Privacy Policy for Money101

Introduction

Welcome to Money101, your AI-powered personal financial advisor platform designed to help you achieve financial freedom through intelligent guidance and education. At Money101, we take your privacy seriously, and this privacy policy outlines how we collect, use, and protect your personal information when you use our services.

Information Collection and Use

We collect the following types of data to provide you with personalized financial guidance and a better experience while using Money101:

  1. Account Information
    • What We Collect: Your name, email address, financial goals, risk tolerance, and other relevant financial information you provide when creating an account.
    • Purpose: To deliver personalized financial advice and manage your account.
  2. Usage Details
    • What We Collect: Information about how you interact with our AI advisor, which educational resources you access, and your progress through financial learning materials.
    • Purpose: To improve our AI recommendations and enhance our educational content.
  3. Financial Information
    • What We Collect: Data about your income, expenses, savings, investments, and debt situations that you share with our platform.
    • Purpose: To provide accurate, personalized financial guidance and track your progress toward financial goals.
  4. Device Information
    • What We Collect: Data regarding the devices you use to access Money101, including device type, operating system, and browser type.
    • Purpose: To optimize our services across different devices and ensure a seamless experience.
  5. Cookies
    • What We Collect: Small data files placed on your device that help us track user preferences and improve user experience.
    • Purpose: To enhance platform functionality and personalize your learning journey.

Data Storage and Security

We understand the sensitive nature of financial information and employ bank-level encryption to protect your data. Your personal and financial information is stored securely on our servers with strict access controls. While no method of transmission over the Internet is 100% secure, we implement industry-leading security measures to protect against unauthorized access, alteration, disclosure, or destruction of your personal information.

Information Sharing and Disclosure

We maintain strict confidentiality of your financial information and do not sell, trade, or transfer your personal data to outside parties, except in the following circumstances:

  • To comply with legal obligations or respond to lawful requests from public authorities
  • To protect our rights, property, or safety, or that of our users or others
  • To provide services through trusted third-party partners who assist us in operating our platform, subject to strict confidentiality agreements

Changes to This Policy

We may update this privacy policy periodically to reflect changes in our practices or for other operational, legal, or regulatory reasons. We will notify you of any material changes by posting the new policy on this page and updating the "effective date" at the top of this policy.

Contact Us

If you have any questions about this privacy policy or our data practices, please contact us at:

Platform Owner: Money101 AI Technologies
Email: jason@polytime.app

By using Money101, you consent to our privacy policy and agree to its terms. Thank you for trusting us with your financial journey!