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Online Privacy Policy

Last Revised: August 4, 2022

PLEASE READ THIS PRIVACY POLICY CAREFULLY. This Privacy Policy outlines how ShoulderTap Technologies Inc. doing business as Fizz (“Fizz”, “we”, “our’ or “us”) collects, uses stores, and protects the privacy of personal information of any individual who visits our web site or opens an account with Fizz. YOU ACCEPT THIS PRIVACY POLICY BY USING OUR PRODUCTS AND SERVICES ON OUR WEBSITE OR THROUGH ANY OTHER MEANS (COLLECTIVELY THE “SERVICES"). We may amend this Privacy Policy at any time by posting a revised version on our website. We will attempt to give a reasonable notice period upon making any changes; however, unless otherwise stated, the revised version will be effective at the time we post it. www.joinfizz.com may contain links to other Web sites. This Privacy Policy applies only to information collected on www.joinfizz.com and does not govern the information practices or the content of such other Web sites. Fizz encourages you to review the Privacy Policies of other Web sites to understand their information practices.

1.   Services Covered

This Privacy Policy covers our privacy practices with regards to (“you” or “user”): (i) visitors of our website linking to this Privacy Policy; (ii) users of the services offered through our website and mobile application linking to this Privacy Policy (e.g., submission of application, etc.) (“Web site” and “App” respectively). When sites are posted by third parties, the Privacy Policy of the third party applies, and this Privacy Policy does not apply. 

www.joinfizz.com may contain links to other Web sites. This Privacy Policy applies only to information collected on www.joinfizz.com and does not govern the information practices or the content of such other Web sites. Fizz encourages you to review the Privacy Policies of other Web sites to understand their information practices.

2.   Information We Collect

2.1. Personal Information

Fizz will collect your personal information in order to offer you our products and services. When we mention “personal information,” we mean information that specifically identifies you. This information can be provided to us by you, registering to use our services or platform. This information can include personal information, such as:

  • Name 
  • Address 
  • Phone number 
  • Email address 
  • Social Security Number or Taxpayer Identification Number 
  • University Enrollment and Graduation Year

2.1.1. Information Obtained from your use of services

When you visit the Fizz website or use our Services, we may collect information sent to us by your computer, mobile device, or any other device. This information may include your device information including but not limited to identifier, name and type, operating system, location,   mobile   network   information   and   standard   web   log   information,   such   as   your browser type, traffic to and from our site, the pages you accessed on our website, and any other available information. We may also collect information about your use and interaction with our website, application or the Services. We may also collect information about you from any contact you have with any of our services or employees, such as, with our customer support team, in surveys, or through interactions with our affiliates.

2.1.2. Cookies

We use cookies to collect and store information when you use the Services, and this may include sending one or more cookies or device identifier. When a user visits the Web site, Fizz’ servers send a cookie to the user’s computer. 

Fizz uses session cookies containing encrypted information to allow Fizz to uniquely identify you each time you log into theWeb site. Fizz also uses persistent cookies to identify browsers that have previously visited Fizz’s Web site. 

2.1.3. Web Beacons

Fizz uses web beacons alone or in conjunction with cookies to compile information about users’ usage of the Web site. Web beacons are clear electronic images that can recognize certain types of information on your computer, such as cookies, when you viewed a particular Web site tied to the web beacon, and a description of a Web site tied to the web beacon. Fizz uses web beacons to operate and improve the Company's Web sites and e-mail communications. Fizz may use information from web beacons in combination with data about users to provide you with information about Fizz.

2.1.4. Geolocation

Fizz uses web beacons alone or in conjunction with cookies to compile information about users’ usage of theWeb site. Web beacons are clear electronic images that can recognize certain types of information on your computer, such as cookies, when you viewed a particular Web site tied to the web beacon, and a description of a Web site tied to the web beacon. Fizz uses web beacons to operate and improve theCompany's Web sites and e-mail communications. Fizz may use information from web beacons in combination with data about users to provide you with information about Fizz.

2.1.6. IP Addresses

When you visit the Web site, Fizz collects yourInternet Protocol (“IP”) addresses to track and aggregate non-personally identifiable information. For example, Fizz uses IP addresses to monitor the regions from which users navigate the Website and mobile App.

3. Protecting Personal Information Collected

Fizz is committed to protecting the confidentiality of your information and online transactions. We maintain physical, electronic and procedural safeguards designed to protect your personal information. We have security procedures in place to safeguard against loss, theft, unauthorized access, destruction, misuse, and modification of this information after we receive it.

In order to help us in securing your information, you should choose a strong password for your account with Fizz, and never share your password with anyone. Your password is not known to any Fizz employee or third party, and we will never ask for your password by phone or email.

4. Use of Information

We may use your personal information to send you information while we process your application and verify your identity. We may also use your contact information to provide you with information about other Fizz products and services. Fizz and our service providers may also collect information that is about you and may use this aggregated information in the administration of our App to improve its usability, evaluate the success of particular marketing and advertising campaigns, and help optimize our App based on your needs.

