Privacy Policy

This Privacy Policy describes Obvious’ collection, use, disclosure, retention and protection of your personal information.

By using our Service and registering for an account with us, you are accepting the terms of this Privacy Policy and the terms of the Terms of Use, and you are consenting to our collection, use, disclosure and retention of your personal information. If you do not consent to the collection, use, disclosure and retention of your personal information, you are not permitted to use the Service. That means that if you use our Service, you are taken to have consented to the collection, use, disclosure and retention of your personal information as set out in this Privacy Policy.

Capitalized terms in this Privacy Policy are set out in the Terms of Use for using the Service.

Personal information is information that is associated with a specific person or legal entity and could be used to identify that person, or legal entity whether from information or data that we have, or are likely to have access to, or that you voluntarily provide to us.

We collect, use, and retain personal information during the continuation of your relationship with us including each time you access our website or use the Service, including when you register for an account with us, enter information on our website forms, update or add information to your account, upload content, view or like content, or correspond with us. We may supplement the personal information we collect with information from third parties and add it to your account information, including information to verify your identity and to perform actions we are required to perform by law.

The personal information we collect may include:

• If you are a person, identifying information such as name, address, telephone number or email address;
• If you are a legal entity, corporate identifying information in respect of incorporation, address and name of directors;
• Transaction information connected with a transaction that you generate or that is connected to your account as a result of using the Service;
• Financial information, such as an account number; and
• Additional information we are required or authorized by law to collect, use and retain to identify you or to verify the information we have collected.

We may collect information from your computers and devices, including mobile devices, when you use the Service, which may include device type, device token, geo-location information, including location information from your mobile device and computer and connection information such as referral URL, your IP address, your browsing history and your web log information.

We may use web beacons, unique identifiers, and similar technologies to collect information about the pages you view, the links you click, and other actions you take using the Service.

We use the personal information we collect to provide the Service and to provide you with a personalized experience on Obvious. We may also use personal information to contact you about your account, or the Service and to detect, prevent, mitigate and investigate illegal or other activities related to the Service. We may also use and retain your personal information to contact you to enforce the Terms of Use or to comply with the law applicable to the Service.

We retain your personal information as long as it is necessary and relevant for our operations and for us to provide the Service to you. In addition, we retain personal information to comply with the law, enforce the Terms of Use and take other actions permitted or required by law or to enhance the security of the Service or to manage risks.

If you withdraw your consent for our collection, use or disclosure of your personal information for purposes set out in this Privacy Policy, you must terminate your account with us and we will not be able to provide the Service to you.

We may disclose your personal information to third parties. This disclosure may be required for us to provide you with access to the Service, to comply with the law, to enforce the Terms of Use, or to prevent, detect, mitigate, and investigate illegal activities related to the Service or to manage risks. We minimize the amount of personal information we disclose to what is necessary in the circumstances to accomplish the specified objective. Instances of disclosures include:

• To third parties, such as a financial institution payment processing product or service;
• For the prevention, detection, mitigation, and investigation of violations of the Terms of Use;
• To manage security risks, including cybersecurity and other risks;
• To financial institutions who provide financial services to you;
• To enforce the Terms of Use or to protect rights or property of third parties;
• To law enforcement or governmental agencies, or third-parties in response to a Court order; and
• To other parties as we determine is necessary or expedient to provide the Service and comply with the law.

The first time you visit the Obvious website, you may be sent a cookie that contains a unique identification number that can be easily retrieved during future visits. When you type the website URL in the address bar of your browser, your browser will contact the site you have entered and request its home page. The browser will search your hard drive for a cookie that may have been sent during a previous visit. If a cookie is found, the browser will send any information gathered from a previous visit to the web server. If a cookie is not found, then the browser will know you have not visited the site before. On the website, cookies are used to increase the robustness of these sites and to provide more efficient navigation. Cookies cannot view or retrieve data from other cookies, nor can they capture files and data stored on your computer. Cookies may be used by us to improve functionality and in some cases, to provide you with a customized online experience or to enhance security.

You may withdraw your consent to receive electronic communications from us. Unsubscribing to receiving electronic communications from us does not mean that we will cease communicating with you in respect of your account for all legal and business purposes. We are required by law in many instances to communicate with you in respect of the Service even if you unsubscribe to receive electronic communications from us, for example, in cases of suspected fraud or to comply with a legal directive.