Welcome to Forecast, a mobile application ("App") designed to provide users with weather forecasts and related services. This Privacy Policy outlines how Forecast ("we", "us", or "our") collects, uses, shares, and protects your personal information. Your privacy and security are of utmost importance to us, and we are committed to ensuring the confidentiality and integrity of your information.

1. Personal Information We Collect:

a. Information You Provide to Us:

• Contact data: such as your first and last name, email address, billing and mailing addresses, and phone number.

• Government identifiers: such as national identification numbers (e.g., Social Security Number, tax identification number, passport number), state or local identification numbers (e.g., driver’s license or state ID number), and an image of the relevant identification card.

• Profile data: including the username, account number, and password for your Forecast account, date of birth, gender, education, employment details, biographical details, US residency/citizenship status, income, net worth, preferences, investment goals, financial experience, and information about your participation in our surveys.

• Billing data: such as payment card or bank account numbers used for payments or transfers through the Service.

• Financial data: information about your investment and financial history and interests provided through the Service or collected from financial accounts connected to the Service.

• Data about others: personal information of children or others provided when opening investment accounts through the Service on their behalf, and contact details of invitees for features that help users invite friends or contacts to use the Service.

• Transactional data: information relating to or needed to complete your orders on or through the Service, including transaction history and information about your investments.

• Communications: exchanged with you, including chat features, social media interactions, survey participation, or other feedback.

• Marketing data: information provided when participating in promotions or responding to ads or marketing messages.

b. Third-Party Sources:

• Financial accounts: information obtained from bank, credit card, and brokerage accounts when authorized by you.

• Public sources: including government agencies, public records, social media platforms, and other publicly available sources.

• Data providers: such as information services and data licensors providing demographic and other information.

• Affiliate brand partners: companies participating in promotional programs or sharing information about your use or purchases of their products and services.

• Marketing partners: joint marketing partners and event co-sponsors.

c. Automatic Data Collection:

• Device data: operating system type and version, device manufacturer and model, browser type, screen resolution, IP address, unique identifiers, language settings, and general location information.

• Online activity data: pages or screens viewed, time spent on pages or screens, website visited before browsing to the Service, navigation paths, access times, email interactions, and click-through rates.

• Precise location data: when authorized by you.

• Cookies and other technologies: employed for technical operation, functionality, analytics, and advertising purposes.

2. How We Use Your Personal Information:

a. Service Delivery: Providing, operating, and improving the Service, fulfilling requests, facilitating invitations, and personalizing user experience.

b. Marketing and Advertising: Sending marketing communications, conducting interest-based advertising, and administering promotional programs.

c. Research and Development: Analyzing and improving the Service, creating anonymous, aggregated, or deidentified data for lawful business purposes.

d. Compliance and Protection: Complying with laws, protecting rights and safety, enforcing terms and conditions, preventing fraud, and auditing processes.

3. How We Share Your Personal Information:

a. Affiliates: Sharing with corporate parent, subsidiaries, and affiliates for purposes consistent with this Privacy Policy.

b. Service Providers: Third parties providing services on our behalf or helping us operate the Service or our business.

c. Financial Institutions: Sharing with financial institutions to gather data and process funds transfers.

d. Advertising Partners: Third-party advertising companies for interest-based advertising purposes.

e. Affiliate Brand Partners: Sharing information for promotional programs and rewards.

f. Third Parties Designated by You: Sharing with third parties with your instruction or consent.

g. Other Parties: Authorities, professional advisors, business transferees, and others as necessary for compliance and protection purposes.

4. Your Choices:

a. Access or Update Your Information: Review and update information in your account settings.

b. Opt-Out of Marketing Communications: Follow opt-out instructions in marketing emails or contact us.

c. Mobile Location Data: Disable access in your device settings.

d. Cookies: Adjust browser settings to remove or reject cookies.

e. Interest-Based Advertising: Opt-out using browser settings, privacy browsers, ad-blocking plug-ins, or industry opt-out programs.

f. Do Not Track: Adjust browser settings to send "Do Not Track" signals.

g. Declining to Provide Information: Certain services may not be available if required information is not provided.

h. Close Your Account: Request account closure by contacting us.

