Stargaze Privacy Policy

Effective as of September 1, 2023

This Privacy Policy describes the privacy practices of Stargaze Tech Inc. and it’s respective affiliates (collectively, "Stargaze," "we", “us” or "our") and how we handle personal information that we collect through our digital properties that link to this Privacy Policy, including our website, mobile application, and browser extensions (collectively, the “Service”), as well as through social media, our marketing activities, our live events and other activities described in this Privacy Policy.

If you have registered for a Stargaze account or we have otherwise obtained your personal information in connection with providing our services, please see our Stargaze Privacy Policy, which applies to our practices subject to certain financial privacy laws.

California residents: See the California privacy notice below for important information about our collection, use and disclosure of your personal information as well as your California privacy rights.

Nevada residents: See the Nevada privacy notice below for important information about your Nevada privacy rights.

Personal information we collect

Information you provide to us

Personal information you may provide to us through the Service or otherwise includes:

Contact data, such as your first and last name, email address, billing and mailing addresses, and phone number.
Government identifiers, such as national identification number (e.g. Social Security Number, tax identification number, passport number), state or local identification number (e.g., driver’s license or state ID number), and an image of the relevant identification card.
Profile data, such as the username, account number and password for your Stargaze account, date of birth, gender, education, employment details, biographical details, US residency/citizenship status, income, net worth, preferences, investment goals, financial experience, information about your participation in our surveys, and any other information that you add to your account profile.
Billing data, such as the payment card or bank account numbers that you use to make payments or transfers through the Service.
Financial data, such as information about your investment and financial history and interests that you provide through the Service and the information you authorize us to collect from the financial accounts that you connect to the Service.
Data about others, such as the personal information of any children or others that you provide when opening investment accounts through the Service on their behalf. We also may offer features that help users invite their friends or contacts to use the Service, in such a case we may collect contact details about these invitees so we can deliver their invitations. Please do not refer someone to us or share their contact details with us unless you have their permission to do so.
Transactional data, such as information relating to or needed to complete your orders on or through the Service, including transaction history and information about your investments.
Communications that we exchange with you, including when you contact us with questions or feedback, through the Service (including chat and other interactive features), social media, survey participation, or otherwise.
Marketing data, such as data you provide when participating in our promotions or in response to our ads or marketing messages.

We may also collect personal information not specifically listed above, which we will use as described in this Privacy Policy or as otherwise disclosed at the time of collection.

Third-party sources

We may combine personal information we receive from you with personal information we obtain from other sources, such as:

Your financial accounts, such as your bank, credit card and brokerage accounts, when you authorize us to collect your information from them.
Public sources, such as government agencies, public records, social media platforms, and other publicly available sources.
Data providers, such as information services and data licensors that provide demographic and other information.
Marketing partners, such as joint marketing partners and event co-sponsors.

Automatic data collection

We, our service providers, and our business partners may automatically log information about you, your computer or mobile device, and your interaction over time with the Service, our communications and other online services, such as:

Device data, such as your computer’s or mobile device’s operating system type and version, manufacturer and model, browser type, screen resolution, RAM and disk size, CPU usage, device type (e.g., phone, tablet), IP address, unique identifiers (including identifiers used for advertising purposes), language settings, mobile device carrier, radio/network information (e.g., Wi-Fi, Bluetooth, LTE, 3G), and general location information that can be inferred from the foregoing, such as city, state or geographic area.
Online activity data, such as pages or screens you viewed, how long you spent on a page or screen, the website you visited before browsing to the Service, navigation paths between pages or screens, information about your activity on a page or screen, access times and duration of access, and whether you have opened or forwarded our emails or clicked links within them.
Precise location data when you authorize the Service to access your device’s location.

Cookies and other technologies

The Services employ the following technologies, which facilitate some of the automatic collection described above:

Cookies, which are files that websites store on a visitor‘s device to uniquely identify the visitor’s browser or to store information or settings in the browser. The Service employs both session cookies that expire when you close your browser and persistent cookies that remain stored on your device. Some of the cookies on our services allow third parties like our service providers and advertising partners to collect data needed for the services they provide to us. The Service employs cookies for the following purposes:

Technical operation. To allow the technical operation of the Service, such as by remembering your selections and preferences as you navigate the site, and whether you are logged in when you visit password protected areas of the Service.
Functionality. To enhance the performance and functionality of our services.
Analytics. To help us understand user activity on the Service, including which pages are most and least visited and how visitors move around the Service, as well as user interactions with our emails.
Advertising. To help our third-party advertising partners collect information about how you use the Service and other online services over time, which they use to show you ads on other online services they believe will interest you and measure how the ads perform

You can learn about blocking cookies in the Your choices section below.

