Privacy Policy

Last updated: December 2020

Introduction

Privacy and online safety are important to Roger.ai, Inc. (hereby known as “Roger”). We offer a software platform and services for bill management and payment. We collect data about individuals and businesses, when they use the platform, services and our websites (collectively known as "Services"). This privacy policy describes how we collect, use and share data.


  1. Definitions


In this privacy policy, the following terms shall have the following meanings:


"You" means a visitor to one of our websites or a user of one or more of our Services ("User"). 


“User” means a user of our Services.


“Personal Data” means any information relating to an identifiable person who can be directly or indirectly identified in particular by reference to an identifier. 


"Other Data" means other data besides Personal Data.


  1. What does this policy cover?


This policy does not apply to third-party websites, products, or services, even if they link to our Services. We are not responsible for third parties’ content or information practices. You are strongly encouraged to check and consider the privacy policies of all third party sites you visit to find out how they are treating your personal data. 


If You disagree with the practices described in this policy, You should (a) take the necessary steps to remove cookies from Your computer after leaving our website, and (b) discontinue Your use of our Services. 


We have a Cookie Policy that describes in detail how we use cookies and similar technologies. Please see below regarding our usage of cookies. 



  1. Types of Data We Collect


The collection and use of data from a variety of sources is essential to our ability to provide our Services – and to help keep the Services safe. Data is critical in helping us to increase the safety of Your online payments, and reduce the risk of fraud, money laundering and other harmful activity.


The Data we collect depends on how our Services are used. 


The Personal Data that we may collect include:

  • Contact details such as name, postal address, telephone number, email address;
  • Other Personal Data such as date of birth or Employer Identification Number. 


Personal data can be collected in different ways such as 

  • Collection of Personal Data during initial Roger account registration;
  • Initiation of payment by a customer or execution of transactions through a User’s website or application;
  • Person responding to Roger’s emails or surveys;
  • Usage of “Remember Me” feature by a customer;
  • Personal data received from other sources, such as our partners, financial service providers, identity verification services, and publicly available sources. 


Personal Data does not include Data that has been aggregated or made anonymous such that it can no longer be reasonably associated with a specific person. 


We do not collect nor store personal data in the form of credit or debit card numbers. This information is collected through our partner Stripe. When using our Dwolla integration to connect your bank account to Roger and route ACH payments, Roger may store and transmit routing and account information.


  1. How We Collect Your Data

Depending upon our site usage, we may collect data of following nature:


a. Personal Data 

Personal data can be collected in different ways such as 

  • Collection of Personal Data during initial Roger account registration;
  • Initiation of payment by a customer or execution of transactions through a User’s website or application;
  • Person responding to Roger’s emails or surveys;
  • Usage of “Remember Me” feature by a customer;
  • Personal data received from other sources, such as our partners, financial service providers, identity verification services, and publicly available sources. 


b. Other Data

Other Data is collected through a variety of sources such as:

  • Cookies and other technologies that record usage of our websites, websites that implement our Services, and the use of our Services;
  • Browser and device data, such as IP address, device type, operating system and Internet browser type, screen resolution, operating system name and version, device manufacturer and model, language, plug-ins, add-ons and the version of the Services You are using;
  • Transaction data, such as bills paid, bill amount, date of bill payment, and payment method;
  • Cookie and tracking technology data, such as time spent on the Services, pages visited, language preferences, and other anonymous traffic data; 
  • Company data, such as a company's legal structure, product and service offerings, jurisdiction, company records, and information submitted securely through the data collection form in the Roger Business product;
  • Bill data. We collect and process data from the invoices/bills You upload through the Roger platform, or from bills you give 3rd party creditors the right to upload through your RogerAddress. This data is used to process the bill payment.


  1. How We Use Your Data


a. Personal Data

We and our service providers use Personal Data to: (i) provide the Services; (ii) detect and prevent fraud; (iii) mitigate financial loss or other harm to Users, Customers, and Roger; and (iv) promote, analyze and improve our products, systems, and tools. Examples of how we may use Personal Data include:

  • Verify an identity for compliance purposes;
  • Evaluate an application to use our Services;
  • Conduct manual or systematic monitoring for fraud and other harmful activity;
  • Respond to inquiries, send service notices and provide customer support;
  • Process a bill payment, communicate regarding a payment, and provide related customer service;
  • For audits, regulatory purposes, and compliance with industry standards;
  • Develop new products;
  • Send marketing communications;
  • Improve or modify our Services; and
  • Conduct aggregate analysis and develop business intelligence that enables us to operate, protect, make informed decisions, and report on the performance of our business.


b. Other Data

We may use Other Data for a range of different purposes, provided we comply with applicable law and our contractual commitments. 


