Cozy Balloon is a platform accessible to users through the Cozy Balloon website or the Cozy Balloon mobile apps on iOS and Android. While the policies below refer specifically to access via the website (hereinafter referred to as "the Site"), they should be understood as applying to access via both the website and the mobile apps. Privacy and security are of the utmost importance to us. If you have any concerns, please feel free to contact us. We will do our best to respond promptly and work toward accommodating your needs or improving our platform.
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Our Privacy Policy was last updated on 2023.
This Privacy Policy describes Our policies and procedures on the collection, use and disclosure of Your information when You use the Service and tells You about Your privacy rights and how the law protects You.
We use very few of Your Personal data to provide and improve the Service. By using the Service, You agree to the collection and use of information in accordance with this Privacy Policy.
Interpretation and Definitions
Interpretation
The words of which the initial letter is capitalized have meanings defined under the following conditions. The following definitions shall have the same meaning regardless of whether they appear in singular or in plural.
Definitions
For the purposes of this Privacy Policy:
"Account" means a unique account created for You to access our Service or parts of our Service.
"Company" (referred to as either "the Company", "We", "Us" or "Our" in this Agreement) refers to Cozy Balloon
"Country" refers to Canada.
"Cookies" are small files that are placed on Your computer, mobile device or any other device by a website, containing the details of Your browsing history on that website among its many uses.
"Data Controller", for the purposes of the GDPR (General Data Protection Regulation), refers to the Company as the legal person which alone or jointly with others determines the purposes and means of the processing of Personal Data.
"Device" means any device that can access the Service such as a computer, a cellphone or a digital tablet.
"Do Not Track" (DNT) is a concept that has been promoted by US regulatory authorities, in particular the U.S. Federal Trade Commission (FTC), for the Internet industry to develop and implement a mechanism for allowing internet users to control the tracking of their online activities across websites.
"Personal Data" is any information that relates to an identified or identifiable individual.
"Service" refers to the Website.
"Service Provider" means any natural or legal person who processes the data on behalf of the Company. It refers to third-party companies or individuals employed by the Company to facilitate the Service, to provide the Service on behalf of the Company, to perform services related to the Service or to assist the Company in analyzing how the Service is used.
"Usage Data" refers to data collected automatically, either generated by the use of the Service or from the Service infrastructure itself (for example, the duration of a page visit).
"Website" refers to Cozy Balloon, accessible from cozyballoon.com
"You" means the individual accessing or using the Service, or the company, or other legal entity on behalf of which such individual is accessing or using the Service, as applicable.
Collecting and Using Your Personal Data
Types of Data Collected
Personal Data
While using Our Service, We may ask You to provide Us with certain personally identifiable information that can be used to contact or identify You. Personally identifiable information may include, but is not limited to:
Email address
First name and last name
Usage Data
Usage Data
Usage Data is collected automatically when using the Service.
Usage Data may include information such as Your Device's Internet Protocol address (e.g. IP address), browser type, browser version, the pages of our Service that You visit, the time and date of Your visit, the time spent on those pages, unique device identifiers and other diagnostic data.
When You access the Service by or through a mobile device, We may collect certain information automatically, including, but not limited to, the type of mobile device You use, Your mobile device unique ID, the IP address of Your mobile device, Your mobile operating system, the type of mobile Internet browser You use, unique device identifiers and other diagnostic data.
We may also collect information that Your browser sends whenever You visit our Service or when You access the Service by or through a mobile device.
Tracking Technologies and Cookies
We use Cookies and similar tracking technologies to track the activity on Our Service and store certain information. Tracking technologies used are beacons, tags, and scripts to collect and track information and to improve and analyze Our Service. The technologies We use may include:
A cookie is a small file placed on Your Device. You can instruct Your browser to refuse all Cookies or to indicate when a Cookie is being sent. However, if You do not accept Cookies, You may not be able to use some parts of our Service. Unless you have adjusted Your browser setting so that it will refuse Cookies, our Service may use Cookies.