5. Other Sites and Services:

a. Third-Party Links: We do not control websites, applications, or online services operated by third parties and encourage reviewing their privacy policies.

6. Security:

a. Safeguards: Employing technical, organizational, and physical safeguards to protect personal information.

7. International Data Transfer:

a. Transfers: Personal information may be transferred to other countries where privacy laws may differ.

8. Children:

a. Age Restriction: The Service is not intended for users under 18 years old, and we comply with legal requirements regarding children's privacy.

By using the Forecast App, you consent to the collection, use, and disclosure of your personal information as described in this Privacy Policy. If you do not agree with any aspect of this Privacy Policy, please do not use the App.

 

Personal information we collect

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

1. Contact data, such as your first and last name, email address, billing and mailing addresses, and phone number.

2. Government identifiers, 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), and an image of the relevant identification card.

3. Profile data, such as the username, account number and password for your Acorns account, date of birth, gender, education, employment details, biographical details, US residency/citizenship status, income, net worth, preferences, investment goals, financial experience, information about your participation in our surveys, and any other information that you add to your account profile.

4. Billing data, such as the payment card or bank account numbers that you use to make payments or transfers through the Service.

5. Financial data, such as information about your investment and financial history and interests that you provide through the Service and the information you authorize us to collect from the financial accounts that you connect to the Service.

6. Data about others, such as the personal information of any children or others that you provide when opening investment accounts through the Service on their behalf.  We also 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.

7. Transactional data, such as information relating to or needed to complete your orders on or through the Service, including transaction history and information about your investments.

8. Communications that we exchange with you, including when you contact us with questions or feedback, through the Service (including chat and other interactive features), social media, survey participation, or otherwise.

9. Marketing data, such as data you provide when participating in our promotions or in response to our ads or marketing messages.

10. We may also collect personal information not specifically listed above, which we will use as described in this Privacy Policy or as otherwise disclosed at the time of collection.

 

Third-party sources

We may combine personal information we receive from you with personal information we obtain from other sources, such as:

 

1. Your financial accounts, such as your bank, credit card and brokerage accounts, when you authorize us to collect your information from them.

2. Public sources, such as government agencies, public records, social media platforms, and other publicly available sources.

3. Data providers, such as information services and data licensors that provide demographic and other information.

4. Our affiliate brand partners, such as the companies that participate in our Acorns Earn program or other promotional programs who share with us information about your use or purchases of their products and services so we can credit your Acorns account with your earned rewards. You can learn more about Acorns Earn here: https://www.acorns.com/earn/.

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

 

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:

 

1. Device data, such as your computer’s 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, Bluetooth, LTE, 3G), and general location information that can be inferred from the foregoing, such as city, state or geographic area.

2. 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 or forwarded our emails or clicked links within them.

3. Precise location data when you authorize the Service to access your device’s location.

 

Cookies and other technologies.

The Services employ the following technologies, which facilitate some of the automatic collection described above:

 

1. Cookies, which are files that websites store on a visitor‘s device to uniquely identify the visitor’s browser or to store information or settings in the browser.  The Service employs both session cookies that expire when you close your browser and persistent cookies that remain stored on your device.  Some of the cookies on our services allow third parties like our service providers and advertising partners to collect data needed for the services they provide to us. The Service employs cookies for the following purposes:

2. 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.

3. Functionality. To enhance the performance and functionality of our services.

4. 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.

5. 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

 

You can learn about blocking cookies in the Your choices section below.

