1. Introduction

Welcome to Money Teller ("we," "our," or "us"). We are built on a privacy-first foundation with minimal data collection as a core principle. Unlike many online services, we collect only the absolute minimum information needed to provide our service.

Our privacy commitment in simple terms:

• We only collect your basic Google profile information (name, email, profile picture) for authentication
• We do not store your question responses or analysis results
• We do not track your behavior or build user profiles
• We do not sell your data to anyone
• Authentication is used solely to manage your Kai tokens, not to track you

Money Teller provides valuable financial goal assessments while respecting your privacy. Our primary purpose is to help individuals gain clarity about their financial goals through honest analysis and actionable advice, whether you're struggling financially or have ambitious goals.

Please read this Privacy Policy carefully. If you do not agree with the terms of this Privacy Policy, please do not access the application.

2. Information We Collect

Money Teller is designed to collect minimal personal information. We only collect what is absolutely necessary to provide our service.

2.1 Authentication Information

When you choose to sign in, we only collect:

• Basic public profile information from Google or other authentication providers (name, email address, profile picture)
• This information is used solely to identify your account and manage your Kai tokens

2.2 Payment Processing

When you purchase Kai tokens, payment information is processed securely through Razorpay. We do not store your payment details on our servers.

2.3 Question Responses

Your responses to Money Teller questions are:

• Temporarily processed to generate your analysis
• Never stored after the analysis is complete
• Not associated with your identity in our systems

2.4 Essential Technical Information

Like most websites, our servers automatically log basic technical information necessary for the operation of the service. This is limited to:

• Standard server logs required for security and troubleshooting
• Basic session cookies necessary for the application to function

For more details on cookies, please see our Cookie Policy.

3. How We Use Your Information

We use the minimal information we collect for very specific purposes:

• Authentication Information: Used solely to identify your account and manage your Kai tokens
• Question Responses: Used temporarily to generate your financial analysis, then discarded
• Payment Information: Processed by Razorpay solely to complete token purchases
• Technical Information: Used only to maintain service functionality and security

We do not use your information for marketing, profiling, or selling to third parties. Our use is strictly limited to providing the core Money Teller service.

4. Limited Information Sharing

We share only the minimum necessary information with a very limited set of third parties:

• Authentication Providers: We use Google authentication to verify your identity
• Technology Providers: Your question responses (without your identity) are temporarily processed by our deep tech system to generate analyses
• Razorpay: Only payment information necessary to process Kai token purchases
• Hosting Providers: Our application is hosted on secure cloud infrastructure

Important privacy commitments:

• We do not sell your personal information to anyone
• We do not share your identity with our Technology providers
• We do not use third-party marketing or advertising trackers
• We do not build profiles of users for advertising or marketing purposes

5. Data Retention and Minimization

Money Teller is built on a foundation of data minimization. We store as little personal data as possible:

• Question Responses: We do not store your responses after generating your analysis. Once you receive your analysis, your responses are completely deleted from our systems.
• Analysis Reports: Analysis reports are generated for you to download but are not stored on our servers. If you want to keep your analysis, you must download it.
• Account Information: We only store your basic Google profile information (name, email, profile picture) to identify your account.
• Kai Token Balance: We store only your current Kai token balance and transaction history to manage your tokens.

What we don't store:

• Your financial goals or aspirations
• Your personal financial circumstances
• Your skills, capabilities, or limitations
• Any details about your financial situation
• Your browsing behavior or usage patterns

This privacy-first approach ensures that your sensitive financial information remains private and is never retained in our systems.

6. Data Security

We implement appropriate technical and organizational measures to protect the security of your personal information. However, please be aware that no method of transmission over the internet or electronic storage is 100% secure, and we cannot guarantee absolute security.

7. Your Data Protection Rights

Depending on your location, you may have certain rights regarding your personal information, including:

• The right to access your personal data
• The right to rectify inaccurate personal data
• The right to erasure ("right to be forgotten")
• The right to restrict processing of your personal data
• The right to data portability
• The right to object to processing of your personal data

To exercise these rights, please contact us using the information provided in the "Contact Us" section.

8. Children's Privacy

Our service is not intended for individuals under the age of 13. We do not knowingly collect personal information from children under 13. If you are a parent or guardian and believe your child has provided us with personal information, please contact us.

9. Changes to This Privacy Policy

We may update our Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on this page and updating the "Last Updated" date. You are advised to review this Privacy Policy periodically for any changes.