Privacy Policy for Cashey

At JUMA APPS LLC (“we,” “us,” or “our”), we are committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use Cashey (the “App”), a personal finance tracking tool with AI chatbot interaction. This policy applies to users worldwide, and we strive to comply with applicable privacy laws, including the California Consumer Privacy Act (CCPA) and the General Data Protection Regulation (GDPR) where relevant. For questions or to exercise your rights, contact us at [email protected].

1. Information We Collect

We collect the following types of information when you use Cashey:

• Personal Information:
  • Name and Email: Collected when you log in via Google or Apple.
• Financial Data:
  • Information you provide via chat, uploads, or imports, including incomes, expenses, recurring transactions, financial goals, bank account details, credit card information, and receipt images.
• Usage Data:
  • Information about how you interact with the App, such as AI queries, feature usage, and device information (e.g., IP address, device type, operating system).

2. How We Use Your Information

We use your information to provide and enhance Cashey’s functionality, including:

• Recording and tracking your financial data as entered via chat, uploads, or imports.
• Generating AI-driven insights and responses based on your data.
• Sending daily notifications about commitments and financial analysis.
• Auto-categorizing transactions and managing your accounts and goals.
• Processing receipt images and imported files (e.g., CSV, OFX, TXT).
• Improving the App’s performance and user experience.
• Analyzing usage trends with anonymized data to enhance our services.

We do not use your data to provide financial advice or services. All AI-generated outputs are for informational purposes only, and you are solely responsible for any decisions based on them.

3. How We Share Your Information

We may share your information with the following third parties:

• Service Providers:
  • OpenAI and Grok API: To power AI chatbot functionality, they receive only the data necessary to process your queries and provide responses. We request that your data be anonymized if used for their model training.
  • Firebase: For data storage and app functionality, receiving only the data required to operate the App.
  • Google Play and App Store: To process payments and authenticate your account, they receive payment and login-related data.
• Analytics and Advertising Partners:
  • Google Analytics: To analyze app usage and performance with anonymized data.
  • Meta Ads, TikTok Ads, Google Ads, X Ads: To track ad performance and user acquisition (e.g., purchases, usage metrics) when you opt in to tracking (e.g., on iOS via App Tracking Transparency). Data shared is limited to anonymized or aggregated identifiers and does not include your financial details.
• Legal Requirements: We may disclose your information if required by law, regulation, or legal process (e.g., subpoena) or to protect our rights, safety, or property.

We do not sell your personal or financial data to third parties.

4. Data Storage and Transfers

Your data is stored on servers located in the United States and Europe, depending on the service provider (e.g., Firebase). As Cashey is available globally, your information may be transferred to and processed in countries outside your region, including the US and EU. We ensure these transfers comply with applicable data protection laws, such as GDPR for European users.

5. Data Security

We implement reasonable security measures to protect your information, including:

• Encrypting data in transit and at rest.
• Using access controls, regular audits, and periodic technical reviews on our servers.

Despite these measures, no system is fully secure, and we cannot guarantee absolute protection. You use Cashey at your own risk.

6. Data Retention

We retain your data indefinitely as long as your account is active. Upon termination, we retain your data unless you request its deletion by contacting us at [email protected]. Once requested, we will delete your data within a reasonable timeframe, except where required by law to retain it.

7. Your Rights and Choices

You have the following rights regarding your data:

• Access and Edit: View and modify your financial data within the App interface.
• Account Deletion: Request account deletion via the App’s settings or by emailing [email protected] at any time.
• Data Deletion: Request the deletion of your data by contacting us at [email protected]. We will comply within a reasonable period, subject to legal obligations.
• Tracking Opt-Out: On iOS, you can opt out of ad tracking via your device settings. We respect your preferences as required by applicable law.

For EU residents under GDPR, you may also have rights to access, rectify, restrict, or port your data, and object to processing. Contact us to exercise these rights.

8. Third-Party Services

Cashey integrates with third-party services, each governed by their own privacy policies. We encourage you to review them:

• OpenAI Privacy Policy
• Firebase Privacy Policy
• Google Privacy Policy (includes Analytics and Ads)
• Apple Privacy Policy
• Meta Privacy Policy
• TikTok Privacy Policy
• X Privacy Policy

9. Children’s Privacy

Cashey is intended for users 18 and older and is not directed at children under 13. We do not knowingly collect data from children. If we learn such data has been collected, we will delete it promptly.

10. Changes to This Privacy Policy

We may update this Privacy Policy periodically. Significant changes will be communicated via the App or email. Continued use of Cashey after changes indicates your acceptance of the updated policy.

11. Contact Us

For questions, privacy concerns, or to exercise your rights, contact us at:

JUMA APPS LLC
30 North Gould Street, STE N
Sheridan, WY 82801, US
[email protected]