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California Privacy Policy

Last Modified: March 5, 2024
Effective: March 20, 2024

Summary: In addition to the rights detailed in the Your Rights and Choices section of the Privacy Policy, residents of California may have additional rights regarding personal information and can learn more about our privacy practices in this section.

This California Privacy Policy applies only to California residents, and it deals only with information that is subject to the California Consumer Privacy Act (“CCPA”). Data about individuals who live outside California may be handled differently.

During the 12 months leading up to the effective date of this California Privacy Policy, we collected all of the types of personal information listed below (as further described in the “Collection and Use of Personal Information” section of the Privacy Policy). During that period, we made the following disclosures of that information for the purposes described in the “Disclosure of Personal Information” section of the Privacy Policy:

Category Recipients of Personal Information Purposes for Processing Personal Information
Identifiers, Profile Data, and Login Information
Examples: first and last name; email address.
Service providers

Advertising vendors who assist us with our marketing

Other authorized users if you are a YNAB Together user.

Entities for legal purposes
  • To provide the Services
  • To provide account access
  • To respond to customer support requests
  • To provide marketing materials to you from YNAB
  • To fulfill our Terms of Service
  • To communicate with you
  • To analyze use of and improve the Services
  • To comply with law or defend our legal rights
  • Security/fraud prevention
  • To fulfill purposes you consent to
Payment and Order Data stemming from payments you make for the Services
Examples: financial account information; payment card type; last 4 digits of payment card; billing address including postal code; phone number and email address.
Service providers

Payment processors

Fraud prevention service providers

Entities for legal purposes.
  • To provide the Services
  • To collect payment from YNAB users and process orders
  • To comply with law or defend our legal rights
  • Security/fraud prevention
  • To fulfill our Terms of Service
Commercial Data that you provide to us to facilitate the Services
Examples: bank account information; recent transaction data.
Service providers

Bank data aggregators

Payment processors

Fraud prevention service providers

Entities for legal purposes.
  • To provide the Services
  • To provide you with services that you have requested
  • To comply with law or defend our legal rights
  • Security/fraud prevention
  • To fulfill our Terms of Service
Professional or employment-related information Examples: work email address; date of joining Wellness Plan. YNAB partners

Service providers

Entities for legal purposes
  • To provide the Services
  • To provide account access
  • To provide you with services that you have requested
  • To fulfill purposes you consent to
Internet or other electronic network activity information
Examples: IP address; device ID; type of device/operating system/browser used to access YNAB.
Service providers

Analytics service providers

Entities for legal purposes.
  • To provide the Services
  • To provide you with services that you have requested
  • To understand adoption of our products.
  • To fulfill our Terms of Service
Internet network and device information
Examples: mobile device information; IP address; general location; information about your interaction with the Services; referring webpage/source through which you accessed YNAB’s Services; statistics associated with the interaction between device or browser and YNAB’s services.
Service providers

Analytics vendors who assist us with our marketing

Advertising partners

Entities for legal purposes.
  • To provide the Services
  • To provide you with services that you have requested
  • To understand adoption of our products
  • To market and advertise our Services
  • To personalize your experience and customize the Services
  • To comply with law or defend our legal rights
  • Security/fraud prevention
  • To fulfill our Terms of Service
Surveys, sweepstakes, and event information
Examples: responses to surveys; entries into sweepstakes; information provided at events, like conferences.
Service providers

Entities for legal purposes
  • To provide the Services
  • To communicate with you
  • To market and advertise our Services
  • To analyze use of and improve the Services
  • To comply with law or defend our legal rights
  • Security/fraud prevention
  • To fulfill purposes you consent to
Customer service interaction information
Examples: interactions with customer support.
Service providers

Entities for legal purposes
  • To provide the Services
  • To communicate with you
  • To analyze use of and improve the Services
  • To comply with law or defend our legal rights
  • Security/fraud prevention
  • To fulfill purposes you consent to
Other Identifying Information that You Voluntarily Choose to Provide Service providers

Customer support service Providers

Entities for legal purposes
  • To respond to customer support requests
  • To fulfill purposes you consent to
Geolocation Information
Examples: precise geolocation; IP address.
Service Providers

Analytics Partners

Entities for legal purposes
  • To provide a secure service
  • To protect YNAB and our customers against harmful acts
  • To understand usage of our Services

Sale and Sharing of Personal Information.

As described in our Cookie Policy, we have incorporated cookies and similar technology from certain third parties into our Services to provide you with more relevant and tailored ads regarding our services and to analyze the performance of our ads and the types of consumers who see and interact with them. We may also share certain identifiers, like a hashed email address, with third-party platforms so that those platforms can display YNAB ads to interested audiences. These technologies allow us and our partners to serve tailored YNAB ads on other platforms, and to limit how often we show ads to consumers who have already subscribed to YNAB.  

Although these advertising activities are a common way for companies like YNAB to promote their products and services, California law categorizes these activities as “selling” personal information or “sharing” personal information for cross-context behavioral advertising – even though we never provide information in exchange for money. 

We want to be clear that we do not under any circumstances “sell” the information you provide through the Product or “share” it for cross-context behavioral advertising purposes, including Financial Data.

Nevertheless, our online advertising activities targeting prospective YNAB users may be considered to be a “sale” and/or “sharing/processing” for targeted advertising purposes under the broad definitions of those terms in state privacy laws. These laws require us to make certain disclosures about these activities, which we provide below.

Over the last 12 months we have “shared” or “sold” Internet or other electronic activity information (e.g., web analytics data and device/IP data) with advertising networks and marketing providers, solely for the purposes of marketing and selling of the Services and showing you advertisements, including interest-based or online behavioral advertising (retargeting).

If you would like to opt out of our online disclosure such as through cookie and pixel technology of your personal information for purposes that could be considered “sales” for those third parties' own commercial purposes, or “sharing” for purposes of targeted advertising, please follow this link or select “Your Privacy Choices” in the Services, and follow the instructions. You must make this choice on each site/app on each browser/device you use to access the Services. You must also renew this choice if you clear your cookies or your browser is set to do that. 

You can also submit a request to opt out of the use of your email address and other personal information related to that email address for targeted advertising purposes and to the disclosure of such information to our marketing and business partners by visiting this link. Depending on your jurisdiction, you may be permitted to designate an authorized agent to submit such requests on your behalf. 

If you have a legally-recognized browser-based opt out preference signal turned on via your device browser, we recognize such preference in accordance with applicable law. 

Processing of Sensitive Personal Information

In certain circumstances, the CCPA allows consumers to request that businesses limit their use of certain sensitive personal information.  However, we do not engage in uses of sensitive information for which there is a right to limit under the CCPA.    

Other CCPA Rights and Information

Please see the “Your Rights and Choices” section of the Privacy Policy for information about the additional rights you have with respect to your personal information under California law and how to exercise them.

Please see the “Data Retention” section of the Privacy Policy.

“Shine the Light” Disclosure. 

The California “Shine the Light” law gives residents of California the right under certain circumstances to opt out of the sharing of certain categories of personal information (as defined in the Shine the Light law) with third parties for their direct marketing purposes. We do not share your personal information with third parties for their own direct marketing purposes within the meaning of that law.