Privacy Policy

We collect the following information when you use PoisePlan:

Information You Provide

• Account information (name, email, password)
• Profile information (age, location, household, career stage)
• Financial information (income, expenses, debts, savings balances)
• Goals and lifestyle information
• Interactions with the Coach feature
• Payment information (processed by Stripe)

Information Collected Automatically

• Device and browser information
• IP address and approximate location
• Usage data and analytics
• Login history

We use your information to:

• Provide and improve the Service
• Generate personalized educational insights and projections
• Communicate with you about your account and the Service
• Process subscription payments
• Detect and prevent fraud
• Comply with legal obligations

We do not sell your personal information. We share information only as follows:

• With service providers who help us operate the Service (e.g., hosting, analytics, payment processing)
• With your explicit consent
• To comply with legal obligations or respond to lawful requests
• To protect our rights and the safety of our users

[ATTORNEY: Add specific service provider categories. Add CCPA-required "categories of personal information sold or shared" section (even if none).]

When you interact with the Coach feature, your messages and the contextual financial data are processed by third-party AI services (Anthropic). These interactions are subject to the AI provider's privacy practices.

We retain Coach interactions for service improvement, audit, and compliance purposes.

[ATTORNEY: Reasonable security practices statement. Avoid promising specific security guarantees.]

[ATTORNEY: Specific retention periods by data type. Account data retained while account active, deleted X days after account deletion request. Audit logs retained per regulatory requirements.]

Depending on your location, you may have the following rights:

• Access your personal information
• Correct inaccurate information
• Request deletion of your account and data
• Export your data
• Opt out of certain processing (depending on jurisdiction)
• Lodge a complaint with a supervisory authority

To exercise these rights, contact: privacy@poiseplan.com

[ATTORNEY: Add jurisdiction-specific rights (CCPA, GDPR, etc.).]

[ATTORNEY: CCPA-specific disclosure including categories of information collected, purposes, sources, disclosures, and your specific California rights including right to know, delete, correct, opt-out of sale/sharing.]

PoisePlan is not directed to children under 18. We do not knowingly collect information from children. If we become aware that we have collected information from a child, we will delete it.

We may update this Privacy Policy from time to time. When we do, we will update the version number and effective date, and notify you of material changes.

For questions about this Privacy Policy, contact: privacy@poiseplan.com