Consumer Consent Agreement

Effective Date: December 1, 2024

1. Introduction

Welcome to RefundIQ ("RefundIQ," "we," "us," or "our"). By registering for an account and using our web application (the "Platform"), you acknowledge and agree to the terms of this Consumer Consent Agreement (the "Agreement"). This Agreement outlines how we collect, use, and protect your personal data. If you do not agree with any part of this Agreement, please do not use or register for our Platform.

2. Overview of Data Collection

2.1 Data We Collect

When you register and use our Platform, we may collect and process various types of information, including but not limited to:

  • Personal Information:
    Full name, email address, and Google profile image.
    Note: We do not collect your phone number from Google.

  • Email Data via Gmail Read-Only Access:
    With your explicit authorization, we access non-personally identifiable information related to refunds, returns, exchanges, credits, subscriptions, and shipping or order confirmations.

  • Financial Information via Secure Integrations:
    With your consent, we connect to services like Plaid to securely access financial account and transaction metadata, and to Stripe for subscription billing and payment record verification.

  • Usage Data:
    Information about your interactions with our Platform, such as IP address, browser type, device information, and activity logs.

  • Cookies & Similar Technologies:
    To personalize user experience and improve the functionality of our Platform.

2.2 Purpose of Collection

At RefundIQ, our primary objective is to provide you with comprehensive post-transaction monitoring and analysis to keep you informed about your financial activities. Specifically, we:

  • Monitor Refund Processes:
    We track your refund requests and the corresponding credits to your bank and credit card accounts. If a refund isn't issued within the expected timeframe, we notify you of the potential issue. Conversely, when a refund is successfully processed, we provide confirmation to offer you peace of mind.

  • Track Recurring Charges:
    We keep you informed about all recurring charges, including subscriptions and automatic payments, ensuring you are aware of ongoing financial commitments.

  • Identify Billing Variances:
    By analyzing your transactions, we detect discrepancies between expected and actual charges, alerting you to any potential overcharges or unexpected fees.

Through these services, RefundIQ aims to enhance your financial awareness and empower you to address any issues promptly, contributing to your overall financial well-being.

3. Consent to Data Use

3.1 Consent to Process Data

By creating an account and using our Platform, you explicitly consent to our collection, use, and processing of your data as outlined in this Agreement. This includes the transfer, storage, and processing of your data on our servers or those of our third-party service providers, which may be located in jurisdictions different from your own.

3.2 Consent to Communications

You consent to receive communications from RefundIQ regarding your account, service updates, and marketing materials via email, SMS, and other electronic forms. You can manage your communication preferences or opt out of marketing messages at any time through the Settings tab in our web application.

3.3 Consent to Cookies & Tracking

By using our Platform, you consent to our use of cookies, web beacons, and similar technologies. These tools help us collect information about your browsing activities and interactions, allowing us to improve user experience and deliver targeted content. You may disable cookies in your browser settings, but doing so may limit certain functionalities of the Platform.

4. Third-Party Data Sharing

4.1 Service Providers

We may share your data with trusted third-party vendors or service providers who assist us in operating our Platform, processing payments, analyzing data, conducting marketing, or providing other services on our behalf. These service providers are contractually obligated to protect your information and use it solely for purposes we specify.

4.2 Legal Requirements & Protection

We may disclose your information if required by law or to protect the rights, property, or safety of RefundIQ, our users, or the public. This includes responding to lawful requests by public authorities, such as subpoenas or court orders.

4.3 Business Transfers

In the event of a merger, acquisition, reorganization, or sale of assets, your data may be transferred as part of the transaction. We will notify you if there are significant changes to the ownership or use of your personal information.

5. Data Retention & Security

5.1 Retention Period

We will retain your information as long as needed to fulfill the purposes for which it was collected, resolve disputes, enforce our agreements, or comply with legal obligations.

5.2 Security Measures

We implement reasonable administrative, technical, and physical safeguards to protect your data against unauthorized access, alteration, or misuse. However, no security measures are foolproof, and we cannot guarantee absolute security.

6. Your Rights & Choices

6.1 Access, Correction, Deletion

Where applicable by law, you may have the right to request access to, correction of, or deletion of your personal data. You can delete your account and all associated data through the Settings tab in our web application.

6.2 Withdrawal of Consent

You may withdraw your consent to our collection and processing of your data at any time by closing your account and discontinuing use of the Platform. Any data processed prior to your withdrawal of consent will not be affected.

6.3 Opt-Out of Marketing

If you no longer wish to receive marketing communications, you can opt out at any time by adjusting your preferences in the Settings tab of our web application.

7. Children's Privacy

Our Platform is not intended for individuals under the age of 16. If you are under this age, you may not use or register for our Platform without verifiable parental consent. If we discover that we have unknowingly collected information from a child under the minimum age, we will take steps to delete such information promptly.

8. Updates to This Agreement

We reserve the right to update or modify this Agreement at any time. If we make significant changes, we will notify you by email (using the email address you provided) or post a prominent notice on the Platform. Your continued use of the Platform after any such updates will constitute acceptance of the revised Agreement.

9. Contact Information

If you have any questions, concerns, or requests related to this Agreement or your data, please contact us at:

RefundIQ
8390 East Via De Ventura
Ste F-110 #2007
Scottsdale, AZ 85258
Email: privacy@RefundIQ.app

10. Acceptance & Acknowledgment

By registering for and using the RefundIQ web application (the "Platform"), you confirm that you have read, understood, and agree to be bound by the terms of this Consumer Consent Agreement. Specifically, you affirm that:

  • You are at least 16 years old.

  • You have read and fully understood the terms of this Agreement.

  • You consent to the collection, use, and sharing of your data as described herein.

If you do not agree to these terms, you should not proceed with registration or use of the Platform.

Last Updated: April 8, 2025