Certain sections of our Service and our emails may contain small electronic files known as web beacons (also referred to as clear gifs, pixel tags, and single-pixel gifs) that permit the Company, for example, to count users who have visited those pages or opened an email and for other related website statistics (for example, recording the popularity of a certain section and verifying system and server integrity).
Cookies can be "Persistent" or "Session" Cookies. Persistent Cookies remain on Your personal computer or mobile device when You go offline, while Session Cookies are deleted as soon as You close Your web browser.
We use both Session and Persistent Cookies for the purposes set out below:
Necessary / Essential Cookies
Type: Session Cookies
Administered by: Us
Purpose: These Cookies are essential to provide You with services available through the Website and to enable You to use some of its features. They help to authenticate users and prevent fraudulent use of user accounts. Without these Cookies, the services that You have asked for cannot be provided, and We only use these Cookies to provide You with those services.
Cookies Policy / Notice Acceptance Cookies
Type: Persistent Cookies
Administered by: Us
Purpose: These Cookies identify if users have accepted the use of cookies on the Website.
Functionality Cookies
Type: Persistent Cookies
Administered by: Us
Purpose: These Cookies allow us to remember choices You make when You use the Website, such as remembering your login details or language preference. The purpose of these Cookies is to provide You with a more personal experience and to avoid You having to re-enter your preferences every time You use the Website.
Tracking and Performance Cookies
Type: Persistent Cookies
Administered by: Third-Parties
Purpose: These Cookies are used to track information about traffic to the Website and how users use the Website. The information gathered via these Cookies may directly or indirectly identify you as an individual visitor. This is because the information collected is typically linked to a pseudonymous identifier associated with the device you use to access the Website. We may also use these Cookies to test new pages, features or new functionality of the Website to see how our users react to them.
For more information about the cookies we use and your choices regarding cookies, please visit our Cookies Policy or the Cookies section of our Privacy Policy.
Use of Your Personal Data
The Company may use Personal Data for the following purposes:
To provide and maintain our Service, including to monitor the usage of our Service.
To manage Your Account: to manage Your registration as a user of the Service. The Personal Data You provide can give You access to different functionalities of the Service that are available to You as a registered user.
For the performance of a contract: the development, compliance and undertaking of the purchase contract for the products, items or services You have purchased or of any other contract with Us through the Service.
To contact You: To contact You by email, telephone calls, SMS, or other equivalent forms of electronic communication, such as a mobile application's push notifications regarding updates or informative communications related to the functionalities, products or contracted services, including the security updates, when necessary or reasonable for their implementation.
To provide You with news, special offers and general information about other goods, services and events which we offer that are similar to those that you have already purchased or enquired about unless You have opted not to receive such information.
To manage Your requests: To attend and manage Your requests to Us.
For business transfers: We may use Your information to evaluate or conduct a merger, divestiture, restructuring, reorganization, dissolution, or other sale or transfer of some or all of Our assets, whether as a going concern or as part of bankruptcy, liquidation, or similar proceeding, in which Personal Data held by Us about our Service users is among the assets transferred.
For other purposes: We may use Your information for other purposes, such as data analysis, identifying usage trends, determining the effectiveness of our promotional campaigns and to evaluate and improve our Service, products, services, marketing and your experience.
We may share Your personal information in the following situations:
With Service Providers: We may share Your personal information with Service Providers to monitor and analyze the use of our Service, for payment processing, to contact You.
For business transfers: We may share or transfer Your personal information in connection with, or during negotiations of, any merger, sale of Company assets, financing, or acquisition of all or a portion of Our business to another company.
With Affiliates: We may share Your information with Our affiliates, in which case we will require those affiliates to honor this Privacy Policy. Affiliates include Our parent company and any other subsidiaries, joint venture partners or other companies that We control or that are under common control with Us.
With business partners: We may share Your information with Our business partners to offer You certain products, services or promotions.
With other users: when You share personal information or otherwise interact in the public areas with other users, such information may be viewed by all users and may be publicly distributed outside.
With Your consent: We may disclose Your personal information for any other purpose with Your consent.
