Last updated: October 23, 2023
This Policy is provided to communicate how we and our affiliates collect, protect, use, share and retain your personal information when visiting our Site.
Please read this Policy before using our Site as continued navigation constitutes your agreement to the term of this policy.
Personal Information We Collect
We collect personal information from you when you visit, interact or register on our website and apps, respond to an advertisement on third party websites or call us. We may collect the following information:
Information you provide: email address, full name, telephone number, date of birth, address, employment, salary, etc.
Information from third parties: credit reporting data (accounts, pay history, balances), lead generation data.
Participation in contests or surveys: We collection personal information such as name, address, email address and phone number when you participate in contests or fill out surveys sponsored by us or our affiliates. Survey information collected may include characteristics, preferences, behaviors, attitudes, ability, intelligence predispositions, etc. We collect this information in order to improve our services, products and to improve our members’ experience with us.
Information from cookies or other tracking technologies:
Cookies are small blocks of data created by a web server while a user is browsing a website. This data is stored on your hard drive containing non-personally identifiable information about you. This data functions as your computer’s identification and enables us to improve your experience by maintaining your authenticated session and preferences. We and our third party vendors use “cookies” and similar tools to track your use of the Website when you use our services. Our systems automatically log information about your computer, tablet or phone.
We reserve the right to transfer and/or sell aggregate or group data about Users of the Site Offerings for lawful purposes. Aggregate or group data is data that describes the demographics, usage and other characteristics of Site Offerings Users as a group, without disclosing personally identifiable information.
Internet, device or other activity
We may collect certain non-personally identifiable information about you and your desktop computer, tablet or mobile device when you visit the Site. This non-personally identifiable information includes, without limitation, the type of browser that you use, your IP address, the type of operating system that you use and the domain name of your Internet service provider. We use the non-personally identifiable information that we collect to improve the design and content of the Site and to enable us to personalize your experience. We also may use this information in the aggregate to analyze usage of the Site.
Referring exit pages/Advertising
Use of Your Personal Information
Information we gather from you or third parties is used to:
Inform you about products or services we think you will be interested in
Facilitate the use of our Site
Improve our Site, product offerings or services
Consider you for the products/services we offer
Verify your eligibility, identity
Contact you regarding your inquiry, account or employment opportunities
Process payments on your behalf
Create and maintain login information for our Site
Monitor, conduct, improve analytics on our products, services and offerings
Internal administrative, security, relationship management
Send push notifications
Detect and protect against security incidents, malicious, deceptive, fraudulent or illegal activity
Sharing your Personal Information
Achieve.com may share your personal information with its own affiliates and nonaffiliated third parties as provided below. However, SMS opt-in data and consent will not be shared between Achieve affiliates nor with any nonaffiliated third parties.
Achieve shares your personal information with its own affiliates to consider you, or market to you, their products and services.
Achieve may provide your information to nonaffiliated third-party service providers who perform certain functions on our behalf. When we share your information with service providers, we require the security and confidentiality of your information as well as limiting their use of the information to reasonably carry out their work with us, including to comply with applicable state and federal laws.
Achieve may share your personal information with the following nonaffiliated third parties:
Financial services companies for marketing purposes as permitted by law. As noted above, however, SMS opt-in data and consent will not be shared.
Auditors, examiners, law enforcement
Credit reporting agencies
Protecting your Personal Information
Achieve.com takes the privacy and security of our visitors’ and members’ personal information seriously. We maintain industry standard technical and physical safeguards designed to safeguard your information. When you make personal information available to us, we protect it both while transmitting from your browser to our servers and while stored on our systems through encryption standards with advanced TLS (Transport Layer Security). Facilities where our systems are located can only be accessed by authorized individuals.
Please be advised, however, that while we take every reasonable precaution available to protect your data, no storage facility, technology, software, security protocols or data transmission over the internet or wireless networks can be guaranteed to be 100% secure. As such, we cannot warrant that your personal information will be absolutely secure.
You can also take precautions to keep your information safe. Following are some methods that can help:
Be cautions when using public networks or computers. Make sure to completely log out of accounts and clear caches after use.
Choose complex passwords
Don’t use things related to birthday, address, phone or any PIN
Use different passwords for each website
This Site may contain links to third-party owned and/or operated websites including, without limitation, websites owned and/or operated by Achieve.com’s service providers and/or marketing partners. We are not responsible for the privacy practices or the content of those websites/companies. These third-party websites and entities have separate privacy and data collection practices and Achieve.com has no responsibility or liability relating to them.
Additional Terms for Certain Digital Money Management Tools and Services Provided Through Achieve.com and its Affiliates
This User agreement contains the terms and conditions for your use of digital money management tools and services that we may provide to you through MX Technologies, Inc. and that involve accessing third party account information (“MX Services”). Hereinafter “you” “your” means the User and “us” “we” “our” or “Financial Institution” refers to Achieve.com and its affiliates.