 

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

b. 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.

c. Mobile Application Software Development Kits (SDKs).  We may use SDKs in our mobile applications. A SDK is third-party computer code that we or our third party service providers or partners may use for a variety of purposes, including to provide us with analytics regarding the use of our mobile applications, to integrate with social media, add features or functionality to our app, or to facilitate online advertising.

d. Chat technologies.  We use chat technologies provided by third-party vendors that employ cookies and software code to operate the chat features you can use to communicate with us through the Service. We and such third-party vendors may monitor, record and use information about webpages visited on our website, your IP address, your general geographic information (e.g., city, state), and other information you share through online chats for the purposes described in this Privacy Policy.

 

 

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

We may use your personal information to:

 

a. provide, operate and improve the Service and our business;

b. fulfill your requests for products and services;

c. facilitate your invitations to friends who you want to invite to join the Service;

d. communicate with you about the Service, including by communicating with you through chat features, sending announcements, updates, security alerts, money alerts, and support and administrative messages;

e. understand your needs and interests, and personalize your experience with the Service and our communications; and

troubleshoot and provide support for the Service, and respond to your requests, questions and feedback.

 

Marketing and advertising

We, our service providers and our third-party advertising partners may collect and use your personal information for marketing and advertising purposes:

 

a. Direct marketing. We may send you direct marketing communications, including through text message or email.  You may opt-out of our marketing communications as described in the Opt-out of marketing section below.

b. Interest-based advertising.  We may engage third-party advertising companies that use cookies and other technologies to collect information about your interaction (including the data described in the automatic data collection section above) over time across the Service, our communications and other online services, and use that information to serve online ads that they think will interest you.  This is called interest-based advertising. We may also share users’ contact data 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 below.

c. Promotions. We use personal information to provide the promotional programs that we offer, such as the rewards we provide to participants in the Acorns Earn program or to users who refer friends or contacts to Acorns. We may provide these programs in collaboration with affiliate brand partners and other businesses, websites, mobile applications or third parties. Each such program will be subject to and governed by our Terms of Use, this Privacy Policy, and any other applicable rules or terms and conditions that we or the relevant third parties may post or make available to you.

d. Research and development.

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

 

Compliance and protection

We may use your personal information to:

 

a. comply with applicable laws, lawful requests, and legal process, such as to respond to subpoenas or requests from government authorities;

b. protect our, your or others’ rights, privacy, safety or property (including by making and defending legal claims);

c. audit our internal processes for compliance with legal and contractual requirements or our internal policies;

d. enforce the terms and conditions that govern the Service; and

e. prevent, identify, investigate and deter fraudulent, harmful, unauthorized, unethical or illegal activity, including fraud, cyberattacks and identity theft.

 

Retention

The length of time we retain particular categories of personal information is determined based on whether it is sufficient to fulfill the purposes for which we collected it, including to satisfy legal, regulatory, accounting, or reporting requirements, establish or defend legal claims, enforce our agreements, resolve disputes or fraud prevention.

 

 

 

How we share your personal information

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

 

Affiliates. Our corporate parent, subsidiaries, and affiliates, for purposes consistent with this Privacy Policy.

 

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

 

Financial institutions. Forecast uses Plaid Inc. (“Plaid”) to gather your data from financial institutions. By using the Service, you grant Acorns and Plaid the right, power, and authority to act on your behalf to access and transmit your personal and financial information from your relevant financial institution. You agree to your personal and financial information being transferred, stored, and processed by Plaid in accordance with the Plaid end user privacy policy. If you choose to apply for an Acorns VisaTM debit card, you understand that such card is issued by Lincoln Savings Bank or nbkc bank and you confirm acceptance of the applicable privacy policy of Lincoln Savings Bank or nbkc bank.  Acorns also uses financial institutions to process your ACH funds transfers from your funding source bank account to Acorns for use of the Service.

