Privacy Policy

1) Who we are & how to contact us

My Money Vision, LLC
11146 Front St., Mokena, IL 60448
Email: info@mymoneyvision.com

2) Information we collect

We collect information in three ways:

A. Information you provide directly

• Account & contact details (name, email, phone, address)
• Age range (for eligibility and plan pricing)
• Identity verification information (if requested during onboarding)
• Purchase details (selected plan, price, discounts)
• Support messages and coaching/scheduling information
• Course activity you submit (assignments, forms, goals, surveys)
• Username or display name and friend connections, if you choose to use our Friends features (see "Friends and social features" below)

B. Information collected automatically

• Device, browser, and log data (IP address, pages viewed, time on page)
• Cookies and similar technologies for essential site features, analytics, and (if enabled) marketing/retargeting

C. Information from third parties

• Payment and subscription processors (e.g., Stripe, Apple, and RevenueCat for in-app purchases) confirm payment and subscription status and may perform identity verification
• Analytics and product-measurement providers (e.g., Mixpanel and HeyCatch) provide usage metrics tied to your account, as described in "Usage and analytics data" below

Payment security: We do not store full payment card numbers. Payments are processed by our third‑party payment processor (e.g., Stripe). Their use of your data is governed by their own privacy policy.

3) Third-Party Authentication

If you sign up or log in using Apple or Google, we may collect:

• Name
• Email address (or anonymized relay email, if chosen)
• Unique authentication identifier

This information is used solely to:

• Create and manage your account
• Authenticate access
• Prevent fraud and unauthorized use

We do not access your contacts, private files, or third-party account passwords.

4) Payments and Transactions

Payments for subscriptions or premium features are processed by Apple (for in-app purchases) or by third-party payment processors (e.g., Stripe) for web-based transactions. In-app subscriptions are managed for us by RevenueCat, which tells us your subscription and trial status so we can unlock the right access.

We do not store full payment card information. Payment data is handled securely by our payment partners in accordance with their privacy and security policies.

Our subscriptions are auto-renewing. The renewal terms, pricing, free-trial details, and how to cancel are presented to you at the point of purchase and described in our Terms of Service. For in-app subscriptions, you manage or cancel through your Apple account settings.

Transaction records may be associated with your account for customer support and access management.

5) Push Notifications & Device Data

If you opt in to push notifications, we may collect:

• A device notification token
• App interaction data related to notification delivery and engagement

This data is used to:

• Deliver notifications
• Improve app performance and user experience
• Measure engagement

Push notification tokens are not shared with third parties for advertising purposes.

6) Usage and Analytics Data

We collect product-usage data to understand how the Services are used and to improve them, including:

• App interactions and feature usage (for example, lessons started or completed, goals created, paywall views)
• Session duration
• Subscription and trial events (for example, trial started, subscription started)
• Error logs

Some of this data is processed by our analytics providers, Mixpanel and HeyCatch (which uses PostHog to process this data on its behalf), and is associated with your account identifier so we can measure how individual users progress over time. We share your email address and name with HeyCatch only if you are 18 or older. If you are 14 to 17, or we do not yet know your age, we send an account identifier only. This data is used for our own product analytics and is not sold or used to serve you third-party advertising. We use this information to improve product performance, reliability, and educational outcomes.

For advertising-related measurement (which applies only to adults who opt in), see "Advertising and measurement" below.

6a) Advertising and Measurement

We run advertising on third-party platforms, including Meta (Facebook and Instagram), to reach people who may be interested in our financial education program. To measure whether those ads are effective, our iOS app can share limited app-event data (for example, that the app was installed or that a subscription began) with Meta through the Meta SDK.

This advertising measurement is limited in two important ways:

• Adults only. We do not share app-event data with advertising partners for users under 18. App-event sharing for advertising is disabled for minors.
• Consent-based on iOS. For adult users on iOS, we request your permission through Apple's App Tracking Transparency prompt before any data is used to track you across apps or websites for advertising. If you decline, we do not use your data for cross-app advertising measurement.

You can change your tracking choice at any time in your device's Settings under Privacy & Security > Tracking. Meta's use of any data it receives is governed by Meta's own privacy policy.

6b) Friends and Social Features

If you choose to use our Friends features, we collect and process additional information so the feature can work:

• A username or display name that you choose
• Friend connections (the people you add as friends and who add you)
• Limited learning activity visible to your friends, such as your learning streak, recent activity status, and lessons you have completed

Your username and any progress you share are visible to people you are connected with inside the app. The Friends features do not include public posts, direct messaging, or a public feed.

To keep the community safe, especially for our younger users, we:

• Filter usernames against a denylist to block offensive or inappropriate handles
• Let you block another user, which removes the connection and hides your activity from them
• Let you report a username or user you believe is offensive or inappropriate, and we review and act on those reports

To report a concern outside the app, contact us at info@mymoneyvision.com.

6c) AI Tutor / Educational Assistant

The Services include an optional AI-powered educational assistant (the "AI Tutor") that answers questions about course material. When you use the AI Tutor:

• The messages you send and the assistant's replies are stored and associated with your account, so you can continue your conversation and so we can support and improve the feature
• To generate a response, the content of your messages is sent to our AI provider, Anthropic, which processes it on our behalf to produce the reply and does not use it to train its models

The AI Tutor provides general financial education only. It does not provide financial, investment, tax, or legal advice. Please do not enter sensitive personal or financial details (for example, account numbers, Social Security numbers, or passwords) into the AI Tutor.

