Kidough Privacy Policy

Last Updated September 7, 2022

Teach Money LLC dba. Kidough (“Kidough,” “we,” “us,” or “our”) has prepared this Privacy Policy to explain what Personal Information we collect, how we use and share that information, and your choices concerning our information practices. Personal Information is defined as information that identifies, relates to, describes, is capable of being associated with, or could reasonably be linked, directly or indirectly, with a particular consumer or household. This Privacy Policy applies to Personal Information that we gather or collect via our website (the “Site”) or our app (collectively, the “Services”). This Privacy Policy does not apply to any third-party websites, services, or applications even if they are accessible through our Services. This Privacy Policy is incorporated into our Terms of Service.

Before using the Service or submitting any Personal Information to Kidough, please review this Privacy Policy carefully and contact us if you have any questions. By using the Service, you agree to the practices described in this Privacy Policy. If you do not agree to this Privacy Policy, please do not access the Site or otherwise use the Service.

Personal Information We Collect

We collect information that alone or in combination with other information in our possession could be used to identify you (“Personal Information”) as follows:

Personal Information You Provide: We collect Personal Information when you create an account, interact with the Service, and communicate with us. The Personal Information collected when creating an account generally includes your name, email address, postal address, phone number, date of birth, and Social Security Number. You may also provide additional information in the course of signing up for and using the Service, such as bank account details for the funding account and login credentials. This additional information is maintained by third-party service providers described below.

Personal Information We Collect Through Our Social Media Pages: Kidough Services may use social media platforms like Instagram, Facebook, Twitter, and LinkedIn (“Social Media Pages”). When you interact with our Social Media Pages, we will collect Personal Information that you elect to provide to us, such as your contact details. In addition, the companies that host our Social Media Pages may provide us with aggregate information and analytics regarding the use of our Social Media Pages.

Personal Information We Receive Automatically From Your Use of the Service: When you visit, use, and interact with the Service, we automatically receive certain information about your visit, use, or interactions. For example, we may monitor the number of people that visit the Service, peak hours of visits, which page(s) are visited, the domains our visitors come from (e.g., google.com, yahoo.com, etc.), and which browsers people use to access the Service (e.g., Chrome, Firefox, Microsoft Internet Explorer, etc.), generalized estimates of location derived from IP addresses, and navigation pattern. In particular, the following information is created and automatically logged in our systems:

Log data: Information that your browser automatically sends whenever you visit the Site (“log data”). Log data includes your IP address, browser type and settings, the date and time of your request, and how you interacted with the Site.
Cookies: Please see the “Cookies” section below to learn more about how we use cookies.
Device information: Includes name of the device, operating system, and browser you are using. Information collected may depend on the type of device you use and its settings.
Usage Information: We collect information about how you use our Service, such as the types of content that you view or engage with, the features you use, the actions you take, and the time, frequency, and duration of your activities.
Transaction Data: We collect information relating to transactions associated with accounts you link to the Service, such as the amount, location, type, date, and time of the transactions.
Location Data: If you give the App permission to access your location, we may collect your location information through the App using WiFi, Bluetooth, and the GPS coordinates (e.g. latitude/longitude) of your mobile device and store the resulting history. With your permission, we may collect your device’s location even if you are not using the Service. If you want to opt-out of the collection of your location data, please adjust your settings in your mobile device to limit the App’s access to your location data.

Cookies: Kidough uses various technologies to collect information, and this may include sending cookies to your computer or mobile device. “Cookies” are small text files that are stored on your device or hardware by a website. Cookies can be stored on your computer for different periods of time. Some cookies expire after a certain amount of time, or upon logging out (session cookies), others survive after your browser is closed until a defined expiration date set in the cookie (as determined by the third party placing it), and help recognize your computer when you open your browser and browse the Internet again (persistent cookies). For more details on cookies please visit All About Cookies.

On most web browsers, you will find a “help” section on the toolbar. Please refer to this section for information on how to receive a notification when you are receiving a new cookie and how to turn cookies off. Please refer to this section for guidance on how to modify your web browser’s settings. Please note that if you limit the ability of websites to set cookies, you may be unable to access certain parts of the Site and you may not be able to benefit from the full functionality of the Site.

Advertising networks may use cookies to collect Personal Information. Most advertising networks offer you a way to opt out of targeted advertising. If you would like to find out more information, please visit the Network Advertising Initiative’s online resources at http://www.networkadvertising.org and follow the opt-out instructions there.

If you access the Site on your mobile device, you may not be able to control tracking technologies through the settings.

Email Pixels: We use pixels in our email campaigns that allow us to collect your email and IP address as well as the date and time you open an email or click on any links in the email.

Analytics: We may also use analytics tools such as Google Analytics to collect information regarding visitor behavior and visitor demographics on our Site and develop website content. This data is not tied to any Personal Information. For more information on how Google uses this data, go to www.google.com/policies/privacy/partners/. You can opt out of Google’s collection and Processing of data generated by your use of the Site by going to http://tools.google.com/dlpage/gaoptout.