Provide Accurate Information. You represent and agree that all information you provide to us in connection with the MX Services is accurate, current, and complete. You agree not to misrepresent your identity or account information. You agree to keep account information secure, up to date and accurate. You represent that you are a legal owner, or an authorized user, of the accounts at third party sites which you include or access through the MX Services, and that you have the authority to (i) designate us and our service providers as your agent, (ii) use the MX Services, and (iii) give us and our service providers the passwords, usernames, and all other information you provide.
Content You Provide. Your use of the MX Services is your authorization for Financial Institution or its service providers, as your agent, to access third party sites which you designate in order to retrieve information. You are licensing to Financial Institution and its service providers any information, data, passwords, usernames, PINS, personally identifiable information or other content you provide through the MX Services. You authorize us or our service providers to use any information, data, passwords, usernames, PINS, personally identifiable information or other content you provide through the MX Services or that we or our service providers retrieve on your behalf for purposes of providing the MX Services, to offer products and services, and for other permissible business purposes. Except as otherwise provided herein, we or our service providers may store, use, change, or display such information or create new content using such information.
Authority to Access Information. Unless and until this User agreement is terminated, you grant Financial Institution and its service providers the right to access information at third-party sites on your behalf. Third-party sites shall be entitled to rely on the authorizations granted by you or through your account. For all purposes hereof, you hereby grant Financial Institution and its service providers the right to access third-party sites to retrieve information, use such information, as described herein, with the full power and authority to do and perform each and every act and thing required and necessary to be done in connection with such activities, as fully to all intents and purposes as you might or could do in person. Upon notice to Financial Institution, you may (i) revoke Financial Institution’s right to access information at third party sites on your behalf, or (ii) subject to Section 7, request deletion of information collected from third party sites. You understand and agree that the MX Services are not sponsored or endorsed by any third-party site. YOU ACKNOWLEDGE AND AGREE THAT WHEN FINANCIAL INSTITUTION OR ITS SERVICE PROVIDERS ACCESS AND RETRIEVE INFORMATION FROM THIRD-PARTY SITES, THEY ARE ACTING AT YOUR REQUEST AND WITH YOUR PERMISSION AND AUTHORIZATION, AND NOT ON BEHALF OF THE THIRD-PARTY SITES.
Third Party Accounts. With respect to any third-party sites we may enable you to access through the MX Services or with respect to any non- Financial Institution accounts you include in the MX Services, you agree to the following:
You are responsible for all fees charged by the third party in connection with any non- Financial Institution accounts and transactions. You agree to comply with the terms and conditions of those accounts and agree that this User agreement does not amend any of those terms and conditions. If you have a dispute or question about any transaction on a non- Financial Institution account, you agree to direct these to the account provider.
Any links to third party sites that we may provide are for your convenience only, and Financial Institution and its service providers do not sponsor or endorse those sites. Any third-party services, which you may be able to access through the MX Services, are services of the listed institutions. We nor our service providers have responsibility for any transactions and inquiries you initiate at third party sites. The third-party sites you select are solely responsible for their services to you. We nor our service providers are liable for any damages or costs of any type arising out of or in any way connected with your use of the services of those third parties.
Limitations of MX Services. When using the MX Services, you may incur technical or other difficulties. We nor our service providers are responsible for any technical or other difficulties or any resulting damages that you may incur. Any information displayed or provided as part of the MX Services is for informational purposes only, does not represent an official record of your account, may not reflect your most recent transactions, and should not be relied on for transactional purposes. We and our service providers reserve the right to change, suspend or discontinue any or all of the MX Services at any time without prior notice. In the event that MX Services are discontinued, your information shall be retained in accordance with this Agreement and our privacy policies.
Acceptance of User Agreement and Changes. Your use of the MX Services constitutes your acceptance of this User agreement. This User agreement is subject to change from time to time. We will notify you of any material change via e-mail or on our website by providing a link to the revised User agreement. Your continued use will indicate your acceptance of the revised User agreement. The licenses, user obligations, and authorizations described herein are ongoing.
Aggregated Data. Anonymous, aggregate information, comprising financial account balances, other financial account data, or other available data that is collected through your use of the MX Services, may be used by us and our service providers to conduct certain analytical research, performance tracking and benchmarking. Our service providers may publish summary or aggregate results relating to metrics comprised of research data, from time to time, and distribute or license such anonymous, aggregated research data for any purpose, including but not limited to, helping to improve products and services and assisting in troubleshooting and technical support. Your personally identifiable information will not be shared with or sold to third parties.
