Privacy Policy

Commitment to Privacy

Personal Information in this Privacy Statement means information about you. We at Moshe care about how your Personal Information is used and disclosed, and we take your privacy seriously. The Moshe Privacy Statement describes how we manage Personal Information and maintain our commitment to your privacy. Our Privacy Statement is also available on the home page of our website at: https://moshepay.com/.

We do not sell Personal Information to third parties for money or share your Personal Information for cross context behavioral advertising.

Overview

Moshe is a simple and convenient event planning and expense reimbursement tool. To use the Moshe app, limited Personal Information is requested including name, email address, and phone number. Event organizers create events and invite friends and family to participate in the events. Events created by organizers can only be viewed by the invited participants who have elected to join the event. Event information is only shared amongst event participants. PayPal is the underlying payment processing platform used for the transfer of funds between the event organizer and event participants. A valid, functioning PayPal account is required by all event participants for the proper functioning of the Moshe app. PayPal operates separate from Moshe and Moshe does not collect or store any data related to the functioning of PayPal. We may also collect information about the types of events and the underlying expenses, or the groups you create. We may use this information to help improve and secure our service and to show ads based on your usage of our services.

Applicability of Privacy Statement

This Privacy Statement applies to all Moshe websites, mobile applications, and/or online services (collectively Moshe or Moshe app), that link to or reference this Privacy Statement. It covers your Personal Information that is provided or collected using the Moshe app and how we use that information in connection with the Moshe app. Moshe will be updating our services so we may occasionally update this Privacy Statement to reflect those changes to the Moshe app, or applicable laws. If the revised version requires notice in accordance with applicable law, we will provide you with 30 days prior notice by posting notice of the change on the "Privacy Statement" page of our website and mobile apps, otherwise the revised Privacy Statement will be effective as of the published effective date. Throughout this Privacy Statement, we use the term "personal information" to describe information that can be associated with a specific person and can be used to identify that person. We do not consider Personal Information to include information that has been aggregated and/or anonymized so that it does not identify a specific person.

Please read this Privacy Statement carefully to understand Moshe’s policies and practices regarding your information and how Moshe will treat it. If you do not agree with Moshe’s policies and practices, your choice is not to use the Moshe app. By accessing or using the Moshe app, you agree to this Privacy Statement. This Privacy Statement may change from time to time (see the Changes to Moshe’s Privacy Statement section below). Your continued use of the Moshe app after Moshe makes changes is deemed to be acceptance of those changes, so please check the Privacy Statement periodically for updates.

Children’s Use of Moshe

The Moshe app is not intended for and should not be used by children under the age of 18. We do not knowingly collect information, including Personal Information, from children under the age of 18 or other individuals who are not legally able to use our Services. If we obtain actual knowledge that we have collected Personal Information from someone not allowed to use our Services, we will promptly delete it, unless we are legally obligated to retain such data. Please contact us if you believe that we have mistakenly or unintentionally collected information from someone not allowed to use our Services.

Information We Collect and How it is Used

Registration and Profile Information

When you sign up for an account with Moshe, you will be asked for registration information:

· Name – used to identify yourself to the other event participants.

· Email address – used for correspondence with Moshe, correspondence with and among event participants, and to receive event notifications. Email address is also used as a unique identifier in conjunction with the user’s password to authenticate the user on the Moshe app.

· Mobile phone number – used for verification of account access and to receive event notifications. 

· Account password - unique identifier used in conjunction with the user’s email address to authenticate the user.

· Optional profile picture – used to help identify yourself to other event participants.  

User’s profile information can be changed at anytime by selecting “Profile” from the Moshe app’s menu options.  

Other User-Provided Information

Other user-provided information is only shared with the other participants for the events that you have either organized or elected to participate in. You are solely responsible for information provided and shared with the other event participants. Other User-Provided Information includes: 

· Event name and optional event image.

· Names and associated emails of the event participants.

· Expense types and optional expense image.

· Event dates and event participation deadline dates.

· Correspondence between event participants via group chats.

· Event organizers can view amounts paid by and amounts due from the event participants on an individual and event summary basis. 

· Event organizers can view refund and adjustment amounts due to or due from event participants on an individual and event summary basis including optional refund/adjustment messages. 

· Information you provide when you contact us – your optional responses to our surveys, recorded conversations with us, chat conversations with us, email correspondence with us, account status, and information about others if you choose to share it with us.

• Information about how you use Moshe, such as the types of events and underlying shared expenses, and the Moshe features you use.
• Inferred information about you such as your preferences and shopping behavior, based on your transactions and interactions with Moshe.
• Other information you provide such as responses to our surveys or questionnaires. 

Why Do We Collect Your Data? 

 We collect and store the information you provide to use as necessary for the successful operation of the Moshe app and to improve our services and functionality of Moshe. 

How Do We Use the Personal Data We Collect?

Personal Information

Our primary business purpose in collecting Personal Information is to provide you with the best possible experience with the Moshe app. We may use your Personal Information:

• To provide the services  and customer support you request.
• For correspondence between event participants.
• To initiate payment request transactions, refunds or adjustments with event participants.
• Send notices and updates about payment transactions to yourself and other event      participants.
• To prevent potentially fraudulent, prohibited, or illegal activities, and enforce our      Terms of Service.
• To improve our services through the content, layout and functionality of the Moshe app and Moshe website.
• To communicate with you:

- About updates to our Terms of Service and Privacy Statement.