Online Tracking and “Do Not Track” Signals: We and our third party service providers, including Facebook, may use cookies, pixels, or other tracking technologies to collect information about your browsing activities over time and across different websites following your use of the Site and use that information to send targeted advertisements. Our Site currently does not respond to “Do Not Track” (“DNT”) signals and operates as described in this Privacy Policy whether or not a DNT signal is received. If we do respond to DNT signals in the future, we will update this Privacy Policy to describe how we do so.

How We Use Personal Information

We may use Personal Information for the following purposes:

To provide the Service and help kids learn financial literacy and responsibility;
To respond to your inquiries, comments, feedback, or questions;
To send administrative information to you, for example, information regarding the Service and changes to our terms, conditions, and policies;
To analyze how you interact with our Service;
To maintain and improve the content and functionality of the Service;
To develop new products and services;
To prevent fraud, criminal activity, or misuses of our Service, and to ensure the security of our IT systems, architecture, and networks; and
To comply with legal obligations and legal process and to protect our rights, privacy, safety, or property, and/or that of our affiliates, you, or other third parties.

Aggregated Information. We may aggregate Personal Information and use the aggregated information to analyze the effectiveness of our Service, to improve and add features to our Service, and for other similar purposes. In addition, from time to time, we may analyze the general behavior and characteristics of users of our Services and share aggregated information like general user statistics with prospective business partners. We may collect aggregated information through the Service, through cookies, and through other means described in this Privacy Policy.

Marketing. We may use your Personal Information to tell you about products or services we believe may be of interest to you. For instance, we may analyze your Personal information to show you relevant advertisements within the App. In addition, if you elect to provide your email or telephone number, we may use that information to send you special offers. You may opt out of receiving emails by following the instructions contained in each promotional email we send you. You can also control the marketing emails and/or text messages you receive by updating your settings through your account. In addition, if at any time you do not wish to receive future marketing communications, you may contact us. If you unsubscribe from our marketing lists, you will no longer receive marketing communications but we will continue to contact you regarding management of your account, other administrative matters, and to respond to your requests.

Sharing And Disclosure Of Personal Information

In certain circumstances we may share your Personal Information with third parties without further notice to you, unless required by the law, as set forth below:

Vendors and Service Providers: To assist us in meeting business operations needs and to perform certain services and functions, we may share Personal Information with vendors and service providers, including providers of hosting services, cloud services, and other information technology services providers, event management services, email communication software and email newsletter services, advertising and marketing services, payment processors, customer relationship management and customer support services, and web analytics services. Pursuant to our instructions, these parties will access, process, or store Personal Information in the course of performing their duties to us. We take commercially reasonable steps to ensure our service providers adhere to the security standards we apply to your Personal Information.
Business Transfers: If we are involved in a merger, acquisition, financing due diligence, reorganization, bankruptcy, receivership, sale of all or a portion of our assets, or transition of service to another provider (collectively a “Transaction”), your Personal Information and other information may be shared in the diligence process with counterparties and others assisting with the Transaction and transferred to a successor or affiliate as part of that Transaction along with other assets.
Legal Requirements: 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, including to meet national security or law enforcement requirements, (ii) protect and defend our rights or property, (iii) prevent fraud, (iv) act in urgent circumstances to protect the personal safety of users of the Services, or the public, or (v) protect against legal liability.

Data Retention

We keep Personal Information for as long as reasonably necessary for the purposes described in this Privacy Policy, while we have a business need to do so, or as required by law (e.g. for tax, legal, accounting, or other purposes), whichever is the longer.

Update Your Information

Please log in to your account or contact us if you need to change or correct your Personal Information.

Information From Children

Our Service is available to and used by children who are under the age of 13. After obtaining verifiable parental consent, we collect, use and share Personal Information relating to such children as described in the “Personal Information We Collect,” “How We Use Personal Information,” and “Sharing and Disclosure of Personal Information” sections of this Privacy Policy.

Children under 13: Parents or guardians must initiate the registration process on behalf of children under the age of 13. We request, via digital consent during the registration process, that you represent that you are the parent or legal guardian of any child under the age of 13 for whom you register an account and that you consent to our collection and use of your child’s personal information in accordance with this Privacy Policy. If a child under the age of 13 initiates the registration process without a parent or guardian, the registration session will end and we will inform the child that they will need a parent or guardian to create an account. In those cases, we do not retain the mobile phone number, date of birth, or any other personal information from children under the age of 13 until a parent or guardian initiates a new registration.
Children aged 13-17: For children 13 years or older but younger than the age of 18, we request that the child provide a first and last name, an email address and password, and a parent’s mobile phone number so that we can provide the parent with information about how to download the App and finish registering an account.

Parental Choices and Controls

You can update or change the personal information of a child at any time through the account settings.

At any time, you can refuse to permit us to collect further personal information of a child by closing that sub-account or by calling Kidough Customer Service at 1-833-543-6844. If you close an account, we will mark the account in our database as “Closed,” but may retain personal information from the account to deactivate the account with our service providers, allow you to reactivate the Kidough account for some period in the future, collect any fees owed, resolve disputes, troubleshoot problems, assist with any investigations, prevent fraud, enforce the Terms and Conditions, or take other actions as required or permitted by law.