Retention of Your Personal Data
The Company will retain Your Personal Data only for as long as is necessary for the purposes set out in this Privacy Policy. We will retain and use Your Personal Data to the extent necessary to comply with our legal obligations (for example, if we are required to retain your data to comply with applicable laws), resolve disputes, and enforce our legal agreements and policies.
The Company will also retain Usage Data for internal analysis purposes. Usage Data is generally retained for a shorter period of time, except when this data is used to strengthen the security or to improve the functionality of Our Service, or We are legally obligated to retain this data for longer time periods.
Transfer of Your Personal Data
Your information, including Personal Data, is processed at the Company's operating offices and in any other places where the parties involved in the processing are located. It means that this information may be transferred to — and maintained on — computers located outside of Your state, province, country or other governmental jurisdiction where the data protection laws may differ than those from Your jurisdiction.
Your consent to this Privacy Policy followed by Your submission of such information represents Your agreement to that transfer.
The Company will take all steps reasonably necessary to ensure that Your data is treated securely and in accordance with this Privacy Policy and no transfer of Your Personal Data will take place to an organization or a country unless there are adequate controls in place including the security of Your data and other personal information.
Disclosure of Your Personal Data
Business Transactions
If the Company is involved in a merger, acquisition or asset sale, Your Personal Data may be transferred. We will provide notice before Your Personal Data is transferred and becomes subject to a different Privacy Policy.
Law enforcement
Under certain circumstances, the Company may be required to disclose Your Personal Data if required to do so by law or in response to valid requests by public authorities (e.g. a court or a government agency).
Other legal requirements
The Company may disclose Your Personal Data in the good faith belief that such action is necessary to:
Comply with a legal obligation
Protect and defend the rights or property of the Company
Prevent or investigate possible wrongdoing in connection with the Service
Protect the personal safety of Users of the Service or the public
Protect against legal liability
Security of Your Personal Data
The security of Your Personal Data is important to Us, but remember that no method of transmission over the Internet, or method of electronic storage is 100% secure. While We strive to use commercially acceptable means to protect Your Personal Data, We cannot guarantee its absolute security.
Detailed Information on the Processing of Your Personal Data
The Service Providers We use may have access to Your Personal Data. These third-party vendors collect, store, use, process and transfer information about Your activity on Our Service in accordance with their Privacy Policies.
Analytics
We may use third-party Service providers to monitor and analyze the use of our Service.
Children's Privacy
Our Service does not address anyone under the age of 13. We do not knowingly collect personally identifiable information from anyone under the age of 13. If You are a parent or guardian and You are aware that Your child has provided Us with Personal Data, please contact Us. If We become aware that We have collected Personal Data from anyone under the age of 13 without verification of parental consent, We take steps to remove that information from Our servers.
If We need to rely on consent as a legal basis for processing Your information and Your country requires consent from a parent, We may require Your parent's consent before We collect and use that information.
Links to Other Websites
Our Service may contain links to other websites that are not operated by Us. If You click on a third party link, You will be directed to that third party's site. We strongly advise You to review the Privacy Policy of every site You visit.
We have no control over and assume no responsibility for the content, privacy policies or practices of any third party sites or services.
Changes to this Privacy Policy
We may update Our Privacy Policy from time to time. We will notify You of any changes by posting the new Privacy Policy on this page.
We will let You know via email and/or a prominent notice on Our Service, prior to the change becoming effective and update the "Last updated" date at the top of this Privacy Policy.
You are advised to review this Privacy Policy periodically for any changes. Changes to this Privacy Policy are effective when they are posted on this page.
Contact Us
If you have any questions about this Privacy Policy, You can contact us:
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The following are the terms and conditions (the "Terms") for the use of the Cozy Balloon web site (the "Site"), Cozy Balloon Services, and related material.
General
With each visit to the Site you signify your agreement to these Terms.
These Terms were last modified on December 01, 2023.
Cosy Business owns the CozyBalloon® trade name, brand and trademark and websites.
Cozy Balloon Material is defined as any intellectual property, legal materials, documents, web pages, plateform, software, products, web links, email, information, or any other materials provided by or previously provided by Cozy Balloon or the Site, including any portion thereof. Cozy Balloon Services is defined as any Cozy Balloon service.
