Privacy Policy

Effective Date: May 30, 2025

Manger Holdings LLC ("we", "us", "our") operates the CashChat AI mobile application. This Privacy Policy outlines how we collect, use, and protect your information.

1. Introduction

{app_name} is committed to protecting your privacy. This Privacy Policy explains how {company_name} ("we", "us", or "our") collects, uses, discloses, and protects your information when you use our services.

2. Information We Collect

We collect the following types of information to provide and improve our service:

• Email & Password (via Firebase Auth) to manage your account.
• Username for personalizing the app (not your real name).
• Zip Code (optional) for regional insights.
• Financial Data via Plaid to show transaction insights and summaries (we do not collect your name or full account numbers).
• Chat Interactions which may be stored to improve AI responses and user experience.

3. Use of Personal Information

We use your personal information to operate, maintain, and improve our services. This includes:

• Providing and personalizing app features
• Processing transactions and securely connecting financial accounts
• Communicating with you, including updates and customer support
• Analyzing usage patterns to enhance user experience

Your information is used to:

• Authenticate and manage your account securely.
• Analyze transactions and deliver personal finance insights.
• Store and retrieve your chat history to improve your experience.
• Support internal analytics and app improvement efforts.

4. Disclosure of Information

We do not sell your personal data. We may share your information with trusted third-party services under strict contractual obligations. These include:

• Google Firebase – authentication, secure database, and analytics
• Plaid – financial account linking and transaction data
• OpenAI – to generate chat responses based on user input

We may also share your information if required by law or to prevent fraud or misuse.

We do not sell your data. We only share information with trusted services that power our features:

• Firebase for authentication and database services.
• Plaid to securely link your financial accounts.
• OpenAI to provide conversational and educational insights.

4. Data Retention

We retain your data only as long as necessary to provide services and fulfill legal obligations. You can request deletion of your data anytime.

5. International Users

{app_name} is based in the United States. If you access the service from outside the U.S., you consent to the transfer, storage, and processing of your information in the U.S. and other countries.

6. Your Rights and Choices

You have the right to access, correct, or delete your data. You may also request a copy of the data we store about you by emailing support@mangerholdings.com.

7. Data Retention

We retain personal data only as long as necessary for legitimate business purposes and legal compliance. You can request data deletion by contacting us.

8. Data Security

We use encryption and secure cloud infrastructure (Firebase) to protect your data. However, no digital platform is immune to risks. Please use strong passwords and stay vigilant.

9. Children’s Privacy

{app_name} is intended for users aged 13 and older and is not directed to children under 13. We do not knowingly collect personal data from children. If you believe a child has provided us with personal information, please contact us immediately.

10. Changes to This Privacy Policy

We may update this policy occasionally. We will notify you of major changes through the app or email. Continued use of the app means you accept the updated policy.

11. Contact Us

If you have any privacy-related questions, please contact us at support@mangerholdings.com.