Personal information we collect

Information you provide to us. Personal information you may provide to us through the Service or otherwise includes:

• Contact data and biographical details, such as your first and last name, salutation, email address, billing and mailing addresses, date of birth, professional title and company name, phone number, country of residence and nationality.

  
  

• Profile data such as the username and password that you may set to establish an online account on the Service, preferences, and any other information that you add to your account profile.

  
  

• Communications data  based on our exchanges with you, including when you contact us through the Service, social media, or otherwise.

  
  

• Marketing data, such as your preferences for receiving our marketing communications and details about your engagement with them.

  
  

• Relationship data, such as familial or other relationship to third parties whose personal information you may provide to us. For example, we may obtain such data if you make your will or other beneficiary details available to us. We may also obtain such data through our “refer-a-friend” program.

  
  

• Financial and investment data, such as your income, economic standing, assets (such as pensions, bank accounts, vehicles, properties, etc.), liabilities (such as mortgages, credit card debt, loans, interest rates, etc.), expenses, balances, transactions, individual investments, and economic/investment performance.

  
  

• Identity documents such as national identification number (e.g., Social Security Number, tax identification number, passport number), state or local identification number (e.g., driver’s license or state ID number), images of the relevant identification cards, wills, and account statements.

  
  

• Beneficiary data, such as beneficiary full name and email address, relationship to a Wedge user, and inheritance details.

  
  

• Other data  not specifically listed here, which we will use as described in this Privacy Policy or as otherwise disclosed at the time of collection.

  
  

Third-party sources.We may receive data falling within the categories identified above from other sources and we may combine such data with other personal information we have regarding you. These other sources of personal information include:

• Public sources, such as government agencies, public records, and other publicly available sources.

  
  

• Private sources, such as data providers, data licensors and data aggregators.

  
  

• Our affiliates and partners, including capital management firms with which you hold certain assets, such as our parent company, Hoxton Capital Management and Hoxton Wealth, or other third-party financial or asset management institutions with which we partner.

  
  

• Marketing partners, such as joint marketing partners and event co-sponsors.

  
  

• Third-party integrations, such as banks and other financial institutions that we integrate with and that you can log into through, or otherwise link to, your Service account. This data may include your username, financial and investment data, and other information associated with your account on that third-party service that is made available to us.

  
  

Automatic data collection.We, our service providers, and our business partners may automatically log information about you, your computer or mobile device, and your interaction over time with the Service, our communications and other online services, such as:

• Device data,  such as your computer or mobile device’s operating system type and version, manufacturer and model, browser type, screen resolution, RAM and disk size, CPU usage, device type (e.g., phone, tablet), IP address, unique identifiers (including identifiers used for advertising purposes), language settings, mobile device carrier, radio/network information (e.g., Wi-Fi, LTE, 3G), and general location information such as city, state or geographic area.

  
  

• Online activity data,  such as pages or screens you viewed, how long you spent on a page or screen, the website you visited before browsing to the Service, navigation paths between pages or screens, information about your activity on a page or screen, access times and duration of access, and whether you have opened our emails or clicked links within them.

  
  

• Location data when you authorize the Service to access your device’s location.

  
  

• Communication interaction data such as your interactions with our email, text or other communications (e.g., whether you open and/or forward emails) – we may do this through use of pixel tags (which are also known as clear GIFs), which may be embedded invisibly in our emails.

  
  

Cookies and similar technologies.Some of the automatic collection described above is facilitated by the following technologies:

• Cookies which are small text files that websites store on user devices and that allow web servers to record users’ web browsing activities and remember their submissions, preferences, and login status as they navigate a site. Cookies used on our sites include both “session cookies” that are deleted when a session ends, “persistent cookies” that remain longer, “first party” cookies that we place and “third party” cookies that our third-party business partners and service providers place.

  
  

• Local storage technologies, like HTML5, that provide cookie-equivalent functionality but can store larger amounts of data on your device outside of your browser in connection with specific applications.

  
  

• Web beacons, also known as pixel tags or clear GIFs, which are used to demonstrate that a webpage or email was accessed or opened, or that certain content was viewed or clicked.

