GoTo Financial All Legal Single Document (last revised Nov 1^st, 2023)

This single document encompasses all our GoTo Financial Inc and its subsidiaries or name domiciles for legal and other disclaimers.  Legal documents are detailed to avoid confusion and is a necessary function of the modern world.  These include items related to security and privacy.  Please use the links below to jump to any certain section.

On behalf of all the hard-working people at GoTo Financial we offer the 3 easiest ways of understanding our philosophy.

1. We don’t like sneaky people or companies with hidden agendas trying to make money off us without our permission. Since we don’t like to be treated that way, we don’t do that to all our members.
2. We want to build a long-term relationship by providing tools to help positively change lives. If we do anything perceived to be wrong or simply an oversight mistake, please notify us immediately and judge us by how fast we respond, and how seriously we take it?   Contained within our programs will be accessible ways of communicating from user to company. We welcome and reward engagement designed to help improve.
3. Our mission statement – “Helping Everyone Everywhere Who Earns An Income, Pays A Bill Or Dreams Of A Better Tomorrow” ™

Privacy Agreement

The Importance of Privacy and Security

GoTo Financial takes your security extremely seriously. With industry-leading technology and security, your data is safeguarded. We at GoTo Financial are aware that you are entrusting us with some of your most sensitive data and documents and we will never sell or disclose your information. Our business model is not you or your data. We make every effort to safeguard and secure your information because we know your information belongs to you alone, and you are the only one who can decide with whom to share it.

Securing your data starts at login

The moment you enter your username and password, we have already started our security processes. Every Client must have a unique username, password and utilize Two-Factor authentication (explained below) with every login. We implement tokenization (also explained below) to secure the API used to send you the One Time Passcode (OTP) that you enter after your username and password. The token is never stored in the database. It is impossible for data to be read or written without this process being completed.

But we don’t stop there…

We match the token issued to you with your username, password, device AND location. If all four of those do not match with the initial creation of that token, it automatically expires, logging everyone out and preventing any data from being read or written.

Wait, there’s more…

Our servers cannot be hacked. We have implemented a serverless platform which renders this as an impossibility. We partner with the best in the business, Amazon Web Services (AWS). Your data cannot be accessed without AWS credentials, so we use multi-factor authentication with Amazon Web Services, we safeguard our root user credentials, we implement permission boundaries to delegate permissions management within the account AND only whitelisted IP addresses are even able to access AWS. All of this is to safeguard your data.

There is only one thing left…

We are dedicated to security, but we do need help from you. We need you to use a strong password, never share it with anyone, and change it often. That’s it.

With these measures in place, you can be sure your data is well safeguarded.

Access to your information

Beyond a small set of information required to help personalize actions and reminders (for example, activating confirmation emails) and restricting access to your account in an emergency (for example, limiting or removing a Delegate’s access), our stringent internal policies prevent any GoTo Financial employee or administrator from gaining access to your account.

Two-factor authentication

With every log-in to GoTo Financial by you or a Delegate appointed by you, we will send a special One Time Passcode to the mobile number associated with the log-in that must be provided to gain access. The One Time Passcode ensures nobody will have access to your account, even if your username and password were compromised.

SMS Opt-in and Opt-out

By entering your phone number, you agree to receive automated text messages from GoTo Financial and agree to our Privacy Policy and Terms and Conditions. Consent is not a condition of any purchase. Message frequency varies. Message and data rates may apply. To unsubscribe, text STOP. You can also opt out by emailing info@goto-finanacial.com.

Aliasing/Tokenization

GoTo Financial uses tokenization (also known as aliasing) to protect member information which is a process that removes sensitive data from GoTo Financial servers and replaces it with a corresponding token. This is an additional step we use to keep sensitive information protected and separate from your account.

Privacy Policy for Online Software Service Subscriber

Effective Date: Sept 1, 2023

Introduction

Thank you for choosing to use GoTo Financial online software service (“Service”). This Privacy Policy outlines how we collect, use, disclose, and protect your personal information as a subscriber to our Service. We are committed to ensuring the privacy and security of your information.

