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Privacy Notice

Last updated July 29, 2025

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Thank you for using Cash Coach AI, an AI-powered personal finance app operated by KT Financial Corp. ("Company," "we," "us," "our"), a company incorporated in Delaware, United States. Your privacy is important to us. This Privacy Policy explains how we collect, use, store, protect, and share your personal information through our website, mobile application (Cash Coach AI), and related services (collectively, the "Services"). By using the Services, you agree to the terms of this Privacy Policy.

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If you have any questions or concerns, please contact us at info@cashcoach.ai.

SUMMARY OF KEY POINTS

This summary provides key points from our privacy notice, but you can find out more details about any of these topics by clicking the link following each key point or by using our table of contents below to find the section you are looking for.

 

What personal information do we process? When you visit, use, or navigate our Services, we may process personal information depending on how you interact with us and the Services, the choices you make, and the products and features you use. Learn more about personal information you disclose to us.

 

Do we process any sensitive personal information? We do not process sensitive personal information.

 

Do we collect any information from third parties? We may collect information from public databases, marketing partners, social media platforms, and other outside sources. Learn more about information collected from other sources.

 

How do we process your information? We process your information to provide, improve, and administer our Services, communicate with you, for security and fraud prevention, and to comply with law. We may also process your information for other purposes with your consent. We process your information only when we have a valid legal reason to do so. Learn more about how we process your information.

 

In what situations and with which parties do we share personal information? We may share information in specific situations and with specific third parties. Learn more about when and with whom we share your personal information.

 

What are your rights? Depending on where you are located geographically, the applicable privacy law may mean you have certain rights regarding your personal information. Learn more about your privacy rights.

 

How do you exercise your rights? The easiest way to exercise your rights is by submitting a data subject access request, or by contacting us. We will consider and act upon any request in accordance with applicable data protection laws.

 

Want to learn more about what we do with any information we collect? Review the privacy notice in full.

TABLE OF CONTENTS

1. INFORMATION WE COLLECT

2. HOW WE USE YOUR INGORMATION

3. AI CHAT AND DATA USAGE

4. BANK ACCOUNT CONNECTIONS

5. HOW WE SHARE YOUR INFORMATION

6. CROSS-BORDER DATA TRANSFERS

7. DATA SECURITY

8. YOUR PRIVACY RIGHTS

9. CHANGES TO THIS POLICY

10. CONTACT US

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1. Information We Collect

We collect information you provide directly, information collected automatically, and information from third parties to provide and improve the Services.

 

  • Personal Information: When you register for an account, contact us, or use the Services, we may collect your name, email address, phone number, and other contact details you provide.

  • Financial Information: If you connect your bank accounts through our partner, Plaid, Inc. ("Plaid"), we may collect financial data such as account balances, transaction history, and account details to enable features like budgeting and spending insights.

  • AI Chat Interactions: When you use our AI chat features, we collect your inputs (e.g., questions or financial details) and generated responses to provide personalized recommendations and improve the AI’s performance.

  • Usage Data: We automatically collect information about your interactions with the Services, including IP address, device information, browser type, operating system, and usage patterns (e.g., pages viewed, time spent).

  • Cookies and Tracking Technologies: We use cookies, web beacons, and similar technologies to enhance your experience, analyze usage, and deliver personalized content. You can manage cookie preferences through your browser settings.

2. How We Use Your Information

We use your information to provide, improve, and personalize the Services, including:
 

  • Service Delivery: To provide budgeting tools, spending insights, and personalized financial recommendations via our AI assistant.

  • Account Management: To authenticate your account, process payments, and communicate service-related updates.

  • Improvement and Analytics: To analyze usage patterns, improve app functionality, and enhance AI accuracy.

  • Security: To protect against fraud, unauthorized access, and other security threats using industry-standard encryption and access controls.

  • Compliance and Legal Obligations: To comply with applicable laws, regulations, and legal processes in the U.S. and Canada.

3. AI Chat and Data Usage

Our AI chat feature processes your inputs to generate personalized financial guidance. By using the AI chat, you consent to the following:
 

  • Data Collection: We collect and store your chat inputs and outputs to provide responses and improve the AI’s performance.

  • Model Training: We may use anonymized or aggregated chat data to train and enhance our AI models, but we will not use personally identifiable information for training without your explicit consent.

  • Confidentiality Limits: Chat interactions are not guaranteed to be confidential beyond what’s required by law, as responses may be influenced by aggregated data from other users.

  • Retention: We retain chat data only as long as necessary to provide the Services or comply with legal obligations, unless you request deletion (see “Your Privacy Rights” below).
     