  
  

• Session-replay technologies, such as those provided by Hotjar that employ software code to record users’ interactions with the Service in a manner that allows us to watch video replays of those user sessions. The replays include users’ clicks, mobile app touches, mouse movements, and scrolls during those sessions. These replays help us diagnose usability problems and identify areas for improvement. You can learn more about Hotjar at https://www.hotjar.com/legal/policies/privacy/.

  
  

• Data analytics technologies, such as those provided by Mixpanel and Google Analytics that employ software code to gather user analytics and provide usage insights to improve the software, services, features and functionality that matters to you. You can learn more about Mixpanel at https://mixpanel.com/legal/privacy-policy/ and Google Analytics https://policies.google.com/technologies/partner-sites.

  
  

Data about others.We may offer features that help users invite their friends or contacts to use the Service, and we may collect contact details about these invitees so we can deliver their invitations. Please do not refer someone to us or share their contact details with us unless you have their permission to do so.

How we use your personal information

We may use your personal information for the following purposes or as otherwise described at the time of collection:

Service delivery and operations.We may use your personal information to:

• provide and operate the Service and our business, including to aggregate and generate insights from your financial and investment data, including insights related to your spending habits, pension forecasting, liability/debt analysis, peer comparisons, among other things and to create a financial profile of you;
• personalizing the service, including remembering the devices from which you have previously logged in and remembering your selections and preferences as you navigate the Service
• establish and maintain your user profile on the Service
• facilitate your invitations to friends who you want to invite to join the Service;
• enable security features of the Service;
• communicate with you about the Service, including by sending Service-related announcements, updates, security alerts, and support and administrative messages; and
• provide support for the Service, and respond to your requests, questions and feedback.

Research, development and analytics.We may use your personal information to improve the Service and other products and services we may offer and our business, including through research and development purposes and data analysis. For example, we may use your personal information to analyze your usage of the Service and help us understand user activity on the Service, including which pages are most and least visited and how visitors move around the Service, as well as user interactions with our emails, and to develop new products and services.

Marketing and advertising.We may send you direct marketing communications and may personalize these messages based on your needs and interests. You may opt-out of our marketing communications as described in the Opt-out of marketing section below.

• Direct marketingWe may send you direct marketing communications and may personalize these messages based on your needs and interests. You may opt-out of our marketing communications as described in the Opt-out of marketing section below.
• Interest-based advertising.Our third-party advertising partners may use cookies and similar technologies to collect information about your interaction (including the data described in the automatic data collection section above) with the Service, our communications and other online services over time, and use that information to serve online ads that they think will interest you. This is called interest-based advertising. We may also share information about our users with these companies to facilitate interest-based advertising to those or similar users on other online platforms. You can learn more about your choices for limiting interest-based advertising in the Your choices section.

Compliance and protection.We may use your personal information to:

• comply with applicable laws, lawful requests, and legal process, such as to respond to subpoenas, investigations or requests from government authorities;
• protect our, your or others’ rights, privacy, safety or property (including by making and defending legal claims);
• audit our internal processes for compliance with legal and contractual requirements or our internal policies;
• enforce the terms and conditions that govern the Service; and
• prevent, identify, investigate and deter fraudulent, harmful, unauthorized, unethical or illegal activity, including cyberattacks and identity theft.

With your consent.In some cases, we may specifically ask for your consent to collect, use or share your personal information, such as when required by law.

To create aggregated, de-identified and/or anonymized data.We may create aggregated, de-identified and/or anonymized data from your personal information and other individuals whose personal information we collect. We make personal information into de-identified and/or anonymized data by removing information that makes the data identifiable to you. We may use this aggregated, de-identified and/or anonymized data and share it with third parties for our lawful business purposes, including to analyze and improve the Service and promote our business.

Cookies and similar technologies.In addition to the other uses included in this section, we may use the Cookies and similar technologies described above for the following purposes:

• Technical operation. To allow the technical operation of the Service, such as by remembering your selections and preferences as you navigate the site, and whether you are logged in when you visit password protected areas of the Service.
• Functionality To enhance the performance and functionality of our services.
• Advertising To help our third-party advertising partners collect information about how you use the Service and other online services over time, which they use to show you ads on other online services they believe will interest you and measure how the ads perform.
• Analytics To help us understand user activity on the Service, including which pages are most and least visited and how visitors move around the Service, as well as user interactions with our emails. [For example, we use Google Analytics for this purpose. You can learn more about Google Analytics and how to prevent the use of Google Analytics relating to your use of our sites here: https://tools.google.com/dlpage/gaoptout?hl=en.

