Introduction

This Privacy Policy ("Policy") applies to Money Minds and Money Minds LLC ("Company") and governs the collection, use, and handling of data in compliance with applicable laws and regulations, including the General Data Protection Regulation (GDPR), where applicable. Unless otherwise specified, references to the Company throughout this Policy include Money Minds. By using the Company's services or application, you consent to the data practices described in this Policy.

Collection of Your Personal Information

We collect minimal personal information, specifically the username and email address you provide when you register for our services. This information is collected either based on your consent or as necessary for fulfilling our contract with you. We do not share your personal information with third parties, except where required to provide the services you have requested.

We implement reasonable measures to ensure the confidentiality and security of your personal data. However, please note that your content (excluding credit card details) may be transmitted over unencrypted networks in certain circumstances. This includes:

• Transmissions over various networks.
• Changes to conform and adapt to technical requirements of connecting networks or devices.

We do not store, sell, share, rent, or lease your credit card information. Credit/debit card details and other personally identifiable information are processed through our secure payment gateway providers.

Use of Your Personal Information

The Company collects and uses your personal information based on your consent and/or to fulfill our contractual obligations with you. This includes operating and delivering the services you have requested, providing you with information, products, or services, and notifying you about changes to our services or any products we offer.

Sharing Information with Third Parties

The Company does not sell, rent, or lease its customer lists to third parties. We may share your data with trusted partners to assist with statistical analysis, sending emails, or providing customer support. These third parties are required to maintain the confidentiality and security of your information. We ensure that data transfers, including those outside your country, comply with data protection laws, such as the General Data Protection Regulation (GDPR).

• The Company may disclose your personal information if required by law or in good faith to protect our rights, comply with legal processes, or protect the safety of users or the public.

Your Data Protection Rights Under The General Data Protection Regulation

If you are a resident of the EEA or the UK, you have the following data protection rights:

• Access: You have the right to request access to your personal data.
• Correction: You have the right to request that we correct any information you believe is inaccurate or complete information you believe is incomplete.
• Deletion: You have the right to request the deletion of your personal data.
• Objection: You have the right to object to the processing of your personal data.
• Restriction: You have the right to request that we restrict the processing of your personal data.
• Portability: You have the right to request the transfer of your personal data to another organization or directly to you.

You can exercise these rights by emailing us at support@moneymindsapp.com. If you have opted in to receive marketing communications, you can opt out at any time by clicking the "unsubscribe" link in the emails. To opt out of other forms of marketing, please contact us via email.

If we have collected and processed your personal information with your consent, you can withdraw your consent at any time. Withdrawing consent will not affect the lawfulness of processing based on consent before its withdrawal.

You also have the right to file a complaint with a data protection authority regarding our collection and use of your personal information.

For more information, please contact your local data protection authority. We respond to all requests we receive from individuals wishing to exercise their data protection rights in accordance with applicable data protection laws.

Right to Deletion

Subject to certain exceptions set out below, upon 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. To make a verifiable request, please contact us at support@moneymindsapp.com.

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, and 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 California Electronic Communications Privacy Act
• 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

The Company does not knowingly collect personally identifiable information from children under the age of 13. If you are under the age of 13, you must ask your parent or guardian for permission to use this application. If we have collected personal information from a child under age 13 without verification of parental consent, we will delete that information as soon as possible. If you believe this may be the case, please contact us immediately at support@moneymindsapp.com.

Email Communications

From time to time, the Company may contact you via email to provide announcements, promotional offers, alerts, confirmations, surveys, and other general communication. To improve our services, we may use cookies or other tracking technologies to receive a notification when you open an email from the Company or click on a link therein. If you would like to stop receiving marketing or promotional communications via email from the Company, you may opt out of such communications by clicking on the unsubscribe button in the email or by contacting us at support@moneymindsapp.com.

SMS Communications

From time to time, the Company may contact you via SMS to provide announcements, promotional offers, alerts, confirmations, surveys, and other general communication. To improve our services, we may use tracking technologies to monitor the effectiveness of these communications. If you would like to stop receiving marketing or promotional SMS messages from the Company, you may opt out at any time by replying STOP to any SMS message or by contacting us at support@moneymindsapp.com.

Changes to This Statement

The Company reserves the right to change this Policy from time to time to meet legal requirements and standards. We will notify you about significant changes by sending a notice to the primary email address specified in your account, placing a prominent notice on our site, and/or updating any privacy information. You will have a reasonable period to review the changes before they take effect. Modifications will be effective on the day they are posted. Your continued use of the application and/or services available after such modifications will constitute your acknowledgment of the modified Policy and agreement to abide by and be bound by that Policy.

Contact Us

The company welcomes your questions or comments regarding the Terms at support@moneymindsapp.com.

Owned and Managed by Money Minds LLC

1603 Capitol Ave Ste 415

Cheyenne, WY 82001-4562

Effective as of November 11, 2024