Privacy Policy

Last updated: January 1, 2025

1. Information We Collect

1.1 Information You Provide

• Account Information: Names, email addresses, phone numbers, dates of birth
• Identity Verification: Social Security Number (SSN) or ITIN for banking compliance
• Financial Information: Bank account details for transfers and funding
• Profile Information: Savings goals, spending categories, and preferences

1.2 Information We Collect Automatically

• Transaction Data: Purchase amounts, merchant names, dates, and categories
• Device Information: IP address, device type, operating system, app version
• Usage Data: Features used, time spent in app, interaction patterns
• Location Data: Only when you enable location services for security features

2. How We Use Your Information

2.1 To Provide Our Services

• Process transactions and manage your joint account
• Send real-time notifications about account activity
• Generate spending insights and financial reports
• Facilitate dual approval for large purchases

2.2 For Security and Compliance

• Verify your identity as required by banking regulations
• Detect and prevent fraud or unauthorized access
• Comply with legal obligations and regulatory requirements
• Monitor for suspicious activities to protect your account

2.3 To Improve Our Service

• Analyze usage patterns to enhance features
• Develop new tools based on user needs
• Provide customer support and resolve issues
• Send important updates about your account

3. How We Share Information

3.1 With Your Partner

As a joint account platform, both partners have equal access to all account information, including transactions, balances, and activity history.

3.2 With Service Providers

We work with trusted partners who help us provide our services:

• Banking Partner: Evolve Bank & Trust for account custody and FDIC insurance
• Card Network: Visa for debit card processing
• Cloud Services: AWS for secure data storage
• Analytics: Anonymous usage data for service improvement

3.3 We Never Sell Your Data

4. Data Security

We implement industry-standard security measures:

• 256-bit AES encryption for data at rest
• TLS 1.3 encryption for data in transit
• Multi-factor authentication options
• Regular security audits and penetration testing
• PCI DSS compliance for card data protection

5. Your Rights and Choices

5.1 Access and Correction

You can view and update your personal information anytime through the app settings.

5.2 Data Portability

Export your transaction history and account data in standard formats (CSV, PDF).

5.3 Account Deletion

You can request account closure at any time. We retain certain records as required by law.

5.4 Marketing Communications

Opt out of promotional emails anytime. We'll still send essential account notifications.

6. Data Retention

We retain your information for as long as necessary to:

• Provide our services while your account is active
• Comply with legal obligations (typically 7 years for financial records)
• Resolve disputes and enforce agreements
• Detect and prevent fraud

7. Children's Privacy

CouplesCash is not intended for users under 18. We do not knowingly collect information from children.

8. California Privacy Rights

California residents have additional rights under CCPA:

• Right to know what personal information we collect
• Right to delete personal information
• Right to opt-out of data sales (we don't sell data)
• Right to non-discrimination for exercising privacy rights

9. International Users

CouplesCash is currently available only in the United States. We do not intentionally collect data from users outside the US.

10. Changes to This Policy

We'll notify you via email and app notification before making material changes to this policy.

11. Contact Us

For privacy questions or concerns:

Privacy Team
CouplesCash Inc.
[email protected]
1-888-COUPLES

Data Protection Officer
[email protected]

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