Privacy Policy

Policy Effective Date: December 10, 2017

A Perfect Fifth, LLC and its affiliates, welcomes you.

We respect your privacy. This privacy policy (“Privacy Policy”) relates to the information collection and use practices of A Perfect Fifth in connection with our online services (collectively, the “Services”). Our Services are available to you through a variety of platforms, including, but not limited to, www.aperfectfifth.com (the “Site”) and our mobile application, which is accessible through a variety of connected devices (the “App”). The Website and the App are collectively referred to as the “Platform.”

This Privacy Policy is written to apply to A Perfect Fifth, LLC and its affiliates.

Description of Users and Acceptance of Terms

This Privacy Policy applies to visitors to the Site and the App, who view only publicly-available content (the “Visitors”) and customers who have signed up to access and use the Services offered by A Perfect Fifth through the Platform (the “Customers”).

By visiting the Site and/or browsing the publicly accessible areas of the Site and/or the App, Visitors are acknowledging that they have read, understood, and agree to be legally bound by this Privacy Policy and our Terms of Use (the “Terms of Use”), which are hereby incorporated into this Privacy Policy and made a part hereof by reference (collectively, the “Agreement”). If you do not agree to any of the terms in the Agreement, you may not access or use the Site and/or the App.

By signing up, accessing, and/or using our Services, each Customer is agreeing to the terms of this Privacy Policy and the applicable customer agreements (the “Customer Agreements”).

Information We Collect/Receive

In the course of operating the Platform and providing the Services, we collect and/or receive the following types of information:

1. Personal Information

When you register to become a Customer, you will be asked to provide certain information such as, your name, date of birth, Tax ID number, citizenship, visa information, home address, telephone number, e-mail address, bank account number, bank routing number, bank account login credentials, bank name, employer name, employment status, job position, annual income range, and total net worth range (collectively, the “Personal Information”).

2. Nonpublic Personal Information

When you register to become a Customer, we will also collect your nonpublic personal information which means (i) any information you provide to us to obtain a financial product or service from us, (ii) any information about you resulting from any transaction involving a financial product or service between us and you, or (iii) any information we otherwise obtain about you in connection with providing a financial product or service to you (collectively, the “NPI”). NPI is a subset of Personal Information and shall be considered Personal Information under this Privacy Policy.

3. Credit & Debit Card Information

Certain features of the Services will allow you to link your credit card, debit card, and bank accounts to your A Perfect Fifth account by providing your account number, billing address and similar information (the “Credit & Debit Card Information”).

5. Transaction Information

When Customers wish to make a purchase, sale or any other transaction through the Platform, they must provide us with certain information about the transaction they are seeking to execute. Such information is collectively called the “Transaction Information.”

6. Geolocational Information

Certain features and functionalities of the Services are based on your location. In order to provide these features and functionalities while you are using a mobile device, we may, with your consent, automatically collect geolocational information from your mobile device or wireless carrier and/or certain third-party service providers. Such information is collectively called the “Geolocational Information.” Collection of such Geolocational Information occurs only when the App is running on your mobile device. You may decline to allow us to collect such Geolocational Information, in which case A Perfect Fifth will not be able to provide certain features or functionalities to you.

7. Other Information.

We may automatically collect or receive additional information regarding you and your use of our Platform, your interactions with us and our advertising, as well as information regarding your computer or other devices used to access our Platform (collectively, the “Other Information”). Such Other Information may include:

1. From Your Activity
• IP address, which may consist of a static or dynamic IP address and will sometimes point to a specific identifiable computer or device;
• Browser type and language;
• Referring and exit pages and URLs;
• Date and time;
• Details regarding your activity on the Platform, such as search queries and other performance and usage data.
2. About Your Device
• Type of device;
• Advertising Identifier (“IDFA” or “AdID”);
• Operating system and version (e.g., iOS, Android or Windows);
• Carrier; and
• Network type (WiFi, 3G, 4G, LTE).
3. From Cookies, Web Beacons, and Other Similar Techniques