  1. How We Disclose Data


Roger does not sell or rent Personal Data to marketers or unaffiliated third parties. We share Your Personal Data with trusted third parties, including:

a. Roger Affiliates. We share Data with entities worldwide that we control, are controlled by us, or are under our common control, to provide our Services. Roger.ai, Inc. is the party responsible for overall management and use of the Data by these affiliated parties.

b. Roger Service Providers and Payment Service Providers. We share Data with service providers and payment service providers who help us provide the Services. Service providers help with things like payment processing (i.e., banks, credit bureaus, payment method providers), website hosting, data analysis, information technology and related infrastructure, customer service, email delivery, and auditing.

c. Authorized Third Parties. We may share data with parties directly authorized by a User to receive Data, such as when a User authorizes a third party application provider to access the User's Roger account using Roger Integrations. The primary example is integrations to Accounting Systems or ERP products, where the User grants authorization to a 3rd party application to access the User's Roger data. The use of Data by an authorized third party is subject to the third party's privacy policy.

d. Third Parties. We may share Data with third parties in the event of any reorganization, merger, sale, joint venture, assignment, transfer or other disposition of all or any portion of our business, assets or stock (including in connection with any bankruptcy or similar proceedings).

e. Safety, Legal Purposes and Law Enforcement. We use and disclose Data as we believe necessary: (i) under applicable law, or payment method rules; (ii) to enforce our terms and conditions; (iii) to protect our rights, privacy, safety or property, and/or that of our affiliates, You or others; and (iv) to respond to requests from courts, law enforcement agencies, regulatory agencies, and other public and government authorities, which may include authorities outside Your country of residence.


  1. Security


We use reasonable organizational, technical and administrative measures to protect Personal Data within our organization (including education and training of relevant personnel). 


When You log onto our services, all transactions and communications via our Services are encrypted using Secure Socket Layer (“SSL”) technology. If you are using a public computer, accessible by others besides Yourself, please ensure that you log out of our Services and close the session completely. 


In the event that You have reason to believe that Your interaction with us is no longer secure (e.g., if You feel that the security of Your account has been compromised), please contact us immediately.


  1. Advertising


We may use third-party advertising companies to serve advertisements regarding goods and services that may be of interest to You when You access our websites, based on Data relating to Your access to and use of our websites on any of Your devices, as well as Data received from third parties. To do so, these companies may place or recognize a unique cookie, or similar tracking technology, on Your browser (including the use of pixel tags). They may also use these technologies, along with data they collect about Your online use, to recognize You across the devices You use, such as a mobile phone and a laptop, and to make decisions about the advertisements You see. If You would like more information about this practice, and to learn how to opt out of behavioral advertising delivered by Network Advertising Initiative member companies in desktop and mobile browsers on the particular device on which You are accessing this Privacy Policy, please visit the Network Advertising Initiative and Digital Advertising Alliance.


You may download the AppChoices app to opt out in mobile apps. In order to understand and improve the effectiveness of our advertising, we may also use web beacons, cookies, and other technologies to identify the fact that You have visited our website or seen one of our advertisements, and we may provide that Data to one or more third party advertising networks. The Data we provide may include the time and date of Your visit to our website, pages viewed, links clicked and other information that does not disclose Your 'real world' identity. Those advertising networks may recognize the web beacon or cookie associated with Your visit to our website when You visit other websites on which they serve advertising, and they may make decisions about the advertisements You see based on it. We may choose to work with Google AdWords, or other advertising networks. Each of these companies has its own privacy policy, which we encourage You to review. For more information about advertising and tracking online, visit the Network Advertising Initiative. This website allows consumers to "opt out" of the behavioral advertising delivered by member companies. To learn more about the cookies that may be served through our Services, and how You can control our use of cookies, please see our Cookie Policy. 


At present, there is no industry standard for recognizing Do Not Track browser signals, so we do not respond to them. If and when a standard is established, we may revise our policy on responding to these signals. 


  1. Choice


You have choices regarding our use and disclosure of Your Personal Data. You may opt out of receiving electronic communications from us and no longer want to receive marketing-related emails from us on a going-forward basis. You may opt-out via the unsubscribe link included in such emails. We will try to comply with Your request(s) as soon as reasonably practicable. Please note that even if You opt-out from receiving marketing-related emails from us, we may still send You important administrative messages that are required to provide You with our Services.


  1. Accessing, Changing or Personal Data


Previously disclosed Personal Data to us, can be reviewed, corrected or updated by

  • Signing in to Your Roger account or 
  • by contacting us. 


