Privacy Policy

Updated: May 1, 2019

This Privacy Policy applies to www.recoup.ai operated by Riddlic, Inc. dba Recoup, a Delaware Corporation. Throughout the site, the terms “we”, “us” and “our” refer to Recoup. Recoup offers this website, including all information, tools and services available from this site to you, the user, conditioned upon your acceptance of all terms, conditions, policies and notices stated here.

By visiting our site, social media sites, blogs, chat applications and/ or connecting your bank account, email account, amazon account, or other personal accounts, you agree to be bound by the following Privacy Policy (“Privacy Policy”, “Privacy”), including those additional terms and conditions and policies referenced herein and/or available by hyperlink. This Privacy Policy applies to all users of the site, including without limitation users who are browsers, partners, vendors, customers, affiliates, and/ or contributors of content.

We use Plaid Inc. (“Plaid”) to gather End User’s data from financial institutions. By using our service, you grant Riddlic, Inc. and Plaid 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 Plaid in accordance with the Plaid Privacy Policy found here https://plaid.com/privacy

SECTION 1 - WHAT DO WE DO WITH YOUR INFORMATION?

When you use our Service, we collect the personal information you give us such as your financial institution credentials, name, address and email address. When you browse our store, we also automatically receive your computer’s internet protocol (IP) address in order to provide us with information that helps us learn about your browser and operating system.

SECTION 2 - CONSENT

How do you get my consent?

When you provide us with personal information, we imply that you consent to our collecting it and using it for that specific reason only. If we ask for your personal information for a secondary reason, like marketing, we will either ask you directly for your expressed consent, or provide you with an opportunity to say no.

How do I withdraw my consent?

If after you opt-in, you change your mind, you may withdraw your consent for us to contact you, for the continued collection, use or disclosure of your information, at anytime, by contacting us at https://www.recoup.ai/contact-us Or, you can go to your account page and press “Pause” on any specific financial institution account.

SECTION 3 - DISCLOSURE

We may disclose your personal information if we are required by law to do so, to respond to a merchant services dispute, to respond to a BBB complaint, to respond to an online or app store review, to a collections agency if you fail to pay owed commissions, to your financial institution, or any other entity required to settle a disagreement between you and Recoup, or if you violate our Terms of Service.

SECTION 4 - THIRD-PARTY SERVICES

In general, the third-party providers used by us will only collect, use and disclose your information to the extent necessary to allow them to perform the services they provide to us.

However, certain third-party service providers, such as payment gateways and other payment transaction processors, have their own privacy policies in respect to the information we are required to provide to them for your purchase-related transactions.

For these providers, we recommend that you read their privacy policies so you can understand the manner in which your personal information will be handled by these providers.

In particular, remember that certain providers may be located in or have facilities that are located a different jurisdiction than either you or us. So if you elect to proceed with a transaction that involves the services of a third-party service provider, then your information may become subject to the laws of the jurisdiction(s) in which that service provider or its facilities are located.

We may disclose the information we collect from you and information that we collect about you (including the contents of your email messages) with your merchants, utility companies, billers, and financial institutions. For instance, we may email a merchant, on your behalf, from your Gmail or Yahoo accounts, and disclose various data we collect from your Gmail or Yahoo account in order to obtain a refund, credit, reward or another benefit for your behalf. This includes, but is not limited to, your email address, billing history, name, date of birth, telephone number, and identity verification data you’ve established with that merchant. We may also share this information with third-party vendors, service providers, contractors or agents who perform functions on our behalf. However, we do not disclose any information we collect from Gmail and Yahoo user’s emails with third parties unless it is related to your relationship, including billing history, with that third party. Recoup has executed appropriate contracts with its service providers that prohibit them from using or sharing your information except as necessary to perform the contracted services on our behalf. In certain cases, we may engage a Service Provider to de-identify parts of your Personal Information. If that Service Provider then makes separate use of that De-Identified Information, such use is not covered by this Privacy Policy.

A special note for Gmail and Yahoo users: For users of the Services who provide Recoup with access to their Gmail and/or Yahoo account, Recoup is subject to and complies with the “Limited Use” requirements set forth in the Additional Requirements https://developers.google.com/terms/api-services-user-data-policy#additional-requirements-for-specific-api-scopes for the Gmail Restricted Scope API and the “Data Use” requirements in the Yahoo Developer Policy https://developer.verizonmedia.com/mail/?guccounter=1 as of the Effective Date.