Ownership. You agree that Financial Institution and its service providers, as applicable, retain all ownership and proprietary rights in the MX Services, associated content, technology, mobile applications and websites.
User Conduct. You agree not to use the MX Services or the content or information delivered through the MX Services in any way that would: (a) be fraudulent or involve the sale of counterfeit or stolen items, including but not limited to use of the MX Services to impersonate another person or entity; (b) violate any law, statute, ordinance or regulation (including without limitation those governing export control, consumer protection, unfair competition, anti-discrimination or false advertising); (c) create liability for Financial Institution or its service provider or cause Financial Institution to lose the services of our service providers; (d) access the information and content programmatically by macro or other automated means; or (e) use the MX Services in such a manner as to gain unauthorized entry or access to computer systems.
Indemnification. You agree to defend, indemnify and hold harmless Financial Institution, its third party service providers and their officers, directors, employees and agents from and against any and all third party claims, liabilities, damages, losses or expenses, including settlement amounts and reasonable attorneys' fees and costs, arising out of or in any way connected with your access to or use of the MX Services, your violation of these terms or your infringement, or infringement by any other user of your account, of any intellectual property or other right of anyone.
Disclaimer. The MX Services are not intended to provide legal, tax or financial advice. The MX Services, or certain portions and/or functionalities thereof, are provided as strictly educational in nature and are provided with the understanding that neither Financial Institutions nor its third-party providers are engaged in rendering accounting, investment, tax, legal, or other professional services. If legal or other professional advice including financial, is required, the services of a competent professional person should be sought. Financial Institution and its third-party providers specifically disclaim any liability, loss, or risk which is incurred as consequence, directly or indirectly, of the use and application of any of the content on this site. Further, Financial Institution and its third-party providers are not responsible for any credit, insurance, employment or investment decisions or any damages or other losses resulting from decisions that arise in any way from the use of the MX Services or any materials or information accessible through it. Past performance does not guarantee future results. Financial Institution and its third-party providers do not warrant that the MX Services comply with the requirements of the FINRA or those of any other organization anywhere in the world.
DISCLAIMER OF WARRANTIES. YOU AGREE YOUR USE OF THE MX SERVICES AND ALL INFORMATION AND CONTENT (INCLUDING THAT OF THIRD PARTIES) IS AT YOUR RISK AND IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS. WE, AND OUR SERVICE PROVIDERS, DISCLAIM ALL WARRANTIES OF ANY KIND AS TO THE USE OF THE MX SERVICES, WHETHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NONINFRINGEMENT. WE, AND OUR SERVICE PROVIDERS, MAKE NO WARRANTY THAT THE MX SERVICES (i) WILL MEET YOUR REQUIREMENTS, (ii) WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE, (iii) THE RESULTS THAT MAY BE OBTAINED FROM THE MX SERVICES WILL BE ACCURATE OR RELIABLE, (iv) THE QUALITY OF ANY PRODUCTS, SERVICES, INFORMATION, OR OTHER MATERIAL OBTAINED BY YOU THROUGH THE MX SERVICES WILL MEET YOUR EXPECTATIONS, OR (v) ANY ERRORS IN THE MX SERVICES OR TECHNOLOGY WILL BE CORRECTED. ANY MATERIAL DOWNLOADED OR OTHERWISE OBTAINED THROUGH THE USE OF THE MX SERVICES IS DONE AT YOUR OWN DISCRETION AND RISK AND YOU ARE SOLELY RESPONSIBLE FOR ANY DAMAGE TO YOUR COMPUTER SYSTEM OR LOSS OF DATA THAT RESULTS FROM THE DOWNLOAD OF SUCH MATERIAL. WE, ON BEHALF OF OURSELVES AND ALL THIRD PARTY DATA PROVIDERS, EXPRESSLY DISCLAIMS ANY TYPE OF REPRESENTATION OR WARRANTY REGARDING THE AVAILABILITY OR RESPONSE TIME OF THE MX SERVICES OR CONTENT OR INFORMATION OBTAINED THROUGH THE MX SERVICES OR THAT SUCH ACCESS WILL BE UNINTERRUPTED OR ERROR-FREE AND, EXCEPT AS EXPRESSLY PROVIDED FOR HEREIN, EXPRESSLY DISCLAIMS THE ACCURACY, COMPLETENESS AND CURRENCY OF ALL INFORMATION COLLECTED ON YOUR BEHALF. NO ADVICE OR INFORMATION, WHETHER ORAL OR WRITTEN, OBTAINED BY YOU FROM FINANCIAL INSTITUTION OR ITS SERVICE PROVIDERS THROUGH OR FROM THE MX SERVICES WILL CREATE ANY WARRANTY NOT EXPRESSLY STATED IN THESE TERMS.