Anthropic's processing of any data it receives is governed by its own terms and privacy commitments.

7) How we use information

We use personal information to:

• Create and manage your account and enrollment
• Deliver course content, coaching, and support
• Personalize dashboards and track your progress
• Process payments, discounts, and refunds
• Verify eligibility and prevent fraud, abuse, or misuse
• Communicate about your account, updates, and service notices
• Improve the Services, run analytics, and develop new features
• Comply with legal, tax, and accounting obligations

Legal bases (EEA/UK users): We rely on performance of a contract, legitimate interests (e.g., service improvement, security), consent (e.g., non‑essential cookies/marketing), and legal obligations.

8) When we share information

We do not sell your personal information for money. We share it only with:

• Service providers that help us run the Services (hosting; payment and subscription processing; identity verification; email delivery; helpdesk; analytics). These parties may access your information only to perform services for us and must protect it.
• Our AI provider (Anthropic), which processes the content of your AI Tutor messages to generate responses, as described in "AI Tutor / Educational Assistant." Anthropic acts as our service provider and does not use this content to train its models.
• Advertising partners (e.g., Meta), and only for adult users (18+) who have consented through Apple's App Tracking Transparency prompt, as described in "Advertising and measurement." We do not share data with advertising partners for users under 18. Some privacy laws (such as the CCPA) treat this kind of advertising-measurement sharing as a "sale" or "sharing" of personal information; you can opt out at any time using your device tracking settings or by contacting us.
• Other users, limited to the username and shared activity you choose to expose through the Friends features.
• Advisors/parents/guardians if you were enrolled by them and where appropriate to deliver the Services (e.g., confirming enrollment or progress summaries you choose to share).
• Legal & safety reasons (to comply with laws, respond to lawful requests, or protect rights, safety, and security).
• Business transfers (e.g., merger or acquisition) in which case we will require the recipient to honor this Policy.

9) Your Choices and Controls

You may:

• Manage or delete your account
• Disable push notifications through device settings
• Control advertising tracking on iOS through Apple's App Tracking Transparency prompt and your device Settings (Privacy & Security > Tracking)
• Block or report another user, and stop using the Friends features at any time
• Choose whether to share your email address when using Sign in with Apple
• Request access to or deletion of your personal data, subject to legal obligations

Account settings: You may update your profile and preferences in your account or by contacting us.

Emails & texts: We send two kinds of messages. Transactional and service messages (for example, account, security, billing, and subscription notices) are required to operate your account, and are sent through our email provider (Resend). Marketing messages (for example, tips, offers, and product updates) are optional, and you can opt out at any time using the unsubscribe link in the message or by contacting us. We do not send marketing messages to users under 18.

Cookies/analytics: You can manage cookies via your browser settings or any cookie banner we provide. Disabling some cookies may impact site functionality.

Requests can be submitted by contacting us at info@mymoneyvision.com.

10) Your privacy rights

Depending on where you live, you may have rights to access, correct, delete, or receive a copy of your personal information, to opt out of targeted advertising or certain sharing, and to restrict or object to processing. To exercise a right, email info@mymoneyvision.com with "Privacy Request" in the subject and tell us your state/country of residence. We will verify your request consistent with applicable law. Authorized agents may submit requests where permitted.

11) Data retention

We keep personal information only as long as necessary to provide the Services and for legitimate business, legal, or accounting purposes (for example, tax records). When no longer needed, we will delete or de‑identify information as required by law and our policies.

12) Security

We use administrative, technical, and physical safeguards designed to protect personal information, including:

• Encryption of data in transit (TLS/SSL) and at rest
• Row-level security (RLS) policies ensuring users only access their own data
• Regular security assessments and vulnerability monitoring
• Access controls and audit logging for administrative functions
• Automated daily backups with point-in-time recovery capabilities

Our infrastructure is hosted on enterprise-grade cloud platforms with SOC 2 Type II compliance, providing 99.9%+ uptime with redundant systems, active monitoring, and load balancing.

No system is 100% secure; please use strong passwords and keep your account details confidential. Notify us promptly of any suspected unauthorized access at info@mymoneyvision.com.

12a) Security Vulnerability Disclosure

We maintain a responsible disclosure program for security researchers to report vulnerabilities. If you discover a security issue, please report it to info@mymoneyvision.com. For more details on our disclosure process, please visit our Security Disclosure page.

13) Children's Privacy

My Money Vision is intended for users who are at least 14 years old. The Services are not directed to children under 14, and we do not knowingly permit registration by, or knowingly collect personal information from, anyone under 14.

If you are 14 to 17, you may use the Services only with parent/guardian or sponsoring-advisor consent as required by our Terms. For these users we do not share data with advertising partners and do not send marketing messages.

If we learn that we have collected information from anyone under 14, we will delete it promptly. To request deletion, contact us at info@mymoneyvision.com.

14) International users

We are based in the United States. If you access the Services from outside the U.S., your information may be transferred to and processed in the U.S. and other countries that may have different data protection laws than your country of residence.

15) Compliance with Platform Policies

We comply with Apple App Store policies, including requirements related to privacy, data usage, in-app purchases, and user consent.

16) Changes to this Policy

We may update this Policy from time to time. The "Effective date" above shows when it last changed. If changes are material, we will provide a prominent notice (e.g., on our site or by email) and where required, obtain your consent.

17) Acceptance & checkout consent

By creating an account, using the Services, or clicking "I agree" at checkout, you consent to this Privacy Policy and the Terms of Service.