Privacy Policy

1. INTRODUCTION

Regnant Money ("Company," "we," "us," or "our") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our website and services (collectively, the "Service"). Please read this Privacy Policy carefully. By using the Service, you consent to the data practices described in this policy.

2. INFORMATION WE COLLECT

2.1 Personal Information

We collect information you provide directly to us, including:

• Account Information: Name, email address, password (encrypted), household name
• Profile Information: User preferences and settings
• Payment Information: Billing details for paid subscriptions (processed by third-party payment processors)
• Communications: Information you provide when contacting us or using the AI assistant

2.2 Financial Information

When you connect financial accounts or use our services, we collect:

• Bank Account Data: Account names, types, balances, and identifiers
• Transaction Data: Transaction dates, amounts, merchants, categories, and descriptions
• Financial Institution Credentials: Access tokens for connected accounts (stored encrypted)
• Historical Data: Account balance snapshots, net worth history, spending patterns
• Budgets and Goals: Your financial goals, budget allocations, and savings targets

2.3 Automatically Collected Information

We automatically collect certain information when you use the Service:

• Device Information: Browser type, operating system, device identifiers
• Usage Data: Pages visited, features used, time spent, click patterns
• Log Data: IP addresses, access times, referring URLs, error logs
• Cookies and Tracking: Session data, preferences, analytics identifiers
• Location Data: General geographic location based on IP address

2.4 AI-Processed Information

Our AI features process the following data:

• Transaction descriptions for categorization and merchant identification
• Financial patterns for predictions and insights
• Conversation history with our AI assistant
• Uploaded documents for statement parsing (bank statements, receipts)

3. HOW WE USE YOUR INFORMATION

We use the collected information for various purposes, including:

• Providing, maintaining, and improving the Service
• Processing transactions and managing your account
• Synchronizing and aggregating your financial accounts
• Generating financial insights, predictions, and recommendations
• Training and improving our AI models and algorithms
• Personalizing your experience and providing relevant content
• Communicating with you about updates, security alerts, and support
• Analyzing usage patterns and improving our services
• Detecting and preventing fraud, abuse, and security threats
• Complying with legal obligations and enforcing our terms
• Conducting research and analytics to improve our products

4. SHARING OF INFORMATION

We may share your information in the following circumstances:

4.1 Third-Party Service Providers

We share data with service providers who assist in operating our Service:

• Plaid Technologies, Inc.: For bank account aggregation and transaction data
• MX Technologies, Inc.: For financial data aggregation services
• OpenAI: For AI-powered features including categorization, insights, and the AI assistant
• Cloud Infrastructure Providers: For hosting and data storage
• Analytics Providers: Including Google Analytics for usage analysis
• Payment Processors: For subscription billing

4.2 Legal Requirements

We may disclose your information if required by law or in response to:

• Legal process, court orders, or government requests
• Enforcement of our Terms of Service
• Protection of our rights, privacy, safety, or property
• Investigation of potential violations or fraud

4.3 Business Transfers

In the event of a merger, acquisition, bankruptcy, or sale of assets, your information may be transferred as part of that transaction. We will notify you of any such change in ownership or control of your personal information.

4.4 Aggregated and Anonymized Data

We may share aggregated, anonymized, or de-identified data that cannot reasonably be used to identify you for any purpose, including research, analytics, and marketing.

5. COOKIES AND TRACKING TECHNOLOGIES

We use cookies and similar tracking technologies to:

• Maintain your session and authentication state
• Remember your preferences and settings
• Analyze usage patterns and improve our services
• Measure the effectiveness of our features
• Provide personalized content and recommendations

Types of Cookies We Use:

• Essential Cookies: Required for the Service to function properly
• Authentication Cookies: To keep you logged in securely
• Analytics Cookies: To understand how you use our Service (Google Analytics)
• Preference Cookies: To remember your settings and choices

You can control cookies through your browser settings. However, disabling certain cookies may limit your ability to use some features of the Service.

6. GOOGLE ANALYTICS

We use Google Analytics 4 (GA4) to collect and analyze usage data. Google Analytics uses cookies and similar technologies to collect information about how you use the Service.

