Privacy Statement

1. Introduction

Welcome to illumin. Your privacy is important to us, and we are committed to protecting the personal information you share with us. This Privacy Statement explains how we collect, use, store, and disclose your information when you use our platform.

2. Information We Collect

• Personal Information: Name, email address, phone number, and other identifying details you provide.
• Financial Information: Transaction data from the accounts you connect via Plaid, including name, amount, category, date and time of purchase.
• Usage Data: Information about how you use our platform, including interactions with our chat and dashboard features.

3. How We Use Your Information

• Provide and personalize our services.
• Offer insights and recommendations on your financial habits.
• Communicate with you via text messages and other notifications.
• Improve our platform based on usage trends and feedback.
• Ensure security and prevent fraud.

4. How We Share Your Information

We do not sell your personal information. However, we may share data in the following cases:

• With Your Consent: When you explicitly agree to share information with third parties.
• Service Providers: We work with third-party providers to help operate and improve illumin (e.g., cloud storage, analytics tools).
• Legal Compliance: If required by law, court order, or government request.
• Business Transfers: In the case of a merger, acquisition, or sale of assets, your information may be transferred to the new entity.

5. Data Security

We take appropriate technical and organizational measures to protect your information from unauthorized access, disclosure, alteration, or destruction. However, no method of data transmission is 100% secure, and we cannot guarantee absolute security.

6. Your Rights and Choices

Depending on your location, you may have rights to:

• Access, update, or delete your personal information.
• Opt-out of texting and marketing communications.
• Restrict or object to certain data processing activities.
• Request a copy of your data in a portable format.

To exercise any of these rights, contact us at jjasappdev@gmail.com.

7. Data Retention

We retain your information for as long as necessary to provide our services and comply with legal obligations. If you request deletion, we will remove your data unless retention is required by law.

8. Children's Privacy

illumin is not intended for individuals under 18. We do not knowingly collect personal data from minors. If we learn that we have, we will take steps to delete it.

9. Contact Us

If you have any questions or concerns about this Privacy Statement or our data practices, please contact us at jjasappdev@gmail.com.