Toggle AI is now Reflexivity! Click here to go to our new website

Resources

Privacy Policy

In brief: We are Knabble, Inc. ("Reflexivity," "we", "us", or “our”). We respect your privacy and work hard to protect the confidentiality of information that you give us. We will share your Personal Data with third parties only in the event that it’s needed for the provision of services and data you have requested.

About Us

Reflexivity is the sole owner of the reflexivity.com, reflexivity.ai, toggle.global, and toggle.ai websites (collectively, the "Website") and all of the information collected on it. Reflexivity collects information from users in several ways through the Website.

This privacy policy applies to Personal Data (defined below) that we collect from you when you visit the Website or create an account ("you" or "your" being interpreted accordingly). As used in this privacy policy, "Personal Data" means any information that relates to you from which you can be identified.

This policy provides information on what Personal Data we collect, why we collect Personal Data, how it is used, the basis on which your Personal Data is processed, how it is stored, and how we share information. Reflexivity makes various products and services available through its Website (each a “Service”), and Services may require permission to use your Personal Data in addition to what is noted in this policy. You should read all notices, information and other materials provided to you when signing up for or using a Service.

By using our Website or submitting your Personal Data, you are agreeing to accept the terms of this privacy policy, so please read it carefully.

Updates

We may update this privacy policy at our discretion from time to time by posting a new version on our Website. You should check our Website occasionally to ensure any changes made are suitable for you. If required by applicable law, you will be informed of any significant changes made to the privacy policy. Please note that laws related to privacy vary by a person’s location, residence, citizenship, or similar. If you have a privacy-related inquiry or request, we may ask you to provide additional details relevant to your request such that our legal team can verify what the applicable law to you or your request may be.

The current version of this privacy policy was modified on January 26th, 2022.

Personal data that we collect

There is no need to create an account when viewing information on the Website, such as a Reflexivity or Toggle Insight℠ made publicly available.

Data we receive from you

Personal Data We collect Personal Data about you when you provide such information directly to us, when third parties such as our business partners or service providers provide us with Personal Data about you, or when Personal Data about you is automatically collected in connection with your use of our Services.

User Accounts If you decided to create an account, you will need to provide us with some Personal Data so we can provide you with access to our additional services that users benefit from. You may also elect to provide us with additional information about you, as described below.

During registration you will be required to provide us with:

  • your email address;
  • your first name, last name, role and company.

The following information will not be publicly displayed:

  • your first and last name, email, role, and company.

If you register to be a user of any of our Services for which you pay us a fee, such as Toggle CopilotSM , Toggle ProSM , or any other Reflexivity-offered direct subscription (a "Paid User"), our third party verified payment processor will also process information about your debit/credit card and bank account information that we require for the purpose of recording and processing your account registration. For further details, please refer to the point below titled "Payment information," under the section headed, "When we share your personal information."

Contact data We also process any Personal Data you choose to give when corresponding with us by phone, email, or otherwise visiting and interacting with this Website or any other websites we operate.

Cookies and other technologies We use browser cookies (small text files placed on your device) to administer our Website, gather and analyze statistical information, ensure security, to fight spam, and for advertising purposes. Cookies allow us to provide you with a better user experience when you browse our Website and helps to improve its features. More detailed information on the use of cookies can be found in our Cookies Policy.

Log files Like most websites, we use web server log files. Records in our log files include internet protocol (IP) addresses (see the "Device information" section below for further details), browser types, internet service providers, referring pages, exit pages, platform types, and date/time stamps. We use web server log files to administer the site, provide broad traffic information for site planning purposes, and to ensure that our terms of service agreement is being adhered to. Note that IP addresses are not tied to Personal Data in our web server log files.

Device information We collect the following information about the devices you use to visit the site: IP address of the device (from which we can also infer the country you are connecting from at the time of your visit to the Website), operating system, and browser version. We collect this information to prevent spam and abuse of our services. IP addresses may be considered Personal Data in certain jurisdictions, such as in the European Economic Area ("EEA"), and will be treated in accordance with this privacy policy.

