.
Financial information: When you create your account, we ask you to connect your health benefit account card, credit card or debit card (“Payment Method”) to your account, which is then used to make a purchase through one of our authorized merchants. When you use Binkey Pay or the disbursements feature in Binkey Bursements, Binkey Rewind, or Binkey Vision, we may collect your credit or debit payment card information such as PAN, expiration date, CVV/CVC, and billing address (street address, city, state, zip), or your ACH transfer information (such as bank account number, ABA routing number, account type, and optionally account title).
Health Benefit Account, Debit or Credit Card Information: When you choose to make a purchase by linking your health benefit account, debit or credit card, we use a third-party provider to process your payments. All such information is provided directly to our third-party payment processor, or, where your purchase is made directly with the authorized merchant, to the merchant’s third-party processor as if you’d paid with your credit card on the merchant’s site. The payment processor’s use of your personal information is governed by their privacy notice. Please review each processor’s privacy notice to understand how they will manage or otherwise process your personal information, including your financial data.
When you use the claim filing and disbursements features in Binkey Bursements, Binkey Rewind, or Binkey Vision, we may supply your identity and/or that of dependents or authorized secondary account holders on a health plan, we may collect your health benefit information (account type, balance, statement, transactions, benefit/program information, eligibility, identity, and coverage information).
When you check on the status of your claim with Binkey Rewind or Binkey Bursements, we may contact your Plan to check on the status of your claim. We may collect relevant personal information to make such calls on your behalf.
When you authorize Binkey to link your account from a “Third Party Account”, we may supply or update the bank account to which your reimbursement is credited, we may collect your account number, routing number, account type, reimbursement type, reimbursement amount, and recent account activity.
Purchase information: We obtain information about your purchases with merchants, including when you upload a receipt to the Services. This information may include items purchased, amount of purchase, location of purchase and timestamp. We use this information to administer and facilitate our services, manage the store credits you have received from each of your purchases through one of our authorized merchants and facilitate payments and reimbursements.
Communications: If you communicate with us through any paper or electronic form, we may collect your name, email address, mailing address, phone number, the contents of your communication with us, or any other personal information you choose to provide to us. We use this information to investigate and respond to your inquiries, and to communicate with you, to enhance the services we offer to our users and to manage and grow our organization.
Marketing Emails: We may use your email address and applicable interests and communication preferences to manage our communications with you and send you regular updates about the Service, as well as information about products and services we think may be of interest to you.If you wish to stop receiving promotional email messages from us, please follow the instructions within our messages and review the Your Choices Regarding Your Information section below.
User Testimonials and Feedback: We receive testimonials and comments from users who have used our Services. If we choose to publish this content, we may identify our users by their first and last initial and may also indicate their home city with the user’s consent. We may share your feedback with your first name and last initial only. If you make any comments on a blog or forum associated with our Site, you should be aware that any Personal Information you submit there can be read, collected, or used by other users of these forums, and could be used to send you unsolicited messages. We are not responsible for the Personal Information you choose to submit in these blogs and forums.
Anonymous Data: We may create Anonymous Data records from personal information that has been aggregated with information from other users or otherwise de-identified in a manner that does not allow such data about you to be separated from the aggregate data and identified as originating from you. We use this Anonymous Data to analyze request and usage patterns so that we may enhance the content of our Services and improve Site navigation. We reserve the right to use Anonymous Data and aggregated and other de-identified information for any purpose and disclose Anonymous Data to third parties, including partners, sponsors and advertisers, in our sole discretion. We may also use such Anonymous Data for research purposes.
Other: We may also collect your personal information at other points on our Site, where it states that we are collecting personal information.
Information From Third Parties: We may collect information, including personal information, about you from third-party sources when you use a Service. When you use the Service, you authorize us to collect information from your designated retail account providers, health plan, benefit administrator, financial institution, merchant, service provider, or other third party with which you do business, or from the technology companies and digital platforms providing services to any of them. We may also make available to you financial products or services provided by third parties (“Third Party Financial Products”) which you may obtain using the funds paid to you in connection with such claims. Your access and use of such ThirdParty Financial Products will be subject to the terms and conditions of the applicable provider of such Third Party Financial Products. If the services of Plaid are used to process payments, you agree to abide by the End User ServicesAgreement of Plaid, available at https://plaid.com/legal/#end-user-services-agreement-us, and agree to the privacy policy of Plaid, available at https://plaid.com/legal/#end-user-privacy-policy. You agree to your personal and financial information being transferred, stored, and processed by Finicity in accordance with the Finicity’s Privacy Policy.
Information From Your Device: We automatically collect information from you as a user of our Services, including your IP address, the Service features you use and the time of your use, your device information (e.g., device model and operating system version), which we de-identify, and other aggregated information that cannot be used to specifically identify you when you use the Services.
We may combine any or all of the information we collect and use it in the manner described in this PrivacyPolicy.
