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At Good Cents, we understand that your privacy is extremely important. Please read this Privacy Policy to learn more about how we handle your personal data. This Privacy Policy describes the specific policies and procedures we use to collect, utilize, disclose, share and protect your personal information. By using or accessing Good Cents’ Services in any manner, you acknowledge that you accept the practices and policies outlined below, and you hereby consent to our collection, use, and sharing of your information as described in this Privacy Policy.

Good Cents Inc. offers a subscription-based coaching service that includes 24/7 text-based money management coaching and advice, and a money management platform. Good Cents is not an investment advisor and does not offer investment management services or banking products.  Remember that your use of Good Cents’ Services is at all times subject to our Terms of Use, which incorporates this Privacy Policy. Any terms we use in this Privacy Policy without defining them have the definitions provided in the Terms of Use. If you have a disability, you may access this Privacy Policy in an alternative format by contacting help@goodcents.ai.

At Good Cents, our goal is to make money decisions simple. In order to provide our Services, we will collect certain information about you. Our intent is to collect only the information we need to best serve you. We will not sell, rent, or trade your personal information to third parties.

This Privacy Policy describes how we treat Personal Data that we gather when you access or use our Services. “Personal Data” means any information that identifies or relates to a particular individual and also includes information referred to as “personally identifiable information” or “personal information” under applicable data privacy laws, rules, or regulations. This Privacy Policy does not cover the practices of companies we do not own or control, or people we do not manage.

Types of Personal Data that we may collect or ask you to provide:
- First and last name
- Email address
- Birthdate
- Marital status
- Number and ages of children
- Password
- Payment data
- Billing address, phone number, and email
- Balances of financial accounts
- IP address
- Device ID
- Domain server
- Type of device/operating system/browser used to access the Services
- Web analytics
- Web page interactions
- Referring webpage/source through which you accessed the Services

We may collect Personal Data about you from the following categories of sources:
- When you provide such information directly to us.
- When you create an account or use our tools and Services.
- When you send us an email or otherwise contact us.
- When you use the Services and such information is collected automatically.
- Through Cookies (defined in the “Tracking Tools and Opt-Out” section below).
- If you use a location-enabled browser, we may receive information about your location and mobile device, as applicable.
- We may collect information on your use of our Site and Services, such as pages visited, links clicked, non-sensitive text entered, and mouse movements, as well as information more commonly collected such as the referring URL, browser, operating system, and IP address.
- We use vendors, such as OpenAI, to power portions of the Services, including AI Services as described further in our Terms of Use.

How we use Personal Data for our Commercial or Business Purposes
- Providing, Customizing, and Improving the Services to Best Meet Your Needs
o Creating and managing your account or other user profiles
o Processing orders or other transactions and billing
o Providing you with the products, services or information you request
o Meeting or fulfilling the reason you provided the information to us
o Providing support and assistance for the Services
o Improving the Services, including testing, research, internal analytics and product development
o Personalizing the Services, website content and communications based on your preferences
o Undertaking fraud protection, security, and debugging
o Carrying out other business purposes stated when collecting your Personal Data or as otherwise set forth in applicable data privacy laws, such as the California Consumer Privacy Act (the "CCPA")
- Marketing and Selling the Services
- Corresponding with You
o Responding to correspondence that we receive from you, contacting you when necessary or requested, and sending you information about Good Cents or the Services
o Sending emails and other communications according to your preferences or that display content that we think will interest you
- Meeting Legal Requirements and Enforcing Legal Terms
o Fulfilling our legal obligations under applicable law, regulation, court order or other legal process, such as preventing, detecting and investigating security incidents and potentially illegal or prohibited activities
o Protecting the rights, property or safety of you, Good Cents, or another party
o Enforcing any agreements with you
o Responding to claims that any posting or other content violates third-party rights
o Resolving disputes

We will not collect additional categories of Personal Data or use the Personal Data we collected for materially different, unrelated, or incompatible purposes without providing you notice.

How We Share Your Personal Data:
We disclose your Personal Data to the categories of service providers and other parties listed in this section. Depending on state laws that may be applicable to you, some of these disclosures may constitute a "sale" of your Personal Data. For more information, please refer to the state-specific sections below.

