Full Privacy Policy
Information We Collect and Why
In order to provide a high-quality service, Orazo collects various types of information when you visit the website or mobile app, sign-up as a customer, or otherwise engage with Orazo.
Visitor Information
We collect various types of anonymous information about visitors to Orazo, such as device-related information (including browser type and IP address) and server log information (including the date and time of day of your visit, average time spent on the Orazo site, browsing activity, and any site that referred you to Orazo). We also collect information that you input into our website, such as your name, phone number, or email address when you begin the account application process or comment on the Orazo blog. We use this information to better understand our visitors and our business, facilitate site navigation, provide the services or information you request, and enhance the Orazo service. To the extent you enter identifying information as part of the account application process, we are required by law to store that information to comply with federal regulations.
Customer Information
When you choose to create an account with Orazo, we will also collect certain personal information, including your full legal name, email address, permanent address, date of birth, social security number and information about financial status. We are required by law to collect and store this information to provide you with financial services. If you do not wish to provide this information, you cannot become a Orazo customer.
Other Ways We Collect Information
Apart from through the account opening process and from visitors to the site, we may collect various other types of personal information if you or a friend engages with Orazo. We collect your email address as part of our customer referral service or if you subscribe to the Orazo blog. We may also collect personal information if you enter it into our live chat program or contact us or otherwise give it to us (e.g., in an email, phone call, or live chat with a member of our customer support team). Further, we may collect information regarding your browsing activity when you visit Orazo’s websites and actions you take within your Orazo account while logged in to your Orazo account.
Cookies and Pixels
Cookies are small pieces of data that are stored on your computer, mobile phone or any other device used to access the internet. Pixels are small code blocks on a website that allow for another server to measure viewing of a webpage and often are used in connection with cookies.
We use these technologies to customize Orazo and improve your experience with the site. Cookies store information, such as whether you viewed the site from your mobile device. We may store some personal information in a cookie and/or pixel, such as the site that you visited immediately prior to visiting Orazo and relevant financial information that allows us to enhance your user experience and for marketing purposes. Additionally, we may use a cookie and/or pixel to track visitors across various websites or devices to better customize our marketing and advertising campaigns. We also offer certain tools from third-party service providers that may use cookies and/or pixels.
Cookies, pixels, and similar technologies are not required for site functionality. You are not required to accept any cookies or pixels to use this site. However, refusing to accept cookies or pixels will make the use of Orazo more cumbersome and less accessible.
Advertising Companies
Orazo advertises our services on websites not affiliated with Orazo, and we contract with third-party advertising companies to display these ads. These third-party advertising companies, along with data exchanges and similar providers, may use cookies and similar technologies to collect technical and web navigational information, such as device type, browser type, IP address, and pages visited. We do not provide personally identifiable information to these advertising companies.
Analytics Services
We use third-party analytics tools, including “Google Analytics” (such tools collectively referred to as “Analytics Services”) to collect information about the usage of this site. The Analytics Services collect information about how often users visit this site, what pages they visit when they do so, and what other sites they used prior to coming to this site, among other information. We use the information we get from these Analytics Services to improve this site.
These Analytics Services collect the IP address assigned to you on the date you visit this site, along with other anonymized information (e.g., browser type and type of device used to visit the site), but not your name or other personally identifiable information. The Analytics Services’ ability to use and share information about your visits to this site is restricted by their terms of use and privacy policies. You can prevent Google Analytics from recognizing you on return visits to this site by disabling cookies on your browser. You can opt-out of Google Analytics by installing the Google Analytics Opt-out Browser Add-on.
How We Use Your Personal Information
Orazo uses your personal information to provide financial advice and other services; enhance your customer experience; improve our products and features; provide customer support; open, operate, and maintain your account in accordance with US law; investigate and understand how Orazo is used; monitor and protect the security and integrity of Orazo; and better market and advertise Orazo’s services. If you link external accounts to your Orazo account, we may use transactional data from those accounts to provide you with financial advice or to recommend additional Orazo products and services to you. You understand and agree that Orazo will compare your identifying information with government-provided lists of suspected terrorists.
As part of this process, we may from time to time include, compile, or aggregate some of your personal information in certain data analyses, reports, or other interpretations of investment trends for both internal and external purposes. When including, compiling, or aggregating personal information for such purposes, we make sure that the information is anonymized such that it is not identifiable to any particular customer.
Additionally, we, or our service providers, may use your personal information to contact you regarding Orazo's services, resources, or Orazo job openings that we think may be of interest to you. Please note that if you hold an account with Orazo, you cannot opt-out of certain communications related to the administration of your account, including communications related to billing, statement and trade confirmation delivery or certain regulatory matters.
If Orazo is unable to contact you over email because your email address returned an undeliverable message (a "bounceback"), you understand and agree that Orazo may make alternative attempts to contact you via phone, SMS text, mail, or other communication means.
If you provide your phone number to Orazo, Orazo may contact you by phone regarding opening and/or funding an account. You may request to be put on a "Do Not Call" list maintained by Orazo.
How We Share Your Information
We do not sell, rent, or trade your personal information with any third parties other than with your consent or as required by law.
