Privacy Policy & Terms of Service

Last Revised on June 10, 2025

This Privacy Policy for Hammer Media, LLC (“ Hammer Media” "we," "us," or "our"), describes how and why we might access, collect, store, use, and/or share ("process") your personal information when you use our services ("Services"), including when you:

• Visit our website at https://www.dollarwise.app, or any website of ours that links to this Privacy Notice
• Download and use our mobile application (DollarWise), or any other application of ours that links to this Privacy Notice
• Create an account for and use the DollarWise app (the “App” or “DollarWise”)
• Engage with us in other related ways, including usage of or interaction with any of our social media accounts, and interaction with us at any sales, marketing, or events we attend

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Our Commitment to Online Privacy

At Hammer Media, LLC, we care about our users' online privacy. We have this Privacy Policy (the “Policy”) to ensure that you understand what we are doing with your Personal Information (as defined below) and to remind you that you have rights when it comes to controlling what is shared online.

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Please note that this Policy is subject to our Terms of Use Agreement (the “ToU”). There are terms in the ToU that materially affect your right to bring a lawsuit against Hammer Media and other rights regarding this Policy. As such, you should read the ToU in addition to this Policy.

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Acceptance of Policy

We know these privacy policies can be tedious to get through. However, by continuing to use our Online Services, you agree to let us use your information in the ways discussed in this Policy. For this reason, it would greatly benefit you to read this entire Policy.

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Changes Made to This Policy

We may modify this Policy from time to time. The date at the top of this Policy lets you know when this Policy was last revised. It is important to check back here occasionally to make sure you have read the latest policy. By continuing to access or use our Online Services after the policy changes, you allow us to use your Personal Information in the way we describe in our updated policy.

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Online Services This Policy Covers

Hammer Media offers the following products and services in connection with this Policy:

1. a downloadable application (the “App” or “DollarWise”), where users can make profiles, create budgets, and keep track of their spending. 
2. Paid subscriptions increase the App’s capabilities (“Premium Plan(s)”). Premium Plans can be purchased directly on the App or through the third-party app store where you downloaded DollarWise. 

This Policy applies to our online services, including the App and our social media pages.(collectively the “Online Services”). 

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Services This Policy Doesn’t Cover

We love supporting our partners, and to show our appreciation, we may link to their websites and services. You may also see external links when you connect your third-party accounts to the App. We use Plaid Inc. (“Plaid”) to provide this account connection feature in the App. When you click on one of these links, you are leaving Hammer Media, and this Policy no longer applies. The way our partners or other third parties do business is out of our hands, and we assume no responsibility for the content, privacy policies, or practices of any third-party website or service. Please note that when you are using any other third-party platform to interact with our Online Services such as the Apple or Android app store, Google, Instagram, or Facebook, you agree to their policies, and this Policy is in addition not in place of such agreements. We are not responsible for errors in purchasing of third-party products. Plaid’s end user privacy policy can be found here. 

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What is Personal Information?

“Personal Information” is any information that may allow for an individual to be personally identified. For example, your name, email address, social security number, phone number, residential address, and credit card details are all considered Personal Information. Other information, such as your interests, economic status, customer number, IP address, geolocation, education, and job title, may also be considered Personal Information if that information, when combined with other information, is used to reveal your identity.

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Personal Information that Hammer Media Collects

We collect personal information that you voluntarily provide to us when you register for the Online Services, express an interest in obtaining information about us or our products and Services, when you participate in activities on the Services, or otherwise when you contact us.

Personal Information Provided by You. The personal information that we collect depends on the context of your interactions with us and the Online Services, the choices you make, and the products and features you use. We only collect Personal Information from you when you voluntarily agree to us collecting and using it. You voluntarily agree to us collecting and using your Personal Information by:

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• Directly providing the Personal Information to us: In some circumstances, when interacting with our Online Services, you may be asked to provide specific information so that we can help you with a particular inquiry, or you may give information to us on your own accord, such information may include: 
  
  • Personal Information which may include the following: Names, email addresses, usernames, and financial transaction information (only is users link Plaid as described below)
    
    For example, you consent for us to use the Personal Information you have provided when you create an account or profile for our App, reach out to us by email or through our social media accounts, when you use any “contact us” form on our Online Services, when you interact with our support or customer service teams, and when you interact or comment on our social media pages. When providing Personal Information, you permit us to use such information to fulfill your requests and for our legitimate business purposes. The information that you provide when you order a Premium Plan, such as your credit card information and email address, is not made available to the public. You should also be aware that your comments on our social media pages are accessible to the public. 

