Here's the legal stuff
It's a dry read but you should look it over
Terms of Service
ChangEd App Mobile Application Terms Agreement
This ChangEd App Mobile Application Terms Agreement (“Agreement”) is a binding agreement between you (“End User” or “you”) and ChangEd LLC, an Illinois Limited Liability Company (“Company” or “we” or “us”). This Agreement governs your use of the ChangEd App, (including all related documentation, the “Application”). The Application is licensed, not sold, to you.
BY CHECKING THE CHECKBOX CONFIRMING THAT YOU HAVE READ THESE TERMS AND AGREE TO THEM, YOU (A) ACKNOWLEDGE THAT YOU HAVE READ AND UNDERSTAND THIS AGREEMENT; (B) REPRESENT THAT YOU ARE 18 YEARS OF AGE OR OLDER; AND (C) ACCEPT THIS AGREEMENT AND AGREE THAT YOU ARE LEGALLY BOUND BY ITS TERMS. IF YOU DO NOT AGREE TO THESE TERMS, DO NOT INSTALL THE APPLICATION.
You shall promptly download and install all Updates and acknowledge and agree that the Application or portions thereof may not properly operate should you fail to do so. You further agree that all Updates will be deemed part of the Application and be subject to all terms and conditions of this Agreement.
SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF OR LIMITATIONS ON IMPLIED WARRANTIES OR THE LIMITATIONS ON THE APPLICABLE STATUTORY RIGHTS OF A CONSUMER, SO SOME OR ALL OF THE ABOVE EXCLUSIONS AND LIMITATIONS MAY NOT APPLY TO YOU.
THE FOREGOING LIMITATIONS WILL APPLY WHETHER SUCH DAMAGES ARISE OUT OF BREACH OF CONTRACT, TORT (INCLUDING NEGLIGENCE) OR OTHERWISE AND REGARDLESS OF WHETHER SUCH DAMAGES WERE FORESEEABLE OR CHANGED LLC WAS ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. SOME JURISDICTIONS DO NOT ALLOW CERTAIN LIMITATIONS OF LIABILITY SO SOME OR ALL OF THE ABOVE LIMITATIONS OF LIABILITY MAY NOT APPLY TO YOU.
When you open a SynapsePay User Account, you will link a checking or savings account to perform ETF and, if applicable, deposit funds into your SynapsePay User Account. Deposits into your User Account are held by SynapsePay's financial institution partners as detailed in SynapsePay TOS. DEPOSITS HELD IN A USER ACCOUNT MAY BE ELIGIBLE INSURANCE BY THE FEDERAL DEPOSIT INSURANCE CORPORATION (“FDIC”) ON A PER USER BASIS DEPENDING ON THE RULES AND LIMITATIONS SET FORTH BY THE FDIC. FOR PURPOSES OF APPLICABLE FDIC DEPOSIT INSURANCE LIMITATIONS, DEPOSITS IN ACCOUNTS AT THE FINANCIAL INSTITUTIONAL PARTNER(S) OPENED THROUGH THE FINANCIAL INSTITUTIONAL PARTNER(S) WITH SYNAPSEPAY MAY NOT BE SEPARATELY INSURED FROM ANY OTHER ACCOUNTS YOU MAY HAVE OPENED WITH THE FINANCIAL INSTITUTIONAL PARTNER(S), DEPENDING ON THE NAMED ACCOUNT OWNERS.
All EFT transactions are performed by and deposits are held by SynapsePay financial institution partner. ChangEd LLC and SynapsePay only transmit transaction instructions to SynapsePay financial institution partner and do not hold deposits in your Synapse User Account. ChangEd LLC will provide you with all transactions notifications and User Account balances in addition to providing customer support relating to your SynapsePay User Account ad detailed below.
Transactions History and Disputes. All questions regarding ETF transactions or your Synapse User Account must be directed to [email protected] or (872) 267-1871 and not to SynapsePay or its financial institution partners. ChangEd LLC is responsible for resolving issuers and errors relating to transactions and account balances. If you wish to make a financial service complaints against ChangEd LLC, you may email [email protected].
222 W. Merchandise Mart Plaza #1212
Chicago, IL 60654
Last modified: December 7, 2016
ChangEd LLC (”Company” or “We”) respect your privacy and are committed to protecting it through our compliance with this policy. This policy describes:
This policy applies only to information we collect in this App and in email, text, and other electronic communications sent through or in connection with this App.
