MoneyIQ PTE LTD Privacy Policy

Effective Date: 15th November 2024

Welcome to MoneyIQ PTE LTD (“we,” “us,” or “our”). Your privacy is important to us, and we are committed to protecting your personal data. This Privacy Policy explains how we collect, use, share, and protect your information when you use our financial dashboard, portfolio tracking tools, and custom financial news services.

1. Information We Collect

We collect different types of data, including:

1.1 Personal Information You Provide

When you sign up for MoneyIQ PTE LTD or interact with our services, we may collect:

• Full Name
• Email Address
• Account Preferences
• Financial Data (portfolio, assets, investments, and related financial details)
• Payment & Billing Information (e.g. credit/debit card tokens, billing address) – collected via Stripe for subscription upgrades and proration charges.

1.2 Automatically Collected Information

When you visit our site or use our services, we may automatically collect:

• IP Address
• Device and Browser Information
• Usage Data (pages visited, time spent, interactions with features)

2. How We Use Your Information

We process your information to:

• Provide and improve MoneyIQ PTE LTD’s financial tracking services.
• Send financial insights, news, and notifications related to your portfolio.
• Enhance user experience through personalized recommendations.
• Ensure compliance with legal and regulatory obligations.
• Protect against fraud and security threats.
• Process subscription upgrades, proration charges, and billing via Stripe.

3. Legal Basis for Processing Data (GDPR Compliance)

We process your data under the following legal bases:

• Consent: When you provide explicit consent (e.g., subscribing to emails, accepting cookies).
• Contract: Processing is necessary to provide our services.
• Legal Obligation: We may be required by law to process certain data.
• Legitimate Interest: We may process data for internal analytics and business improvements, provided it does not override your rights.

4. Your Rights Under GDPR, CCPA, and PDPA

You have the following rights regarding your data:

4.1 Right to Access

You can request a copy of your personal data stored with us.

4.2 Right to Correction

You can update or correct inaccuracies in your personal information.

4.3 Right to Deletion (Right to Be Forgotten)

You can request deletion of your data unless retention is required by law.

4.4 Right to Data Portability

You may request a structured, machine-readable copy (CSV/JSON) of your data.

4.5 Right to Opt-Out (CCPA for California Residents)

California residents can opt out of the sale or sharing of their personal data.

To exercise any of these rights, please contact us at support@money-iq.ai.

5. How We Protect Your Information

We implement the following security measures to protect your personal data:

• Data encryption (TLS 1.3 for transmission, AES-256 for stored data).
• Role-based access control (RBAC) for restricting unauthorized access.
• Secure password storage using bcrypt.
• Regular security audits and monitoring.
• We use Stripe for payment processing; all card data is handled in accordance with PCI DSS standards and never stored on our servers.

6. Third-Party Services & Data Transfers

We use third-party APIs to provide financial data and exchange rate updates:

• Yahoo Finance – Market data and stock pricing.
• Alpha Vantage – Real-time financial market data.
• ExchangeRate-API – Currency exchange rate conversion.
• Currents API – Financial news aggregation.
• Stripe, Inc. – Payment processing for subscriptions, upgrades, and proration billing. See Stripe’s Privacy Policy.

These third-party services comply with applicable data protection regulations, and by using our services, you acknowledge that your data may be transferred outside your country.

7. Data Retention Policy

We retain personal data as follows:

• User Account Data: Retained as long as your account is active.
• Financial Transaction History: Retained for 5 years (legal requirement).
• Marketing Preferences: Stored until you opt out.
• Analytics Data: Stored for 1 year.
• Billing & Transaction Records: Retained for 7 years to comply with financial regulations and support any proration disputes.

Once the retention period expires, data is securely deleted or anonymized.

8. Data Breach Notification

In the event of a data breach, we will notify affected users and relevant authorities within 72 hours, as required by law.

9. Cookies & Tracking Technologies

We use cookies to enhance user experience and analyze website usage. For full details, please review our Cookie Policy.

10. Changes to This Policy

We may update this privacy policy periodically. Please check this page regularly for updates.

If you have any questions or concerns, contact us at support@money-iq.ai.

11. Business Customers & Data Processing Agreement

If you are a business customer using MoneyIQ PTE LTD’s services and require a Data Processing Agreement (DPA) under GDPR or other applicable regulations, please review our Data Processing Agreement.