If you do not wish to be bound by these Terms, you are not granted authority to use or access the Site or Cozy Balloon Material.
Use of Cozy Balloon Material and Cozy Balloon Services
A. Generally
You agree not to use any Cozy Balloon Material and Cozy Balloon Services for any purpose which is against any law in your jurisdiction or for any purpose which would not give full effect to the Terms even if that purpose is otherwise allowed under the Terms.
Any paid or Free Trial Licence granted is subject to the Terms and entitles you to:
Use the plateform as specified by the Terms only.
Use the plateform for what it has been built for.
You may end a Licence by stopping the payment on the Stripe website where you registered in the first place. After 6 months inactivity and no payment, your account will be automatically closed. Cozy Balloon retains the right to cancel any sale or Site access at any time, in which case you will only be charged for the time the sale or Site access was in effect.
Subject to these Terms, if you are evaluating the Site strictly as a potential customer, you are granted a licence to evaluate the Site for that purpose only.
Legal Advice, Information and Decision Making Responsibility
Cozy Balloon is not a financial institution and does not provide FInancial Advice. Your use of Cozy Balloon Material or any Cozy Balloon Services does not create a solicitor-client relationship between you and Cozy Balloon.
You agree that all decisions you make concerning your assets and their expenses and revenues are your full responsibility.
You agree that Cozy Balloon does not provide Financial Advice. If you receive any communication from Cozy Balloon, its agents, its employees or any other associated entity, which is Financial Advice, you agree that it is NOT a communication authorized by Cozy Balloon and you agree to immediately delete and disregard it.
Except as expressly provided in these Terms, you agree to accept full responsibility for determining the value of and for any use you make of Cozy Balloon Material, and for obtaining any needed assistance from a properly licensed financial professionnal to assess the value of and appropriate uses for any Cozy Balloon Material or Information.
Programs
Cozy Balloon retains the right to make changes to any of its programs as it sees fit.
Restrictions
To the maximum extent allowable under applicable law, except as explicitly identified in these terms, you agree not to publish, re-publish, lend, licence, give away, look at the software source code, modify the software source code, post to an Internet website, or use in an automated system any Cozy Balloon Material nor will you utilize Cozy Balloon Material in any way for the creation of an automated system or website, nor will you allow or assist a third party to do so.
You agree to only use Cozy Balloon Material and the Site as a customer.
Licences granted are subject to these Terms, and are non-exclusive, non-transferable, and revocable.
The rights granted under these Terms are granted to you only.
Cozy Balloon retains the right to prohibit organizations, groups, or individuals, or yourself from using its websites or Cozy Balloon Material or Cozy Balloon Services at its discretion.
Assignment
This agreement cannot be assigned.
Intellectual Property
All copyright, trade marks (including its distinguishing guise and/or trade dress), and other intellectual property rights (registered and unregistered) of Cozy Balloon Material belong to Cozy Balloon and its suppliers. Cozy Balloon reserves all of its rights in the Cozy Balloon Material. Nothing in the Terms grants you a right or licence to use any intellectual property rights owned or controlled by Cozy Balloon or any other third party except as expressly provided in these Terms.
In addition, Cozy Balloon Material, contains information and intellectual property that is selected and organized by Cozy Balloon and represents significant work made by Cozy Balloon. Nothing in the Terms should be construed as granting any licence or right to use any Cozy Balloon Material or intellectual property displayed or used in any Cozy Balloon Material except as expressly provided in the Terms.
You agree to the following:
the Cozy Balloon Material is the property of Cozy Balloon and its suppliers;
you will not use the Cozy Balloon Material for any purpose other than is expressly permitted in these Terms;
you will not distribute in any medium any Cozy Balloon Material without Cozy Balloon prior written authorization or as expressly provided these Terms.
any distribution or past distribution of any Cozy Balloon Material that violates these Terms is subject to liquidated damages in an amount equal to that which would be payable by a copyright infringer for knowingly copying a work, and based on each page of any website which uses Cozy Balloon Material being a separate work under the Copyright Act and each access of a page of a website by a customer being a separate publication of a work.