This policy DOES NOT apply to information that:
Our websites and apps, and these third parties may have their own privacy policies, which we encourage you to read before providing information on or through them.
Children Under the Age of 13
The App is not intended for children under 13 years of age, and we do not knowingly collect Personal Information from children under 13. If we learn we have collected or received Personal Information from a child under 13 without verification of parental consent, we will delete that information. If you believe we might have any information from or about a child under 13, please contact us at [email protected].
Information We Collect and How We Collect It
We collect information from and about users of our App:
Information You Provide to Us.
When you download, register with, or use this App, we may ask you provide information:
This information includes:
Failure to provide certain Personal Information may make it impossible for this App to provide its services. Users are responsible for any Personal Information of third parties obtained, published or shared through this App and confirm that they have the third party’s consent to provide the information to ChangEd LLC
Automatic Information Collection and Tracking.
When you download, access, and use the App, it may use technology to automatically collect:
If you do not want us to collect this information, do not download the App or register for an account through this App. For more information, see Your Choices About Our Collection, Use, and Disclosure of Your Information.
We also may use these technologies to collect information about your activities over time and across third-party websites, apps, or other online services (behavioral tracking).
Information Collection and Tracking Technologies. The technologies we use for automatic information collection may include:
Third-Party Information Collection
When you use the App or its content, certain third parties may use automatic information collection technologies to collect information about you or your device. These third parties include:
These third parties may use tracking technologies to collect information about you when you use this app. The information they collect may be associated with your Personal Information or they may collect information, including Personal Information, about your online activities over time and across different websites, apps, and other online services websites. They may use this information to provide you with interest-based (behavioral) advertising or other targeted content.
We do not control these third parties’ tracking technologies or how they may be used. If you have any questions about an advertisement or other targeted content, you should contact the responsible provider directly. For information about receiving targeted advertising from many providers, see Your Choices About Our Collection, Use, and Disclosure of Your Information.
Facebook permissions asked by this App
The following Facebook permissions are asked:
How We Use Your Information
We use information that we collect about you or that you provide to us, including any Personal Information, for:
The usage information we collect helps us to improve our App and to deliver a better and more personalized experience by enabling us to:
We may also use your information to contact you about our own and third parties’ goods and services that may be of interest to you.
We may use the information we collect to display advertisements to our advertisers’ target audiences. Even though we do not disclose your Personal Information for these purposes without your consent, if you click on or otherwise interact with an advertisement, the advertiser may assume that you meet its target criteria.
Detailed Third-Party Usage and Information Processing
Access to third party services’ accounts.
This type of service allows this App to access Data from your account on a third party service and perform actions with it. These services are not activated automatically, but require explicit authorization by you.
Access to the Facebook account (This App): This service allows this App to connect with the User's account on the Facebook social network, provided by Facebook, Inc.
Access to the Twitter account (Twitter, Inc.): This service allows this App to connect with the your account on the Twitter social network, provided by Twitter, Inc.
Google AdSense (Google Inc.). Google AdSense is an advertising service provided by Google Inc. This service uses the “Doubleclick” Cookie, which tracks use of this App and user behavior concerning ads, products and services
offered. Users may decide to disable all the Doubleclick Cookies by clicking on: http://www.google.com/settings/ads/onweb/optout/
The services contained in this section enable us to monitor and analyze web traffic and can be used to keep track of user behavior.
TestFlight (Burstly, Inc.). TestFlight is an analytics service provided by Apple Inc.
Analytics collected directly (This App). This App uses an internal analytics system that does not involve third parties.
Facebook Ads conversion tracking (Facebook, Inc.). Facebook Ads conversion tracking is an analytics service provided by Facebook, Inc. that connects data from the Facebook advertising network with actions performed on this App.
Facebook Analytics for Apps (Facebook, Inc.). Facebook Analytics for Apps is an analytics service provided by
Google Analytics (Google Inc.). Google Analytics is a web analysis service provided by Google Inc. (“Google”). Google utilizes the Data collected to track and examine the use of this App, to prepare reports on its activities and share them with other Google services. Google may use the Data collected to contextualize and personalize the
ads of its own advertising network.
Hotjar Form Analysis & Conversion Funnels (Hotjar Ltd.). Hotjar is an analytics service provided by Hotjar Ltd. Hotjar honors generic Do Not Track headers. This means your browser can tell its script not to collect any of your data. This is a setting that is available in all major browsers. Find Hotjar’s opt-out information here.