When you are using our mobile application, we may collect your general device information, device identifier (for example, Google Advertising ID, if you are using an Android device, or Advertising Identifier (IDFA), if you are using an iOS device), network information and application interaction events for analytics purposes, and to develop, test, and improve our services further. Our mobile applications use third party services that may collect such information. For further details, please refer to the Analytics providers section below.

Data we receive from third parties Information from our service providers: We receive information collected by third parties about your use of the Services. For example, we may use analytics service providers to analyze how you interact and engage with the Services and our advertisements, so we can learn and make enhancements to offer you a better experience. Some of these entities may use Cookies, web beacons and other technologies to collect information about your use of the Services and other websites, which may include tracking activity across time and unaffiliated properties, including your IP address, web browser, pages viewed, time spent on pages, links clicked and conversion information. Third parties may also help us provide you with customer support, and provide us with information so that we may help you use our Services.

Account information for third party services: If you provide your third-party account credentials to us or otherwise sign in to the Services through a third party site or service, you understand some content and/or information in those accounts (“Third Party Account Information”) may be transmitted into your account with us if you authorize such transmissions, and that Third Party Account Information transmitted to our Services is covered by this Privacy Policy; for example, information from your public profile, if the third party service and your account settings allow such sharing. The information we receive will depend on the policies and your account settings with the third party service.

Information from our advertising partners: We receive information about you from some of our service providers who assist us with marketing or promotional services related to how you interact with our websites, applications, products, services, advertisements or communications.

How personal information is used

We use Personal Data in various ways that are necessary to provide the services you intend to use the Website for, certain legitimate interests, and as a necessity in order to comply with applicable law, as further described below.

We do not generally rely on your consent to allow us to process your Personal Data if there is another lawful ground available. If we do rely on your consent, we will make this clear to you at that time.

Profile A profile is a set of information for each individual user that details his/her viewing preferences. We do not use stored user settings for marketing purposes. User settings are kept solely for the purpose of customizing the user’s experience when using the Website or user accounts.

User account and profile operations We use your contact details, such as email address in the following ways:

  • to authenticate your user account, ensure its security along with the security of our services, and to prevent spam, fraud, and abuse;
  • to acknowledge, confirm, and deal with your user account;
  • to send all new users a welcome activation email to verify their email address;
  • (For Paid Users) to provide you with subscription services and contact you regarding your use of such services. This is necessary for us to implement your requests; and
  • Paid Users will also receive a notification email from Checkout.com if there are any issues regarding billing their cards for auto-renew subscriptions. Users cannot opt-out of these messages, though they can delete their account.

Marketing We may send you marketing emails about our products or services that are similar to the products or services you are subscribed to, including information about events and other promotions we feel may interest you. This is unless you have indicated to us that you do not wish to receive communications in this manner. We will send you other promotional information by email only with your consent, which was given at the time you provided us with your Personal Data. Users can opt-out of receiving marketing communications at any time by clicking "unsubscribe" in one of the emails (for more information on your rights, please see the “User Rights” section below).

Social Notifications We can notify you via email about investing ideas relevant to you. You can refuse to receive such notifications at any time by adjusting your profile settings.

Service-Related Announcements On rare occasions, it is necessary to send out service-related announcements. For instance, if our service is interrupted for a prolonged period or a major functionality upgrade is released, we might send all users an email message.

Customer Service When you open a support ticket on our Website, we use your contact details as well as information about your device, server logs, a description of the problem, along with any other supporting materials (videos, screenshots, etc.) to help resolve the issue(s).

Legitimate interests We will process your Personal Data as necessary for certain legitimate business interests, which include the following:

  • where we are asked to respond to any of your inquiries, comments, or grievances;
  • to administer our Website in order to better understand how visitors interact with the Website and ensure that it is presented in the most effective manner for you and your computer/device;
  • to develop and improve our mobile applications;
  • to share Personal Data among our affiliated businesses for administrative purposes, provide subscription services, and in relation to our sales and marketing activities, except where we require your consent, as described above;
  • to send you information about our products or services that are similar to the products or services you subscribed to (unless you have refused or opted out of receiving these emails at the time you provided us with your email address or you have indicated to us that you do not wish to receive communications in this manner). Our legitimate interest is to ensure our marketing is relevant to you, so we may process your data to send you information on our products or services that is specifically tailored to your interests;
  • we may anonymise, aggregate and de-identify the data that we collect and use this data for our own internal business purposes, including sharing it with our business partners, our affiliated businesses, agents and other third parties for commercial, statistical and market research purposes. For example, to allow those parties to analyze patterns among groups of people and conducting research on demographics, interests, and behavior;
  • for internal business/technical operations, including troubleshooting, data analysis, testing, research, statistical and survey purposes, and as part of our efforts to keep our Website, network, and information systems secure; and to (a) comply with legal obligations, (b) respond to requests from competent authorities; (c) enforce our Terms of Use or House Rules; (d) protect our operations or those of any of our affiliated businesses; (e) protect our rights, safety or property, and/or that of our affiliated businesses, you or others; and (f) enforce or defend legal rights, or prevent damage. This means we can store and disclose your information to law enforcement authorities, state, or government agencies if we establish that such disclosure is necessary to comply with the law. This includes responses to court orders or subpoenas, as well as other judicial or regulatory processes.

As used in this privacy policy, “legitimate interests” means the interests of Reflexivity and our affiliated businesses in conducting and managing our business. When we process your Personal Data for our legitimate interests, we make sure to consider and balance any potential impact on you and your rights under data protection laws. Our legitimate interests do not automatically override your interests. We do not use Personal Data for activities where our interests override the impact they may have on our users, unless we have their explicit consent or those activities are otherwise required or permitted by law. You may have the right to object to the processing of your Personal Data that is based on our legitimate interests at any time, on grounds relating to your particular situation, location, jurisdiction, or similar (for more information on your rights, please see the “User Rights” section below).

When would we share personal information

We may share your Personal Data with third parties in the following situations:

  • Service providers: Reflexivity, like many businesses, occasionally engages with selected third parties who act on our behalf to support our operations, such as (i) card processing or payment services (see the point below headed “Payment Information”), (ii) IT suppliers and contractors (i.e. data hosting providers or delivery partners) as necessary to provide IT support and enable us to provide subscription services and other goods/services available on this Website or to users, (iii) web and mobile analytics providers, (iv) providers of digital advertising services, and (v) providers of marketing and sales software solutions. Pursuant to our instructions, these parties may access, process or store your Personal Data in the course of performing their duties to us and solely in order to perform the services we have hired them to provide.
  • Payment information: Paid Users must provide payment information (name, credit card information or Checkout.com account information). This information is used for billing purposes only and is processed by Checkout.com, our payment processor. When you are making a payment, we do not have access to your personal and/or credit card information. Should we have any issues with processing an order, the email address you have provided will be used to contact you.
  • Third Party Content Providers: When you buy market data from a provider, we give them your contact details, phone number, address, and email and you sign the agreement. This data is also processed by the provider in order to provide you with access to the data.
  • Reflexivity affiliated businesses: In order to provide the services you request from us, our affiliated businesses may access and process the information which we collect from you for the purposes described above, including offering products and services to you. Our affiliated businesses will only use your data for the purposes for which we originally collected said data.
  • Analytics providers: We may use third-party service providers to monitor and analyze the use of our services and mobile applications. We use this information to analyze and improve the work of our services and mobile applications.
  • We may use Google Analytics as a web analytics service. For more information on Google Analytics privacy practices, you can check with Google here.
  • Business transfers: If we sell our business or our company assets are acquired by a third party Personal Data held by us about our general account users, subscription account users or customers may be one of the transferred assets.
  • Administrative and legal reasons: If we need to disclose your Personal Data (i) to comply with a legal obligation and/or judicial or regulatory proceedings, a court order or other legal process, (ii) to enforce our Terms of Use, House Rules or other applicable contract terms that you are subject to, or (iii) to protect us or our contractors against loss or damage. This may include, but is not limited to, exchanging information with the police, courts or law enforcement organisations.

Security of Personal Data

We use technical and organizational safeguards to protect your Personal Data and require third parties with whom we work to do the same.