Information We Collect

We may collect the following types of information when you subscribe to and use our Service:

Personal Information:

Contact Information: Name, email address, phone number, and billing address.

Account Credentials: Usernames, passwords, and security question answers.

Usage Information:

Log Data: Information about your interactions with our Service, including IP address, browser type, pages visited, and timestamps.

Device Information: Device type, operating system, and browser used to access the Service.

Payment Information:

Credit card information, billing details, and transaction history (Note: Payment information is securely processed by our third-party payment processor and not stored on our servers).

How We Use Your Information

We use the collected information for the following purposes:

Providing the Service: To deliver and manage your subscription, communicate with you about your account, and provide customer support.

Personalization: To tailor the Service to your preferences and optimize your user experience.

Analytics: To analyze usage patterns, improve the Service, and develop new features.

Communication: To send you important updates, notifications, and marketing materials (with your consent).

Legal Compliance: To comply with legal obligations, respond to legal requests, and protect our rights.

Data Sharing and Disclosure

We may share your information with the following parties, under strict confidentiality agreements:

Third-party Service Providers: Such as hosting providers, payment processors, and customer support services.

Our application integrates with Google services to provide a seamless digital experience. We access your Google Calendars to sync events, enable advanced scheduling features, and improve overall application functionality. Through Google Contacts, we streamline communication channels, facilitate efficient contact management, and create personalized user interactions. Our connection with Google Notes allows us to integrate your existing notes, support cross-platform synchronization, and enable collaborative workflows.

By connecting these services, you’ll enjoy a unified and intelligent digital environment that enhances your productivity and communication. We are committed to maintaining the highest standards of data privacy and security throughout this integration.

Business Partners: For joint marketing efforts, but only with your explicit consent.

Legal Authorities: In response to valid legal requests, such as court orders or subpoenas.

Protection of Rights: To protect our rights, safety, or property, as well as those of our users and partners.

Data Security

We implement industry-standard security measures to protect your personal information from unauthorized access, disclosure, alteration, or destruction. However, no method of data transmission over the internet is completely secure, and we cannot guarantee absolute security.

Your Choices

Account Information: You can update or modify your account information by logging into your account settings.

Marketing Communications: You can opt out of receiving marketing emails by following the unsubscribe instructions in the email or contacting us directly.

Data Retention

We retain your personal information for as long as necessary to fulfill the purposes outlined in this Privacy Policy and or subscription agreement, unless a longer retention period is required by law.

Imagery of a person(s) audio may be posted by users and accessible to the public. GoTo Financial takes no responsibility for this content and how it is used beyond the control of our websites and mobile apps.

Children’s Privacy

Our Service is not intended for individuals under the age of 16. We do not knowingly collect personal information from children under 16. If we become aware that we have collected personal information from a child under 16, we will take steps to delete the information promptly.

Changes to Privacy Policy

We may update this Privacy Policy from time to time. Any changes will be posted on this page, and the revised date will be updated at the top of the page.

Contact Us

If you have any questions, concerns, or requests regarding your personal information or this Privacy Policy, please contact our Data Protection Officer at ian@goto-financial.com.

By subscribing to our Service, you acknowledge that you have read and understood this Privacy Policy and agree to the collection and use of your personal information as described herein.

Advertising & Promotions

GoTo Financial Inc or its subsidiaries may utilize marketing techniques using websites for comparison where one of the products are owned by our company.  We will disclose bias when presented but our preference is unbiased paying 3^rd party providers for comparison and judging.

Testimonials – GoTo Financial will sometimes use a fictitious character tame and or image to represent a single person or an amalgam of feedback received.  Based on truth and quantifiable with no false claims.  Aliasing is used to protect the privacy of some people and is an effective way of communicating a thought.

Legal Use ASCAP Music

ASCAP- Our website for legacyWall.com or MyLegacyWall.com are websites for honoring someone that has passed and allows the playing of music.  If this music is published and covered under ASCAP then it is legally OK to post to our websites and mobile apps because GoTo Financial pays ASCAP artist royalties based on web-based agreement.  We encourage other websites to seek this license, here is the link https://www.ascap.com/weblicense/

Images and Audio Posted- Some of GoTo Financial’s various websites may include pictures, video or audio content created by our users.  It is against our policy for anyone to re-post or -re-use any content (audio, imagery, or text) found on our website without our express written consent and the consent of the users who posted the material.