In operating the Platform, we may also use data collection tools such as web beacons, pixel tags, embedded links, cookies, and other similar techniques. A cookie is a piece of information that the computer that hosts our Platform gives to your browser when you access the Platform. Our cookies help provide additional functionality to the Platform and help us analyze the Platform usage more accurately. For instance, our Platform may set a cookie on your browser that allows you to access the Platform without needing to remember and then enter a password more than once during a visit to the Platform. In all cases in which we use cookies, we will not collect Personal Information except with your permission. On most web browsers, you will find a “help” section on the toolbar. Please refer to this section for information on how to receive notification when you are receiving a new cookie and how to turn cookies off. If you do not want A Perfect Fifth to place cookies in your browser, you can opt out by setting your browser to reject cookies or to notify you when a website tries to put a cookie in your browser software. If you choose to disable cookies in your browser, you can still use the Platform, although your ability to use some of the features may be affected.

 

4. Third-Party Analytics

We may use third-party analytics services (such as Google Analytics, Mix Panel, Appboy and others) to evaluate your use of the Platform, compile reports on activity, analyze performance metrics, and collect and evaluate other information relating to the Platform and mobile and Internet usage. These third parties use cookies and other technologies to help analyze and provide us the data. You consent to the processing of data about you by these analytics providers in the manner and for the purposes set out in this Privacy Policy.

For more information on these third parties, including how to opt out from certain data collection, please visit the sites below. Please be advised that if you opt out of any service, you may not be able to use the full functionality of the Platform.

• For Google Analytics, please visit https://www.google.com/analytics
• For Mixpanel, please visit https://mixpanel.com/privacy/
• For Appboy, please visit https://www.appboy.com/legal/

The Information Collected/Received from Third-Party Sources

We may also collect Personal Information and information about your transactions with us and those you engage in with our affiliates, unaffiliated third parties, banking verification services and information from consumer reporting agencies. We may further collect information about you from third-party data sources, such as brokers, banks and government databases, and combine it with data we collect from you. For example, we use QuickBooks by Intuit. (“Intuit”) to gather your data from financial institutions. By using our Services, you grant us and Intuit the right, power, and authority to act on your behalf to access and transmit your personal and financial information from the relevant financial institution. You agree to your personal and financial information being transferred, stored, and processed by Intuit in accordance with the Intuit Privacy Policy (https://security.intuit.com/index.php/privacy). All information we collect and/or receive from such third-party sources is collectively referred to as “Third-Party Information.”

How the Information is Used and Shared

You authorize us to use the Credit & Debit Card Information to track your purchases, match your purchases with the other information we have about you.

You authorize us to use the Personal Information, the Transaction Information, the Geolocational Information, the Third-Party Information, and the Other Information (collectively, the “Information”) to provide and improve our Platform and Services; to help us improve the content and functionality of our Platform and Services; to solicit your feedback; and to inform you about our products and services and those of third parties.

You also authorize us to use and/or share Information as described below.

• We will access, use, and share the Information as required to fulfill our contractual obligations to you or subsequent requests for support by you.
• A Perfect Fifth, like many businesses, sometimes hires other companies to perform certain business-related functions on our behalf. Examples of such functions include website hosting, mailing information, maintaining databases, ID verification, processing applications, processing payments and completing transactions. When we employ another company to perform a function of this nature, we only provide it with the information that it needs to perform its specific function. These companies are authorized to use your Information only as necessary to provide these services to us.
• We may share some or all of your Information with any of our parent companies, affiliates, subsidiaries, joint ventures, or other companies that we control, are controlled by, or are under common control with us.
• As we develop our businesses, we might sell or buy businesses or assets. In the event of a corporate sale, merger, reorganization, sale of assets, dissolution, or similar event, the Information may be part of the transferred assets and you will be notified via email and/or a prominent notice on our Platform of any change in ownership or uses of your Personal Information, as well as any choices you may have regarding your Personal Information.
• In an ongoing effort to better understand our users, the Platform, the Services, and the products and services of A Perfect Fifth, we may analyze certain Information to compile information about our customer demographics, interests and behaviors and to create data analytics on an aggregate basis. This aggregate information does not identify you personally. We may share this aggregate information with our affiliates, agents, business partners, and other third parties. We may also disclose aggregated user statistics in order to describe the Platform, the Services and our products and services to current and prospective business partners and investors and to other third parties for other lawful purposes.
• A Perfect Fifth may disclose your Information if required to do so by law or in the good faith belief that such action is necessary to (i) comply with a legal obligation, (ii) protect and defend the rights or property of A Perfect Fifth, (iii) act in urgent circumstances to protect the personal safety of users of the Platform or the public against fraud or other harm, or (iv) protect against legal liability.
• We may share your Information with third parties, including but not limited to third-party market research firms for analysis purposes and to help such third parties generate market research data for us which will not identify you personally. Such third parties will provide us market research data to help us better segment our customer base and understand what products and services would likely work best for our customers. 

