Last modified: June 8, 2022
We know that you care how information about you is used and shared, and we appreciate your trust that we will do so carefully and sensibly. This Privacy Policy describes the privacy practices of Hero Innovation Group ("Hero", "we", "our" and "us") and applies to your use of the products and services we offer (collectively, the "Services"). We provide the Services through our mobile applications, web based applications and our websites at www.HeroInnovationGroup.com, www.SideKickCard.com and www.herofinancials.com (collectively, the "Account"). By using the Services, you accept the practices described in this Privacy Policy.
This Privacy Policy explains:
Information We Collect
We collect information to provide, personalize and continually improve the Services and provide the best experience. This includes helping us to present relevant information to you within the Hero App and recognizing when you should receive discounts, incentives, rewards and other offers for an action you have taken.
While using the services gathered data further aims to prevent fraud and remain in compliance with data privacy and finance regulations such as, but not limited to, FINTRAC, AML, GDPR and LGPD.
We collect information in three ways:
1. Information you give us. Many of the Services require you to sign up for an Account. When you do, we will ask for personal information, such as your name, company name, address, email address, telephone number and/or loyalty, prepaid, debit or credit card information to store with your Account. To complete transactions using the Services, you will need to provide the account and card details for one or more loyalty, prepaid, debit or credit cards held by you. We will also retain feedback and social media information posted by you in connection with the Services.
2. Information we obtain from your use of the Services. We may collect information regarding your use of the Services including:
3. Information we obtain from our partners. Your name and the name of any additional cardholder associated with any loyalty, prepaid, debit or credit card linked to your Account is received from the issuer of the card when it is linked to your Account. These details allow you to use other funding sources, access loyalty, points, discounts, incentives, rewards and other offers or benefits, and enable us to process transactions using the correct source of funds.
Information we collect when you use the Services, in addition to information we obtain about you from our partners, may be associated with your Account. When information is associated with your Account, we treat it as personal information.
Information Security
We work hard to protect our users from loss, interference, misuse and unauthorized access to, modification of and disclosure of information we hold. In particular:
How We Use Information We Collect
We use the information collected about you to provide, maintain, protect and improve the Services, and to develop new products and services. We also use the information to protect you, other users and Hero.
Specific examples of the way we use your information include:
We may use the name for your Account across all of the Services. In addition, we may replace past names associated with your Account so that you are represented consistently across all the Services.
When you contact us, we keep a record of your communication to help solve any issues you might be facing. We may use your telephone number to send you notifications and information relating to actions you have taken. We may also inform you about our services through email, SMS, push notifications or within the Hero App, such as letting you know about upcoming changes or improvements.
We use information we collect and may combine information from any of the Services with information, including personal information, from other Hero services to improve your user experience and the overall quality of our services.
We will ask for your consent before using information for a purpose other than those that are set out in this Privacy Policy.
Information We Share
We do not share personal information with companies, organizations and individuals outside of Hero unless one of the following circumstances applies:
Transaction processing, including processing discounts, incentives, rewards and other offers
Legal reasons
Aggregated/anonymised data
Program operators
Corporate transactions
With your consent
Our Communications with You
Among other things, we will communicate with you on a regular basis via email, SMS push notifications or within the Hero App. We may also communicate by phone to resolve user complaints or investigate suspicious transactions. Communications will be made for various reasons, including sending records of transactions requested or made, sending information about important changes to the Services, and to send notices and other disclosures required by law. You agree to receive such communications electronically until you advise us otherwise. We may send you promotional messages about new services, discounts, incentives, rewards and other offers or opportunities that may interest you. If you do not want to receive promotional messages or other communications from us, please adjust the settings within the Hero App or under your Account. However, we reserve the right to send you notices for customer service reasons, including notices about your account or transactions using the Services. Also, to help us make communications more useful and interesting, we may receive a confirmation when you open or receive communications from us.
Accessing and Updating Your Personal Information
Whenever you use the Services, we aim to provide you with access to your personal information. If that information is incorrect, we provide ways to update it quickly or to delete it (unless we need to keep that information for legitimate business or legal purposes). When updating or correcting your personal information, we may ask you to verify your identity before we can act on your request.
We may reject requests for access to or to correct your personal information if they are unreasonably repetitive, require disproportionate technical effort (for example, developing a new system or fundamentally changing an existing practice), risk the privacy of others, or we are legally obligated to do so.
Where we can provide you with access to your personal information, we will do so for free, unless providing the information means we will incur an unreasonable cost. In such cases, we may charge you a fee commensurate with such cost but will advise you of any such charge in advance.
We aim to maintain our services in a manner that protects your personal information from accidental or malicious destruction. Because of this, after you delete any such information from the Services, we may not immediately delete residual copies from our active servers and may not remove information from our backup systems to ensure compliance with regulations such as FINTRAC.
When This Privacy Policy Applies
This Privacy Policy applies to all of the services we offer, both directly and through our subsidiaries and affiliates, and any services offered by any of them on other sites and through other mobile apps. This Privacy Policy excludes services that have separate privacy policies which do not specifically reference or incorporate this Privacy Policy.
This Privacy Policy does not apply to services offered by other persons, including sites that may include Hero services, or other sites linked from our services unless those services specifically reference or incorporate this Privacy Policy. This Privacy Policy does not cover the information practices of other persons who advertise our services.
Opting Out, Corrections and Complaints
Upon request, we will (a) correct or update your personal information; (b) stop sending communications to you via email, SMS or push notifications; (c) stop disclosing non-public personal information about you to non-affiliated third parties; or (d) disable your account. Some of these requests can be satisfied by changing settings within the Hero App. To the extent that you are unable to do so within the Hero App, you may submit such requests to:
Hero Innovation Group. Attn: Privacy Officer 170 – 422 Richards Street Vancouver, BC V6B 2Z4
Email: privacy@herofinancials.com.
Please do not email or mail your account number or other sensitive information.
We may need to communicate with you about certain issues that we are legally permitted to regardless of your desire to opt out of receiving such communications; accordingly, you will be unable to opt out of these communications.
You may also register any complaints pertaining to the use by us of your personal information not in accordance with this Privacy Policy in the above manner.
Compliance and Cooperation with Regulatory Authorities and Complaints
We regularly review our compliance with this Privacy Policy. We also adhere to several self- regulatory frameworks.
We will work with appropriate regulatory authorities, including local privacy protection authorities, to resolve any complaints regarding the transfer of personal information that we cannot resolve with our users directly.
Changes
This Privacy Policy may change from time to time. We will not reduce your rights under this Privacy Policy without your explicit consent. We will post any privacy policy changes on this page and, if the changes are significant, we will provide a more prominent notice (including, for certain services, email notification of Privacy Policy changes). We will also keep prior versions of this Privacy Policy in an archive for your review.
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