3^rd Party Referrals

General disclaimers for all 3^rd party referrals- GoTo Financial may receive compensation for referrals but that introduction does not reflect or show the intention of GoTo Financial to be a direct provider of such 3^rd party professional service.  GoTo Financial does not accept any financial responsibility for negative outcomes between our users and any 3^rd party providers.  GoTo Financial does not accept any financial liability for the actions or inactions of our users to address their emotional state and how it may affect themselves or others.

Referral for Emotion Based Support – GoTo Financial is aware that the subject matter of some of our software solutions can create emotional stress on the users of our software.  As a company we do not offer internal staff or internal solutions to address the emotional needs of some of our software users.  We may offer 3^rd party solution providers via links or referrals to those companies that do offer qualified services to address the emotional needs of our users.  GoTo Financial strongly urges any participant feeling overwhelmed emotionally or in need of counseling to seek out those professionals to better cater to their situation.

Referral for Audio/Video message providers – GoTo Financial does not accept any responsibility for content and distribution created by our users or 3^rd party providers. For example, 3^rd party provider cameo.com.  GoTo Financial does not accept any responsibility or liability for custom messages sent via audio\video or text and how the content of those messages may or may not affect one or more people.

Referral for Insurance Products – GoTo Financial does not accept any financial responsibility for decisions made between our subscribers and 3^rd party professionals offering solutions based on an insurance product of some type.  For an introduction we may be compensated but this compensation does not reflect or show the intention for GoTo Financial to be a direct provider of such 3^rd party professional services and we urge all our users to seek advice from other professionals prior to making decisions that can affect their savings, taxation or other matters of personal or business finance.

Referral for Online Estate or Personal Planning- GoTo Financial does not directly offer any legal services including those associated with matters such as Wills, Trusts, or Advanced Health Care Directives. For an introduction to online or direct providers, GoTo Financial may be compensated but this compensation does not reflect or show the intention of GoTo Financial to be a direct provider of such 3^rd party professional services.  GoTo Financial does not accept any financial responsibility for negative outcomes between our users and any 3^rd party providers.  We urge all our users to seek advice from other professionals prior to making decisions that can affect their savings, taxation or other matters of personal or business finance.

Referrals for end of Life Choices – GoTo Financial does not directly offer any services associated with the fulfillment of last wishes or internment.  There is a section within our software that allows our Plan Creators to denote their personal wishes or other items they have already selected related to their burial or ceremonial desires. For an introduction to a funeral specialist, GoTo Financial may be compensated but this compensation does not reflect or show the intention for GoTo Financial to be a direct provider of such 3^rd party professional services.

User-Supplied Content Guidelines

1. Responsibility for Content

• Users are solely responsible for the content they create and post on this platform.
• By submitting content, users agree to these guidelines and grant us a non-exclusive, worldwide, royalty-free license to use, reproduce, modify, adapt, publish, translate, create derivative works from, distribute, and display such content for the purposes of operating and promoting this platform.

2. Prohibited Content

• Users may not post content that is:
  • Illegal, harmful, threatening, abusive, harassing, defamatory, libelous, invasive of privacy, or otherwise objectionable.
  • False, misleading, or deceptive.
  • Infringing on any intellectual property rights, including copyright, trademark, or patent.
  • Offensive to any person or group based on race, religion, ethnicity, gender, sexual orientation, disability, or any other protected characteristic.

3. Content Removal

• We reserve the right to remove any content that violates these guidelines or is otherwise deemed inappropriate in our sole discretion.
• We may also remove content upon the request of a third party who claims that the content infringes on their rights.
• If your content is removed, you will be notified via email and given the opportunity to appeal the decision.

4. Limitation of Liability

• We are not responsible for any content posted by users.
• We do not endorse any content posted by users and expressly disclaim any liability for any claims, damages, or losses arising from such content.
• We are not responsible for any un-approved use of content by any person or third party that has no authority over the contents and its ownership.