Privacy Policy MyM

At Master Your Money app, we are committed to protecting your privacy and ensuring the security of your personal information. This Privacy Policy outlines how we collect, use, and safeguard the data you provide to us through our mobile application, in compliance with the General Data Protection Regulation (GDPR) and the California Consumer Privacy Act (CCPA).

Information We Collect

We collect personal information that you provide directly to us. This may include: 

    • Personal Information: This may include your name, email address, phone number, and any other personally identifiable information you provide when registering for an account or using certain features of the App.

    • Financial Data: This may include your bank account information, investment account information, transaction history, types of investments, and other financial data you provide to connect your financial accounts to the App or use features that require access to your financial information.

    • Preferences and investment style: we may ask about your investment preferences and investment style, your risk tolerance, time horizon, financial needs, investment objectives and experiences.

    • Usage Data: We may collect information about how you use the App, such as the features you access, the pages you visit, and the time you spend on the App. This data may be collected automatically through the use of cookies and other tracking technologies.

    • Device Information: We may collect information about your device, such as your device type, operating system, unique device identifier, and IP address. 

Information We may Collect From You Automatically

    • Online Identifiers: operating system, browser name and version, and/or personal IP addresses.

    • Device Information: type of device, device ID, Universally Unique Identifier, advertising identifiers (“IDFA” or “AdID”), operating system and version, wireless carrier, and network type.

    • Analytics tools: We may use third-party analytics tools and services (for example Google Analytics, and others), and use the information to evaluate use of the Master Your Money app.

How We Use Your Information

We use the app data we collect for the following purposes:

    • To provide, operate the App and improve our services: We use your information to process transactions, and deliver personalized services within our App including  suggestions and recommendations about trade, personal budgeting, saving money techniques, or other financial products

    • To communicate with you: We may send you important updates, notifications, and promotional offers related to our services.

    • To comply with legal and regulatory requirements.

    • To enhance security to protect your financial data 

    • To improve our services: We use your information to process transactions and deliver personalized experiences

Data Protection

Your personal information is contained behind secured networks and is only accessible by a limited number of persons who have special access rights to such systems, and are required to keep the information confidential. We implement a variety of security measures to maintain the safety of your personal information. 

Data Retention

We will retain your personal information for as long as necessary to fulfill the purposes we collected it for, including for the purposes of satisfying any legal, accounting, or reporting requirements.

Data Sharing and Disclosure

To keep our app running smoothly, we share some of your information with trusted partners who help us operate the app. These partners are required by contract to keep your information confidential and secure.  To help us improve our financial services and understand overall user trends, we may share anonymized or combined user data with trusted financial institutions. This data will never be used to identify you personally. Your information will be shared with these institutions in accordance with their privacy policies. Your financial data will never be sold or shared for marketing purposes without your explicit permission. In certain situations, we may be required by law to share your information. This could be in response to a court order or a government request. If our company undergoes a major change, like a merger or acquisition, your information may be transferred to the new owner. We’ll always strive to notify you in advance and ensure your information is protected.

Your Rights

If you are located in the European Economic Area (EEA), you have certain rights under the General Data Protection Regulation (GDPR) regarding your personal information:

    • Right to Access: You have the right to request a copy of the personal information we hold about you. This includes information such as your name, email address, and any financial data you have provided.

    • Right to Rectification: You have the right to request that we correct any inaccurate or incomplete personal information we hold about you.

    • Right to Erasure (Right to be Forgotten): You have the right to request that we delete your personal information, subject to certain exceptions. This may not apply if the data is necessary to fulfill a legal obligation or for the exercise or defense of legal claims.

    • Right to Restrict Processing: You have the right to restrict the processing of your personal information. This means you can limit the way we use your data, such as for marketing purposes.

    • Right to Data Portability: You have the right to request to receive your personal information in a structured, commonly used, and machine-readable format. You can also request that we transmit this data to another controller if feasible.

    • Right to Object: You can object to the processing of your personal information for marketing purposes or based on legitimate interests.

If you are a resident of California, you also have certain rights under the California Consumer Privacy Act (CCPA) regarding your personal information.

    • The right to know: You have the right to request disclosure of the categories and specific pieces of personal information we collect, use, and disclose about you.

    • The right to deletion: You have the right to request that we delete your personal information, subject to certain exceptions.

    • The right to opt-out of sale of personal information: We do not sell your personal information as defined by the CCPA. However, we do use some third-party service providers that may qualify as “service providers” under the CCPA. These service providers may use your information for their own business purposes, which may be considered a “sale” under the CCPA. You can still exercise your right to opt-out of this by following the instructions below.

How to Exercise Your GDPR / CCPA Rights

You can exercise your rights described above by submitting a request through one of the following methods:

We will verify your request and respond within 45 days of receipt. We may request additional information for verification purposes.

Security

Your information security is important to us. We use industry-standard security practices like encryption and access controls to safeguard your data from unauthorized access, disclosure, alteration, or destruction. It’s important to know that even with these measures, no online system is 100% secure. We are constantly working to improve our security and keep your information protected.

Changes to This Policy

We strive to be transparent about our data practices. This Privacy Policy may be updated from time to time to reflect changes in our app, user feedback, or legal requirements. We encourage you to review this policy periodically for any updates.

Children’s Privacy

This app is designed for users 16 and older. We don’t knowingly collect information from anyone younger than that. If you’re a parent or guardian and believe your child has given us personal information, please let us know. We’ll take steps to remove that information from our systems.

Contact Us

If you have any questions about this Privacy Policy, please contact us at contact@masteryourmoneysmart.com

By using Master Your Money App, you consent to our Privacy Policy. This Privacy Policy explains how we handle your information. If you have concerns, please review it carefully. We value your privacy and choice. If you don’t agree to this policy, you can choose not to use our app. We may update this policy, and by continuing to use the app after those changes are posted, you agree to the updates.