KISSmetrics (KISSmetrics). KISSmetrics is an analytics service provided by Kissmetrics Inc.
Contacting the User
Contact form (This App). By filling in the contact form with their Data, the User authorizes this App to use these details to reply to requests for information, quotes or any other kind of request as indicated by the form’s header. Personal Information collected: address, city, country, date of birth, email address, first name, last name, phone number, state, User ID, various types of Data and ZIP/Postal code.
Phone contact (This App). Users that provided their phone number might be contacted for commercial or promotional purposes related to this App, as well as for fulfilling support requests.
Personal Information collected: phone number.
Mailing list or newsletter (This App). By registering on the mailing list or for the newsletter, the User’s email address will be added to the contact list of those who may receive email messages containing information of commercial or promotional nature concerning this App. Your email address might also be added to this list as a result of signing up to this App or after making a purchase.
Displaying content from external platforms
This type of service allows you to view content hosted on external platforms directly from the pages of this App and interact with them. This type of service might still collect web traffic data for the pages where the service is installed, even when Users do not use it.
Google Fonts (Google Inc.) Google Fonts is a typeface visualization service provided by Google Inc. that allows this App to incorporate content of this kind on its pages.
Google Calendar widget (Google Inc.). Google Calendar widget is a calendar content visualization service provided by Google Inc. that allows this App to incorporate content of this kind on its pages.
Instagram widget (Instagram, Inc.). Instagram is an image visualization service provided by Instagram, Inc.
that allows this App to incorporate content of this kind on its pages.
Payment processing services enable this App to process payments by credit card, bank transfer or other means. To ensure greater security, this App shares only the information necessary to execute the transaction with the financial intermediaries handling the transaction. Some of these services may also enable the sending of timed messages to the User, such as emails containing invoices or notifications concerning the payment.
Synapse Payments (Synapse Payments, LLC). Synapse Payments is a payment service provided by Synapse Payments.
Plaid Technologies, Inc. Plaid gathers your data from financial institutions and works on your behalf to access and transmit your personal and financial information from the relevant financial institution.
Heat mapping and session recording
Heat Mapping services are used to display the areas of a page where Users most frequently move the mouse or click. This shows where the points of interest are. These services make it possible to monitor and analyze web traffic and keep track of User behavior. Some of these services may record sessions and make them available for later visual playback.
Hotjar Heat Maps & Recordings (Hotjar Ltd.). Hotjar is a session recording and heat mapping service provided by Hotjar Ltd. Hotjar honors generic “Do Not Track” headers. This means the browser can tell its script not to collect any of the User's data. This is a setting that is available in all major browsers. Find Hotjar’s opt-out information here.
Hosting and backend infrastructure
This type of service has the purpose of hosting data and files that enable this App to run and be distributed as well as to provide a ready-made infrastructure to run specific features or parts of this App. Some of these services work through geographically distributed servers, making it difficult to determine the actual location where the Personal Information are stored.
Firebase (Firebase, Inc.). Firebase is a hosting and backend service provided by Google Inc.
Interaction with data collection platforms and other third parties
This type of service allows users to interact with data collection platforms or other services directly from the pages of this App for the purpose of saving and reusing data. If one of these services is installed, it may collect browsing and usage data in the pages where it is installed, even if users do not actively use the service.
Hotjar Recruit User Testers (Hotjar Ltd.). The Hotjar Recruit User Testers widget is a service for interacting with the Hotjar data collection platform provided by Hotjar Ltd. Hotjar honors generic “Do Not Track” headers. This means the browser can tell its script not to collect any of the User's data. This is a setting that is available in all major browsers. Find Hotjar’s opt-out information here.
Interaction with external social networks and platforms
This type of service allows interaction with social networks or other external platforms directly from the pages of this App. The interaction and information obtained through this App are always subject to the User’s privacy settings for each social network. This type of service might still collect traffic data for the pages where the service is installed, even when Users do not use it.
Buffer button and social widgets (Buffer). The Buffer button and social widgets are services allowing interaction with the Buffer service provided by Buffer, Inc.
LinkedIn button and social widgets (LinkedIn Corporation)
The LinkedIn button and social widgets are services allowing interaction with the LinkedIn social network provided by LinkedIn Corporation.