We use the information that we collect for several purposes, including:
As explained elsewhere in this PrivacyPolicy, personal information we collect may be processed by our business partners to provide services related to the Service (such as administration services, technical services relating to the maintenance, servicing, and upgrading of software, hosting services, customer service, data migration services, and analytical services, among others).
Information may be disclosed to third parties in accordance with our Privacy Policy.
With Our Service Providers for our Everyday Business Purposes: We share personal information with third party service providers who perform services on our behalf, which are subject to reasonable confidentiality terms, and may include processing payments, providing web hosting services, technology support providers, email communications providers, analytics providers, data storage providers, and web and video hosting providers and developers.
With Our Authorized Merchants: We may disclose personal information related to your transaction to our authorized merchants from whom you have previously purchased for transactional and marketing purposes, including to promote their products or services. For example, we may share information with a merchant you have previously made a purchase from such as information about the owner of the credit and information about the credit, such as name, email address, phone number, credit amount, credit expiration date, and date the credit was issued.
With Health Benefit Providers: We may disclose personal information relating to your account and transactions to your health benefit provider and benefit program sponsor, including to facilitate the movement of funds and for reimbursement purposes.
With Our Other Business Partners: We may also disclose personal information with other business partners, including those with whom we jointly offer products or services. In such cases where we jointly offer products or services, our business partner’s name will appear along with ours.
Within Binkey: We may share within Binkey, and other companies owned by or under common ownership as Binkey. These companies will use your personal information in the same way as we can under this Privacy Notice.
In the Event of a Corporate Transaction: We may transfer any information we collect in the event we sell or transfer all or a portion of our business or assets (including any shares in the company) or any portion or combination of our products, services, businesses and/or assets. Should such a transaction occur (whether a divestiture, merger, acquisition, bankruptcy, dissolution, reorganization, liquidation, or similar transaction or proceeding), we will use reasonable efforts to ensure that any transferred information is treated in a manner consistent with this Privacy Notice.
Investigations and Law: We may disclose information about you to third parties if we believe that such disclosure is necessary to:
With Your Consent: We may disclose your information publicly or with another third party with your prior authorization.
Aggregated or Anonymized Format: We may also share your information with others in an aggregated or otherwise anonymized form that does not reasonably identify you directly as an individual.
We implement a variety of security measures to help protect your personal information when you enter, submit, or access your personal information.
We maintain a comprehensive written information security program aimed at protecting the security, integrity, availability, resilience, and confidentiality of personal information that we collect, and that meets generally accepted industry standards. We additionally use industry-standard encryption tools, and we have implemented measures to protect the security and confidentiality of encryption keys associated with encrypted information. We also maintain physical access controls that secure relevant equipment and hardware used in connection with processing personal information, including an access control system that enables us to monitor and control physical access to our facilities. We also implement controls to limit access to personal information. We abide by the “principle of least privilege,”pursuant to which we permit access to personal information by our personnel solely on a need-to-know basis.
We also adhere to technical, administrative, and physical safeguards designed to ensure that your data is handled in a HIPAA compliant manner where required.
While we take reasonable measures to protect personal information against loss, theft, and unauthorized use, disclosure, or modification, we cannot guarantee its absolute security. No Internet, email, or mobile application transmission is ever fully secure or error free. Email and other messages sent through the Service may not be secure. You should use caution whenever submitting information on the Internet, including through theServices, and take special care in deciding with which information you provide us. WE ASSUME NO LIABILITY FOR DISCLOSURE OF YOUR INFORMATION DUE TO TRANSMISSION ERRORS, THIRD-PARTY ACCESS, OR CAUSES BEYOND OUR CONTROL.
The Services are intended to be used in the United States. If you use our Services outside of the United States, you consent to having your data transferred to the United States.
Except as otherwise permitted or required by applicable law or regulation, we may retain your information, or a portion thereof, for as long as you use the Services and for a reasonable time thereafter. We may maintain anonymized or aggregated data, including usage data, for analytics purposes. We may retain and use your information as necessary to comply with our legal obligations, resolve disputes, and/or for the period required by laws in applicable jurisdictions. Please note that some or all of the information we have collected may be required for the Service to function properly.
This Privacy Policy applies only to our Services. The Services may contain links to other websites or apps, may display the logos and trademarks of the account provider, or may forward users to other websites or apps that we may not own or operate and to which this Privacy Policy does not apply. The use of links and third-party logos and trademarks does not imply that we endorse or have reviewed these websites or apps, or that we are affiliated with, sponsored by, or endorsed by their account providers.The policies and procedures we describe in this Privacy Policy do not apply to these websites or apps. We cannot control and are not responsible for their privacy practices or content, and all rights in the providers’ logos and trademarks remain solely and exclusively with their respective owners. The logos and trademarks are used only to factually identify websites or apps that are compatible with the Services. We suggest contacting these providers directly for information on their privacy policies. Nonetheless, we seek to protect the integrity of our Services and welcome any feedback about these linked websites.