If you request that we delete your child’s personal information, we will delete as much information as we are legally permitted. Due to regulatory recordkeeping obligations, we may be required by law to retain some information associated with a closed account.

Site and Advertising

While we provide a Service for families, our Site is for promotional purposes only and is not intended for children under the age of 13. We do not knowingly collect any information from children under the age of 13 on our Site. If we learn that we have collected personal information from a child under the age of 13 without the consent of the child’s parent or guardian as required by law, we will delete it.

Parents or guardians can contact us to:

request copies of the Personal Information we collected about their child;
direct us to delete the Personal Information we collected about their child;
direct us to stop collecting or using Personal Information regarding their child; and
prohibit the disclosure of Personal Information regarding their child to third parties not needed to provide the Service.

Links To Other Websites

The Service may contain links to other websites not operated or controlled by kidough, including social media services (“Third Party Sites”). The information that you share with Third Party Sites will be governed by the specific privacy policies and terms of service of the Third Party Sites and not by this Privacy Policy. By providing these links we do not imply that we endorse or have reviewed these sites. Please contact the Third Party Sites directly for information on their privacy practices and policies.

Security

You use the Service at your own risk. We implement commercially reasonable technical, administrative, and organizational measures to protect Personal Information both online and offline from loss, misuse, and unauthorized access, disclosure, alteration, or destruction. However, no Internet or e-mail transmission is ever fully secure or error free. In particular, e-mails sent to or from us may not be secure. Therefore, you should take special care in deciding what information you send to us via the Service or e-mail. Please keep this in mind when disclosing any Personal Information to Kidough via the Internet. In addition, we are not responsible for circumvention of any privacy settings or security measures contained on the Service, or third party websites.

Your Choices

In certain circumstances providing Personal Information is optional. However, if you choose not to provide Personal Information that is needed to use some features of our Service, you may be unable to use those features. You can also contact us to ask us to update or correct your Personal Information.

Changes To The Privacy Policy

The Service and our business may change from time to time. As a result we may change this Privacy Policy at any time. When we do we will post an updated version on this page, unless another type of notice is required by the applicable law. By continuing to use our Service or providing us with Personal Information after we have posted an updated Privacy Policy, or notified you by other means if applicable, you consent to the revised Privacy Policy and practices described in it.

California Privacy Protection Act (CCPA)

CCPA covers California residents about whom we have collected Personal Information from and is applicable to any business that collects and stores Personal Information of California residents, regardless of if the business is located in California. For purposes of this section the term “personal information” means information that identifies, relates to, describes, is reasonably capable of being associated with, or could reasonably be linked, directly or indirectly, with a particular California consumer/resident or household. Personal information does not include information that has been de-identified or that does not fall within the above definition of personal information.

As a consumer financial services company, Kidough has developed and implemented privacy and security controls to protect your personal information and comply with United States federal law, including but not limited to the Gramm-Leach-Bliley Act and the California Financial Information Privacy Act. As such, most of the personal information about you that we may collect and use is exempt from the CCPA.

California Privacy Rights

Under the California Consumer Protection Act, California residents, subject to certain limitations and exceptions, have the right to:

Right to Know– The right to request the following information from us about our use of your personal information ○ The specific pieces of personal information we have collected about you
- The categories of personal information that we have collected about you
- The categories of sources from which your personal information was collected
- The business or commercial purpose for collecting or selling your personal information
- The categories of third parties with whom we may share personal information
Right to Delete – You have the right to request the deletion of your personal information that is collected or maintained by us
Right to Opt-Out of Sale – You have the right to opt-out of the sale of your personal information by us. We do not sell personal information.
Right to Non-Discrimination – You have the right to not receive discriminatory treatment by us for the exercise of the privacy rights described above.

In some instances, we may not be able to honor your request. For example, we will not honor your request if we cannot verify your identity or if we cannot verify that you have the authority to make a request on behalf of another individual. Additionally, we will not honor your request where an exception applies, such as where the disclosure of personal information would adversely affect the rights and freedoms of another consumer or where the personal information that we maintain about you is not subject to your rights under the CCPA.

We will advise you in our response if we are unable to honor your request. Additionally, if you request access to the specific pieces of personal information we have collected about you, we will not provide social security numbers, driver’s license numbers or government issued identification numbers, financial account numbers, account passwords or security questions and answers, or any other specific pieces of information if the disclosure presents the possibility of unauthorized access that could result in identity theft, fraud, or unreasonable risk to data, systems, and network security.

How to Exercise Your Rights under the CCPA

If you are a California resident, you may make a request to exercise your rights under the CCPA by either of the following methods:

Submitting a request via email to Contact@kidough.org or
Calling us at 1-833-KIDOUGH.

Contact Us

If you have any questions about our Privacy Policy or information practices, please feel free to contact us at: Contact@kidough.org.