Twitter Tweet button and social widgets (Twitter, Inc.). The Twitter Tweet button and social widgets are services allowing interaction with the Twitter social network provided by Twitter, Inc.
Managing contacts and sending messages
This type of service makes it possible to manage a database of email contacts, phone contacts or any other contact information to communicate with the User.
These services may also collect data concerning the date and time when the message was viewed by the User, as well as when the User interacted with it, such as by clicking on links included in the message.
GetResponse (Implix Sp. z o.o.). GetResponse is an email address management and message sending service provided by Implix Sp. z o.o.
MailChimp (The Rocket Science Group, LLC.). MailChimp is an email address management and message sending service provided by The Rocket Science Group, LLC.
Managing landing and invitation pages
This type of service helps with building and managing landing and invitation pages, i.e., pages for presenting a product or service, where you may add your contact information such as an email address. Managing these pages means that these services will handle the Personal Information collected through the pages, including usage Data.
Instapage (Instapage, Inc.)
Instapage is a landing page management service provided by Instapage, Inc., that allows this App to collect the email addresses of Users interested in its service. Instapage allows the Owner to track and analyze the User response concerning web traffic or behavior regarding changes to the structure, text or any other component of the created landing pages.
Unbounce (Unbounce Marketing Solutions Inc.). Unbounce is a landing page management service provided by Unbounce Marketing Solutions Inc., that allows this App to collect the email addresses of Users interested in its service. Unbounce allows the Owner to track and analyze the User response concerning web traffic or behavior regarding changes to the structure, text or any other component of the created landing pages.
Registration and authentication
By registering or authenticating, Users allow this App to identify them and give them access to dedicated services. Depending on what is described below, third parties may provide registration and authentication services. In this case, this App will be able to access some Data, stored by these third party services, for registration or identification purposes.
Facebook Authentication (Facebook, Inc.). Facebook Authentication is a registration and authentication service
provided by Facebook, Inc. and is connected to the Facebook social network.
Twitter OAuth (Twitter, Inc.). Twitter Oauth is a registration and authentication service provided by Twitter, Inc. and is connected to the Twitter social network.
Remarketing and behavioral targeting
This type of service allows this App and its partners to inform, optimize and serve advertising based on past use of this App by the User. This activity is performed by tracking Usage Data and by using Cookies,
information that is transferred to the partners that manage the remarketing and behavioral targeting activity.
AdRoll (Semantic Sugar, Inc.). AdRoll is an advertising service provided by Semantic Sugar, Inc.
AdWords Remarketing (Google Inc.). AdWords Remarketing is a Remarketing and Behavioral Targeting service
provided by Google Inc. that connects the activity of this App with the Adwords advertising network and the Doubleclick Cookie.
Facebook Custom Audience (Facebook, Inc.). Facebook Custom Audience is a Remarketing and Behavioral Targeting service provided by Facebook, Inc. that connects the activity of this App with the Facebook advertising network.
Facebook Remarketing (Facebook, Inc.). Facebook Remarketing is a Remarketing and Behavioral Targeting service provided by Facebook, Inc. that connects the activity of this App with the Facebook advertising network.
User database management
This type of service allows the Owner to build user profiles by starting from an email address, a personal name, or other information that the User provides to this App, as well as to track User activities through analytics features. This Personal Information may also be matched with publicly available information about the User (such as social networks' profiles) and used to build private profiles that the Owner can display and use for improving this App.
Some of these services may also enable the sending of timed messages to the User, such as emails based on specific actions performed on this App.
ActiveCampaign (ActiveCampaign, Inc.). ActiveCampaign is a User database management service provided by ActiveCampaign, Inc.
Additional information about Information collection and processing
Legal action. The User’s Personal Information may be used for legal purposes by ChangEd LLC, in Court or in the stages leading to possible legal action arising from improper use of this App or the related services. The User declares to be aware that the ChangEd LLC may be required to reveal Personal Information upon request of public authorities.
System logs and maintenance. For operation and maintenance purposes, this App and any third party services may collect files that record interaction with this App (System logs) or use for this purpose other Personal Information (such as IP Address).
Information not contained in this policy. More details concerning the collection or processing of Personal Information may be requested from ChangEd LLC at any time. Please see the contact information at the end of this document.