- About updates to the Moshe app and Moshe website.

- About new products and services we are offering.

- To verify your identity in the event you contact us for assistance.

- To alert you to software compatibility issues.

• For Legal Matters:

- To respond to subpoenas, court orders, or legal process;

- In order to investigate, prevent, defend against, or take other action regarding violations of our Terms of Service, illegal activities, suspected fraud, or situations involving potential threats to the legal rights or physical safety of any person or the security of our network;

- To respond to claims that any posting or other content violates the rights of third parties;

- In an emergency, to protect the health and safety of Moshe or the general public; or

- As otherwise required by any applicable law.

• For a business transfer - If our company or our assets are acquired by another      company, or in the event of a merger, consolidation, change in control, transfer of substantial assets, reorganization, or liquidation, we may transfer, sell, or assign to third parties, information concerning your relationship with us, including, without limitation, Personal Information that you provide and other information concerning your relationship with us. Such third parties will assume responsibility for the Personal Information collected by us in connection with the operation of Moshe and will assume      the rights and obligations regarding such information as described in this Privacy Statement and according to applicable regulations.
• Personalized advertising - Where permitted by Applicable Law, we may use your      email/phone, location, usage and expense information to show you specific      advertisements or offers on our own site that we believe may be of interest to you. For instance, we may show ads for sporting equipment if your events appear to include sporting events or sporting venues.

Non-identifiable information

We may disclose aggregated information or other non-Personal Information that does not personally identify you in any other manner, to third parties for their research, marketing, and promotional purposes and to help us determine how we can further improve Moshe. 

How Do We Protect the Information We Collect?

We store and process your Personal Information using third party servers located in data centers in the United States. This information is protected by physical, electronic and procedural safeguards in compliance with applicable US federal and state laws and regulations. We also use computer safeguards such as firewalls and data encryption, we enforce physical access controls to our office and files, and we authorize access to Personal Information only for those employees who require it to fulfill their job responsibilities. We strive to ensure security on the systems we use. Despite our efforts, we cannot guarantee that Personal Information may not be accessed, disclosed, altered or destroyed by breach of our administrative, managerial and technical safeguards. Therefore, we urge you to take adequate precautions to protect your Personal Information as well, including never sharing your Moshe password with anyone. If Moshe learns of a systems security breach, we may attempt to notify you electronically so that you can take appropriate protective steps. By using Moshe, you agree that Moshe may communicate with you electronically. Moshe may post a notice on the website or mobile applications if a security breach occurs. We may also send an email to you at the email address you have provided to us. Depending on where you live, you may have a legal right to receive notice of a security breach in writing. To receive free written notice of a security breach (or to withdraw your consent from receiving electronic notice of a security breach), please email us at https://moshepay.com/.

Choice and Access to Your Personal Information

You may access, review, and update the Personal Information you have submitted to us at any time. You can make changes to your Personal Information from your Profile page on the Moshe app or Moshe website.

Deleting Your Account

You may choose to close your account at any time. You can close your account from your Profile page, or request that we close it for you by writing to us at https://moshepay.com/. When you close your account in this way, we may allow you to reactivate it by emailing us at moshe@moshepay.com.

How Long Do We Store Your Personal Information?

We retain your Personal Information for as long as needed or permitted in context of the purpose for which it was collected and consistent with applicable law. The criteria used to determine our retention period is as follows:

• Personal Information used for the ongoing relationship between you and Moshe is stored for the duration of the relationship, unless we need to keep it longer, such as:
  • a legal obligation or compliance with laws to which we are subject is retained consistent with the applicable law, such as under Anti-Money Laundering obligations
  • litigation, investigations, audit, and compliance practices, or to protect against       legal claims.

Phishing

Identity theft and the practice currently known as "phishing" are of great concern to Moshe. Safeguarding information to help protect you from identity theft is a top priority. We do not and will not, at any time, request any financial information, your account ID, login password, or national identification numbers in a non-secure or unsolicited e-mail or telephone communication. For more information about phishing, visit the Federal Trade Commission's website at http://www.ftc.gov.

How Do We Use Cookies and Similar Technologies?

Cookies are small files or text files that web servers send to browsers and store on your computer or browser. Their purpose is to remember information about you, similar to a preference file created by a software application. Moshe does use cookies to recognize you as a customer only on the Moshe website. 

Changes to Moshe’s Privacy Statement

It is our policy to post any changes to Moshe’s Privacy Statement on this page. Changes are effective immediately upon posting. The date the Privacy Statement was last revised is identified at the top of the page. If Moshe makes material changes to how Moshe treats users' Personal Information, Moshe will notify you via the email you provided in your profile setup. You are responsible for ensuring Moshe has an up-to-date active and deliverable email address for you, and for periodically visiting the Moshe app and this Privacy Statement to check for any changes.

How to Contact Us

If you have questions or concerns regarding Moshe’s Privacy Statement, please contact us at: https://moshepay.com/