BrightJoy.AI LLC ("BrightJoy.AI," "we," "us," or "our") provides this Privacy Policy to explain how we collect, use, and share information in connection with our website and our stored-value card account services, including our SMS text messaging program. By providing your information to us or opting in to our text messaging program, you agree to the terms of this Privacy Policy.
1. Information We Collect
When you create or use a BrightJoy.AI stored-value card account, we collect:
- Phone number (required): used to identify your account, verify your identity, and deliver account-related text messages.
- Date of birth (optional): collected only if you choose to provide it, used for account verification and eligibility purposes.
- Usage and transaction data: activity on your stored-value card account, including balance changes, session deductions, charges, and other account transactions.
2. How We Use Your Information
We use the information we collect to:
- Create, maintain, and secure your stored-value card account.
- Verify your identity, including sending one-time passcodes (OTP) for login and authentication.
- Notify you of account activity, such as session deductions, charges, and other account changes.
- Respond to your questions and provide customer support.
- Comply with legal and regulatory obligations.
3. SMS / Text Messaging Program
By providing your phone number and opting in, you consent to receive text messages from BrightJoy.AI related to your stored-value card account, including:
- One-time passcodes (OTP) for account verification and login.
- Account alerts, such as session deductions, charges, and other account changes.
Message frequency varies based on your account activity. Message and data rates may apply.
Reply STOP at any time to opt out of receiving text messages. Reply HELP for assistance. Carriers are not liable for delayed or undelivered messages.
We do not share your mobile phone number or SMS opt-in consent with any third party or affiliate for marketing or promotional purposes. Text messaging originator opt-in data and consent are not shared with third parties, except with service providers who deliver the text messages on our behalf (such as our messaging platform provider) and only as necessary to operate the program.
4. How We Share Information
Other than as described above for our SMS program, we share information only:
- With service providers who help us operate our services (such as hosting and messaging providers), under obligations to protect your information.
- When required by law, subpoena, or other legal process, or to protect the rights, property, or safety of BrightJoy.AI or others.
- In connection with a merger, acquisition, or sale of business assets, subject to this Privacy Policy.
We do not sell your personal information.
5. Data Retention
We retain your information for as long as your account is active and as necessary to provide our services, comply with our legal obligations, resolve disputes, and enforce our agreements.
6. Your Choices & Rights
- You may opt out of text messages at any time by replying STOP.
- You may request access to, correction of, or deletion of your personal information by contacting us below.
7. Data Security
We use reasonable administrative, technical, and physical safeguards to protect your information. No method of transmission or storage is completely secure, and we cannot guarantee absolute security.
8. Children's Privacy
Our services are not directed to children under 13, and we do not knowingly collect personal information from children under 13.
9. Changes to This Policy
We may update this Privacy Policy from time to time. Changes are effective when posted on this page, with the effective date updated accordingly.
10. Contact Us
If you have questions about this Privacy Policy or your information, contact us at hello.brightjoy.ai@gmail.com.