Web beacons, also known as pixel tags or clear GIFs, which are used to demonstrate that a webpage or email address was accessed or opened, or that certain content was viewed or clicked.
Local storage technologies, like HTML5, that provide cookie-equivalent functionality but can store larger amounts of data on your device outside of your browser in connection with specific applications.
Mobile Application Software Development Kits (SDKs). We may use SDKs in our mobile applications. A SDK is third-party computer code that we or our third party service providers or partners may use for a variety of purposes, including to provide us with analytics regarding the use of our mobile applications, to integrate with social media, add features or functionality to our app, or to facilitate online advertising.
Chat technologies. We may use chat technologies provided by third-party vendors that employ cookies and software code to operate the chat features you can use to communicate with us through the Service. We and such third-party vendors may monitor, record and use information about webpages visited on our website, your IP address, your general geographic information (e.g., city, state), and other information you share through online chats for the purposes described in this Privacy Policy.

How we use your personal information

We may use your personal information for the following purposes or as otherwise described at the time of collection:

Service delivery

We may use your personal information to:

provide, operate and improve the Service and our business;
fulfill your requests for products and services;
facilitate your invitations to friends who you want to invite to join the Service;
communicate with you about the Service, including by communicating with you through chat features, sending announcements, updates, security alerts, money alerts, and support and administrative messages;
understand your needs and interests, and personalize your experience with the Service and our communications; and
troubleshoot and provide support for the Service, and respond to your requests, questions and feedback.

Marketing and advertising

We, our service providers and our third-party advertising partners may collect and use your personal information for marketing and advertising purposes:

Direct marketing. We may send you direct marketing communications, including through text message or email. You may opt-out of our marketing communications as described in the Opt-out of marketing section below.
Interest-based advertising. We may engage third-party advertising companies that use cookies and other technologies to collect information about your interaction (including the data described in the Automatic data collection section above) over time across the Service, our communications and other online services, and use that information to serve online ads that they think will interest you. This is called interest-based advertising. We may also share users’ contact data with these companies to facilitate interest-based advertising to those or similar users on other online platforms. You can learn more about your choises for limiting interest-based advertising in the Your choices section below.
Promotions. We may use personal information to provide the promotional programs that we from time to time may offer or to users who refer friends or contacts to Stargaze. We may provide these programs in collaboration with affiliate brand partners and other businesses, websites, mobile applications or third parties. Each such program will be subject to and governed by our Terms of Use , this Privacy Policy, and any other applicable rules or terms and conditions that we or the relevant third parties may post or make available to you.

Research and development

We may use your personal information for research and development purposes, including to analyze and improve the Service and our business. We may create anonymous, aggregated or deidentified data from your personal information and other individuals whose personal information we collect. We make personal information into anonymous, aggregated or deidentified data by removing information that makes the data identifiable to you. We may use this anonymous, aggregated or deidentified data and share it with third parties for our lawful business purposes, including to analyze and improve the Service and promote our business.

Compliance and protection

We may use your personal information to:

comply with applicable laws, lawful requests, and legal process, such as to respond to subpoenas or requests from government authorities;
protect our, your or others’ rights, privacy, safety or property (including by making and defending legal claims);
audit our internal processes for compliance with legal and contractual requirements or our internal policies;
enforce the terms and conditions that govern the Service; and
prevent, identify, investigate and deter fraudulent, harmful, unauthorized, unethical or illegal activity, including fraud, cyberattacks and identity theft.

Retention

The length of time we retain particular categories of personal information is determined based on whether it is sufficient to fulfill the purposes for which we collected it, including to satisfy legal, regulatory, accounting, or reporting requirements, establish or defend legal claims, enforce our agreements, resolve disputes or fraud prevention.

How we share your personal information

We may share your personal information with the following parties and as otherwise described in this Privacy Policy or at the time of collection.

Affiliates. Our corporate parent, subsidiaries, and affiliates, for purposes consistent with this Privacy Policy.

Service providers. Third parties that provide services on our behalf or help us operate the Service or our business (such as mail delivery, hosting, information technology, chat feature support, customer support, email delivery, text message delivery, marketing, consumer research, website analytics etc.).

Financial institutions. Stargaze uses Plaid Inc. (“Plaid”) to gather your data from financial institutions. By using the Service, you grant Stargaze and Plaid the right, power, and authority to act on your behalf to access and transmit your personal and financial information from your relevant financial institution. You agree to your personal and financial information being transferred, stored, and processed by Plaid in accordance with the Plaid end user privacy policy.

Advertising partners. Third-party advertising companies for the Interest-based advertising purposes described above.