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• Interacting with our services: In use of the Online Services You also may voluntarily permit us to collect other information including: 
  
  • Geolocation Information. We may request access or permission to track location-based information from your mobile device, either continuously or while you are using our mobile application(s), to provide certain location-based services. If you wish to change our access or permissions, you may do so in your device's settings.
  • Mobile Device Access. We may request access or permission to certain features from your mobile device, including your mobile device's bluetooth, calendar, contacts, reminders, storage, and other features. If you wish to change our access or permissions, you may do so in your device's settings.
  • Mobile Device Data. We automatically collect device information (such as your mobile device ID, model, and manufacturer), operating system, version information and system configuration information, device and application identification numbers, browser type and version, hardware model Internet service provider and/or mobile carrier, and Internet Protocol (IP) address (or proxy server). If you are using our application(s), we may also collect information about the phone network associated with your mobile device, your mobile device’s operating system or platform, the type of mobile device you use, your mobile device’s unique device ID, and information about the features of our application(s) you accessed.
  • Push Notifications. We may request to send you push notifications regarding your account or certain features of the application(s). If you wish to opt out from receiving these types of communications, you may turn them off in your device's settings.
    
    

This information is primarily needed to maintain the security and operation of our application(s), for troubleshooting, and for our internal analytics and reporting purposes.

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All personal information that you provide to us must be true, complete, and accurate, and you must notify us of any changes to such personal information.

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What Happens When I Link My Bank Accounts?

With your express permission, we use Plaid Inc. (“Plaid”) to gather your data from financial institutions. By using the App and opting to link your accounts through Plaid, you grant us 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. We may also use financial institutions to process your ACH funds transfers from your funding source bank account if you purchase a Premium Plan and choose this method of payment.

In addition to this, through accessing Plaid and linking your accounts, you also grant us access to the financial transaction information of the accounts that you linked. This includes purchases and the amounts of purchases; it DOES NOT include your account number, login, or any other security information which all remain private and we never see it. We use this information to provide the core budgeting services of our app. However, you can still opt out of this usage using in-app options or other options we lay out later in this agreement.

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What About My Credit Card Information?

Any product purchases made through a third-party link, including purchases of a Premium Plan through a third-party app store, are processed directly through the third-party vendors. When making a purchase through such a third-party vendor, we cannot control and are not liable for how your credit card is processed, and you are subject to such third parties’ terms of service and privacy policies. All Premium Plan purchases made through the App are processed through your payment method connected to the App Store or through your funding source bank account using Plaid, at your election. This means we never personally see or store your credit card information or bank information when you use our Online Services unless there is a technical error resulting in us needing to manually enter your payment details with your express permission.  

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What About My Passwords?

To access our App, you must create an account and password. Your password is fully encrypted, and we never get access to this information. If you forget your password, simply use the “forgot my password” link to reset it. There may also be times when a password is required to access other certain accounts, such as when you make a purchase with a third-party affiliate or when you are interacting via our social media platforms. The third-party platform completely administers these passwords, and we do not have access to such passwords. We may also allow you to use 2-step verification in connection with your account to add an extra layer of protection to your financial information shared within the App.

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Cookie Policy

Cookies are small files that we transfer to your computer’s hard drive through your browser when using and interacting with our Online Services. 

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• Types of cookies we use: We use both session cookies that are erased once you exit your browser and persistent cookies that stay on your device for a set period of time or until you manually delete them. 

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• Why does Hammer Media use cookies? We mainly use cookies to help ensure you have the best user experience possible. However, as mentioned above, we also use cookies to provide us with insight into things like the number of visitors to our App, the type of devices being used to access our App, how visitors ended up on our App, and the general geographic area they are located (again, this information is aggregated and anonymized). As you have probably heard, cookies may also be used to ensure that you see advertisements relevant to your interests. Currently, we do not use targeted advertising on our App or sell any advertising space on our App for third-party use, but we reserve the right to do this in the future. At times, we also may use targeted advertising through YouTube, Google, Instagram, Facebook, and other third-party websites. Such third parties use cookies on their platforms to collect information about your interests. When we advertise our Online Services through their platforms, we can select a targeted audience we hope may be interested in our Online Services. That is why you may see some paid or sponsored advertisements from us while using these platforms.