Cozy Balloon shall have the right to represent its suppliers in any dispute.
LIMITED WARRANTIES
Except as expressly provided in these Terms, to the maximum extent permitted under applicable law, Cozy Balloon Material and Cozy Balloon Services are provided "as is" without any kind of warranty.
You accept full responsibility for determining whether Cozy Balloon Material and Cozy Balloon Services are suitable for any particular purpose and for protecting yourself against any possible consequential damages.
Cozy Balloon does not authenticate users' signatures or identities. Cozy Balloon electronic signature functionality does not track IP addresses, include digital certificates, use a certification authority nor any other third party verification. You accept full responsibility for determining whether an electronic signature is suitable for any particular purpose.
Except as expressly provided in these Terms or where prohibited by law, we are not responsible for any loss, injury, claim, liability, damage, or consequential damage related to your use of Cozy Balloon Material and Cozy Balloon Services, or for inaccessibility of Cozy Balloon Material and Cozy Balloon Services whether from errors or omissions in the content of Cozy Balloon Material and Cozy Balloon Services or any other linked sites or for any other reason. Use of Cozy Balloon Material and Cozy Balloon Services is at your own risk.
Cozy Balloon does not represent or warrant that Cozy Balloon Material, the Site or any linked sites are free of any harmful materials.
Maximum Liability
Except as expressly provided in these Terms or where prohibited by law, the maximum liability of Cozy Balloon is the amount paid to Cozy Balloon by the customer; however, where Cozy Balloon has provided a service, the maximum liability of Cozy Balloon for any Cozy Balloon Services is the portion of the amount paid to Cozy Balloon by the customer specifically for the Cozy Balloon Services as calculated by Cozy Balloon.
Guarantees and Refunds
All guarantees are subject to any limitations specified in any Cozy Balloon Material. Guarantees are only available to customers who paid on the product before the guarantee is claimed and are not available on free promotions. For a guarantee to apply to a product, it must be explicitly promoted in Cozy Balloon Material for that product at the time of payment. A customer is only entitled to one Guarantee claim relating to one Guarantee category of one product. Should a customer accept a Guarantee related payment from Cozy Balloon, they waive their right to any additional claims against Cozy balloon regarding any Guarantee unless otherwise agreed to in writing. Cozy Balloon has no obligation to refund one time purchases.
The following additional restrictions apply to the Guarantees payments for mistakes:
The mistake must be in the wording of the legal document and not in other text;
The customer was the first person to mention that mistake for that Guarantee category;
Guarantees only apply to Cozy Balloon mistakes, not to customer mistakes; and
We are only required to pay a customer once for a mistake no matter how many mistakes they may bring to our attention.
A. Free Trial Refund Policy
The terms and conditions of the offer will govern any free trials. Cozy Balloon has no obligation to refund for free trials properly converted to paid product access.
B. Annual Subscriptions and Renewals
Cozy Balloon has no obligation to refund renewals unless you notify us before your renewal date that you want to cancel. Annual subscriptions are subject to a refund within 30 days of initial purchase.
C. Legal Guarantee
D. Other Guarantees and Refunds
Client Privacy
You consent to Cozy Balloon using your personal information according to its Privacy Policy that can be found on this page.
Terms and Headings
All of the Terms are valid regardless of the heading. To the maximum extent possible under law, the Terms take precedence over any conflicting Cozy Balloon Material should it be judicially found that the conflicting Cozy Balloon Material is legally relevant to this Agreement under law.
Indemnification
Except where prohibited by law, you agree to indemnify and hold Cozy Balloon, its directors, officers and employees, harmless from any actions, claims, losses, damages, liabilities and expenses including legal fees, asserted by any third party due to or arising out of your use of the Site or Cozy Balloon Material or Cozy Balloon Services.
Governing Law
Except where prohibited by law, the Terms are governed by the laws of the Province of Quebec, Canada. Except where prohibited by law, you irrevocably attorn to the exclusive jurisdiction of the courts of Montreal Quebec, Canada.