LIMITATION OF LIABILITY. YOU AGREE THAT FINANCIAL INSTITUTION AND ITS THIRD PARTY SERVICE PROVIDERS WILL NOT BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR EXEMPLARY DAMAGES, INCLUDING, BUT NOT LIMITED TO DAMAGES FOR LOSS OF PROFITS, GOODWILL, USE, DATA OR OTHER LOSSES, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, RESULTING FROM (i) THE USE OR THE INABILITY TO USE THE MX SERVICES AT OUR WEBSITE/MOBILE APPLICATION OR OF ANY THIRD PARTY ACCOUNT PROVIDER'S WEBSITE/MOBILE APPLICATION; (ii) THE COST OF GETTING SUBSTITUTE GOODS AND SERVICES, (iii) ANY PRODUCTS, DATA, INFORMATION OR SERVICES PURCHASED OR OBTAINED OR MESSAGES RECEIVED OR TRANSACTIONS ENTERED INTO, THROUGH OR FROM THE MX SERVICES, (iv) UNAUTHORIZED ACCESS TO OR ALTERATION OF YOUR TRANSMISSION OR DATA, (v) STATEMENTS OR CONDUCT OF ANYONE ON THE MX SERVICES, (vi) THE USE, INABILITY TO USE, UNAUTHORIZED USE, PERFORMANCE OR NON-PERFORMANCE OF ANY THIRD PARTY ACCOUNT PROVIDER SITE, EVEN IF THE PROVIDER HAS BEEN ADVISED PREVIOUSLY OF THE POSSIBILITY OF SUCH DAMAGES, OR (vii) ANY OTHER MATTER RELATING TO THE MX SERVICES.
WAIVER OF JURY TRIAL AND CLASS ACTION. You agree that, with respect to any dispute with us or our service providers, arising out of or relating to your use of the MX Services or these terms: (i) YOU ARE GIVING UP YOUR RIGHT TO HAVE A TRIAL BY JURY; and (ii), TO THE EXTENT PERMITTED BY LAW, YOU ARE GIVING UP YOUR RIGHT TO SERVE AS A REPRESENTATIVE, AS A PRIVATE ATTORNEY GENERAL, OR IN ANY OTHER REPRESENTATIVE CAPACITY, OR TO PARTICIPATE AS A MEMBER OF A CLASS OF CLAIMANTS, IN ANY LAWSUIT INVOLVING SUCH DISPUTE.
Export Restrictions. You acknowledge that the MX Services and any software underlying such MX Services are subject to the U.S. Export Administration Regulations (15 CFR, Chapter VII) and that you will comply with these regulations. You will not export or re-export the software or MX Services, directly or indirectly, to: (1) any countries that are subject to U.S. export restrictions; (2) any end user who has been prohibited from participating in U.S. export transactions by any federal agency of the U.S. government; or (3) any end user who you know or have reason to know will utilize them in the design, development or production of nuclear, chemical or biological weapons. You further acknowledge that the MX Services may include technical data subject to export and re-export restrictions imposed by U.S. law.
Other Terms. You may not assign this User agreement. A determination that any provision of this User agreement is unenforceable or invalid shall not render any other provision of this User agreement unenforceable or invalid.
Acheive.com’ site is not directed or intended for individuals under 18 and does not knowingly solicit or collect information from visitors under 18. Visitors under 18 should not provide any personal identifiable information of any kind on our Site. If we learn or are notified that we have collected any information on someone under 18, we will promptly remove the data from our system.
Visiting our Website from Outside the United States
The Achieve.com site is intended to provide products and services inside the U.S and is governed by the laws of the U.S. If you are visiting the Site from outside the U.S., your communication with us may result in the transfer of your to leave your country. By visiting the Site and/or otherwise communicating electronically with us, you consent to such transfers, even if your jurisdiction does not have the same privacy laws as the jurisdiction where our servers are located, we will treat your information as subject to the protections of U.S. Law, this Policy and our Consumer Privacy Notice.
Changing or Updating your Information
Achieve.com relies on you to update and correct your personal information. If you find that our information about you is incorrect or incomplete and our Site does not permit you to update or correct certain information, contact us:
Email: [email protected]
You may opt out of some promotional or information sharing options the following ways:
To opt-out of receiving e-mails from us, you can: a) click on “unsubscribe” in the footer of any e-mail message, or b) e-mail us at: [email protected], or c) call us at 833-435-2060.
To opt out of information sharing, you can: a) email us at [email protected] or b) call us at 833-435-2060. We may or may not be able to honor your request if you have an account with us.
Text message/Push Notifications:
To opt out of text/push notifications, by replying “STOP” to the notification. Or you can call/email us as noted above.