Privacy Policy

This Somia ("Somia" or the "Company") Online Privacy Policy (the "Privacy Policy") describes how your information is collected, used, and shared in connection with the Somia website and mobile applications. For convenience, our websites and mobile applications covered by this Privacy Policy are collectively referred to as the "Site."

Personal Information We Collect

Information we collect directly from individuals

Personal information that you may provide through the Site or otherwise communicate with us includes:

• Contact information, such as your full name, mailing address, phone number, and email address
• Profile information, such as the username and password that you establish on the Site, along with any other information that you enter into your account profile
• Identity verification information, such as your Social Security number, date of birth, and answers to your account security questions
• Financial information, such as your payment card or bank account details
• Transaction information, such as details about purchases or other financial transactions you make using the Site, and information you provide when you enter into one of our contests or other promotions
• Feedback and correspondence, such as information you provide when you receive customer support or otherwise correspond with us online
• Precise geolocation information, if you authorize our mobile application to access your location
• Communications preferences, such as your preferences for receiving account alerts, marketing communications, surveys, and other communications from us

Information we collect from other sources

We and our service providers may collect information about individuals that is publicly available, for example, by searching media and the internet. We and/or our third-party verification providers may also collect information from private or commercially available sources. For example, we may obtain consumer report information, such as your credit score and credit history, from consumer reporting agencies.

We may maintain pages for our products on a variety of third-party platforms, such as Facebook, Twitter, YouTube, Instagram, TikTok and other social networking services. When you interact with our pages on those third-party networks or platforms, the third-party's privacy policy will govern your interactions on the relevant platform. If the third-party platform provides us with information about our pages on those platforms or your interactions with them, we will treat that information in accordance with this Privacy Policy.

Information collected via automated means

When you access our Site, we, our service providers, and our business partners may automatically collect a variety of information about your computer or mobile device and activity on our Site via cookies, pixel tags, third-party software developer kits integrated into our mobile application, and other technologies. A "cookie" is a text file that websites send to a visitor's computer or other Internet-connected device to uniquely identify the visitor's browser or to store information or settings in the browser. A "web beacon," also known as an Internet tag, pixel tag or clear GIF, is used to transmit information back to a web server. Pixel tags (which are also known as web beacons and clear GIFs) are embedded invisibly on webpages or within HTML formatted emails and are used to demonstrate that certain content was viewed. We and our service providers and business partners may collect information about your online activities over time and across third-party websites when you use our websites and mobile applications.

• Information about your computer or mobile device, such as computer or device type, manufacturer, and model, information about the operating system and software and applications installed on your computer or mobile device, browser type and language, information about your network connectivity and nearby networks, unique device identifiers (such as the Google Advertising ID or Apple ID for Advertising), screen resolution, IP address, the website you visited before browsing to our Site, and information about the battery level of your mobile device
• Information about your use of and actions on our Site, such as pages you viewed on the Site along with referring and exit URLs, how long you spent on a page, navigation paths between pages, information about your activity on a page, access times, and length of access

How We Use Your Personal Information

We use personal information for a variety of business purposes, including:

• Providing and improving our products and services - to operate, evaluate, maintain, administer, and improve the Site; process and manage transactions; display information about transactions; provide support and maintenance; better understand your needs and interests; and manage and communicate with you regarding your account
• Research and Development - We use the information we collect for research and development purposes, including to develop and create analytics and related reporting, such as regarding industry and fraud trends
• Marketing - We may send you marketing communications, surveys, and other communications about products and services that we believe you would find interesting. You may opt-out of receiving commercial email marketing messages by following the opt-out processes described under "Marketing Communications" below
• Statutory compliance - We use your information to comply with applicable laws and card association rules, and respond to lawful requests and legal process, such as subpoenas or requests from government authorities
• Compliance, fraud prevention and safety - We use your information to ensure the integrity of our products and services, verify your identity, enforce our terms and conditions, and protect against fraudulent, harmful, unauthorized, unethical or illegal activity
• To create anonymous or de-identified data - We may create anonymous or de-identified data from your personal data. Information that no longer identifies you is not covered by this Privacy Policy
• As otherwise authorized by you

Use of Information Relating to Minors

Somia products are not, and consequently this site is not, directed to individuals under the age of thirteen (13). We do not knowingly collect personal information from individuals under the age of 13.