How We Protect Your Information

The security of your Information is important to us. When you enter sensitive information (such as bank account information) in our App, we encrypt the transmission of that information using secure socket layer technology (SSL). We and our custodian also use third party ID verification to ensure our users’ true identities are validated.

We take commercially reasonable steps to protect the Information from loss, misuse, and unauthorized access, disclosure, alteration, or destruction. Please understand, however, that no security system is impenetrable. We cannot guarantee the security of our databases or the databases of the third parties with which we may share such Information, nor can we guarantee that the Information you supply will not be intercepted while being transmitted over the Internet. In particular, e-mail sent to us may not be secure, and you should therefore take special care in deciding what information you send to us via e-mail.

Retention of Your Information

We will retain your Information for as long as it serves the purpose(s) for which it was initially collected as stated in this Privacy Policy, or subsequently authorized. We will also retain and use your Information as necessary to comply with our legal obligations, resolve disputes, and enforce our agreements.

Exclusions

This Privacy Policy does not apply to any Personal Data collected by A Perfect Fifth other than Personal Data collected through the Site, App or Services. This Privacy Policy shall not apply to any unsolicited information you provide to A Perfect Fifth through this Site or App, or through any other means. This includes, but is not limited to, information posted to any public areas of the Site or App (collectively, “Public Areas”), any ideas for new products or modifications to existing products, and other unsolicited submissions (collectively, “Unsolicited Information”). All Unsolicited Information shall be deemed to be non-confidential and A Perfect Fifth shall be free to reproduce, use, disclose, distribute and exploit such Unsolicited Information without limitation or attribution.

Testimonials

From time to time we may display personal testimonials of satisfied customers on our site.

Suspicious Email

We do not email you or send you other electronic communications to request nonpublic information or account information (such as username and password). If you receive an unsolicited email or other electronic communication that appears to be from A Perfect Fifth but you suspect it may be from some other source or fraudulent, please email us.

Links to Other Websites

This Privacy Policy applies only to the Platform. The Platform may contain links to other websites or services not operated or controlled by A Perfect Fifth (the “Third-Party Sites”). The policies and procedures we describe here do not apply to the Third-Party Sites. The links from the Platform do not imply that A Perfect Fifth endorses or has reviewed the Third-Party Sites. We suggest contacting those sites directly for information on their privacy policies.

Important Notices to Non-U.S. Residents

The Platform, the Services and their servers are operated in the United States. Please be aware that your Information may be transferred to, processed, maintained, and used on computers, servers, and systems located outside of your state, province, country, or other governmental jurisdiction where the privacy laws may not be as protective as those in your country of origin. If you are located outside the United States and choose to use the Platform and/or the Services, you do so at your own risk.

Changes to A Perfect Fifth’s Privacy Policy

We may update this Privacy Policy to reflect changes to our information practices. If we make any material changes to this Privacy Policy we will notify you by email (sent to the email address specified in your account) or by means of a notice on the Platform prior to the change becoming effective. By visiting and/or using the Platform after we make any such changes to this Privacy Policy, you are deemed to have accepted such changes. Please be aware that, to the extent permitted by applicable law, our use of the Information is governed by the Privacy Policy in effect at the time we collect the Information. We encourage you to periodically review this page for the latest information on our privacy practices.

Contacting A Perfect Fifth

Please feel free to contact us if you have any questions about A Perfect Fifth’s Privacy Policy or the information practices of this Site:

Email: info@aperfectfifth.com
Phone: 1 (818) 822-4000

A Perfect Fifth, LLC

P.O. Box 26093

LA, CA 90026