 

Gift Recipients and payment processors. If you access Acorns to transfer funds to an Acorns account holder through the Acorns Early Gifting feature, you authorize the sharing of your name, the status of your gift, and the amount of the transfer with the recipient Acorns account holder. Acorns partners with Stripe, a third-party payment processor, to facilitate your gifts. Acorns facilitates such transactions by collecting information from gift contributors necessary to enable the payment processing and submitting it to the processor. Use of this feature is governed by the Early Gifting Terms of Use: https://www.acorns.com/early-gifting-terms-of-use/.

 

 

 

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

 

Affiliate brand partners.  When you make a purchase on one of our affiliate brand partner sites, we may share information about you with those affiliate brand partners to operate the relevant promotional program, for example, so that we can credit your account with any earned rewards.

 

Third parties designated by you. We may share your personal data with third parties where you have instructed us or provided your consent to do so. For example, we may share your personal information with affiliate brand partners or other third-parties with whom we are collaborating in our promotional programs or to offer you additional services. We will share personal information that is needed for these other companies to make the promotion available, provide the services that you have requested and track participation in the promotion or service.

 

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.  Parties (and their advisors) to business transactions or proposed transactions involving a corporate divestiture, merger, consolidation, acquisition, reorganization, sale or other disposition of all or any portion of the business or assets of, or equity interests in, Acorns or our affiliates (including, in connection with insolvency, bankruptcy or similar proceedings).

 

 

 

Your choices

In this section, we describe the rights and choices available to all users. California residents can find additional information about their rights here and Nevada residents can find additional information here.

 

Access or update your information. If you have an Acorns account, you can review and update information in your account settings.

 

Opt-out of marketing 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.

 

If you receive text messages from us, you may opt out of receiving further text messages from us by replying STOP.

 

Mobile location data.

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

 

Cookies.

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, our websites may not work properly. For more information about cookies, including how to see what cookies have been set on your device and how to manage and delete them, visit www.allaboutcookies.org.  To opt-out of data collection through our analytics provider, Google Analytics, visit https://tools.google.com/dlpage/gaoptout.

 

Blocking web beacons.

Most browsers offer settings that allow you to configure your device to prevent images that would include web beacons/clear GIFs from loading.

 

Interest-based advertising.

Steps you can take to opt-out out of use of your personal information for interest-based advertising include:

 

Browser settings.  Blocking third-party cookies in your browser settings.

Privacy browsers/plug-ins. Using privacy browsers or ad-blocking browser plug-ins that let you block tracking technologies.

Platform settings. Using Google’s and Facebook’s opt-out tools to opt-out of their use of your information for interest based advertising:

Google: https://adssettings.google.com/

Facebook: https://www.facebook.com/about/ads

Ad industry tools.  Opting out of interest-based ads from companies participating 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 opt-out.  Please note that we also may work with companies that offer their own opt-out mechanisms and may not participate in the ad industry opt-out mechanisms that we linked to 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 except where we expressly indicate otherwise.  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.

 

Close your account.

To request that we close your Service account or delete your personal information associated with your account, please contact us to request account closure.  Certain personal information associated with your account may be retained after account closure in accordance with our data retention policies where required or permitted by applicable law.

 

 

 

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 and mobile applications and online services you use.  For example, when you navigate to the “Acorns Merch Shop”, you are leaving Acorns.com. The Acorns Merch Shop is hosted by Shopify Inc. and any use of such page is governed by the Shopify privacy policy found at https://www.shopify.com/legal/privacy.

 

 

 

Security

We employ, test and regularly re-evaluate reasonable technical, organizational and physical safeguards designed to protect the confidentiality, integrity and security of the personal information we collect, both when we receive it and during transit, such as by encrypting credit card numbers and other sensitive personal information that you enter into the Service.  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 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.

 

 

 

Children

The Service is not intended for use by children under 18 years of age. If we learn that we have collected personal information through the Service from a child under 18 in a manner prohibited by law, we will comply with legal requirements to delete it. We encourage parents or guardians with concerns to contact us.