Privacy Policy

1. Introduction

Money Club Ai ("we", "us", or "our") provides AI-driven risk management and decision-support tools for individual investors and small-scale treasuries. We are committed to protecting the privacy of visitors to our website and users of our services. This Privacy Policy describes the types of information we may collect from you or that you may provide when you visit our website or interact with our services, and our practices for collecting, using, maintaining, protecting, and disclosing that information.

By accessing or using our website and services, you agree to this Privacy Policy. If you do not agree with the terms of this policy, please do not access or use our website.

2. Information We Collect

We may collect several types of information from and about users of our website and services, including:

• Identity and Contact Data: such as your name, email address, phone number, and company or organization name, when you submit a form, register for an account, or contact us directly.
• Account and Usage Data: information about how you access and use our website and services, including pages viewed, features used, time spent, and interaction patterns.
• Technical Data: internet protocol (IP) address, browser type and version, device identifiers, operating system, time zone setting, and other technology identifiers on the devices you use to access our website.
• Financial or Portfolio Information: where you voluntarily provide data related to your investment or treasury activities for the purpose of using our risk management and decision-support tools.
• Marketing and Communications Data: your preferences in receiving marketing communications from us and your communication preferences.

3. How We Collect Information

We use different methods to collect information, including:

• Direct interactions: information you provide when filling in forms, creating an account, requesting information, or corresponding with us by email, phone, or otherwise.
• Automated technologies: as you interact with our website, we may automatically collect technical data about your equipment, browsing actions, and patterns using cookies, server logs, and similar technologies.
• Third parties: we may receive information about you from third parties, such as analytics providers or publicly available sources, where permitted by applicable law.

4. How We Use Your Information

We use information held about you in the following ways:

• To provide, operate, and maintain our website and services.
• To respond to inquiries, fulfill requests, and provide customer support.
• To personalize and improve your experience with our risk management and decision-support tools.
• To send administrative information, including updates to our terms, conditions, and policies.
• To send marketing communications, where you have consented to receive them, and to manage your preferences.
• To monitor usage of our website and services and to detect, prevent, and address technical issues or fraudulent activity.
• To comply with legal obligations and to protect the rights, property, and safety of Money Club Ai, our users, and others.

5. Legal Basis for Processing

Where applicable law requires a legal basis for processing personal data, we rely on one or more of the following: your consent, the necessity of processing to perform a contract with you, compliance with a legal obligation, or our legitimate interests in operating and improving our business, provided those interests are not overridden by your data protection rights.

6. Cookies and Tracking Technologies

Our website may use cookies and similar tracking technologies to distinguish you from other users, remember your preferences, and improve your experience. Cookies are small data files placed on your device. You can set your browser to refuse all or some browser cookies, or to alert you when websites set or access cookies. If you disable or refuse cookies, some parts of our website may become inaccessible or not function properly.

7. Disclosure of Your Information

We may share your personal information with:

• Service providers and vendors who perform functions on our behalf, such as hosting, analytics, and customer support, subject to confidentiality obligations.
• Professional advisers, including lawyers, auditors, and insurers, where necessary.
• Regulators and other authorities, where required to comply with legal obligations.
• A potential buyer or successor in the event of a merger, acquisition, reorganization, or sale of assets.

We do not sell your personal information to third parties.

8. Data Security

We have implemented appropriate technical and organizational measures designed to protect the security of any personal information we process. However, no method of transmission over the internet or electronic storage is completely secure, and we cannot guarantee absolute security.

9. Data Retention

We retain personal information only for as long as necessary to fulfill the purposes for which it was collected, including for the purposes of satisfying any legal, accounting, or reporting requirements. When your personal information is no longer required, we will securely delete or anonymize it.

10. International Data Transfers

Your information may be stored and processed in any country where we or our service providers maintain facilities. Where we transfer personal information across borders, we take steps designed to ensure that it receives an adequate level of protection, consistent with applicable law.

11. Your Rights

Depending on your jurisdiction, you may have certain rights regarding your personal information, which may include the right to:

• Request access to the personal information we hold about you.
• Request correction of inaccurate or incomplete information.
• Request erasure of your personal information, subject to certain exceptions.
• Object to or restrict certain processing of your personal information.
• Request portability of your personal information.
• Withdraw consent at any time, where processing is based on consent.
• Lodge a complaint with a supervisory authority.

To exercise any of these rights, please contact us using the details provided on our Contact page.

12. Children's Privacy

Our website and services are not directed to individuals under the age of 18. We do not knowingly collect personal information from children. If we become aware that we have inadvertently collected personal information from a child, we will take steps to delete such information.

13. Third-Party Links

Our website may contain links to third-party websites and services. This Privacy Policy does not apply to those third-party sites, and we are not responsible for their privacy practices. We encourage you to review the privacy policies of any third-party sites you visit.

14. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or for other operational, legal, or regulatory reasons. We will post any updates on this page and, where appropriate, notify you through our website or other communication channels.

15. Contact Us

If you have any questions about this Privacy Policy or our data practices, please get in touch via the details provided on our Contact page.