Privacy Policy

Protecting your private information is our priority. This Statement of Privacy applies to
OttoRewards, and Specs and Lead, LLC and governs data collection and usage. For the purposes
of this Privacy Policy, unless otherwise noted, all references to Specs and Lead, LLC include
www.ottorewardsapp.com and OttoRewards mobile application. The OttoRewards mobile
application is a third-party manager, utilizing the user's checking account to pay accrued credit
card transactions culminated over a ten-day period, in partnership with the Methodfi API. By
using the OttoRewards mobile application, you consent to the data practices described in this
statement.
 
Collection of your Personal Information
In order to better provide you with products and services offered, OttoRewards may collect
personally identifiable information, such as your:
 
 - First and Last Name
 - Mailing Address
 - E-mail Address
 - Phone Number
 
If you subscribe to the OttoRewards’ mobile application products and services, we collect billing
and credit card information. This information is used to complete the purchase transaction.
 
OttoRewards may also collect anonymous demographic information, which is not unique to you,
such as your:
 
 - Age
 - Gender
 - Household Income
 - Demographic Information
 - Financial Information
 - Other profile information, including your interests and preferences
 - Any other information you choose to provide

 
We do not collect any personal information about you unless you voluntarily provide it to us.
However, you may be required to provide certain personal information to us when you elect to
use certain products or services. These may include: (a) registering for an account; (b) entering a
sweepstakes or contest sponsored by us or one of our partners; (c) signing up for special offers
from selected third parties; (d) sending us an email message; (e) submitting your credit card or
other payment information when ordering and purchasing products and services. To wit, we will
use your information for, but not limited to, communicating with you in relation to services
and/or products you have requested from us. We also may gather additional personal or non-
personal information in the future.
 

Use of your Personal Information
OttoRewards collects and uses your personal information to operate and deliver the services you
have requested.
 
OttoRewards may also use your personally identifiable information to inform you of other
products or services available from OttoRewards and its affiliates.
 
Sharing Information with Third Parties
OttoRewards does not sell, rent or lease its customer lists to third parties.
 
OttoRewards may share data with trusted partners to help perform financial transactions per the
terms of the End User License Agreement, statistical analysis, send you email or postal mail,
provide customer support, or arrange for deliveries. All such third parties are prohibited from
using your personal information except to provide these services to OttoRewards, and they are
required to maintain the confidentiality of your information.
 
OttoRewards may disclose your personal information, without notice, if required to do so by law
or in the good faith belief that such action is necessary to: (a) conform to the edicts of the law or
comply with legal process served on OttoRewards or the site; (b) protect and defend the rights or
property of OttoRewards; and/or (c) act under exigent circumstances to protect the personal
safety of users of OttoRewards, or the public.
 
Security of your Personal Information
OttoRewards secures your personal information from unauthorized access, use, or disclosure.
OttoRewards uses the following methods for this purpose:
 
 - Methodfi
- Apple IOS
- Google Play
 
We strive to take appropriate security measures to protect against unauthorized access to or
alteration of your personal information. Unfortunately, no data transmission over the Internet or
any wireless network can be guaranteed to be 100% secure. As a result, while we strive to
protect your personal information, you acknowledge that: (a) there are security and privacy
limitations inherent to the Internet which are beyond our control; and (b) security, integrity, and
privacy of any and all information and data exchanged between you and us through this Site
cannot be guaranteed.
 
Right to Deletion
Subject to certain exceptions set out below, on receipt of a verifiable request from you, we will:
• Delete your personal information from our records; and
• Direct any service providers to delete your personal information from their records.
 
Please note that we may not be able to comply with requests to delete your personal information
if it is necessary to:

• Complete the transaction for which the personal information was collected, fulfill the
terms of a written warranty or product recall conducted in accordance with federal law,
provide a good or service requested by you, or reasonably anticipated within the context
of our ongoing business relationship with you, or otherwise perform a contract between
you and us;
• Detect security incidents, protect against malicious, deceptive, fraudulent, or illegal
activity; or prosecute those responsible for that activity;
• Debug to identify and repair errors that impair existing intended functionality;
• Exercise free speech, ensure the right of another consumer to exercise his or her right of
free speech, or exercise another right provided for by law;
• Comply with the Gramm Leach Bliley Act (GLBA) and the Fair Credit Reporting Act
(FCRA);
• Engage in public or peer-reviewed scientific, historical, or statistical research in the
public interest that adheres to all other applicable ethics and privacy laws, when our
deletion of the information is likely to render impossible or seriously impair the
achievement of such research, provided we have obtained your informed consent;
• Enable solely internal uses that are reasonably aligned with your expectations based on
your relationship with us;
• Comply with an existing legal obligation; or
• Otherwise use your personal information, internally, in a lawful manner that is
compatible with the context in which you provided the information.
 
Children Under Thirteen
OttoRewards does not knowingly collect personally identifiable information from children under
the age of thirteen. If you are under the age of thirteen, you shall not be granted usage or
subscribership to this mobile application.
Children over the age of thirteen and under the age of eighteen must have written
parental/guardian permission to access this mobile application.
 