The AI chat is for informational purposes only and does not constitute professional financial advice. Outputs may contain errors, and you should consult a qualified advisor for personalized guidance.

4. Bank Account Connections

The Services allow you to connect your bank accounts via Plaid to enable features like transaction monitoring and budgeting insights. When you connect your accounts:
 

  • Authorization: You authorize us and Plaid to access and retrieve financial information from your financial institutions.

  • Data Handling: Financial data is collected, stored, and used in accordance with this Privacy Policy and Plaid’s End User Privacy Policy. You also agree to Plaid’s End User Services Agreement.

  • Credentials: We do not store your bank login credentials; these are handled securely by Plaid.

  • Risks: Data transmission to Plaid involves a third party. While we and Plaid use industry-standard security, no system is entirely risk-free. We are not responsible for Plaid’s performance, data breaches at Plaid or your financial institutions, or data inaccuracies.

  • Revoking Access: You can revoke Plaid access via Plaid’s dashboard (my.plaid.com) or our Services, which may disable certain features.

5. How We Share Your Information

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

  • With Plaid: To facilitate bank account connections, as described in “Bank Account Connections.”

  • Service Providers: With trusted vendors (e.g., hosting, analytics, or payment processors) who are contractually obligated to protect your data and use it only for specified purposes.

  • Legal Compliance: To comply with legal obligations, respond to lawful requests (e.g., subpoenas), or protect our rights, property, or safety.

  • Business Transfers: In connection with a merger, acquisition, or sale of assets, your data may be transferred to a successor entity under strict confidentiality agreements.

  • Anonymized Data: We may share anonymized or aggregated data (e.g., for AI training or analytics) that cannot identify you.

6. Cross-Border Data Transfers

The Services are hosted and operated in the United States.
 
If you access the Services from Canada, your data may be transferred to and processed in the U.S., subject to safeguards compliant with Canada’s Personal Information Protection and Electronic Documents Act (PIPEDA) and U.S. laws, including the California Consumer Privacy Act (CCPA) where applicable. By using the Services, you consent to such transfers. We implement reasonable measures to ensure data security during transfers, but you are responsible for ensuring compliance with your local laws.

7. Data Security

We use industry-leading security measures, including banking-grade encryption, multi-factor authentication, access controls, and regular security assessments, to protect your data. However, no system is completely secure, and we cannot guarantee absolute protection against unauthorized access, breaches, or data loss. You are responsible for maintaining the security of your account credentials and connected bank accounts.

8. Your Privacy Rights

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

  • Access: Request a copy of the personal data we hold about you.

  • Correction: Request correction of inaccurate or incomplete data.

  • Deletion: Request deletion of your data, including AI chat logs and bank connection data (subject to legal retention requirements).

  • Restriction: Request that we restrict processing of your data in certain circumstances.

  • Objection: Object to certain types of data processing (e.g., for analytics).

  • Data Portability: Request a portable copy of your data where technically feasible.
     

To exercise these rights, contact us at info@cashcoach.ai. For bank connection data, you can revoke access via Plaid’s dashboard (my.plaid.com). We will respond within the timeframes required by law (e.g., 45 days under CCPA, 30 days under PIPEDA). Note that we may retain certain data as required by law or for legitimate business purposes (e.g., fraud prevention).
 
California Residents (under CCPA/CPRA):

  • You have the right to know what personal information we collect, use, or disclose about you.

  • You can opt out of data sharing (though we do not sell data).

  • We will not discriminate against you for exercising your rights.
     

Canadian Residents (under PIPEDA):

  • You have the right to access and correct your personal information and withdraw consent for certain uses, subject to legal restrictions.
     

Residents of other U.S. states (e.g., Colorado, Utah) may have similar rights under applicable state laws.

9. Changes to This Policy

We may update this Privacy Policy to reflect changes in our practices, technology, or legal requirements, including compliance with emerging AI regulations (e.g., U.S. federal guidance from CFPB or SEC, state laws in California, Colorado, or Utah, or Canadian federal/provincial laws). We will notify you of significant changes by updating the “Last updated” date and, where required, providing prominent notice (e.g., via email or in-app alerts). Your continued use of the Services after such changes constitutes acceptance of the updated policy.

10. Contact Us

For questions, concerns, or to exercise your privacy rights, contact us at:

info@cashcoach.ai For complaints not satisfactorily resolved, California residents may contact the California Department of Consumer Affairs’ Complaint Assistance Unit at 1625 North Market Blvd., Suite N 112, Sacramento, CA 95834, or by phone at (800) 952-5210 or (916) 445-1254.

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