Privacy Policy

1. Introduction

MoneyPilot ("we," "our," or "us") operates the MoneyPilot website(s) and web application (the "Service"). This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use the Service.

If you do not agree with this Privacy Policy, do not use the Service.

2. Information We Collect

We collect information in three main ways: (a) information you provide, (b) information collected automatically, and (c) information from service providers.

A. Information you provide directly

• Account information: email address, name (if provided), login credentials (stored as a secure hash, not plain text).
• Subscription and billing information: plan selection, billing status, and transaction identifiers. Payments are processed by a third-party payment processor (for example, OpenPay). We do not store your full card number.
• Claim-related information (if you choose to use claim features): information you submit to track, prepare, or assist with claims, which may include your name, mailing address, phone number, purchase details, and documents you upload (such as receipts or claim PDFs).
• Support communications: messages you send to us (email or in-app), and any information you choose to include.

B. Information collected automatically

• Device and usage data: IP address, browser type, device identifiers, operating system, referring URLs, pages viewed, actions taken, and timestamps.
• Cookies and similar technologies: used for login/session, security, and analytics.

C. Information from service providers

• Payment processor data: limited billing metadata such as payment status, subscription status, and transaction IDs.
• Analytics and performance tools: event data about how users interact with the Service (for example, feature usage and performance metrics).

3. How We Use Your Information

We use the information we collect to:

• Provide, operate, and maintain the Service.
• Create and manage your account and authenticate access.
• Process subscriptions, billing, and payment-related activity through our payment processor.
• Provide claim-related features you choose to use (such as tracking, organizing documents, or preparing information).
• Communicate with you about your account, billing, product updates, and support requests.
• Improve and optimize the Service, including debugging and performance monitoring.
• Detect, prevent, and investigate fraud, abuse, and security incidents.
• Enforce our Terms of Service and comply with legal obligations.

4. How We Share Information

We do not sell your personal information in the traditional sense (for money). We may share information only as described below:

A. Service providers

We may share information with trusted vendors who help us run the Service, such as:

• Payment processors (for billing and subscription management)
• Hosting and database providers
• Analytics and error monitoring providers
• Customer support tooling

These providers are permitted to use your information only to perform services for us.

B. Claim submissions and third parties you choose

If you choose to submit a claim or send documents to a settlement administrator or another third party through workflows you initiate, we may share the information you provide as necessary to carry out your request. The third party's use of your data is governed by their own policies and instructions.

C. Legal and safety

We may disclose information if we believe it is necessary to:

• Comply with laws, regulations, subpoenas, or lawful requests
• Protect the rights, property, and safety of MoneyPilot, our users, or others
• Investigate fraud or security issues

D. Business transfers

If we are involved in a merger, acquisition, financing, reorganization, bankruptcy, or sale of assets, information may be transferred as part of that transaction.

E. Aggregated or de-identified data

We may share data that has been aggregated or de-identified so it cannot reasonably be used to identify you.

5. Cookies and Tracking Technologies

We use cookies and similar technologies to:

• Keep you signed in and maintain sessions
• Protect against fraud and abuse
• Understand usage and improve the Service

You can control cookies through your browser settings. Some features may not work properly if cookies are disabled.

6. Data Security

We implement technical and organizational measures designed to protect your information. However, no method of transmission or storage is 100% secure, and we cannot guarantee absolute security.

You are responsible for keeping your login credentials confidential.

7. Data Retention

We retain personal information only as long as necessary to:

• Provide the Service and maintain your account
• Meet legal, accounting, or reporting obligations
• Resolve disputes and enforce agreements
• Maintain security and prevent fraud

If you request deletion, we will delete or anonymize your personal information unless we are legally permitted or required to retain certain information.

8. Your Privacy Rights

Depending on where you live, you may have rights regarding your personal information, including:

• Access: request a copy of the personal information we hold about you
• Correction: request correction of inaccurate information
• Deletion: request deletion of your personal information, subject to exceptions
• Opt-out: opt out of certain "sale" or "sharing" as defined by applicable laws
• Non-discrimination: you will not be discriminated against for exercising privacy rights

To exercise your rights: email support@moneypilot.com from the email address associated with your account. We may need to verify your identity before completing your request.

9. California and Other State Privacy Disclosures (CCPA/CPRA and similar laws)

If you are a resident of California or certain other U.S. states, you may have additional rights, including the right to know categories of personal information collected, the right to delete, the right to correct, and the right to opt out of "sale" or "sharing" as defined by law.

MoneyPilot does not knowingly sell personal information for money. If applicable law defines certain analytics-related disclosures as "sharing," you can request opt-out by contacting support@moneypilot.com.

10. International Users

If you access the Service from outside the United States, your information may be processed and stored in countries where data protection laws may differ from those in your jurisdiction.

11. Children's Privacy

The Service is not intended for individuals under 18, and we do not knowingly collect personal information from children.

12. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. We will post the updated version and update the "Last Updated" date. Your continued use of the Service after changes means you accept the updated policy.

13. Contact Us

For questions about this Privacy Policy or to exercise privacy rights:

support@moneypilot.com