These parties include:
- Hosting, technology, and communication providers.
- Artificial Intelligence platforms (e.g., OpenAI) that power our AI Services.
- Our payment processing partners, which may include Stripe, Inc. ("Stripe"), the Apple Inc. App Store ("Apple"), or the Google Inc. Play Store ("Google"), may collect your voluntarily-provided payment card information necessary to process your payment for our Services. Please refer to Stripe, Apple, or Google's respective terms of service and privacy policy for information on their use and storage of your Personal Data.
- Non-affiliated third-party services providers, including to perform certain business and technology-related functions and to support the delivery of our services
- Parties you authorize, access, or authenticate

Legal Obligations:
We may share any Personal Data that we collect with third parties in conjunction with any of the activities set forth under "Meeting Legal Requirements and Enforcing Legal Terms" in the "Our Commercial or Business Purposes for Collecting Personal Data" section above.

Business Transfers:
All of your Personal Data that we collect may be transferred to a third party if we undergo a merger, acquisition, bankruptcy, or other transaction in which that third party assumes control of our business (in whole or in part). Should one of these events occur, we will make reasonable efforts to notify you before your information becomes subject to different privacy and security policies and practices.

Data that is Not Personal Data:
We may create aggregated, de-identified, or anonymized data from the Personal Data we collect, including by removing information that makes the data personally identifiable to a particular user. We may use such aggregated, de-identified, or anonymized data and share it with third parties for our lawful business purposes, including to analyze, build, and improve the Services and promote our business, but we will not share such data in a manner that could identify you.

Tracking Tools and Opt-Out:
Good Cents’ Services use cookies and similar technologies such as pixel tags, web beacons, clear GIFs, and JavaScript (collectively, "Cookies") to enable our servers to recognize your web browser, tell us how and when you visit and use our Services, analyze trends, learn about our user base, and operate and improve our Services. Cookies are small pieces of data – usually text files – placed on your computer, tablet, phone, or similar device when you use that device to access our Services. We may also supplement the information we collect from you with information received from third parties, including third parties that have placed their own Cookies on your device(s). Please note that because of our use of Cookies, the Services do not support "Do Not Track" requests sent from a browser at this time.

We use the following types of Cookies:
- Essential Cookies. Essential Cookies are required for providing you with features or services that you have requested. For example, certain Cookies enable you to log into secure areas of our Services. Disabling these Cookies may make certain features and services unavailable.
- Functional Cookies. Functional Cookies are used to record your choices and settings regarding our Services, maintain your preferences over time, and recognize you when you return to our Services. These Cookies help us to personalize our content for you, greet you by name, and remember your preferences.
- Performance/Analytical Cookies. Performance/Analytical Cookies allow us to understand how visitors use our Services. They do this by collecting information about the number of visitors to the Services, what pages visitors view on our Services and how long visitors are viewing pages on the Services. Performance/Analytical Cookies also help us measure the performance of our advertising campaigns in order to help us improve our campaigns and the Services' content for those who engage with our advertising.
- Retargeting/Advertising Cookies. Retargeting/Advertising Cookies collect data about your online activity and identify your interests. We may utilize retargeting/advertising cookies to advertise our Services to you on third party websites. We will not show you third party advertisements on our website(s).
- You can decide whether or not to accept Cookies through your internet browser's settings. Most browsers have an option for turning off the Cookie feature, which will prevent your browser from accepting new Cookies, as well as (depending on the sophistication of your browser software) allow you to decide on acceptance of each new Cookie in a variety of ways. You can also delete all Cookies that are already on your device. If you do this, however, you may have to manually adjust some preferences every time you visit our website and some of the Services and functionalities may not work.

Data Security and Retention:
We seek to protect your Personal Data from unauthorized access, use and disclosure using appropriate physical, technical, organizational and administrative security measures based on the type of Personal Data and how we are processing that data. You should also help protect your data by appropriately selecting and protecting your password and/or other sign-on mechanism; limiting access to your phone or computer or device and browser; and signing off after you have finished accessing your account. Although we work to protect the security of your account and other data that we hold in our records, please be aware that no method of transmitting data over the internet or storing data is completely secure.

We retain Personal Data about you for as long as you have an open account with us or as otherwise necessary to provide you with our Services. In some cases we retain Personal Data for longer, if doing so is necessary to comply with our legal obligations, resolve disputes or collect fees owed, or is otherwise permitted or required by applicable law, rule, or regulation. We may further retain information in an anonymous or aggregated form where that information would not identify you personally.