Information collected includes:

• Pages and features you view
• Time spent on pages and in the app
• User interactions and events
• Device and browser information
• Geographic location (country/region level)
• Subscription tier and user type (anonymized)

We do NOT send to Google Analytics: Your name, email address, financial account numbers, transaction details, or any personally identifiable financial information.

For more information about how Google uses your data, visit: Google Privacy Policy

You can opt out of Google Analytics by installing the Google Analytics Opt-out Browser Add-on.

7. DATA RETENTION

We retain your personal and financial information for as long as your account is active or as needed to provide you with the Service. We may also retain certain data as required by law or for legitimate business purposes, including:

• Complying with legal obligations and regulatory requirements
• Resolving disputes and enforcing our agreements
• Preventing fraud and maintaining security
• Backup and disaster recovery purposes

Upon account deletion, we will delete or anonymize your personal data within 90 days, except for data we are legally required to retain.

8. DATA SECURITY

We implement security measures to protect your information, including:

• Encryption of data in transit (TLS/SSL) and at rest
• Secure password hashing (bcrypt)
• Access controls and authentication requirements
• Regular security assessments and monitoring
• Secure cloud infrastructure with industry-standard protections

9. YOUR RIGHTS AND CHOICES

Depending on your location, you may have certain rights regarding your personal data:

9.1 Access and Portability

You may request a copy of the personal data we hold about you.

9.2 Correction

You may update or correct inaccurate personal information through your account settings.

9.3 Deletion

You may request deletion of your account and personal data. Some data may be retained as required by law or for legitimate business purposes.

9.4 Opt-Out

You may opt out of:

• Marketing communications (via unsubscribe links)
• Analytics tracking (via browser settings or opt-out tools)
• Cookies (via browser settings)

9.5 Disconnect Accounts

You may disconnect linked financial accounts at any time through your account settings.

To exercise these rights, please contact us at privacy@regnantmoney.com.

10. INTERNATIONAL DATA TRANSFERS

Your information may be transferred to and processed in countries other than your country of residence, including the United States. These countries may have data protection laws that are different from the laws of your country. By using the Service, you consent to the transfer of your information to countries outside your country of residence.

11. CHILDREN'S PRIVACY

The Service is not intended for children under 18 years of age. We do not knowingly collect personal information from children under 18. If we learn that we have collected personal information from a child under 18, we will delete that information promptly.

12. CALIFORNIA PRIVACY RIGHTS (CCPA)

California residents have additional rights under the California Consumer Privacy Act:

• Right to Know: Request disclosure of personal information collected, used, and shared
• Right to Delete: Request deletion of personal information (subject to exceptions)
• Right to Opt-Out: Opt out of the sale of personal information (we do not sell personal information)
• Right to Non-Discrimination: We will not discriminate against you for exercising your rights

To exercise these rights, contact us at privacy@regnantmoney.com.

13. EUROPEAN PRIVACY RIGHTS (GDPR)

If you are in the European Economic Area (EEA), you have additional rights including:

• Legal Basis: We process your data based on your consent, contract performance, legal obligations, and legitimate interests
• Right to Object: Object to processing based on legitimate interests
• Right to Restrict: Request restriction of processing in certain circumstances
• Right to Lodge Complaint: File a complaint with a supervisory authority
• Data Protection Officer: Contact us for data protection inquiries

14. THIRD-PARTY LINKS AND SERVICES

The Service may contain links to third-party websites or services. We are not responsible for the privacy practices of these third parties. We encourage you to read the privacy policies of any third-party sites you visit.

15. CHANGES TO THIS PRIVACY POLICY

We may update this Privacy Policy from time to time. We will notify you of material changes by posting the updated policy on the Service with a new effective date. Your continued use of the Service after any changes constitutes your acceptance of the updated Privacy Policy.

16. CONTACT US

If you have questions about this Privacy Policy or our data practices, please contact us:

Email: privacy@regnantmoney.com
Website: https://regnantmoney.com