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• Can I block cookies? Most browsers have an option to stop your computer from accepting cookies altogether, as well as an option to stop only certain types of cookies. If you decide to block cookies, our Online Services may operate a little strangely, as we rely on some cookies for our Online Services’ functionality. If it is mainly targeted advertising that you are concerned about, you can choose to specifically opt-out of targeted advertising by going the following links:

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Facebook - https://www.facebook.com/settings/?tab=ads
Google - https://adssettings.google.com 

Digital Advertising Alliance - http://optout.aboutads.info/ 

You can learn more about cookies at www.allaboutcookies.org.

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Legal Basis for Processing Your Information

If you are located in the EU or UK, this section applies to you.

The General Data Protection Regulation (GDPR) and UK GDPR require us to explain the valid legal bases we rely on in order to process your personal information. As such, we may rely on the following legal bases to process your personal information:

• Consent. We may process your information if you have given us permission (i.e., consent) to use your personal information for a specific purpose. You can withdraw your consent at any time. Learn more about withdrawing your consent.
• Performance of a Contract. We may process your personal information when we believe it is necessary to fulfill our contractual obligations to you, including providing our Services or at your request prior to entering into a contract with you. This includes financial transaction information we access through Plaid.
• Legitimate Interests. We may process your information when we believe it is reasonably necessary to achieve our legitimate business interests and those interests do not outweigh your interests and fundamental rights and freedoms. For example, we may process your personal information for some of the purposes described in order to:
• Diagnose problems and/or prevent fraudulent activities
• Understand how our users use our products and services so we can improve user experience
• Legal Obligations. We may process your information where we believe it is necessary for compliance with our legal obligations, such as to cooperate with a law enforcement body or regulatory agency, exercise or defend our legal rights, or disclose your information as evidence in litigation in which we are involved.
• Vital Interests. We may process your information where we believe it is necessary to protect your vital interests or the vital interests of a third party, such as situations involving potential threats to the safety of any person.

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If you are located in Canada, this section applies to you.

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We may process your information if you have given us specific permission (i.e., express consent) to use your personal information for a specific purpose, or in situations where your permission can be inferred (i.e., implied consent). You can withdraw your consent at any time.

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In some exceptional cases, we may be legally permitted under applicable law to process your information without your consent, including, for example:

• If collection is clearly in the interests of an individual and consent cannot be obtained in a timely way
• For investigations and fraud detection and prevention
• For business transactions provided certain conditions are met
• If it is contained in a witness statement and the collection is necessary to assess, process, or settle an insurance claim
• For identifying injured, ill, or deceased persons and communicating with next of kin
• If we have reasonable grounds to believe an individual has been, is, or may be victim of financial abuse
• If it is reasonable to expect collection and use with consent would compromise the availability or the accuracy of the information and the collection is reasonable for purposes related to investigating a breach of an agreement or a contravention of the laws of Canada or a province
• If disclosure is required to comply with a subpoena, warrant, court order, or rules of the court relating to the production of records
• If it was produced by an individual in the course of their employment, business, or profession and the collection is consistent with the purposes for which the information was produced
• If the collection is solely for journalistic, artistic, or literary purposes
• If the information is publicly available and is specified by the regulations

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Reasons Hammer Media Collects Personal Information

We do not collect your Personal Information for the purpose of selling, renting, trading, or otherwise abusing it. We only use your Personal Information for our legitimate business purposes, including, but not limited to, the following reasons:

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• To personalize our online features and content;
• To fulfill or enforce a contract that you have entered into with us;
• To help you efficiently access your information;
• To allow for affiliated third parties to provide additional services to you;
• To improve, monitor, and test our Online Services and new products or features;
• To prevent, investigate and address the misuse of our Online Services;
• To learn about the types of people that are using our Online Services and how we can better market to those people;
• To allow you to contact us;
• To allow you to participate in social sharing;
• To allow you to access and participate in our Online Services;
• To respond to your inquiries and fulfill your requests;
• To comply with law enforcement and other regulatory authorities; and
• To communicate with you about our Online Services and features.