RetentionWe generally retain personal information to fulfill the purposes for which we collected it, including for the purposes of satisfying any legal, accounting, or reporting requirements, to establish or defend legal claims, or for fraud prevention purposes. To determine the appropriate retention period for personal information, we may consider factors such as the amount, nature, and sensitivity of the personal information, the potential risk of harm from unauthorized use or disclosure of your personal information, the purposes for which we process your personal information and whether we can achieve those purposes through other means, and the applicable legal requirements.

When we no longer require the personal information we have collected about you, we may either delete it, anonymize it, or isolate it from further processing.

How we share your personal information

We may share your personal information with the following parties and as otherwise described in this Privacy Policy, in other applicable notices, or at the time of collection.

Our affiliates and partners.  We may share your personal information with affiliates (such as our parent, subsidiary or sister entities) and partners or enable our affiliates and partners to collect information directly via our Service. For example, we may share your personal information with capital management firms with which you hold certain assets, such as our parent company, Hoxton Capital Management and Hoxton Wealth, or other third-party financial or asset management institutions with which we partner.

Service providers.  Third parties that provide services on our behalf or help us operate the Service or our business (such as hosting, information technology, customer support, email delivery, marketing, consumer research and analytics).

Advertising partners.Third-party advertising companies for the interest-based advertising purposes described above.

Partners.We may share your personal information with partners or enable partners to collect information directly via our Service. For example, we may be integrated with a capital management firm with which you hold assets, in which case we may exchange your personal information with such firm.

Data aggregators,  We may share your personal information with our third-party financial data aggregators such as Yodlee, Inc. (“Yodlee”) and Salt Edge Limited (“Salt Edge”). For more information concerning Yodlee’s processing of your personal information, see Yodlee’s Privacy Notice located at https://www.yodlee.com/legal/privacy-notice. For more information concerning Salt Edge’s processing of your personal information, see Salt Edge’s Privacy Policy located at https://www.saltedge.com/pages/dashboard_privacy_policy.

Third-party integrations.  Third parties such as banks and other financial institutions that we integrate with and that you can log into through, or otherwise link to, your Service account. This data may include your username, financial and investment data, and other information associated with your account on that third-party service that is made available to us.

Business and marketing partners. Third parties with whom we co-sponsor events or promotions, with whom we jointly offer products or services, or whose products or services may be of interest to you.

Professional advisors.  Professional advisors, such as lawyers, auditors, bankers and insurers, where necessary in the course of the professional services that they render to us.

Authorities and others.Law enforcement, government authorities, and private parties, as we believe in good faith to be necessary or appropriate for the Compliance and protection purposes described above.

Business transferees  We may disclose personal information in the context of actual or prospective business transactions (e.g., investments in Wedge, financing of Wedge, public stock offerings, or the sale, transfer or merger of all or part of our business, assets or shares), for example, we may need to share certain personal information with prospective counterparties and their advisers. We may also disclose your personal information to an acquirer, successor, or assignee of Wedge as part of any merger, acquisition, sale of assets, or similar transaction, and/or in the event of an insolvency, bankruptcy, or receivership in which personal information is transferred to one or more third parties as one of our business assets.

We make commercially reasonable efforts to verify that the parties with whom our mobile application shares personal information provide a level of protection of personal information consistent with the practices described in this Privacy Policy, except that all such parties described above other than service providers and affiliates may, to the extent permitted by law, use personal information as described in their own privacy policies

Your choices

In this section, we describe the rights and choices available to all users. Users who are located in Europe can find additional information about their rights below.

Access or update your information If you have registered for an account with us through the Service, you may review and update certain account information by logging into the account.

Opt-out of communications. You may opt-out of marketing-related emails by following the opt-out or unsubscribe instructions at the bottom of the email, or by contacting us. Please note that if you choose to opt-out of marketing-related emails, you may continue to receive service-related and other non-marketing emails.

Cookies and similar technologies Most browsers let you remove or reject cookies. To do this, follow the instructions in your browser settings. Many browsers accept cookies by default until you change your settings. Please note that if you set your browser to disable cookies, the Service may not work properly. For more information about cookies, including how to see what cookies have been set on your browser and how to manage and delete them, visit www.allaboutcookies.org. You can also configure your device to prevent images from loading to prevent web beacons from functioning.