In those cases where we store your personal information, if you would like to change or update your information, you may email us at info@binkey.com.
Email Communications: From time to time, we may send you emails regarding updates to our Service, products or services, notices about our organization, or marketing information about products/services we offer (or promotional offers from third parties) that we think may be of interest to you. If you wish to unsubscribe from such emails, simply click the “unsubscribe link” provided at the bottom of the email communication. Note that you cannot unsubscribe from certain services-related email communications (e.g., account verification, confirmations of transactions, technical or legal notices).
Modifying Account Information: If you have an online account with us, you have the ability to modify certain information in your account (e.g., your contact information) by logging into your account and visiting the “account settings” page. You also have the ability to and can link/unlink your cards from there. If there is personal information in your User Content, you can use the features and functionality of the Service to edit or delete the personal information or User Content. Not all personal information is maintained in a format that you can access or change. If you would like to request access to, or correction or deletion of personal information, you may send your request to us at the email provided below. We will review your request, and may require you to provide additional information to identify yourself, but we do not promise that we will be able to satisfy your request in all circumstances.
Closing or Deleting Your Account: If you would like to close your account and delete your information, you may send your request to us at info@joinbinkey.com. Please note that in some instances we may retain certain information to the extent required or permitted by law. If you have any outstanding balances, you will not be able to close your account until these balances are paid off.
Cookies and Other Tracking TechnologiesOpt-Out: As noted above, depending on your browser or mobile device, you may be able to set your browser to delete or notify you of cookies and other tracking technology by actively managing the settings on your browser or mobile device.If you would prefer not to accept cookies, most browsers will allow you to: (i) change your browser settings to notify you when you receive a cookie, which lets you choose whether or not to accept it; (ii) disable existing cookies; or(iii) set your browser to automatically reject cookies. Please note that doing so may negatively impact your experience using the sites, as some features and services on our sites may not work properly. Depending on your mobile device and operating system, you may not be able to delete or block all cookies. You may also set your email options to prevent the automatic downloading of images that may contain technologies that would allow us to know whether you have accessed our email and performed certain functions with it. To remove the token stored on your browser, you may clear your browser cache.
Interest-Based Advertising: To learn more about interest-based advertising and how you may be able to opt-out of some of this advertising, you may wish to visit the Digital Advertising Alliance’s (DAA) resources and/or the Network Advertising Initiative’s (NAI) online resources, at www.aboutads.info/choices or http://www.networkadvertising.org/choices/ and you can opt-out of receiving some interest-based advertisements on mobile apps by visiting http://www.aboutads.info/appchoices. You may also be able to limit interest-based advertising through the settings menu on your mobile device by selecting “limit ad tracking” (iOS) or “opt-out of interest-based ads”(Android). Please note that when you opt out of receiving interest-based advertisements, this does not mean you will no longer see advertisements from us or on our online services. It means that the online ads that you do see fromDAA program participants should not be based on your interests. We are not responsible for the effectiveness of, or compliance with, any third-parties’ opt-out options or programs or the accuracy of their statements regarding theirprograms. In addition, third parties may still use cookies to collect information about your use of our online services, including for analytics and fraud prevention as well as any other purpose permitted under the DAA’s Principles.
Google Analytics and Advertising: You may control your advertising preferences or opt-out of certain Google advertising products by visiting the Google Ads Preferences Manager, currently available at https://google.com/ads/preferences, or by visiting NAI’s online resources at http://www.networkadvertising.org/choices.
California - Your California Privacy Rights: If you are a California resident, California Civil Code Section 1798.83 permits you to request information regarding the disclosure of personal information to third parties for their direct marketing purposes during the immediately preceding calendar year. To opt out of having your information shared in this manner, please email us at info@joinbinkey.com.
Nevada: Chapter 603A of the Nevada Revised Statutes permits a Nevada resident to opt out of future sales of certain covered information that a website operator has collected or will collect about the resident. To submit such a request, please contact us at info@joinbinkey.com.
Our services are not intended for children under the age of 13. We do not knowingly solicit or collect personal information from children under the age of 13. If we learn that any personal information has been collected inadvertently from a child under 13, we will delete the information as soon as possible. If you believe that we might have collected information from a child under 13, please contact us at info@joinbinkey.com.
We reserve the right to change this Privacy Policy from time to time without prior notice. If we materially change this Privacy Policy, we will let you know by posting an updated Privacy Policy that will be shown to you the next time you use our Service.
Please feel free to contact us by email at info@binkey.com, or by writing to us at Binkey,Inc., 712 H St. NE, Suite 1382 Washington, DC 20002, if you have any questions about this Privacy Policy or to ask about your privacy choices.
Get in touch with our team today to see how Binkey can help you grow your business and delight your customers.