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Sharing of Personal Information with Third Parties

Although we try to limit who we share your Personal Information with, there are situations where sharing is necessary for our legitimate business purposes. We may share your Personal Information with third parties in the following ways:

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• Agents: Sometimes, we may need to use other trusted companies and individuals to help us provide our Online Services. Whenever a company or individual is working for us, they are acting as our agent. Sometimes our agents may need to access your Personal Information for a particular task, but they do not have the right to use your Personal Information beyond what is necessary and must comply with our privacy practices.

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• New Owners: If we are involved in a bankruptcy, merger, acquisition, reorganization, or sale of assets, your Personal Information may be sold or transferred as part of that transaction.

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• Third-Party Software and Apps: We use several third-party software and apps to make our jobs a little easier. Some Personal Information may be stored, processed, or shared with these apps.
  
  Your information will also be shared with Plaid if you choose to connect your financial accounts to the App.

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• Law Enforcement: We may sometimes be required to share your Personal Information with law enforcement. We will only share your Personal Information when we believe, in good faith, that sharing your information is necessary to protect our business, our clients, or we are obligated under the law to provide such information. Examples include where a legal warrant or subpoena has been issued to us, where we must report information due to a belief that fraud or misuse of our Online Services has occurred, or where our property or safety, or a user’s property or safety, is at risk. In fraud cases, we may also be required to share your Personal Information with investigatory authorities and banks.

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Messages Policy

• Messages you can opt out of: We may, at times, send you emails, text messages, newsletters, push notifications, and other messages (collectively the “Messages”) related to the App and our Online Services, and to keep you updated on what is happening with the App, our business, and new Online Service offerings. If you are receiving these types of Messages, it means that you consented to receive these Messages either by opting-in or by otherwise letting us know that it was all good for us to contact you in this way.
  
  If you accept push notifications via the App but no longer wish to receive push notifications, you may opt out by changing your notification settings within the App and/or via your mobile device settings.
  
  For all other Messages, you can unsubscribe or opt-out by following the instructions in the specific Message or emailing us at support@dollarwise.com. We will be sad to see you leave!

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• Messages you will not be able to opt out of: You will not be able to opt out of some important Messages. For example, we may notify you that updates have been made to this Policy or in the unlikely event that our security safeguards have been breached.

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Personal Information Retention and Your Rights

Hammer Media only keeps your Personal Information for as long as necessary to provide our Online Services and per our legal obligations. Depending on your residency, under the law (e.g., the California Consumer Privacy Act and General Data Protection Regulation), you may also have the right to request at any time for us to:

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• Give you access to any Personal Information that we have processed;
• Disclose third parties we have shared your Personal Information with;
• Correct any Personal Information that may have been incorrectly processed;
• Delete your Personal Information from our storage systems;
• Transfer your Personal Information to another service, when technically feasible; and
• Stop using your Personal Information in specific ways by withdrawing the consent you have given us.

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Regardless of whether we are obligated under the law or not, if you would like us to do any of the above, you can contact us using the information provided at the end of this Policy. We will do our best to try to fulfill your requests. However, sometimes we may be required to retain your Personal Information to comply with our administrative, legal, and/or regulatory obligations. For example, we may be required to keep a history of transactions to report our taxes or may need to retain some Personal Information for law enforcement purposes (e.g., fraud monitoring, detection, and prevention). Additionally, we reserve the right to de-identify your data by removing identifying details rather than deleting it completely. For more information regarding your specific rights under the laws of the jurisdiction you reside, visit: 

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• US State Privacy Legislation Tracker: https://iapp.org/resources/article/us-state-privacy-legislation-tracker/
• Data Protection and Privacy Legislation Worldwide: https://unctad.org/page/data-protection-and-privacy-legislation-worldwide 

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Privacy Rights In Some Non-US Jurisdictions

In some regions (like the EEA, UK, Switzerland, and Canada), you have certain rights under applicable data protection laws. These may include 

• The right to request access and obtain a copy of your personal information. 
• The right to request rectification or erasure. 
• The right to restrict the processing of your personal information
• The right, if applicable, to data portability. 
• The right not to be subject to automated decision-making. 

In certain circumstances, you may also have the right to object to the processing of your personal information. You can make such a request by contacting us using the contact details provided at the end of this Policy

We will consider and act upon any request in accordance with applicable data protection laws.

If you are located in the EEA or UK and you believe we are unlawfully processing your personal information, you also have the right to complain to your Member State data protection authority or UK data protection authority.

