privacy policy

InGeniuZ Privacy Policy

Effective Date: March 1, 2025

InGeniuZAI (“InGeniuZ,” “we,” “us,” or “our”) respects your privacy and is committed to protecting the personal information you share with us. This Privacy Policy explains how we collect, use, share, and protect your information when you use our mobile application (the “App”) and related services.

1. Information We Collect

We collect the following types of information:

A. Information You Provide:

Contact details (e.g., name, email address, mobile number)
Account registration info (e.g., username, password)
Feedback and correspondence

B. Financial Information (via Plaid):

Linked bank account and transaction data provided through Plaid

C. Automatically Collected Information:

Device information (e.g., IP address, browser type, device identifiers)
Usage data (e.g., app activity, crash reports, feature usage)

D. Optional User Inputs:

Spending preferences, financial goals, budgeting information

2. How We Use Your Information

We use your information to:

Provide and personalize your experience with the App
Analyze and improve the App’s performance and functionality
Communicate with you (e.g., send updates or request feedback)
Enforce our terms and detect or prevent fraud and misuse
Comply with legal obligations

3. Sharing Your Information

We do not sell your personal data. We only share your information with:

Plaid, Inc.: For linking your financial accounts. Use of your financial data is governed by Plaid’s Privacy Policy at https://plaid.com/legal
Service Providers: Who help us operate our App and services (e.g., cloud storage, analytics)
Legal and Regulatory Authorities: If required by law or necessary to protect rights and safety
With Your Consent: If you direct us to share your data with third parties

4. Your Choices

Account Information: You may update or correct your account information at any time through the App.
Data Access and Deletion: You may request access to or deletion of your personal data by contacting us at info@ingeniuz.ai.

5. Data Retention

We retain your information only as long as necessary for the purposes described in this policy, unless a longer retention period is required by law.

6. Security

We use reasonable administrative, technical, and physical safeguards to protect your data. However, no system is 100% secure, and we cannot guarantee the security of your information.

7. Children’s Privacy

The App is not directed to individuals under the age of 18. We do not knowingly collect personal information from children under 18.

8. Third-Party Links

Our App may contain links to third-party websites or services. We are not responsible for their privacy practices. Please review their privacy policies before providing them with your information.

9. Changes to This Policy

We may update this Privacy Policy from time to time. If we make material changes, we will notify you via the App or by other means. Continued use of the App after such changes constitutes your acceptance of the updated policy.

10. Contact Us

If you have any questions about this Privacy Policy or our data practices, please contact us: Email: info@ingeniuz.ai

Thank you for trusting InGeniuZ with your financial journey.

Thank You!