Privacy Policy

This Privacy Policy describes Innovatech Expert, Inc.’s and any of our affiliates (collectively, “Innovatech Expert,” “we”, “us”, or “our”) practices and the privacy rights of users of Innovatech Expert Services (“you”) regarding our collection, use, storage, sharing and protection of your personal information. It applies to the Innovatech Expert website and all related sites, applications, services and tools, including the Innovatech Expert app, regardless of how you access or use them. We may offer you the ability to connect with Innovatech Expert Services using a mobile device, either through a mobile application or via a mobile optimized website. The provisions of this Privacy Policy apply to all such mobile access and use of mobile devices.

Please read this Privacy Policy carefully. By accessing and using this website or any other Innovatech Expert Services, you confirm that you have read and understand this Privacy Policy in its entirety. You understand and acknowledge that we reserve the right to change or amend this Privacy Policy at any time. When we do this, the revised Privacy Policy will be effective from the time we post it. We may also highlight any material changes to our Privacy Policy that may impact you by notifying you via email or otherwise.

If you do not agree to this Privacy Policy in its entirety, you must refrain from using the Innovatech Expert Services. This Privacy Policy applies US law and is intended to govern the use of Innovatech Expert Services by our users (including, without limitation those who use the Innovatech Expert Services in the course of their trade or business) in the United States.

Throughout this Privacy Policy, unless otherwise stated, we use the term “personal information” to describe information that can be associated with a specific person and can be used to identify that person. We do not consider personal information to include information that has been made anonymous so that it does not identify a specific user.

Collection of Personal Information
We collect and use the personal information that you give us to provide our products and services, and for the purposes which are reasonably necessary for our business activities to function or if required by law.

Information we learn from use
When you use Innovatech Expert Services, we may collect information sent to us by your computer, mobile phone or other access device. The information sent to us may include, but is not limited to, the following: data about the pages you access, computer IP address, device ID or unique identifier, device type, geo-location information, computer and connection information, mobile network information, statistics on page views, traffic to and from the sites, referral URL, ad data, and standard web log data and other information. We also collect anonymous information through our use of cookies and web beacons.

When you download or use our mobile applications, or access one of our mobile optimized sites, we may receive information about your location and your mobile device, including a unique identifier for your device. We may use this information to provide you with location-based services, such as advertising, search results, and other personalized content. Most mobile devices allow you to control or disable location services in the device’s setting’s menu. If you have questions about how to disable your device’s location services, we recommend you contact your mobile service carrier or the manufacturer of your particular device.

We may also collect information from or about you other than through your use of the Innovatech Expert Services, such as through your contact with us, including our customer support team, your results when you respond to a survey, your interactions with members of the Innovatech Expert corporate family or other companies (subject to their privacy policies and applicable law), and from other accounts we have reason to believe you control (whether in part or in whole). Additionally, for quality and training purposes or for its own protection, Innovatech Expert may monitor or record its telephone conversations with you or anyone acting on your behalf, subject to applicable law. By communicating with Innovatech Expert, unless otherwise provided by applicable law, you acknowledge that your communication may be overheard, monitored, or recorded without further notice or warning.

Information we collect when using our service
We may collect and store any information you provide us when you use Innovatech Expert Services, including when you add information on a web form, add or update your account information, participate in community discussions, chats, or dispute resolutions, or when you otherwise correspond with us regarding Innovatech Expert Services.

When you use Innovatech Expert Services, we also may collect information about your transactions and your activities, such as records of services considered, as well as purchasing or consuming histories or tendencies. In addition, if you open a Innovatech Expert account or use Innovatech Expert Services, we may collect the following types of information:

Contact and personal information: such as your name, address, phone number, email and other similar information.
Financial information: such as information about your current employer and your employment history and the full bank account numbers and/or credit card numbers that you linked to your Innovatech Expert account or give us when you use Innovatech Expert Services.
Detailed personal information: such as your date of birth, Social Security Number or driver’s license number or information contained in other identification documents.
Biometric information: such as information about your physiological, biological and behavioral characteristics.
Information from third parties: such as credit bureaus and identity verification services with whom we have contractual relationships.
You may also choose to provide us with access to certain personal information stored by third parties such as social media sites (e.g., Facebook and Twitter). The information we may receive varies by site and is controlled by that site.

By associating an account managed by a third party with your Innovatech Expert account and authorizing Innovatech Expert to have access to this information, you agree that Innovatech Expert may collect, store and use this information in accordance with this Privacy Policy.

Use of personal information
Our primary purpose in collecting personal information is to provide you with the Innovatech Expert Services.

We may use your personal information to:

to provide and maintain products and services to you;
customer support;
enforce our terms of service with you;
to contact and communicate with you;
internal record keeping;
process transactions and send notices about your transactions;
to access your eligibility to use any of our services or products (including to verify your identity and perform creditworthiness checks);
resolve disputes, collect fees, and troubleshoot problems;
manage risk or fraud to protect your account;
measure, analyze and gain insights into the performance of the Innovatech Expert Services and maintain or improve their content, design, delivery and layout;
provide targeted marketing and advertising, provide service update notices, and deliver promotional offers based on your communication preferences;
contact you at any telephone number, by placing a voice call or through text (SMS) or email messaging, as authorized by our terms;
other business or operational purposes compatible with the context in which the personal information was collected;
for other purposes to which you have consented; and
as required or permitted by relevant laws and regulations.
We may contact you regarding your account, to troubleshoot problems with your account, to resolve a dispute, to collect fees or monies owed, to poll your opinions through surveys or questionnaires, or as otherwise necessary to service your account. Additionally, we may contact you about promotions and inform you about Innovatech Expert Services.

