Privacy Policy

Financial Information

• Expense data you categorize as "Living" vs "Lifestyle" expenses through our My Financial Decisions tool
• Emergency fund and financial planning data
• Self-reported financial behaviors and patterns

Emotional and Psychological Data

• IFS dialogue responses identifying your financial "firefighter" parts
• Self-compassion practice data and calm scores
• Emotional responses and coping mechanisms related to financial stress
• Trauma-informed coaching session data
• Panic button usage and grounding exercise participation
• Self-critical statement tracking over time

Technical Information

• Device information and browser type
• Usage patterns and interaction data with our AI tools
• Session duration and feature usage analytics
• Error logs and performance data

Analytics and Usage Data

• Anonymized user journey patterns and navigation flows (only when actively engaging with onboarding)
• Feature usage statistics (e.g., assessment type preferences, completion rates)
• Session duration and interaction timing (aggregated and anonymized)
• Temporary session identifiers for tracking complete user journeys (not linked to personal information)

Primary Purposes

• Provide personalized AI-driven financial therapy and coaching
• Generate insights about your financial "firefighter" parts using IFS methodology
• Track your emotional and financial wellness progress
• Deliver compassionate, trauma-informed financial guidance
• Customize self-compassion prompts and mindfulness exercises

AI Processing

• Our AI analyzes your input to provide personalized coaching responses
• Pattern recognition to identify financial behaviors and emotional triggers
• Generate supportive messaging aligned with your emotional state
• Assess communication strategies based on your personality type

Analytics and User Experience Improvement

• Analyze anonymized usage patterns to identify areas where users might struggle or succeed in our onboarding process
• Optimize the user interface and experience to be more intuitive and trauma-informed
• Understand which features are most valuable for users' financial wellness journey
• Ensure our application design remains accessible and non-triggering for all users

What We Track

• User Journey Patterns: How users navigate through our onboarding process (button clicks, page transitions, feature usage)
• Feature Engagement: Which assessment types users prefer (quick discovery vs. deep assessment)
• Completion Rates: Where users might struggle or succeed in our onboarding flow
• Session Duration: Time spent on different parts of the application (anonymized and aggregated)

What We DO NOT Track

• Personal Content: We never track your journal entries, assessment responses, or personal financial details
• Individual Behavior: All analytics are aggregated and anonymized - we analyze patterns, not individuals
• Personal Identifiers: We use temporary session IDs, not personal information, to track user journeys
• Sensitive Financial Data: Only general category information (e.g., "living expenses") is tracked, never specific amounts or descriptions

How We Use Analytics

• Improve User Experience: Identify where users might get stuck or confused in our onboarding process
• Feature Development: Understand which features are most helpful for users' financial wellness journey
• Optimize Flow: Make the onboarding experience more intuitive and less overwhelming
• Trauma-Informed Design: Ensure our application feels safe and non-triggering for all users

Your Control Over Analytics

Third-Party Analytics

• Google Analytics 4: We use GA4 for anonymized usage analytics with enhanced privacy settings enabled
• Data Processing: All analytics data is processed in accordance with GDPR and privacy-first principles
• Data Retention: Analytics data is automatically deleted according to our retention policies and your privacy preferences

Technical Safeguards

• End-to-end encryption for all data transmission
• Encrypted storage of all personal information
• Regular security vulnerability assessments
• Multi-factor authentication for account access
• Secure cloud infrastructure with industry-standard protections

Access Controls

• Strict employee access controls on a need-to-know basis
• Regular access reviews and audit trails
• Confidentiality agreements for all staff members
• Specialized training on handling sensitive psychological data

Access and Control

• View all data we have collected about you
• Download your data in a portable format
• Correct inaccurate information
• Delete specific data entries or your entire account
• Opt out of certain data processing activities

Panic Mode Protection

• Instant data hiding capabilities through our "Red-Dot Panic" feature
• Immediate access to grounding exercises without data retention
• Option to pause all data collection during emotional distress