Withdrawing your consent: If we are relying on your consent to process your personal information, which may be express and/or implied consent depending on the applicable law, you have the right to withdraw your consent at any time. You can withdraw your consent at any time by contacting us using the contact details provided at the end of this Policy or updating your preferences within the App.

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However, please note that this will not affect the lawfulness of the processing before its withdrawal nor, when applicable law allows, will it affect the processing of your personal information conducted in reliance on lawful processing grounds other than consent.

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Account Information: If you would at any time like to review or change the information in your account or terminate your account, you can contact us using the contact details provided at the end of this Policy.

Upon your request to terminate your account, we will deactivate or delete your account and information from our active databases. However, we may retain some information in our files to prevent fraud, troubleshoot problems, assist with any investigations, enforce our legal terms and/or comply with applicable legal requirements.

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Where Your Information is Processed and Stored

We are a business that is formed and operated in the United States. However, in addition to storing Personal Information directly onto our internal servers, we also may use some third-party cloud storage systems and apps to ensure that your Personal Information is not lost. These third parties may store and transfer your information outside of the United States. In certain situations, the courts, law enforcement agencies, regulatory agencies, or security authorities in those countries might be entitled to access your Personal Information. 

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How to Request Deletion of Your Data

If you would like your data deleted from the DollarWise app, please email us at support@dollarwise.com with the subject line “Data Deletion Request” and include the email address associated with your account.

We will process your request within 30 days and notify you once it’s complete.

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Liability for Third-Party Software, Apps & Services

We always use our best efforts to pick reputable third-party software, platforms, services, and apps. However, we do not control such third parties and are not liable for any breach of privacy or data security that occurs due to the fault of these third parties.

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Keeping Your Information Safe

We are committed to protecting your Personal Information and have physical, electronic, and managerial systems and procedures in place to help safeguard your Personal Information. Unfortunately, no system can guarantee complete security. Third-party viruses or security failures may result in your Personal Information being compromised. You can help prevent unauthorized access to your Personal Information by using antivirus software, creating strong passwords, and limiting access to your personal computer. In the unlikely event that your Personal Information is compromised due to a security breach on our end, we will notify you, per the law, as soon as reasonably possible.

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Protection of Children

You are not permitted to use our App unless you are over the age of 18 or the age of majority to legally enter into a contract under the laws of your home country if that happens to be greater than 18. Additionally, all of our other Online Services are not targeted or intended to be used by people under the age of 18. All children between the ages of 13 and 17 must have permission from their parent or guardian before accessing our other Online Services. If you live outside of the United States, your country may apply stricter age limits. In some cases, even if you are older than 13, you may not be legally allowed to access our other Online Services regardless of having parental permission. We do not knowingly collect Personal Information from anyone under the age of 13 and delete such Personal Information as soon as we become aware of it.

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Dispute Resolution

We will always try to resolve your concerns about our privacy practices promptly and hope that together we can find a solution without involving costly legal channels. However, if we cannot agree, by using our Online Services, you agree to binding arbitration rather than formal court proceedings to have the matter resolved. You can read more about this process in our ToU. THE DISPUTE RESOLUTION TERMS IN OUR TOU MATERIALLY AFFECT YOUR ABILITY TO BRING A LAWSUIT AGAINST US IN REGARDS TO THIS POLICY AND OUR ONLINE SERVICES. PLEASE READ THESE TERMS CAREFULLY.

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Additional ToU Terms

This Privacy Policy is subject to terms stated within our ToU. Specifically, this agreement is subject to all clauses in our ToU regarding warranties, limitation of liability, indemnification, assignment, waiver, severability, applicable law, jurisdiction, and any other ToU provisions that logically ought to apply to this Policy. 

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Entire Agreement

This Policy and our ToU represent the entire and exclusive agreement between our users and us. All previous written and oral agreements and communications related to the subject matter of this Policy and our ToU are superseded.

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Contact Hammer Media

Thank you for your patience in getting through all of the necessary legal language in this document! We have tried to be as transparent as possible in communicating our expectations regarding our Online Services. However, if you have any questions about this Policy, our ToU, or our Online Services in general, please reach out! We would be more than happy to explain.

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1023 Springdale Suite 1J

Austin, Tx 78721

support@dollarwise.com

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