Privacy Policy

Our Commitment to Your Privacy

At Personal4cast, we understand that your financial information is highly sensitive and personal. This Privacy Policy explains how we collect, use, protect, and share your information when you use our AI-powered financial forecasting service.

Information We Collect

Personal Information

• Email address (for account creation and communication)
• Name and contact information
• Account preferences and settings

Financial Information

• Bank account balances and transaction history (read-only access)
• Investment account information
• Income and expense data
• Financial goals and milestones you set

Usage Information

• How you interact with our service
• Device information and IP address
• Browser type and version
• Pages visited and time spent on our platform

How We Use Your Information

• Provide AI Forecasting: Generate personalized financial predictions and recommendations
• Improve Our Service: Enhance our AI models and user experience
• Customer Support: Respond to your questions and provide assistance
• Security: Detect and prevent fraud and unauthorized access
• Communication: Send service updates, security alerts, and optional marketing emails

Data Security

• Encryption: All data is encrypted in transit (TLS 1.3) and at rest (AES-256)
• Access Controls: Strict employee access controls and monitoring
• Third-Party Security: We use Plaid for bank connections, which is trusted by major banks
• Regular Audits: SOC 2 Type II compliance and regular security assessments
• No Stored Credentials: We never store your banking login credentials

Information Sharing

We do not sell your personal or financial information. We may share your information only in these limited circumstances:

• Service Providers: With trusted partners who help us operate our service (like Plaid for bank connections)
• Legal Requirements: When required by law or to protect our rights
• Business Transfers: In the event of a merger or acquisition (with continued privacy protections)
• With Your Consent: When you explicitly authorize us to share specific information

Your Rights and Choices

• Access: Request a copy of your personal information
• Correction: Update or correct your information
• Deletion: Request deletion of your account and data
• Data Portability: Export your data in a standard format
• Opt-Out: Unsubscribe from marketing communications
• Disconnect: Revoke access to your financial accounts at any time

Data Retention

We retain your information only as long as necessary to provide our service and as required by law. When you delete your account, we will delete your personal information within 30 days, except for anonymized data used to improve our AI models.

International Users

Personal4cast is based in the United States. If you are accessing our service from outside the US, your information will be transferred to and processed in the United States, where privacy laws may be different from your country.

Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of any material changes by email and by posting the updated policy on our website. Your continued use of our service after changes indicates your acceptance of the updated policy.

Contact Us

If you have questions about this Privacy Policy or our data practices, please contact us: