Privacy Policy for MoneyTalkie

Effective Date: April 3, 2025

At MoneyTalkie, we are committed to protecting your privacy and ensuring the security of your personal financial information. This Privacy Policy outlines how we collect, use, share, and protect your data when you use our services.

Table of Contents

1. Information We Collect

To provide our AI-powered financial advisory services, we collect the following types of information:

Personal Identification Information: When you register for an account, we collect your name, email address, and date of birth.​

Financial Data: With your consent, we access your financial account information through integrations with third-party services like Plaid. This includes transaction histories, account balances, and other financial details.​

Usage Data: We collect data on how you interact with our platform, including your search queries, features used, and engagement metrics.​

2. How We Use Your Information

Your information is used for the following purposes:

Personalized Financial Advice: To analyze your financial data and provide tailored recommendations and insights.​

Service Improvement: To enhance our platform's functionality, user experience, and performance.​

Communication: To send you updates, newsletters, and other information related to our services.​

Compliance and Security: To monitor transactions for fraudulent activity and comply with legal obligations.​

3. Data Sharing and Disclosure

We may share your information with the following parties:

Service Providers: Third-party vendors who assist in delivering our services, such as cloud hosting providers (e.g., Google Cloud), analytics services (e.g., Firebase Analytics), and data processing partners (e.g., OpenAI). These providers are contractually obligated to protect your data and use it solely for the purposes specified by us.​

Legal Authorities: If required by law or to protect our rights, we may disclose your information to government agencies or legal entities.​

4. Data Security

We implement robust security measures to protect your data:

Encryption: All data stored in our databases is encrypted using industry-standard encryption protocols. Data transmitted between your device and our servers is secured using SSL/TLS encryption.​

Access Controls: We enforce strict access controls to ensure that only authorized personnel have access to your personal and financial information.​

Regular Audits: We conduct regular security audits and vulnerability assessments to identify and mitigate potential risks.​

5. Data Retention

We retain your personal and financial data for as long as necessary to fulfill the purposes outlined in this Privacy Policy, comply with legal obligations, and resolve disputes. You can request the deletion of your data at any time by contacting us at contact@moneytalkie.ai.

6. User Rights

Depending on your jurisdiction, you may have the following rights regarding your personal data:

Access: You can request access to the personal data we hold about you.​

Correction: You can request corrections to any inaccuracies in your personal data.​

Deletion: You can request the deletion of your personal data, subject to certain legal exceptions.​

Objection: You can object to the processing of your personal data in certain circumstances.​

To exercise these rights, please contact us at contact@moneytalkie.ai.

7. International Data Transfers

As our services are currently available in the U.S. and Canada, your data may be stored and processed in these countries. We ensure that any international data transfers comply with applicable data protection laws and that appropriate safeguards are in place to protect your information.​

8. Children's Privacy

Our services are intended for individuals aged 18 and over. We do not knowingly collect personal data from individuals under the age of 18. If we become aware that we have inadvertently collected data from a minor, we will take steps to delete such information promptly.​

Our platform may contain links to third-party websites or services. This Privacy Policy does not apply to those external sites. We encourage you to review the privacy policies of any third-party sites you visit.​

10. Changes to This Privacy Policy

We may update this Privacy Policy periodically to reflect changes in our practices, legal requirements, or technological advancements. We will notify you of significant changes by posting the updated policy on our website with a new effective date.​

11. Contact Us

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

Money Talkie AI LLC

Email: privacy@moneytalkie.ai

Address: 30 North Gould Street Suite N Sheridan WY 82801

By using MoneyTalkie, you agree to the terms outlined in this Privacy Policy.