LIVD Privacy Policy

Last Updated: February 1, 2023

At LIVD, we want to help our Users save time in their busy days. In this Privacy Policy, we explain what data we receive and collect from you, how we use and share that information, and what choices you have in how we do this. 

Overview of this Privacy Policy

LIVD (“LIVD,” “we,” “our,” and/or “us”) cares about the privacy of individuals (“Users”, “you”, and/or “your”) who use our applications, websites, features, and services (“LIVD Platform” and/or “Platform”) anywhere in the world. This policy applies to all Users and others (including employees that work at employers that offer LIVD benefits and have been invited to join). Your use of LIVD is subject to this Privacy Policy and our Terms of Service. Note, our data practices are subject to applicable laws in the jurisdictions in which we operate and, as such, we only engage in the practices described in this policy if permitted by local laws.

Your Information

What we collect and how we collect it

A. The information you provide us

  • User registration and profile: When you sign up for a LIVD account, we collect your name, phone number, email address, and password.

  • Payment method and payroll information: We utilize a third-party provider to handle payments for us. This party will receive any credit card information our Users choose to upload to their accounts. The addition of your personal payment information in order to supplement any employer contributions is strictly voluntary and not required to use the Platform. In order to protect your financial data, we do not store your full credit card information on our servers.

  • User communications and content: We receive and collect additional information when you contact us directly. This may include your name and email address, feedback, photographs, other recordings, contents of the message and any associated attachments, as well as any other information you choose to provide.

B. The information we collect when you use our Platform

  • Location data: The location data of our Users enables us to curate the available services offered in your geographic location. Depending on the permissions you give, we will collect precise or approximate location data from your mobile device when the app is running in the foreground (app open and on-screen) or background (app open but not on-screen). While it is possible to use the LIVD Platform without enabling us to collect your location data, this may affect some of the Platform’s functionality. 

If you give us permission, we may collect your location data to offer you relevant promotions. 

We may utilize this data to help us investigate any potential fraud or improper charges. In addition, our Safety team may access the location data in order to help protect the LIVD community or a member of the public. If necessary, the Safety team may share this data with relevant authorities. 

  • Device data: During installation and use of the LIVD app, we may receive and collect information from your device. This includes your mobile operating system and version, phone manufacturer, IP address, software and apps including web browser, unique device identifiers, mobile advertising identifiers, mobile network data, preferred language, and push notification tokens.

  • Transaction and usage data: We automatically receive and collect information about your transactions on our app. This includes the type of service used, pricing details, and payment information. We also collect data on how you use and interact with our Platform. This includes the date and time you accessed our Platform; pages you viewed, features you interacted with, and your other actions with the app; and data surrounding any app bugs or crashes including hardware and software information as well as interactions with third-party sites and apps. 

  • Data from cookies and other technologies: Cookies are small text files placed on your device to store basic information. We utilize “cookies” and other similar technology to authenticate users, save your preferences and settings, and better understand how you interact with our platform, including any advertising campaigns.

  • User feedback: We may receive additional information from a User or others relating to a claim or dispute.

C. The information we collect from other sources

  • Third-party services: If Users choose to link their LIVD account with a third-party’s service, we receive additional information (similar to the information described above) directly from those services.

  • Third-party partners: Some of our third-party partners may provide us with additional information about you. This may include but is not limited to insurance providers, marketing service providers, payment services providers, and IT security consultants.

Note we may combine data received from any of these sources with other information we have about you.

What we do with the data we collect

  • Provide you the services you want: While LIVD uses the data we collect for a variety of purposes as described in this policy, our primary goal of collecting this information is to offer you the best user experience possible. Your data is used to:

    • Create and update your account

    • Connect your profile with the benefits offered by your employer

    • Curate the available services offered in your geographic location

    • Process payments for services completed

    • Personalize your experience

    • Maintain and improve our internal operations, including troubleshooting technical issues as well as monitoring and analyzing usage

  • Improve our services: We may use the data to develop, test, and analyze ongoing enhancements to our Platform. This includes developing new features and products, enhancing our safety procedures, and preventing the improper use of our services.

  • Ensure the safety of our Users: We use the data we collect to help ensure the safety and security of our Users, the public, and our services. Users with violations of our policies may be deactivated and barred from the Platform.

  • Government requests and legal requirements: Along with our internal efforts to foster a safe community of LIVD Users, we may share some of the data we have collected with relevant law enforcement or other government agencies to protect the safety of our Users or the public.

  • Provide customer support: We also use the data in order to investigate and address any issues you experience with the LIVD Platform. We may also use the data to help evaluate and improve our customer support team.