Affiliate brand partners. When you make a purchase on one of our affiliate brand partner sites, we may share information about you with those affiliate brand partners to operate the relevant promotional program, for example, so that we can credit your account with any earned rewards.

Third parties designated by you. We may share your personal data with third parties where you have instructed us or provided your consent to do so. For example, we may share your personal information with affiliate brand partners or other third-parties with whom we are collaborating in our promotional programs or to offer you additional services. We will share personal information that is needed for these other companies to make the promotion available, provide the services that you have requested and track participation in the promotion or service.

Professional advisors. Professional advisors, such as lawyers, auditors, bankers and insurers, where necessary in the course of the professional services that they render to us.

Authorities and others. Law enforcement, government authorities, and private parties, as we believe in good faith to be necessary or appropriate for the Compliance and protection purposes described above.

Business transferees. Parties (and their advisors) to business transactions or proposed transactions involving a corporate divestiture, merger, consolidation, acquisition, reorganization, sale or other disposition of all or any portion of the business or assets of, or equity interests in, Stargaze or our affiliates (including, in connection with insolvency, bankruptcy or similar proceedings).

Your choices

In this section, we describe the rights and choices available to all users. California and Nevada residents can find additional information about their rights in the section below.

Access or update your information. If you have a Stargaze account, you can review and update information in your account settings.

Opt-out of marketing communications

You may opt-out of marketing-related emails by following the opt-out or unsubscribe instructions at the bottom of the email. Please note that if you choose to opt-out of marketing-related emails, you may continue to receive service-related and other non-marketing emails.

Mobile location data

As a general rule we collect data concerning your device’s precise geolocation. You can disable our access to your device’s precise geolocation in your mobile device settings.

Most browsers let you remove or reject cookies. To do this, follow the instructions in your browser settings. Many browsers accept cookies by default until you change your settings. Please note that if you set your browser to disable cookies, our websites may not work properly. For more information about cookies, including how to see what cookies have been set on your device and how to manage and delete them, visit www.allaboutcookies.org. To opt-out of data collection through our analytics provider, Google Analytics, visit https://tools.google.com/dlpage/gaoptout.

Blocking web beacons

Most browsers offer settings that allow you to configure your device to prevent images that would include web beacons/clear GIFs from loading.

Interest-based advertising

Steps you can take to opt-out out of use of your personal information for interest-based advertising include:

Browser settings. Blocking third-party cookies in your browser settings.
Privacy browsers/plug-ins. Using privacy browsers or ad-blocking browser plug-ins that let you block tracking technologies.
Platform settings. Using Google’s and Facebook’s opt-out tools to opt-out of their use of your information for interest based advertising:

Google: https://adssettings.google.com/
Facebook: https://www.facebook.com/about/ads
Mobile settings. Using your mobile device settings to limit use of the advertising ID associated with your mobile device for Interest-based advertising purposes.

You will need to apply these opt-out settings on each device and browser from which you wish to opt-out. Please note that we also may work with companies that offer their own opt-out mechanisms and may not participate in the ad industry opt-out mechanisms that we linked to above.

Do not track

Some Internet browsers may be configured to send “Do Not Track” signals to the online services that you visit. We currently do not respond to “Do Not Track” or similar signals except where we expressly indicate otherwise. To find out more about “Do Not Track,” please visit http://www.allaboutdnt.com.

Declining to provide information

We need to collect personal information to provide certain services. If you do not provide the information we identify as required or mandatory, we may not be able to provide those services.

Close your account

To request that we close your Service account or delete your personal information associated with your account, please contact us to request account closure. Certain personal information associated with your account may be retained after account closure in accordance with our data retention policies where required or permitted by applicable law.

Other sites and services

The Service may contain links to websites, mobile applications, and other online services operated by third parties. In addition, our content may be integrated into web pages or other online services that are not associated with us. These links and integrations are not an endorsement of, or representation that we are affiliated with, any third party. We do not control websites, mobile applications or online services operated by third parties, and we are not responsible for their actions. We encourage you to read the privacy policies of the other websites and mobile applications and online services you use.

Security

We employ, test and regularly re-evaluate reasonable technical, organizational and physical safeguards designed to protect the confidentiality, integrity and security of the personal information we collect, both when we receive it and during transit, such as by encrypting credit card numbers and other sensitive personal information that you enter into the Service. However, security risk is inherent in all internet and information technologies and we cannot guarantee the security of your personal information.

International data transfer

We are headquartered in the United States and may use service providers that operate in other countries. Your personal information may be transferred to the United States or other locations where privacy laws may not be as protective as those in your state, province, or country.