The rights of Users. Users have the right, at any time, to know whether their Personal Information has been stored and can consult ChangEd LLC to learn about their contents and origin, to verify their accuracy or to ask for them to be supplemented, cancelled, updated or corrected, or for their transformation into anonymous format or to block any data held in violation of the law, as well as to oppose their treatment for any and all legitimate reasons. Requests should be sent to the Data Controller at the contact information set out above.
This App does not support “Do Not Track” requests. To determine whether any of the third party services it uses honor the “Do Not Track” requests, please read their privacy policies.
Disclosure of Your Information
We may disclose aggregated information about our users, and information that does not identify any individual or device, without restriction.
In addition, we may disclose Personal Information that we collect or you provide:
Your Choices About Our Collection, Use, and Disclosure of Your Information
We strive to provide you with choices regarding the Personal Information you provide to us. This section describes mechanisms we provide for you to control certain uses and disclosures of over your information.
We do not control third parties’ collection or use of your information to serve interest-based advertising. However these third parties may provide you with ways to choose not to have your information collected or used in this way. You can opt out of receiving targeted ads from members of the Network Advertising Initiative (”NAI”) on the NAI’s website.
Accessing and Correcting Your Personal Information
You can review and change your Personal Information by logging into the App and visiting your account profile page.
You may also send us an email at [email protected] to request access to, correct, or delete any Personal Information that you have provided to us. We cannot delete your Personal Information except by also deleting your user account. We may not accommodate a request to change information if we believe the change would violate any law or legal requirement or cause the information to be incorrect.
Your California Privacy Rights
California Civil Code Section 1798.83 permits users of our App that are California residents to request certain information regarding our disclosure of Personal Information to third parties for their direct marketing purposes. To make such a request, please send an email to [email protected]
We have implemented measures designed to secure your Personal Information from accidental loss and from unauthorized access, use, alteration, and disclosure. All information you provide to us is stored on our secure servers behind firewalls. Any payment transactions and information relating to financial transactions will be encrypted using SSL technology.
The safety and security of your information also depends on you. Where we have given you (or where you have chosen) a password for access to certain parts of our App, you are responsible for keeping this password confidential. We ask you not to share your password with anyone.
We process your Personal Information in a proper manner and will take appropriate security measures to prevent unauthorized access, disclosure, modification, or unauthorized destruction of that information. Information processing is carried out using computers and/or IT enabled tools, following organizational procedures and modes strictly related to the purposes indicated. In addition to ChangEd LLC, in some cases, the information may be accessible to certain types of persons in charge, involved with the operation of the site (administration, sales, marketing, legal, system administration) or external parties (such as third party technical service providers, mail carriers, hosting providers, IT companies, communications agencies) appointed, if necessary, by us as Information Processors. The updated list of these parties may be requested from the Data Controller at any time.
Your Personal Information is processed at our operating offices and in any other places where the parties involved with the processing are located. For further information, please contact ChangEd LLC at [email protected].
Your Personal Information is kept for the time necessary to provide the service requested by the you, or stated by the purposes outlined in this document. You can always close your account and request that we suspend or remove the data.
Unfortunately, the transmission of information via the internet and mobile platforms is not completely secure. Although we do our best to protect your Personal Information, we cannot guarantee the security of your Personal Information transmitted through our App. Any transmission of Personal Information is at your own risk. We are not responsible for circumvention of any privacy settings or security measures we provide.
Additional Definitions and Legal References
“Personal Information” (or “Information”). Any information regarding a natural person, a legal person, an institution or an association, which is, or can be, identified, even indirectly, by reference to any other information, including a personal identification number.
“Usage Data” Information collected automatically from this App (or third party services employed in this App), which can include: the IP addresses or domain names of the computers utilized by the Users who use this App, the URI addresses (Uniform Resource Identifier), the time of the request, the method utilized to submit the request to the server, the size of the file received in response, the numerical code indicating the status of the server's answer (successful outcome, error, etc.), the country of origin, the features of the browser and the operating system utilized by the User, the various time details per visit (e.g., the time spent on each page within the App) and the details about the path followed within the App with special reference to the sequence of pages visited, and other parameters about the device operating system and/or the User’s IT environment.
“User” The individual using this App, which must coincide with or be authorized by the Information Subject, to whom the Personal Information refers.
“Information Subject” The legal or natural person to whom the Personal Information refers.
222 W. Merchandise Mart Plaza #1212
Chicago, IL 60654