In order to provide financial services and in connection with our everyday business purposes and activities, we may share your personal information with third parties who perform services on our behalf. Examples of these third parties and services include consumer identification verification services, public accounting firms and other professional firms, and certain other vendors and service providers who perform marketing, advertising, research and analytics services on our behalf. We have entered into agreements that require that these third parties keep this information confidential. We may also disclose your information to other third-party financial institutions, e.g., if you ask to transfer assets from Orazo to such financial institutions or if you make student loan repayments using Orazo's student loan management services. If you choose to use Orazo’s charitable giving feature, we will share your name and email address with the recipient charity, which the recipient charity may use to contact you.
We may also disclose personal information in response to service of legal process, such as a court order, summons, or subpoena, or as permitted or required by law when we reasonably believe it is necessary or appropriate to investigate, prevent, or take action regarding illegal activities, suspected fraud (including identity theft), frontrunning or scalping, situations involving potential threats to the physical safety of any person, or suspected violations of our Terms of Service or customer agreements. We also may disclose information about you if necessary to determine your eligibility to recover compensation in connection with class action lawsuits.
Furthermore, we may disclose personal information in specific other cases with your consent.
If you conduct business with us through Orazo for Advisors, we may exchange information we collect with your investment professional or with others they may authorize.
How we share your personal information for marketing and research analytics
As disclosed above, we use certain vendors and service providers who perform marketing, advertising, research and analytics services on our behalf.
These include platforms that monitor and provide analytics on our systems, applications that support automated emails for marketing efforts, applications that allow us to build personalized social media campaigns, and tools to record customer communication and interaction history. We use these service providers to comply with regulatory requirements, provide financial services, enhance your customer experience, improve our products and features, and provide customer support. These vendors and service providers with whom we share your personal information are bound by agreements with us to keep your personal information confidential and we never rent or sell your information to anyone.
We use reasonable efforts to limit the sharing of personally identifiable information with vendors and service providers when it is not reasonably required for the service and share anonymized or hashed information in lieu of personal information when it is practicable. Certain experiences on Orazo's website and applications may entail engaging directly with third-party service providers. In such situations, you will be presented with terms and conditions that apply to the use of that service, which may include authorizing such service providers to use anonymized data from your engagement to improve their own products or services. For more information about anonymized information, see details below.
How to Request Deletion of the Personal Information We Collect
Orazo allows you to close your Orazo accounts. Closing a joint account works in the same manner, and either joint account holder can delete a shared joint account. Please note that we retain information on deleted accounts as required for legal, regulatory and security purposes.
How Your Personal Information is Protected
Orazo works diligently to protect your personal information. We employ several physical and electronic safeguards to keep your information safe. We use the strongest available browser encryption, store all of our data on servers in secure facilities, and implement systematic processes and procedures for securing and storing data. We limit access to your personal and financial information to only those employees with authorized access who need to know the information in order to perform their jobs, and we require third parties who perform services for Orazo to agree to keep your information confidential.
Furthermore, if you choose to close your account or your account is terminated with us, we will continue to adhere to the privacy policies and practices outlined here. If you maintain a Orazo account that you access through our website or mobile apps, you are responsible for protecting and maintaining the confidentiality of your account and password and restricting access to your computer.
How You Can Access or Change Your Personal Information That We Have Collected
Once you have registered with Orazo, you can access your profile, review the information that is stored, and revise that information. If you have any problems, you may also contact us at support@orazo.com. Due to US regulatory requirements, we do not delete residual copies of outdated information and must preserve all customer data for a minimum of three years.
Anonymized Information
We may share anonymized information that is summarized or derived from information you provide to us with third parties. Anonymous information is information that does not include any personally identifiable information. From time to time, Orazo performs analysis on investing-related topics using anonymized and/or summarized insights from customers. Such research reports, blog posts or findings may be shared with external publishers or published by us on financial topics of interest.
Other Important Information
Former Customers
If you are a former customer, these policies also apply to you; we treat your information with the same care as we do information about current customers. We preserve former customer data in order to comply with regulatory obligations.
How We Respond to Do Not Track Signals
Online tracking is the collection of data about an individual’s Internet activity used to deliver targeted advertisements and for other purposes. Customers using certain modern browsers have the ability to activate a “Do Not Track” signal. Orazo does not currently respond to the “Do Not Track” signal.
How You Accept This Policy
By using and continuing to use the Orazo websites, mobile apps and/or services, or otherwise providing us with personal information (such as an email address) you agree to the terms and conditions of this privacy policy and any updates thereto. This policy may change from time to time. This is our entire and exclusive privacy policy and it supersedes any earlier version. Our Terms and Conditions take precedence over any conflicting privacy policy provision.
Changes to the Policy
We may modify this privacy policy over time without prior notice by posting a new version of this privacy policy, which is your responsibility to review. Any changes to the privacy policy will be reflected on this page and will become effective immediately upon posting. We encourage you to periodically review this privacy policy to stay informed about how we are protecting the personally identifiable information we collect. If changes to the privacy policy are material, we will do our best to notify you via email or through a notification on the site or app. Please check the effective date below to determine if there have been any changes since you have last reviewed the Orazo privacy policy.
Children
Our service is not directed towards anyone under the age of 18. If a parent or guardian becomes aware that their child under the age of 18 has created an account with Orazo and/or provided us with personally identifiable information, please contact us at support@Orazo.com. Additionally, if we become aware at any point that a child under the age of 18 is using our service, we will terminate their account.
International Visitors
This Service is hosted in the United States. If you are an international visitor, you should note that by providing your personal information, you are: (i) permitting the transfer of your personal information to the United States which may not have the same data protection laws as the country in which you reside; and (ii) permitting the use of your personal information in accordance with this privacy policy.