Children

The Service is not intended for use by children under 18 years old. In case we learn that we have collected personal information through the Service from a child under 18 in a manner prohibited by law, we will comply with legal requirements to delete it. We encourage parents or any authorized guardians with concerns to contact us via contact information placed below.

Changes to this Privacy Policy

We reserve the right to modify this Privacy Policy at any time. If we make material changes to this Privacy Policy, we will notify you by updating the date of this Privacy Policy and posting it on the Service. If required by law we will also provide notification of changes in another way that we believe is reasonably likely to reach you, such as via email or another manner through the Service. Any modifications to this Privacy Policy will be effective upon our posting the modified version (or as otherwise indicated at the time of posting). In all cases, your use of the Service after the effective date of any modified Privacy Policy indicates your acceptance of the modified Privacy Policy.

How to contact us

Stargaze Tech Inc.

16192 COASTAL HIGHWAY

Lewes, DE 19958

support@joinstargaze.com

California privacy notice

This notice contains terms of our collection, use and disclosure of personal information of California residents in our capacity as a “business” under the California Consumer Privacy Act (“CCPA”) and their rights with respect to their personal information. For purposes of this California privacy notice, “personal information” has the meaning given in the CCPA but does not include information exempted from the scope of the CCPA, such as information described in our Stargaze Privacy Notice pursuant to the Gramm-Leach-Bliley Act.

Your privacy rights. If you’re a California resident, you have the following rights under the CCPA:

Right to know. You can request information about the categories of personal information that we have collected; the categories of sources from which we collected personal information; the business or commercial purpose for collecting, sharing and/or selling personal information; the categories of any personal information that we sold or disclosed for a business purpose; and the categories of any third parties with whom personal information was sold, shared or disclosed for a business purpose.
Right to access. You can request a copy of certain personal information that we have collected about you.
Right to deletion. You can request that we delete personal information that we collected from you.
Right to correction. You can request that we correct inaccurate personal information that we have collected about you.
Right to opt-out. You can request to opt-out of disclosures of your personal information that constitute “selling” or “sharing” of your personal information as defined in the CCPA.
Nondiscrimination. You are entitled to exercise the rights described above free from discrimination as prohibited by the CCPA.

You may submit requests to exercise your right to know, access, deletion and correction by emailing support@joinstargaze.com. The rights described above are not absolute, and in certain cases, we may decline your request as permitted by law. We cannot process your request if you do not provide us with sufficient detail to allow us to understand and respond to it.

Identity verification. We need to verify your identity to process your requests to exercise your rights to know, access, deletion, and correction, and we reserve the right to confirm your California residency. To verify your identity, we may require you to log into your Stargaze account if you have one, provide identifiers we can match against information we may have collected from you previously, confirm your request using the email address or telephone number used to make the request, provide government identification, or provide a declaration under penalty of perjury, where permitted by law.

Authorized agents. Your authorized agent may make a request on your behalf upon our verification of the agent’s identity and our receipt of a copy of a valid power of attorney given to your authorized agent pursuant to applicable state law. If you have not provided your agent with such a power of attorney, we may ask you and/or your agent to take additional steps permitted by law to verify that your request is authorized, such as information required to verify your identity and that you have given the authorized agent permission to submit the request.

Information practices. The following describes our practices currently and during the past 12 months:

Sales and sharing of personal information. Our use of the Interest-based advertising services described above may constitute “sharing” of your personal information under the CCPA from which you have the right to opt-out. That is because these services use our users’ personal information (specifically, the contact data, device data and online activity data described above in Personal information we collect to show you ads they think may interest you on other online services. You may opt-out of such sharing by Stargaze by clicking ‘Your Privacy Choices’ at the footer of this site. Your request to opt-out will apply only to the browser and the device from which you submit the request. We do not “sell” personal information as defined by the CCPA, and have no actual knowledge that we have sold or shared the personal information of California residents under 16 years of age.
Sensitive personal information. We do not use or disclose sensitive personal information for purposes that California residents have a right to limit under the CCPA.
Deidentified data. We do not to attempt to reidentify deidentified information that we derive from personal information, except for the purpose of testing whether our deidentification processes comply with applicable law.
Sources and purposes. We collect all categories of personal information from the sources and use them for the business/commercial purposes described above in the Privacy Policy.

Nevada privacy notice

Certain Nevada consumers may opt out of the sale of “personally identifiable information” for “monetary consideration,” as defined under Nevada law, to a person for that person to license or sell such information to others. We do not engage in such activity; however, if you are a Nevada resident who has purchased goods or services from us, you may submit a request to opt out of any future sales under Nevada law by contacting us as detailed in the “Contact Us” section above. Please note we may take reasonable steps to verify your identity and the authenticity of the request.