Binding Arbitration
Subject to exceptions specified herein, if you and Cozy Balloon are unable to resolve any dispute by informal negotiations, then any resolution of this dispute will be conducted exclusively by binding arbitration.
A request for appointment of an arbitrator must be made in writing. Upon receipt of the written request, Cozy Balloon will have 90 days to choose and appoint an independent and impartial arbitrator. The arbitration will be held in the City of Montreal, Quebec, Canada.
The cost of the binding arbitration proceedings and any proceeding in court to confirm or to vacate any arbitration award, including, without limitation, reasonable attorneys' fees and costs, will be borne by the unsuccessful party and will be determined and awarded by the arbitrator.
Exceptions to the use of binding arbitration are as follows: Cozy Balloon may bring forth a lawsuit, without using binding arbitration, should the lawsuit involve intellectual property infringement or injunctive relief. Also, either party may use small claims court.
Class Action Waiver
You will not seek to have the dispute heard as a class action, private attorney general action or in any other proceeding in which either party acts or proposes to act in a representative capacity. Arbitration or any other proceeding to resolve any dispute, in any forum, will be conducted solely on an individual basis and not combined with another without the prior written consent of all parties to all affected arbitration or proceedings.
Modification of the Terms
Except that you must be informed in a reasonable manner regarding any pricing increase, Cozy Balloon may, in its sole discretion, change these Terms at any time. Other terms and conditions are only valid when signed in writing by an authorized Cozy Balloon officer.
Severability
If any term, covenant, condition or provision of these Terms is held by a court of competent jurisdiction to be invalid, void or unenforceable, such provision is to be excluded to the extent of such invalidity or unenforceability and all other provisions will remain in full force and effect; and, to the extent permitted and possible, the invalid or unenforceable provision will be deemed replaced by a provision that is valid and enforceable and that comes closest to expressing the intention of such invalid or unenforceable provision.
Waivers
No failure or delay, on the part of Cozy Balloon, in exercising any right or power under these Terms will operate as a waiver of such right or power.
Whole Agreement
Except as explicitly set forth in this agreement, these Terms, the pricing displayed on the Site, the Site's Disclaimer, and, if you are an affiliate, the Affiliate Program Terms and Conditions, constitute the whole agreement between you and Cozy Business notwithstanding any:
Cozy Balloon Material other than this Agreement,
communication between you and Cozy Balloon, including telephone, email and online chat assistance, or
announcements, newsletters or promotional materials from Cozy Balloon.
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Cozy Balloon DOES NOT provide any financial advice and users of this website should consult with their own financial professional for financial advice.
This website (the "Site") is a general service that provides financial information over the Internet. We are not a financial firm and our employees are not acting as financial advisors. The information contained in the Site is general financial information and should not be construed as financial advice to be applied to any specific factual situation. If you are unsure whether your particular situation requires that an action be made, you should consult a financial professional. Any use of the Site DOES NOT create or constitute an advisor-client relationship between Cozy Balloon or any employee of or other person associated with Cozy Balloon and a user of the Site. As the law differs in each legal jurisdiction and may be interpreted or applied differently depending on your location or situation, the information or use of documents on the Site is not a substitute for the advice of a financial professional.
Any guarantee on the Site is subject to our Terms and Conditions. For the most part, our Terms and Conditions specify that there is no guarantee or warranty and that we are not responsible for any loss, injury, claim, liability, or damage ("damages") related to your use of the Site, whether from errors or omissions in the content of the Site or any other linked sites. We are not responsible for any damages from the Site being inaccessible to the user and use of the Site is at your own risk. Refer to our Terms and Conditions regarding details of any exceptions.
While we have worked to make our Site and all the features on our Site compatible with the most commonly used browsers, we cannot represent or guarantee that every feature will work with your browser.
Cozy Balloon does not endorse any content provided by any linked sites, nor does it assume any responsibility for the interpretation or application of any information originating from such content. In addition, Cozy Balloon does not endorse any content contained in any advertising on the Site, nor does it assume any responsibility for the quality or integrity of such work.
Use of our Site is governed by our Terms and Conditions; refer to this document for more information.