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Hutsy

Hutsy Financial Privacy Policy

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Privacy Policy Effective Date: May, 2025

By using Hutsy, you consent to the practices outlined in this policy.

1. Information We Collect

We collect the following types of information:

  • Personal Information: Name, email address, phone number, date of birth, and postal address (when required).
  • Financial Information: Bank account details and transaction history, recurring income, bill payments, and spending patterns.
  • Device & Usage Information: IP address, device type, browser, operating system, app usage statistics, and crash logs.
  • Third-Party Integrations: Information collected via partners (e.g., Plaid) to securely access financial data.
2. How We Use Your Information

We use your information to:

  • Monitor upcoming bills and detect low balances.
  • Notify you about eligible bill coverage opportunities.
  • Pay bills on your behalf when authorized.
  • Schedule and collect repayments.
  • Provide customer support.
  • Improve and optimize our app and services.
  • Comply with legal obligations.
3. How We Share Information

We do not sell your personal information. We may share information with:

  • Service Providers: Payment processors, cloud services, and other vendors that help operate our Platform.
  • Bank Data Aggregators: Partners like Plaid to securely access your financial accounts.
  • Lending or Financial Partners: For underwriting or reporting purposes.
  • Law Enforcement or Regulators: When required by law.
  • Buyers/Investors: If Hutsy is involved in a merger, acquisition, or other business transaction.
4. Your Choices and Rights

Depending on your jurisdiction (e.g., under GDPR, PIPEDA, or CCPA), you may have the right to:

  • Access or update your information.
  • Request deletion of your data.
  • Object to or limit certain types of data processing.
  • Withdraw consent at any time (if applicable).

To exercise your rights, contact us at contact@hutsy.com.

5. Data Security

We use industry-standard encryption and secure infrastructure to protect your personal and financial data. However, no system is 100% secure, so we encourage you to use strong passwords and keep your login credentials confidential.

6. Data Retention

We retain your data only as long as necessary to:

  • Provide our services.
  • Comply with legal and regulatory requirements.
  • Resolve disputes and enforce agreements.

You may request deletion of your account and data at any time, subject to legal obligations.

7. Children’s Privacy

Hutsy is not intended for individuals under the age of 18. We do not knowingly collect personal information from minors.

8. International Transfers

Your information may be stored or processed in Canada, the United States, or other jurisdictions where our partners or service providers operate.

9. Changes to This Policy

We may update this Privacy Policy from time to time. If we make significant changes, we’ll notify you via email or through the app. Continued use of the Platform after changes are posted constitutes acceptance of the updated policy.

10. Contact Us

If you have any questions about this policy or how we handle your data, please contact us at:
📧 contact@hutsy.com
🌐 www.hutsy.com

Hutsy

Hutsy Financial Terms of Service

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Terms of Service Effective Date: July, 2025
1. Eligibility
  • At least 18 years old
  • A resident of Canada or the United States
  • Able to form a legally binding agreement
2. Services Provided

Hutsy provides financial tools including:

  • Bill monitoring and coverage when your balance is low
  • Subscription tracking and cancellation features
  • Notifications about upcoming payments
  • Optional financial benefit services for employers (if applicable)

Note: Hutsy does not issue loans. Instead, we directly pay approved bills and schedule repayment based on your income schedule.

3. Account Registration

To use Hutsy, you must:

  • Create an account with accurate and current information
  • Connect your bank account using a secure third-party service (e.g., Plaid)
  • Keep login credentials secure

You are responsible for all activity under your account.

4. Fees

Hutsy charges:

  • Annual Membership Fee: $120 CAD/USD (based on your region)
  • 5% service fees of your bill amount, when we cover your bills
  • Fees are non-refundable except where required by law. We only collect payment when funds are available in your connected account.
5. User Responsibilities

You agree to:

  • Use Hutsy lawfully and ethically
  • Provide and maintain accurate financial data
  • Repay covered bill amounts as agreed
  • Avoid any fraudulent or deceptive activity
6. Bill Coverage Criteria

You may receive notifications for bill coverage if:

  • Verified recurring income
  • Active, valid bank account with available balance
  • A paid Hutsy membership
  • Account not in default or suspension
  • Coverage approval is at our sole discretion
7. Cancellations & Refunds

You can cancel your membership at any time via the app:
Settings → Membership → Cancel Membership

Important Cancellation Information:

  • Your account will remain active until the end of your current billing period
  • Pending payments may still process even after cancellation if initiated
  • No future payments will be collected after your membership ends
  • Refunds are not provided except where legally mandated
  • By confirming cancellation, you acknowledge and agree to the above
8. Termination

We may suspend or terminate your account if you:

  • Violate these Terms
  • Engage in fraudulent or abusive activity
  • Fail to repay Hutsy-covered amounts
9. Limitation of Liability

Hutsy is not liable for:

  • Missed or late payments not due to our error
  • Issues caused by banks, payment processors, or third-party services
  • Any indirect, incidental, or consequential damages

Our maximum liability is limited to fees paid by you within the past 12 months.

10. Privacy

Your personal and financial information is handled in accordance with our Privacy Policy.

11. Changes to Terms

We may update these Terms at any time. Continued use of Hutsy after changes means you accept the updated Terms.

12. Contact

If you have questions, contact us at:
📧 contact@hutsy.com