Disconnecting your OttoRewards Account from Third Party Websites
You will be able to connect your OttoRewards account to third party accounts. BY
CONNECTING YOUR OTTOREWARDS ACCOUNT TO YOUR THIRD-PARTY
ACCOUNT, YOU ACKNOWLEDGE AND AGREE THAT YOU ARE CONSENTING TO
THE CONTINUOUS RELEASE OF INFORMATION ABOUT YOU TO OTHERS (IN
ACCORDANCE WITH YOUR PRIVACY SETTINGS ON THOSE THIRD-PARTY SITES).
IF YOU DO NOT WANT INFORMATION ABOUT YOU, INCLUDING PERSONALLY
IDENTIFYING INFORMATION, TO BE SHARED IN THIS MANNER, DO NOT USE THIS
FEATURE. You may disconnect your account from a third-party account at any time. Users may
learn how to disconnect their accounts from third-party websites by visiting their "Settings" page
and clicking the ‘FAQ” option. Users may also contact us via email.
 
E-mail Communications
From time to time, OttoRewards may contact you via email for the purpose of providing
announcements, promotional offers, alerts, confirmations, surveys, and/or other general

communication. In order to improve our Services, we may receive a notification when you open
an email from OttoRewards or click on a link therein.
 
If you would like to stop receiving marketing or promotional communications via email from
OttoRewards, you may opt out of such communications and unsubscribe
from emails by "replying STOP" or clicking on the "UNSUBSCRIBE" button.
 
External Data Storage Sites
We may store your data on servers provided by third party hosting vendors with whom we have
contracted.
 

Changes to this Statement
OttoRewards reserves the right to change this Privacy Policy from time to time. We will notify
you about significant changes in the way we treat personal information by sending a notice to the
primary email address specified in your account, by placing a prominent notice on our
application, and/or by updating any privacy information. Your continued use of the application
and/or Services available after such modifications will constitute your: (a) acknowledgment of
the modified Privacy Policy; and (b) agreement to abide and be bound by that Policy.
 
Contact Information
OttoRewards welcomes your questions or comments regarding this Statement of Privacy. If you
believe that OttoRewards has not adhered to this Statement, please contact OttoRewards at:
 
Specs and Lead, LLC
9890 Liberia Ave #1082
Manassas, Virginia 20110
 
Email Address:
specsandleadllc@gmail.com
   
Effective as of July 01, 2024.

Why can’t I pay my bill yet?

OttoRewards pays the users credit card after every ten day cycle. Once the ten days is up, the manual pay option is I’ll turn green and the user can pay their bill.

Can I cancel my Payment?

Yes! Simply navigate to your “Payment” page and select the “Cancel Payment” button next to the initiated payment that you wish to cancel.

What if a payment is past the point of being able to cancel? Can I get it back?

You will need to contact your credit institution to inquire about payment reversal.

Is the OttoRewards app available outside of the United States?

Currently, the OttoRewards app is only offered within the United States.

Does OttoRewards offer any safeties against an overdrawn checking account?

In the user’s Settings Page, under Auto Debit Settings, the user has the ability to choose manual pay, or auto-debit. Ultimately, the user holds full responsibility if their checking account is overdrafted.

Does OttoRewards have their own rewards system?

OttoRewards does not currently offer their own rewards system.  This app works as a third-party gateway to allow the user the convenience of gaining rewards on their rewards credit cards, without having to remember to pay them through the credit card establishments.  This may change in the future.  All user’s will be notified of any changes or updates.

Can I downgrade my subscription plan?

Yes, if the user would like to minimize the number of cards they pay for, they can downgrade their subscription plan through the “My Subscription” page within the “more” tab. The user will ultimately choose which rewards credit card(s) to remain active for their downgraded plan. If the user chooses to downgrade, that will go into effect for the next monthly pay cycle.

Does OttoRewards guarantee the user will not have to pay their monthly credit card bill?

OttoRewards does NOT guarantee the minimum monthly credit card payment will be made on the user’s credit card account.  If the user signs up for the Auto-debit Setting, all transactions will be paid within a ten day window.  If the user does not make any transactions on that card during that window, nothing will be paid.  When the user signs up for the Manual Setting, there will be an option to pay the card’s monthly minimum, the full ten days worth of transactions, or a set amount chosen by the user prior to payment.

Can I opt out of paying specific transactions?

  • Not at the moment, However this feature will be available soon. To pay a specific amount, simply navigate to your “pay” tab and you will be able to enter a specific amount you’d like to pay.

Does credit monitoring negatively affect my credit?

No, the user’s credit will not be negatively affected by the credit score monitoring.  Our monitoring system utilizes FICO through MethodFi API, which will keep the user up to date on their credit score changes, and how their score is ranked.

Can I cancel any time?

Yes, the user may cancel their subscription at any time.  Cancellation of the app will occur through their in-app purchases on their cellular device. The user will find a "Cancel My Subscription “ option at the bottom of the My Subscription page. This will route the user to their in-app purchases. After the user has successfully canceled, they will have access to their account until the expiring day of that month.

Can I receive a refund if I cancel at the beginning of the month?

No refunds will be given if the user cancels immediately after their monthly subscription fee.  The account will continue to remain active until the expiry date at the end of that month.

Can I change my subscription plan?

Yes, the user can change their subscription plan at any time.  The user can upgrade this plan through the “more” tab and then selecting “my subscription.”  If the user chooses to increase their plan, they will be automatically routed to in-app purchases to complete this transaction.  If the user chooses to downgrade, that will go into effect for the next monthly pay cycle.

How often does OttoRewards debit the user’s checking account?

Regardless of the plan chosen, the user’s checking account will be withdrawn one time in a ten day window.  If the user signs up for additional cards after the initial onboarding, each ten day window may not align between all rewards credit cards added.

Does OttoRewards store any personal or secured banking information?

No, OttoRewards does not store any personal or secured banking information.  All secured data, including, but not limited to social security numbers, full credit card numbers, account/routing numbers, are stored through MethodFi API.