We use Transport Layer Security (TLS) encryption technology in order to protect certain information that you submit to us. This technology protects you from having your information intercepted by anyone while it is being transmitted to Reflexivity Stripe.com, Checkout.com, or the relevant payment processor for your jurisdiction. While on a secure page, such as our order form, the "lock" icon in the browser window is displayed, confirming that a secure and encrypted connection has been established with the Website. We work hard to ensure that our Website is secure and that we meet industry standards. We also use other safeguards, such as firewalls, authentication systems (i.e. passwords, and personal identification numbers), and access control mechanisms to control unauthorized access to systems and data. If you have chosen to create an account, you are responsible for doing everything you reasonably can to keep your access details secret. You must not share these details with anyone else.

We also do our best to protect user information offline. All of our users' personal information is restricted to our offices. Only employees who need to see the information to perform their jobs are allowed to access it.

The servers that store Personal Data are located in a secure environment in a locked facility.

We are constantly improving the ways we secure, store, and process the data we collect, including the addition of physical security measures that help us counter unauthorized access to our systems. However, no method of electronic transmission or storage is 100% secure. Therefore, we cannot guarantee its absolute security.

Children and sensitive Personal Data

This Website is not intended for children who are under the age of 18. We do not knowingly contact or collect personal information from children below the age of 18 years, nor data related to race, ethnicity, religious beliefs, political opinions, trade union data, health, or sexual orientation. Please consult Art. 9 GDPR for more information that may be applicable to you. If you believe we have inadvertently collected such information, please contact us at privacy@reflexivity.com immediately so that we can either obtain special consent or delete the information.

Third Party Sites

Links to other sites At our discretion we may add links (web links) to other websites from our Website. These websites can be run by third parties with separate and independent privacy policies. We, therefore, have no responsibility nor are we liable for any content, activities or privacy policies of these linked sites. We suggest you read the privacy policy of each and every site that you visit.

Our hosted charting solutions Some business partners use our charting solutions on their own websites. Such sites may display messages such as "Powered by Reflexivity" or similar. We do not control the privacy policies of these sites, regardless of whether or not these messages are displayed. You should read the privacy policy for the specific website you are visiting.

##User rights Individuals subject to European data protection laws may have data subject rights in relation to the Personal Data we hold on them). This may, in and of itself, be subject to limitations and/or restrictions.

If you are located in the EEA, please contact us to exercise your rights. If you have questions about your rights in the EEA, you should visit https://gdpr-info.eu/ for details.

If you have concerns about our privacy practices, including the way we handle or have your Personal Data, or if you wish to exercise any privacy rights, please contact us at privacy@reflexivity.com. Note that we may also need to ask you for further information to verify your identity before we can respond to any request.

European Union residents: International data transfers

Knabble, Inc. is based in the United States and has affiliates in the UK. The information collected through the Website will be stored on servers located in the United States, European Union, and other destinations (including outside the EEA), and by our service providers and affiliated businesses for the purposes described above. This is necessary to enable you to navigate and use our Website. The data may be transmitted to our service providers and affiliates supporting our business operations (described above).

Note that the countries concerned may not provide the same legal standards for protection of your Personal Data that you have in the EEA. If we transfer your Personal Data to countries outside of the EEA, we will take the necessary steps to ensure your information receives an adequate level of security protection where it is processed and that your rights continue to be protected. Some of our service providers (i.e. Amazon Web Services, Inc.) are certified to the Privacy Shield, a framework operated by the U.S. Department of Commerce, that permits the transfer of Personal Data outside the EEA (or, as applicable, Switzerland) to certified companies in accordance with EEA data protection law (for more information, please visit Privacy Shield website).

If you would like to receive more information on the safeguards that we implement, please contact us.

Contact information

If you have any questions or suggestions regarding Personal Data processing, please contact us at privacy@reflexivity.com.

If you disagree with this privacy policy at any point or time, you should stop using our Website and delete your user account.

Knabble, Inc. 1460 Broadway, Suite 1025 New York, NY 10036

If you are an individual in the EEA, you can also contact one of our UK representatives, on dpo@reflexivity.com who has been appointed by Reflexivity as a representative in the EEA, pursuant to Article 27 of the European Union General Data Protection Regulation on matters related to the processing of Personal Data that take place in the EEA.