Privacy Policy

MoCo — Money with Confidence, operated by Financial Step Up, LLC ("MoCo," "we," "us," or "our") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our mobile application.

1. Information We Collect

Personal Information:

• Name and email address (provided during registration)
• Account credentials
• Profile Photo
• Payment information (processed securely through Stripe)

Financial Information:

• Income data you enter
• Budget categories and spending amounts
• Credit card balance, limits and payment information you choose to track
• Goals and progress
• Expense records and receipt photos

Usage Information:

• App usage patterns and feature interactions
• Device information (type, operating system)
• Log data and analytics

Communication:

• Inquiries and feedback

Other Information that may be Collected:

• Device information: Type, operating system, unique device identifiers, and mobile network
• Usage Data: App features used, time spent, interactions and navigation patterns
• Location Data: Approximate location (with your permission)
• Camera and Photos: Allow you to upload profile photo and other photos (with your permission)
• Log Data: IP address, access times, error logs, and other diagnostic data

2. How We Use Your Information

We use your information to:

• Provide and maintain the MoCo service
• Process payments and transactions
• Personalize your experience and financial recommendations
• Send you service-related communications
• Improve our app and develop new features
• Ensure the security of your account
• Comply with legal obligations

3. AI-Powered Features

The Ask MoCo feature uses artificial intelligence to provide financial information and recommendations. When you use this feature, your financial data may be processed by our AI systems to generate personalized responses. All AI responses are for educational and informational purposes only and do not constitute financial advice.

4. Data Storage and Security

Your financial data is stored locally on your device using encrypted storage. We implement industry-standard security measures to protect your information. However, no method of electronic storage is 100% secure, and we cannot guarantee absolute security.

5. Third-Party Services

We use the following third-party services:

• Stripe — for payment processing. Stripe's privacy policy governs their handling of your payment data.
• AI Services — for powering the Ask MoCo feature. Financial data shared with AI services is used solely for generating responses.

6. Data Sharing

We do not sell, trade, or rent your personal information to third parties. We may share your information only:

• With service providers who assist in operating our app (subject to confidentiality agreements)
• When required by law or legal process
• Cloud hosting and data storage
• Payment processing
• Analytics and performance monitoring
• Customer support tools
• Email and notification services
• AI services for Ask MoCo feature
• To protect our rights, privacy, safety, or property
• In connection with a merger, acquisition, or sale of assets (with notice to you)

7. Your Rights

You have the right to:

• Access your personal information
• Correct inaccurate information
• Delete your account and associated data
• Export your data (if available)
• Opt out of non-essential communications

To exercise these rights, contact us at support@trymoco.com.

8. Data Retention

We retain your data for as long as your account is active or as needed to provide services. After account deletion, we may retain certain information for:

• Legal compliance and record-keeping requirements
• Dispute resolution and enforcement of agreements
• Fraud prevention and security purposes

9. Children's Privacy

MoCo is not intended for users under 18 years of age. We do not knowingly collect information from children under 18. If we become aware that we have collected information from someone under 18, we will delete it immediately.

10. Camera and Photo Library Access

We request access to your device camera and photo library to enable you to:

• Take and upload profile, vision board, and receipt photos

11. Cookies and Tracking Technologies

We may use cookies, pixels, and similar technology to analyze app performance and improve your experience. You can manage your cookie preferences through your device settings.

12. Changes to This Policy

We may update this Privacy Policy periodically. We will notify you of material changes through the app or via email. Your continued use of MoCo after changes constitutes acceptance.

13. Contact Information

For privacy-related questions or concerns, contact us at support@trymoco.com.