Privacy Policy

Welcome to OwedToYou.AI ("Website," "we," "us," or "our"). This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our website at www.owedtoyou.ai. Please read this Privacy Policy carefully. If you do not agree with the terms of this Privacy Policy, please do not access the Website.

1. Information We Collect

1.1 Information You Provide

We collect information that you voluntarily provide to us, including:

• Personal Information: First name, last name, email address, phone number, date of birth, Social Security Number (SSN) or Tax ID, and mailing address when you submit a claim or mailing address form
• Search Information: Instagram usernames, names, cities, and states you search for
• Payment Information: Payment details processed through Stripe (we do not store full credit card information)

1.2 Automatically Collected Information

When you visit our Website, we automatically collect certain information, including:

• IP address and browser type
• Device information and operating system
• Pages visited and time spent on pages
• Referring website addresses
• Cookies and similar tracking technologies

2. How We Use Your Information

We use the information we collect to:

• Process your unclaimed funds search requests
• Process payments and fulfill your orders
• Send you checks and correspondence related to your claims
• Maintain and improve our Website and services
• Respond to your inquiries and provide customer support
• Send you administrative information, updates, and marketing communications (with your consent)
• Detect and prevent fraud, abuse, and security threats
• Comply with legal obligations

3. Information Sharing and Disclosure

We do not sell your personal information. We may share your information in the following circumstances:

• Service Providers: We share information with third-party service providers who perform services on our behalf, such as payment processing (Stripe), email delivery (SendGrid), and cloud hosting (Railway)
• Legal Requirements: We may disclose information if required by law, court order, or government regulation
• Business Transfers: In the event of a merger, acquisition, or sale of assets, your information may be transferred
• With Your Consent: We may share information with your explicit consent

4. Data Security

We implement appropriate technical and organizational security measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction. However, no method of transmission over the Internet or electronic storage is 100% secure. While we strive to use commercially acceptable means to protect your information, we cannot guarantee absolute security.

5. Cookies and Tracking Technologies

We use cookies and similar tracking technologies to track activity on our Website and store certain information. Cookies are files with a small amount of data that may include an anonymous unique identifier. You can instruct your browser to refuse all cookies or to indicate when a cookie is being sent. However, if you do not accept cookies, you may not be able to use some portions of our Website.

We use Google Analytics and Google Ads to analyze Website usage and serve advertisements. You can opt out of Google Analytics by installing the Google Analytics Opt-out Browser Add-on.

6. Third-Party Services

Our Website may contain links to third-party websites or services that are not owned or controlled by us. We are not responsible for the privacy practices of third-party websites. We encourage you to review the privacy policies of any third-party websites you visit.

We use the following third-party services:

• Stripe: Payment processing - Privacy Policy
• SendGrid: Email delivery - Privacy Policy
• Google Analytics/Ads: Website analytics and advertising - Privacy Policy

7. Your Rights and Choices

You have certain rights regarding your personal information:

• Access: You can request access to the personal information we hold about you
• Correction: You can request correction of inaccurate or incomplete information
• Deletion: You can request deletion of your personal information, subject to legal obligations
• Opt-Out: You can opt out of marketing communications by following the unsubscribe instructions in our emails
• Do Not Track: Your browser may allow you to set a "Do Not Track" preference, though we do not currently respond to these signals

To exercise these rights, please contact us using the information provided in the "Contact Us" section below.

8. Children's Privacy

Our Website is not intended for children under the age of 18. We do not knowingly collect personal information from children under 18. If you are a parent or guardian and believe your child has provided us with personal information, please contact us immediately.

9. Data Retention

We retain your personal information for as long as necessary to fulfill the purposes outlined in this Privacy Policy, unless a longer retention period is required or permitted by law. When we no longer need your information, we will securely delete or anonymize it.

10. International Data Transfers

Your information may be transferred to and processed in countries other than your country of residence. These countries may have data protection laws that differ from those in your country. By using our Website, you consent to the transfer of your information to these countries.

11. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on this page and updating the "Last Updated" date. You are advised to review this Privacy Policy periodically for any changes.

12. Contact Us

If you have any questions about this Privacy Policy or our privacy practices, please contact us:

OwedToYou.AI
Website: www.owedtoyou.ai

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