Blocking images/clear gifs: Most browsers and devices allow you to configure your device to prevent images from loading. To do this, follow the instructions in your particular browser or device settings.

Mobile location data. You can disable our access to your device’s precise geolocation in your mobile device settings.

Privacy settings We make available certain privacy settings on the Service, including options to disable individual financial account connections. You can do this by clicking on the ellipsis symbol at the end of each linked account.

Advertising choices. You may be able to limit use of your information for interest-based advertising through the following settings/options/tools:

• Browser settings.Changing your internet web browser settings to block third-party cookies.
• Privacy browsers/plug-insUsing privacy browsers and/or ad-blocking browser plug-ins that let you block tracking technologies.
• Platform settings.Google and Facebook offer opt-out features that let you opt-out of use of your information for interest-based advertising. You may be able to exercise that option at the following websites:
  • Google: https://adssettings.google.com/
  • Facebook: https://www.facebook.com/about/ads
• Ad industry toolsOpting out of interest-based ads from companies that participate in the following industry opt-out programs:
  • Network Advertising Initiative: http://www.networkadvertising.org/managing/opt_out.asp
  • Digital Advertising Alliance: optout.aboutads.info.
  • AppChoices mobile app, available at https://www.youradchoices.com/appchoices, which will allow you to opt-out of interest-based ads in mobile apps served by participating members of the Digital Advertising Alliance.

• Mobile settings Using your mobile device settings to limit use of the advertising ID associated with your mobile device for interest-based advertising purposes.

You will need to apply these opt-out settings on each device and browser from which you wish to limit the use of your information for interest-based advertising purposes.

We cannot offer any assurances as to whether the companies we work with participate in the opt-out programs described above.

Do Not Track. Some Internet browsers may be configured to send “Do Not Track” signals to the online services that you visit. We currently do not respond to “Do Not Track” or similar signals. To find out more about “Do Not Track,” please visit http://www.allaboutdnt.com.

Declining to provide information. We need to collect personal information to provide certain services. If you do not provide the information we identify as required or mandatory, we may not be able to provide those services.

Third-party integrations.  If you choose to connect to banks and other financial institutions with which we integrate through the Service, you may be able to use your settings in your account with that platform to limit the information we receive from it. If you revoke our ability to access information from a third-party platform, that choice will not apply to information that we have already received from that third party.

Delete your content or close your account. You can choose to delete certain content through your account. If you wish to request to close your account, please contact us.

Other sites and services

The Service may contain links to websites, mobile applications, and other online services operated by third parties. In addition, our content may be integrated into web pages or other online services that are not associated with us. These links and integrations are not an endorsement of, or representation that we are affiliated with, any third party. We do not control websites, mobile applications or online services operated by third parties, and we are not responsible for their actions. We encourage you to read the privacy policies of the other websites, mobile applications and online services you use.

Security

We employ technical, organizational and physical safeguards designed to protect the personal information we collect. However, security risk is inherent in all internet and information technologies and we cannot guarantee the security of your personal information.

International data transfer

We are headquartered in the United States and may use service providers or partner with companies that operate in other countries. Your personal information may be transferred to the United States or other locations where privacy laws may not be as protective as those in your state, province, or country.

Users in Europe should read the important information provided below about transfer of personal information outside of Europe.

Children

The Service is not intended for use by anyone under 18 years of age. If you are a parent or guardian of a child from whom you believe we have collected personal information in a manner prohibited by law, please contact us. If we learn that we have collected personal information through the Service from a child without the consent of the child’s parent or guardian as required by law, we will comply with applicable legal requirements to delete the information.

Changes to this Privacy Policy

We reserve the right to modify this Privacy Policy at any time. If we make material changes to this Privacy Policy, we will notify you by updating the date of this Privacy Policy and posting it on the Service or other appropriate means. Any modifications to this Privacy Policy will be effective upon our posting the modified version (or as otherwise indicated at the time of posting). In all cases, your use of the Service after the effective date of any modified Privacy Policy indicates your acknowledging that the modified Privacy Policy applies to your interactions with the Service and our business.

How to contact us

• Email ⁠clientportal-support@hoxtonwealth.com
• Mail: 111 Congress Avenue, Suite 500, Austin, TX 78701, United States