Privacy Policy

1. What This Privacy Policy Covers

This Privacy Policy covers how we treat Personal Data that we gather when you access or use our Services. "Personal Data" means any information that identifies or relates to a particular individual and also includes information referred to as "personally identifiable information" or "personal information" under applicable data privacy laws, rules, or regulations. This Privacy Policy does not cover the practices of companies we don't own or control or people we don't manage.

2. Personal Data We Collect

Profile and Contact Data

First and last name, email address, and phone number. Collected when you create an account or sign in with Google.

Financial Account Data

When you choose to link your financial accounts through our third-party financial data aggregation service, we receive account information including account names, types, balances, and account identifiers (such as the last four digits of an account number). We do not receive or store your bank login credentials.

Transaction Data

When you link your financial accounts, we may receive transaction history for the purpose of calculating your income and spending patterns. This data is aggregated and used solely to provide you with personalized financial planning insights.

Financial Planning Data

Information you provide directly, such as your age, zip code, household composition, annual income, annual spending, and investment account balances. This data is used to calculate your Freedom Age and provide personalized financial guidance.

Conversation Data

Content of your interactions with our AI-powered financial planning assistant, including questions you ask and responses provided. This data is used to improve the quality and accuracy of our Services.

Device and Usage Data

IP address, device type, browser type, operating system, referring URLs, and information about how you interact with our Services, including pages viewed and features used.

Consumer Demographic Data

Age, zip code, and household composition, as provided by you for financial planning purposes.

3. How We Use Your Personal Data

Providing, Customizing, and Improving the Services

• Creating and managing your account.
• Calculating your Freedom Age and providing personalized financial planning insights.
• Aggregating and analyzing your financial account data to present your net worth, income, and spending.
• Improving the Services, including testing, research, internal analytics, and product development.
• Personalizing the Services and communications based on your financial profile and preferences.
• Ensuring security, preventing fraud, and debugging.

Communicating with You

• Responding to your inquiries and providing customer support.
• Sending you information about Freedom Age or the Services, according to your preferences.

4. How We Disclose Your Personal Data

We disclose your Personal Data to the following categories of third parties:

Service Providers

These parties help us provide the Services or perform business functions on our behalf. They include:

• Hosting, technology, and infrastructure providers.
• Financial data aggregation services that securely connect to your financial accounts.
• AI and machine learning service providers that power our financial planning assistant.
• Analytics providers for understanding how users interact with our Services.
• Authentication and identity verification providers.
• Payment processors.

Parties You Authorize

• Third-party services you access through our Services.
• Social media services used for authentication (e.g., Google Sign-In).

Legal Obligations

We may disclose Personal Data to government entities or other third parties to fulfill legal obligations, respond to legal process, protect rights and safety, enforce agreements, or resolve disputes.

Business Transfers

All Personal Data may be transferred to a third party if we undergo a merger, acquisition, bankruptcy, or other transaction in which that third party assumes control of our business.

5. Financial Data Security

We are committed to maintaining the confidentiality and security of your financial data. We implement administrative, technical, and physical safeguards to protect your information, including:

• Encryption of data in transit and at rest.
• Secure authentication through industry-standard OAuth protocols.
• We never receive or store your bank login credentials. Financial account connections are managed through our third-party financial data aggregation service, which maintains its own rigorous security standards.
• Access controls ensuring that only authorized systems process your financial data.
• Regular review of our security procedures to prevent unauthorized access.

Although we work to protect the security of your data, please be aware that no method of transmitting data over the internet or storing data is completely secure.

6. Data Retention

We retain Personal Data about you for as long as necessary to provide you with our Services or to perform our business purposes for collecting your Personal Data. When establishing a retention period, we consider the nature of the data, why we collected it, and the sensitivity of the information.

• We retain your profile information and credentials for as long as you have an account with us.
• Financial account data and transaction data are retained for as long as your account is active and your financial accounts are linked.
• Conversation data is retained to improve service quality and may be retained in anonymized form after account deletion.
• Device and usage data is retained for as long as needed to ensure our systems function properly.

You may request deletion of your Personal Data at any time by contacting us at the email address below.

7. AI-Powered Services

Freedom Age uses artificial intelligence to provide personalized financial planning insights. When you interact with our AI-powered assistant:

• Your financial data and conversation history are processed by AI service providers to generate personalized responses.
• All financial calculations are performed by validated mathematical models. The AI does not independently generate financial figures.
• Your conversations may be used to improve the quality and accuracy of our Services.
• We do not use your Personal Data to train general-purpose AI models.

8. Cookies and Tracking Technologies

Our Services use cookies and similar technologies to enable our servers to recognize your web browser, analyze trends, and operate and improve our Services. We use the following types of cookies:

• Essential Cookies: Required for providing you with features or services you have requested, such as maintaining your logged-in session.
• Functional Cookies: Used to record your choices and preferences over time.
• Performance and Analytical Cookies: Allow us to understand how visitors use our Services and measure the performance of our marketing efforts.

You can control cookies through your browser settings. However, disabling cookies may limit certain features of our Services.

9. Personal Data of Children

We do not knowingly collect or solicit Personal Data from children under 13 years of age. If you are a child under the age of 13, please do not attempt to register for or otherwise use the Services or send us any Personal Data. If we learn we have collected Personal Data from a child under 13 years of age, we will delete that information as quickly as possible.

10. Your Rights

Depending on your state of residence, you may have certain rights regarding your Personal Data, including:

• The right to know what Personal Data we have collected about you.
• The right to request deletion of your Personal Data.
• The right to opt out of the sale or sharing of your Personal Data. We do not sell your Personal Data.
• The right to non-discrimination for exercising your privacy rights.

To exercise any of these rights, please contact us at the email address below.

11. California Resident Rights

Under California Civil Code Sections 1798.83-1798.84, California residents are entitled to contact us to prevent disclosure of Personal Data to third parties for such third parties' direct marketing purposes. We do not currently disclose your Personal Data in such a manner.

12. Nevada Resident Rights

We do not currently sell your Personal Data as sales are defined in Nevada Revised Statutes Chapter 603A.

13. Contact Information

If you have any questions or comments about this Privacy Policy, the ways in which we collect and use your Personal Data, or your choices and rights regarding such collection and use, please do not hesitate to contact us at:

support@myfreedomage.com

https://www.myfreedomage.com