Description of usage of Gmail and Yahoo Mail API: During a "claim period"¹, Recoup will manage the emails that are sent to a user from specific businesses. User consent is required for each individual business (and associated domain(s)) that Recoup will monitor inbound emails from. Recoup will access the user's inbound emails through the Gmail API or Yahoo Mail API. Recoup may, through the Gmail API or Yahoo Mail API, reply to a business on the user’s behalf in order to obtain a refund, reward or credit for the user. The user may opt out of Recoup's refund request process at any time. Recoup will monitor emails only during a claim period and for the businesses which the user has given explicit consent for Recoup to manage. Emails that are not from a specific business during a defined claim period will never be fetched, stored, or processed.

Definitions: ¹ Claim period: will begin after the user has given explicit consent for Recoup to manage inbound emails from a business, once Recoup sends the first outbound email to the business. The claim period will end on the sooner of:

  1. 4 days after a refund, reward or credit is obtained or Recoup determines that no refund, reward or credit will be given
  2. 30 days after the claim period began

Links

When you click on links on our store, they may direct you away from our site. We are not responsible for the privacy practices of other sites and encourage you to read their privacy statements.

SECTION 6 - SECURITY

To protect your personal information, we take reasonable precautions and follow industry best practices to make sure it is not inappropriately lost, misused, accessed, disclosed, altered or destroyed.

If you provide us with your credit card information, the information is encrypted using secure socket layer technology (SSL) and stored with a AES-256 encryption. Although no method of transmission over the Internet or electronic storage is 100% secure, we follow all PCI-DSS requirements and implement additional generally accepted industry standards.

SECTION 7 - COOKIES & TRACKING

Recoup uses cookies, pixels, mobile device IDs and other methods to track your IP address, browsing and activity history, location, and other meta data on our website and within our app, SMS, MMS, email, and social media.

SECTION 8 - AGE OF CONSENT

By using this site, you represent that you are at least the age of majority in your state or province of residence, or that you are the age of majority in your state or province of residence and you have given us your consent to allow any of your minor dependents to use this site.

SECTION 9 - CHANGES TO THIS PRIVACY POLICY

We reserve the right to modify this privacy policy at any time, so please review it frequently. Changes and clarifications will take effect immediately upon their posting on the website. If we make material changes to this policy, we will notify you here that it has been updated, so that you are aware of what information we collect, how we use it, and under what circumstances, if any, we use and/or disclose it.

If our store is acquired or merged with another company, your information may be transferred to the new owners so that we may continue to sell products to you.

QUESTIONS AND CONTACT INFORMATION

If you would like to: access, correct, amend or delete any personal information we have about you, register a complaint, or simply want more information contact us at https://www.recoup.ai/contact-us

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Refunds are not guaranteed, vary on a case-by-case basis, and are the final decision of your financial institution. Recoup makes no representation that we will file a refund claim for any or all fees. We make no representation that we will file claims during any regular interval. The type and frequency of claims filing is at our sole discretion based on our experience and expertise with any number of variables including, but not limited to, your bank, your fee history, and past successful refund history.

If your account does not qualify for a free claim, you may be offered the opportunity to file a claim for a fee, in addition to, commissions on successful refunds.

Security is essential to everything we do at Recoup. Separate access controls are enforced at each layer of infrastructure. Multi-factor authentication is required for access to our infrastructure. All applications and user access logs are stored centrally and monitored. Recoup’s infrastructure regularly undergoes both internal and external network penetration tests, and third-party code reviews. Our technology has also completed a SOC 2 report. Recoup’s platform allows client requests using strong TLS protocols and ciphers. Communication between infrastructure and financial institutions is transmitted over encrypted tunnels. All client communication with banks utilize cryptographically hashed headers and timestamps to verify authenticity.

Third party information provided for product features, communications, and communications emanating from social media communities, email, data and other information available through Riddlic, Inc dba Recoup are meant for informational purposes only and are not intended as an offer or solicitation for the purchase or sale of any financial instrument or cryptocurrency or as an official confirmation of any transaction.

The information provided is not warranted as to completeness or accuracy and is subject to change without notice. Any information about the Recoup platform, e-mails, or any other communications, are meant for informational purposes only and are not intended as an offer, solicitation, or advertisement for Recoup or any goods or services offered by Recoup or third parties. The Recoup website provides its users links to social media sites and email. The linked social media and email messages are pre-populated. However, these messages can be deleted or edited by users, who are under no obligation to send any pre-populated messages. Any comments or statements made herein do not reflect the views of Riddlic, Inc. or Recoup, or any of their subsidiaries or affiliates.

Refunds Final Decision of Your Financial Institution REFUNDS NOT GUARANTEED Refund Amounts Vary