  • Marketing: We may use the information to market our services to our Users including highlighting our services and features, promotions and special offers, surveys, as well as news and updates. LIVD may also use the information to send communications marketing the services of our partners to our Users. This could include providing recommendations and promotions of different services that may be relevant to the User. The marketing communications we send to you (on our or a partner’s behalf) may be personalized based on information we have collected. We do not share or sell your personal data to our partners or other parties for their own direct marketing, without your express consent.

  • Other communications: We may use the data we have collected for communications other than marketing our services or the services of our partners. This may include notifications regarding services that have been booked, receipts, and changes to our Terms of Service or Privacy Policy.

How we share the data we collect

A. Between Users and benefits partners 

  • Public profiles – Users do not have a public profile on our Platform. 

  • Browsing –  Our benefits partners do not see any information about Users that have browsed through their offerings.

  • Purchases – Once a User has redeemed their credits for a service from one of our benefits partners, the service provider may be able to see basic information about the User. This includes their name and purchased services.

B. With your employer

  • We will share notice of your account creation with your employer in order to start loading your benefits. We will also provide aggregate data on employee usage including frequency of redeeming credits and most commonly used benefits. We will not share any data on individual usage with employers except to provide an update on unredeemed credits.

C. With our service providers

  • We utilize of variety of consultants, vendors and other service providers and may provide data to them. These may include:

    • Payment processors

    • Data analytics and research partners

    • Various professional service providers, such as lawyers, and accountants

    • IT consultants and cloud storage providers

    • Marketing partners

    • Security and safety consultants and vendors

    • Insurance providers

D. With government authorities and law enforcement officials

  • We may share our Users’ personal data with relevant authorities if we believe disclosure is required to comply with a law, regulation, legal process, or operating license. We may also share the data in order to protect the safety, property or rights of our Users, LIVD, or the public.

E. With third parties

  • We may also share personal data with others while negotiating a change of corporate control, including any merger, sale of assets, restructuring, or acquisition.

F. With your consent

  • With your consent, we may share your data, other than as described in this policy.

What we retain and when we delete it

  • As part of our operations, we retain data about our Users, as described above, for as long as they retain their account or as long as permitted by law.

  • Users can request deletion of their account by emailing us at [email protected] with the subject “Account Deletion Request”. Once the request has been processed, we will delete the data that we are not required to retain for tax, insurance, and/or legal/regulatory purposes. We may continue to use the data we have retained for safety/security, fraud prevention, and research and development. Note, we may not be able to delete your account until any outstanding charges are settled and issues are resolved.

  • We retain information required to protect the safety, security and integrity of our Platform. This includes retaining information to ensure we can prevent any Users whose accounts have been deactivated for safety, security, or fraud issues from opening a new account in the future.

Your Choices

  • We provide Users the opportunity to request access to their data, make changes to their account settings, delete their accounts, and restrict our processing of their personal data.

  • Notification settings: We utilize push, text, and email notifications to update you on operational and transactional information about your account as well as for commercial and promotional purposes. Users can unsubscribe from our promotional emails by following the unsubscribe instructions at the bottom of the promotional email itself. Users can also reply “STOP” to any promotional texts we send to stop receiving them. We will continue to send you emails related to your transactions (such as receipts) and important updates (such as changes to our Terms of Service and/or Privacy Policy). We will also continue to send you texts related to your use of our services. If you wish to opt out of receiving all text messages, you can text the word “STOPALL” to any message you have received from LIVD. However, this may impact your use of our services. Additionally, if you choose to silence push notifications from the Settings page in the app, this may impact your use of our services. 

  • Location data: We use location data to help curate the services available in your geographic location. However, if you would prefer to not share this data with us, you can change the app permissions through your device’s operating system settings.

  • Editing your information: Users are able to edit certain information about themselves in the “Edit Profile” and “Settings” pages in the app, including their email address, password, and profile picture. Users can request deletion of their account by emailing us at [email protected] with the subject “Account Deletion Request”. Note, we will retain certain information about your account following deletion and may use it for various purposes as discussed in this policy.

Other

  • Updates to our Privacy Policy: We may occasionally update this Privacy Policy. We will notify Users of any material changes through the app as well as via email. We encourage you to review this policy periodically for the latest information. Using our services subsequent to such notice constitutes consent to the changes, to the extent permitted by law.

  • Data security: While we take reasonable precautions to protect your data, we cannot guarantee its complete security and take no responsibility for any harm, damages or losses that result from a breach of the LIVD Platform.

  • Contact information: If you have any questions, comments, or concerns about anything outlined in our Privacy Policy, please feel free to contact us at [email protected].