Marketing
We use cookies and track IP addresses via our Websites so we can improve our services provided by our Websites and enhance your user experience.

When you access our Websites or use Innovatech Expert Services, we (including our Partners and companies we work with) may place small data files on your computer or other device. These data files may be cookies, pixel tags, “Flash cookies,” or other local storage provided by your browser or associated applications (collectively ‘Cookies’). We use Cookies to ascertain which web pages are visited and how often, to make our Websites more user friendly, to give you a better experience when you return to a website and to target advertising to you that we think you may be interested in.

Most web browsers automatically accept Cookies. Your browser may give you the ability to control cookies. How you do so, however, depends on your browser and the type of cookie. Certain browsers can be set to reject all browser cookies. If you configure your computer to block all cookies, you may disrupt certain web page features, and limit the functionality we can provide when you visit or use our Websites.

We may send marking materials to you from time to time based on your preferences. If you do not wish to receive marketing materials from us you can opt out by selecting unsubscribe in the email or text message.

How we protect and store personal information
Our operations are supported by a network of computers, cloud-based servers, and other infrastructure and information technology, including, but not limited to, the use of third-party service providers. We, and the third-party service providers we use store and process your personal information in the United States and elsewhere in the world. If your information is transferred to other countries, including countries which may not have data protection laws that provide the same level of protection that exists in your country, we will protect the information as described in this Privacy Policy.

We protect your information using physical, technical, and administrative security measures to reduce the risks of loss, misuse, unauthorized access, disclosure and alteration. Some of the safeguards we use are firewalls and data encryption, physical access controls to data centers, and access authorization controls. We review these security measures periodically and update them when necessary. Even so, despite our reasonable efforts, no security measures can warrant security categorically.

How we share personal information with other third parties
We never sell your personal information or customer data with any third parties. Your trust in us is of utmost importance, and we are committed to safeguarding your data in accordance with this privacy policy.

We may share personal information with:

Our corporate group and related companies;
Our partners and the suppliers (Service Providers) who help with our business operations including in relation to fraud prevention, identity verification, payment collection, marketing, customer service, and technology services;
Financial institutions that we may partner with;
Credit reporting bodies and collection agencies, including to report account information, as permitted by law. When we share your Personal Information with credit reporting bodies we authorize them to use that information for the purposes of providing their credit reporting services. To request a credit report, we will provide information to the credit reporting body that identifies you;
Banking, biller and platform partners;
Potential investors or companies that we plan to merge with or be acquired by or who may invest in us;
Other organisations (unless you tell us not to) and their agents for the marketing of their products and services;
Law enforcement, government agencies or officials, or other third parties pursuant to a subpoena, court order, or other legal process or requirement applicable to Innovatech Expert; when we need to do so to comply with law or credit card rules; or when we believe, in our sole discretion, that the disclosure of Personal Information is necessary to prevent physical harm or financial loss, to report suspected illegal activity or to investigate suspected violations of our user terms; and
Other third parties with your consent or direction to do so.
Innovatech Expert may use Plaid, Inc. (“Plaid”), with your consent, to connect your Innovatech Expert account with your bank account, verify your bank account and confirm your bank account balance prior to approving a transaction. Information shared with Plaid is treated by Plaid in accordance with its Privacy Policy.

Please note that some of these third parties may be in other countries where the laws on processing Personal Information may be less stringent than in your jurisdiction. When we disclose your Personal Information overseas, we will take all reasonable measures to ensure that your information is held, managed and accessed in accordance with appropriate standards for the handling of Personal Information. We will only share your Personal Information with third parties as described in this Privacy Policy or as otherwise notified to you at the time of collection or with your consent.

How you can access, change or request your personal information be deleted
You can review and edit some of your personal information at any time by logging in to your account and reviewing your account settings and profile. To otherwise amend any of your personal information, please contact our customer support team by clicking here.

You may request in certain circumstances that we delete any Personal Information that we have collected directly from you. We may have a reason under the law or otherwise where we cannot comply with your request, or why we may comply with it in a more limited way than you anticipated. If we do, we will explain that to you in our response. To make a request please contact info@innovatechexpert.com.

Contact
You can contact us regarding this privacy policy at info@innovatechexpert.com.

Nevada Notice
Residents of the State of Nevada have the right to opt out of the sale of certain pieces of their information to other companies who will sell or license their information to others. Innovatech Expert does not sell the Personal Information of its customers. However, if you are a Nevada resident and would like to make such a request, please click here.

Children’s Privacy
We do not knowingly request to collect Personal Information from any person under the age of 18. If Innovatech Expert suspects a user of being under 18 years of age, we will require the user to close his or her account, will not allow the user to continue using Innovatech Expert’s Services.