How We Share Your Personal Information

We may share your personal information with:

• Affiliated companies - We may disclose your personal information to our subsidiaries and corporate affiliates for purposes consistent with this Privacy Policy and otherwise, as may be specifically authorized by you
• Service providers - We may employ service providers that operate and enable functionality of the Site and administer and provide services on our behalf (such as customer support, fraud detection and prevention, hosting, email delivery, marketing, and database management services). These third parties may use your information only as permitted by us and in a manner consistent with this Privacy Policy
• Professional advisors - We may disclose your information to professional advisors, such as lawyers, bankers, auditors and insurers, where necessary in the course of the professional services that they render to us
• Credit reference, fraud protection, risk management, and identity and verification agencies - We share personal data with these agencies to help guard against, detect, and respond to fraud or money laundering, and/or manage risk, and ensure we comply with contractual, legal, or regulatory requirements
• Compliance with laws and law enforcement - We may disclose information about you to government or law enforcement officials or private parties as required by law, and disclose and use such information as we believe necessary or appropriate to comply with applicable laws, enforce our terms, or protect against fraudulent or illegal activity
• Business transfers - We may sell, transfer or otherwise share some or all of our business or assets, including your personal information, in connection with a business transaction such as a merger, consolidation, acquisition, reorganization or sale of assets, or in the event of bankruptcy
• Other third parties, as disclosed to you at the time you provide your information or with your consent

Data obtained through the SMS program will not be shared with any third parties for marketing purposes.

Your Rights and Choices

Accessing, Deleting or Updating Your Information

You may update or correct the personal information in your Somia account by visiting your account settings. Additionally, to the extent required by law, you may be entitled to request access to, deletion of, and portability of your information or more information about our information practices. Requests should be submitted by you or an authorized agent in writing as set out in the "Contact Us" section below. If you make a request, you will be asked to provide sufficient information to allow us to reasonably verify your identity. These rights are not absolute, and we may decline your request as permitted by applicable laws.

Marketing Communications

You may opt out of marketing-related emails by clicking on a link at the bottom of each such email or, if applicable, logging in and changing your account settings. You may continue to receive service-related and other non-marketing emails.

Disabling Cookies

You can typically remove or reject cookies via your browser settings. In order to do this, follow the instructions provided by your browser (usually located within the "settings," "help," "tools" or "edit" menus). Many browsers are set to accept cookies until you change your settings.

For further information about cookies, including how to see what cookies have been set on your computer or mobile device and how to manage and delete them, visit www.allaboutcookies.org.

If you do not accept our cookies, you may experience some inconvenience in your use of our Site. For example, we may not be able to recognize your computer or mobile device and you may need to log in every time you visit our site.

Online Behavioral Advertising

Some of the business partners that collect information about users' activities on the Site may be members of organizations or programs that provide choices to individuals regarding the use of their browsing behavior for purposes of targeted advertising. Users may opt out of receiving targeted advertising on websites through members of the Network Advertising Initiative or the Digital Advertising Alliance. Users of mobile applications may opt out of receiving targeted advertising in mobile applications through participating members of the Digital Advertising Alliance by installing the AppChoices mobile application and selecting the user's choices. In addition, your mobile device settings may provide functionality to limit our, or our partners', ability to engage in ad tracking or targeted advertising using the Google Advertising ID or Apple ID for Advertising associated with your mobile device.

Please note that we also may work with companies that offer their own opt-out mechanisms and may not participate in the opt-out mechanisms referenced above. If you choose to opt-out of targeted advertisements, you will still see advertisements online but they may not be relevant to you.

Do Not Track Signals

Some Internet browsers may be configured to send "Do Not Track" signals to the online services that you visit. We do not currently respond to do not track signals. To find out more about "Do Not Track," please visit www.allaboutdnt.com.

Security

We employ appropriate measures, including advanced technology, to protect personal information collected online against unauthorized access, disclosure, alteration, or destruction. These measures may include, among others, encryption, physical access security, and other appropriate technologies. We review and enhance our security systems as necessary.

However, no security safeguards are 100% secure and we cannot guarantee the security of your information.

International Transfers

We are headquartered in the United States and have service providers in other countries, and your personal information may be transferred to the United States or other locations outside of your state, province, country or other governmental jurisdiction where privacy laws may not be as protective as those in your jurisdiction.

Other Sites and Services

The Site may contain links to other websites and services. These links are not an endorsement, authorization or representation that we are affiliated with that third party. We do not exercise control over third-party websites or services, and are not responsible for their actions. Other websites and services may follow different rules regarding the use or disclosure of the personal information you submit to them. We encourage you to read the privacy policies of the other websites you visit and services you use.

Information for California Residents

To the extent we process any personal information that is subject to the California Consumer Privacy Act of 2018 ("CCPA"), the categories of personal information that we have collected and disclosed for a business purpose in the past 12 months are described above. We also describe the sources from which we collect personal information and the purposes for which we collect, use, and share this information above. We do not sell your personal information to third parties as defined in the CCPA.

Changes to this Privacy Policy

We may modify this Privacy Policy from time to time. When we update this Privacy Policy, we will revise the effective date above and post the new Privacy Policy on the Site. We recommend that you review the Privacy Policy each time you access or use the Site to stay informed of our privacy practices.

Contact Us

If you have any questions about our Privacy Policy or privacy practices, please contact us at: support@somia.ai