When contacting us by email, kindly specify clearly what Personal Data is to be amended. We may need to request specific information from You to help us confirm Your identity and ensure Your right to access Your personal data, or to exercise any of Your other rights. This is a security measure to ensure that Your Personal Data is not disclosed to any one who has no right to receive it. We may also contact You for further information in relation to Your request to speed up our response. We endeavour to comply with Your request as soon as reasonably practicable. 


You may request deletion of Your Personal Data held by us, and we will try to comply with Your request as soon as possible with commercially reasonable efforts. Please note that we may be required to keep such information and not delete it (or to keep it until such time we have fulfilled such requirements). Further explanations of data retention can be found below under 11. Retention Period. 


  1. Retention Period


We will retain Personal Data for the period necessary to fulfill the purposes outlined in this Privacy Policy, unless a longer retention period is required or permitted by law. Please note that we have a variety of obligations to retain the Data that You provide to us, including to ensure that transactions can be appropriately processed, settled, refunded or charged-back, to help identify fraud and to comply with anti-money laundering and other laws and rules that apply to us and to our financial service providers. Accordingly, even if You close Your Roger Account, we will retain certain Data to meet our obligations. 


  1. Use of Services by Minors


Our Services are not directed to individuals under the age of eighteen (18). We request that they not provide Personal Data through the Services. We do not knowingly collect nor solicit personal information from individuals under the age of eighteen. If we are notified (by contacting us at support@roger.ai) or if we learn that such personal information was collected, we will delete such information as soon as possible.


  1. Jurisdiction and Cross-Border Transfer


Our services are global and Data (including Personal Data) may be stored and processed in any country where we have operations or where we engage service providers, and we may transfer Data to countries outside of Your country of residence, including the United States, which may have data protection rules that are different from those of Your country. However, we will take measures to ensure that any such transfers comply with applicable data protection laws and that Your Data remains protected to the standards described in this privacy policy. In certain circumstances, courts, law enforcement agencies, regulatory agencies or security authorities in those other countries may be entitled to access Your Personal Data.


  1. Updates to this Privacy Policy and Notifications.


We may change this Privacy Policy from time to time. This may be necessary, e.g. if the law changes or if the business changes in a way that affects personal data protection. The "Last updated" legend at the top of this Privacy Policy, indicates when was the last revision. Any changes are effective when we post the revised Privacy Policy on the Services.


We may provide You with disclosures and alerts regarding the Privacy Policy or Personal Data collected by posting them on our website and, if You are a User, by contacting You through your Roger Dashboard, email address and/or the physical address listed in Your Roger account. You agree that electronic disclosures and notices have the same meaning and effect, as if we had provided hard copy disclosures to You. Disclosures and notices in relation to this Privacy Policy or Personal Data shall be considered to be received by You within 24 hours of the time they are posted to our website or, in the case of Users, sent to through one of means listed in this paragraph. Furthermore, your continued usage of this after any changes in the Privacy Policy will constitute your acceptance of changes. 


  1. Usage of cookies


Cookies play an important role in helping us provide personal, effective and safe Services. We use Cookies to facilitate and improve Your experience, and to provide and improve our products and/or services. Furthermore, we use analytics services, which use Cookies to collect and analyse usage statistics, enabling us to better understand how people use our Services. For more details, please refer to our Cookie policy.  



  1. Transparency and complaints


You have the right to know which Personal Data we collect about you. You may object to any Personal Data being used at any time. You can also retract your permission to use your Personal Data at any time. If the Data we retain about you is wrongful, you have a right to request it to be corrected or deleted. You can request this via support@roger.ai.



  1. Partners


Only applicable to US users: In the US product, Roger uses Plaid Technologies, Inc. ("Plaid") to gather End User's data from financial institutions. By using our service, you grant Roger and Plaid the right, power, and authority to act on your behalf, to access and transmit your personal and financial information from the relevant financial institutions. You agree to your personal and financial information being transferred, stored, and processed by Plaid in accordance with the Plaid’s Privacy Policy.



  1. Contact Us


If You have any questions about this Privacy Policy, please contact us at support@roger.ai or at:


Roger.ai, Inc.

1460 Mission St.

San Francisco, CA 94103

Attention: Roger Legal


For EU individuals: The entity that provides Services in Europe is Roger.ai ApS, Sølvgade 38E, 1307 København K.


Sensitive Information. Email communications are not always secure. Therefore, please do not include credit card or other sensitive Data (such as racial or ethnic origin, political opinions, religion, health, or the like) in your emails to us.

© 2020 Roger.ai, Inc. All rights reserved. 


Roger.ai, Inc. is located at 1460 Mission St., 94103 San Francisco, CA. 


Roger.ai ApS is located at Sølvgade 38F, 1.sal 1307 København K. CVR no. 37231525. 


All trademarks, service marks and logos appearing on the site are the property of their respective owners.