Personal Data of Children:
As noted in the Terms of Use, we do not knowingly collect or solicit Personal Data about children under 13 years of age; if you are a child under the age of 13, please do not attempt to register for or otherwise use the Services or send us any Personal Data. If we learn we have collected Personal Data from a child under 13 years of age, we will delete that information as quickly as possible. If you believe that a child under 13 years of age may have provided Personal Data to us, please contact us at help@goodcents.ai.

California Resident Rights:
If you are a California resident, you have the rights set forth in this section. Please see the “Exercising Your Rights” section below for instructions regarding how to exercise these rights. Please note that we may process Personal Data of our customers' end users or employees in connection with our provision of certain services to our customers. If we are processing your Personal Data as a service provider, you should contact the entity that collected your Personal Data in the first instance to address your rights with respect to such data.

If there are any conflicts between this section and any other provision of this Privacy Policy and you are a California resident, the portion that is more protective of Personal Data shall control to the extent of such conflict. If you have any questions about this section or whether any of the following rights apply to you, please contact us at help@goodcents.ai.

Access:
You have the right to request certain information about our collection and use of your Personal Data over the past 12 months.

Deletion:
You have the right to request that we delete the Personal Data that we have collected about you. Under the CCPA, this right is subject to certain exceptions: for example, we may need to retain your Personal Data to provide you with the Services or complete a transaction or other action you have requested. If your deletion request is subject to one of these exceptions, we may deny your deletion request.

Exercising Your Rights:
To exercise the rights described above, you or your Authorized Agent (defined below) must send us a request that (1) provides sufficient information to allow us to verify that you are the person about whom we have collected Personal Data, and (2) describes your request in sufficient detail to allow us to understand, evaluate and respond to it. Each request that meets both of these criteria will be considered a “Valid Request.” We may not respond to requests that do not meet these criteria. We will only use Personal Data provided in a Valid Request to verify your identity and complete your request. You do not need an account to submit a Valid Request.

We will work to respond to your Valid Request within 45 days of receipt. We will not charge you a fee for making a Valid Request unless your Valid Request(s) is excessive, repetitive or manifestly unfounded. If we determine that your Valid Request warrants a fee, we will notify you of the fee and explain that decision before completing your request. Email us at help@goodcents.ai.

Personal Data Sales Opt-Out and Opt-In:
We will not sell, rent, or trade your Personal Data. To our knowledge, we do not sell the Personal Data of minors under 16 years of age. We Will Not Discriminate Against You for Exercising Your Rights Under the CCPA. We will not discriminate against you for exercising your rights under the CCPA. We will not deny you our goods or services, charge you different prices or rates, or provide you a lower quality of goods and services if you exercise your rights under the CCPA. However, we may offer different tiers of our Services as allowed by applicable data privacy laws (including the CCPA) with varying prices, rates or levels of quality of the goods or services you receive related to the value of Personal Data that we receive from you.

Under California Civil Code Sections 1798.83-1798.84, California residents are entitled to contact us to prevent disclosure of Personal Data to third parties for such third parties' direct marketing purposes; in order to submit such a request, please contact us at help@goodcents.ai.

Nevada Resident Rights:
If you are a resident of Nevada, you have the right to opt-out of the sale of certain Personal Data to third parties who intend to license or sell that Personal Data. You can exercise this right by contacting us at help@goodcents.ai with the subject line "Nevada Do Not Sell Request" and providing us with your name and the email address associated with your account.

Changes to this Privacy Policy:
Good Cents is always working to improve its Services, so we may need to change this Privacy Policy from time to time, but we will alert you to any such changes by placing a notice on the Good Cents website, by sending you an email, and/or by some other means. Please note that if you haven't provided us with your email address, those legal notices will still govern your use of the Services, and you are still responsible for reading and understanding them. If you use the Services after any changes to the Privacy Policy have been posted, that means you agree to all of the changes. Use of information we collect is subject to the Privacy Policy in effect at the time such information is collected.

Contact Information:
If you have any questions or comments about this Privacy Policy, the ways in which we collect and use your Personal Data or your choices and rights regarding such collection and use, please do not hesitate to contact us at help@goodcents.ai.