Fizz does not disclose any personally identifiable information about consumers to anyone, except as permitted or required by law. For example, personally identifiable information about a user may be used to facilitate the provision of the Services, or shared to comply with any law, regulation, audit or court order. We also share information with our service providers, for example to conduct analytics or to look for ways to improve your customer experience. We never sell your information. 

We will use your Personal Information as described below and elsewhere in the policy to offer our Services, including:

  • To respond to your questions, provide related customer services and to administer your Fizz account; 
  • To offer or improve our Services; 
  • To assess your needs and interests in order to better tailor offers and/or advertising;
  • To authenticate your access to your Fizz account; 
  • To analyze your transactions; 
  • To communicate with you about your Fizz account and the Services; 
  • To detect and prevent fraud or other abuse of our Services;
  • To notify you of any changes to our Services; 
  • To monitor and protect the security of our information, systems and network; and
  • To enforce our Terms of Use.

5.   Sharing of Personal Information Collected

Fizz may share personal information about Fizz customers with Fizz’s employees, agents, affiliates, vendors, partners, and third parties as required to offer, enhance, and troubleshoot the Fizz Services, for other reasons as required by law, and/or to comply with a judicial proceeding, court order, or legal process. Fizz does not share, sell, rent, or trade personally identifiable information with third parties for their promotional purposes.

6. Opt Out Rights

If you do not wish to receive offers or other notices from us in the future, you can "opt out" by contacting us as indicated at the end of this Privacy Policy or by following the "unsubscribe" instructions in any communication you receive from us. Please be aware that you are not able to opt out of receiving communications about your Fizz account.

7. Choices to Limit the Sharing of Personal Information

Please refer to the table below to review your information sharing choices as a Fizz customer:

ShoulderTap Technologies Inc. (“Fizz”)          

U.S. Consumer Privacy Notice

FACTS
WHAT DOES FIZZ DO WITH YOUR PERSONAL INFORMATION?
Why?
Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.
What?
The types of personal information we collect and share depend on the product or service you have with us. This information can include:
● Your name, address, and other contact information;
● Your Taxpayer Identification Number and date of birth;
● Account balances, income, transaction history, and similar financial information; and
● Device information, including your IP address, MAC address, and device ID.
How?
All financial companies need to share customers’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers’ personal information; the reason Fizz chooses to share; and whether you can limit this sharing.
Reasons we can share your personal information
Does Fizz share?
Can you limit this sharing?
Yes
For our everyday business purposes –such as to process your transactions, maintain your account(s), respond to court orders and legal investigations
Yes
No
For our marketing purposes –
to offer our products and services to you
No
No
For joint marketing with other financial companies
We don't share
For our affiliates’ everyday business purposes –
information about your transactions and experiences
No
We don't share
For our affiliates to market to you
No
We don't share
For non-affiliates to market to you
No
We don't share
Questions?
Call +1 (940) 260-2704 or go to www.help.joinfizz.com

Who we are

Who is providing this notice?

ShouldTap Techologies Inc. (“Fizz”)

What we do

How does Fizz protect my personal  information?

To protect your personal information  from unauthorized access and use, we use reasonable security measures that  comply with industry standards.  These  measures include computer safeguards and secured files and buildings.

How does Fizz collect my personal  information?

We collect your personal  information, for example, when you

  • Provide account information or give us your contact  information
  • open an account
  • make deposits or withdrawals from your account

We also collect information about  you from others, such as affiliates and other companies.

Why can’t I limit all sharing?

Federal law gives you the right to limit only:

  • affiliates from using your information to market to you
  • sharing for nonaffiliates to market to you
  • for joint marketing with other financial companies

State laws and individual companies may give you additional rights to limit sharing. See below for more on your rights under state  law.

Definitions

Affiliates - Companies related by common ownership or control. They can be financial and nonfinancial companies.

Nonaffiliates - Companies not related by common ownership or control. They can be financial and nonfinancial companies.

  • Nonaffiliates with whom we may share can include (i) other financial services companies (including other financial institutions, such as banks) and (ii) non-financial service providers such as hosting platforms, loyalty programs, KYC/AML and fraud protection vendors, sanctions screening vendors, data processors, marketing partners, and API integrators.

Joint marketing - A formal agreement between nonaffiliated financial companies that together market financial products or services to you. Fizz does not perform joint marketing.

 

Other important information

For California and Vermont residents: We will not share information we collect about you with affiliates or non-affiliates, except as permitted by applicable law in your state.

8. Changes to this Privacy Policy

Fizz reserves the right to change this Privacy Policy at any time. Your continued use of the Web site after any changes are posted will be deemed to constitute your agreement to and acceptance of such changes to this Privacy Policy.

9. Contacting Us

Questions regarding this Privacy Policy or the information practices of Fizz’ Web site should
be directed to Fizz at support@joinfizz.com.