Privacy Policy

Introduction

Ask Felix ("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 the Ask Felix application and related services (the "Service"). Please read this policy carefully. If you do not agree with its terms, please do not access the Service.

Information We Collect

Information You Provide Directly

• Account information: Your name, email address, and password when you create an account.
• Profile information: Details about your family members whose accounts you are authorized to monitor.
• Communications: Messages you send to us through the contact form or support channels.

Financial Data (via Plaid)

Ask Felix uses Plaid Technologies, Inc. ("Plaid") to connect to financial institutions. When you or your parent/family member links a bank account:

• Plaid facilitates a read-only connection to the linked financial institution.
• We receive transaction data, account balances, and account metadata solely for the purpose of monitoring and alerting.
• We cannot initiate transactions, move money, or modify account settings in any way.
• Your use of Plaid is also governed by Plaid's Privacy Policy.

Information Collected Automatically

• Usage data: Pages visited, features used, time and date of access, and clickstream data.
• Device information: Browser type, operating system, IP address, and device identifiers.
• Cookies and similar technologies: We use cookies to maintain your session and remember your preferences.

How We Use Your Information

We use the information we collect to:

• Provide, operate, and maintain the Service.
• Detect and alert you to unusual financial activity, potential fraud, or spending pattern changes.
• Send you account notifications, weekly summaries, and security alerts.
• Respond to your customer service requests and support needs.
• Improve, personalize, and expand our Service.
• Comply with applicable laws, regulations, and legal obligations.
• Prevent fraudulent use of our platform and protect the security of our users.

How We Share Your Information

We do not sell, trade, or rent your personal information to third parties. We may share your information in the following limited circumstances:

• Service providers: We work with third-party vendors (including Plaid, cloud infrastructure providers, and email service providers) who assist us in operating the Service. These providers are contractually obligated to handle your data securely and only as directed by us.
• Family members you invite: If you invite a family member (e.g., a sibling) to share monitoring access, they will see the same financial data you see for the monitored accounts.
• Legal requirements: We may disclose your information if required to do so by law or in response to valid legal process, such as a court order or government request.
• Business transfers: In the event of a merger, acquisition, or sale of all or a portion of our assets, your information may be transferred as part of that transaction.
• Protection of rights: We may disclose information to protect the rights, property, or safety of Ask Felix, our users, or others.

Data Security

We implement industry-standard security measures to protect your information:

• Encryption in transit: All data transmitted between your device and our servers is encrypted using TLS (Transport Layer Security).
• Encryption at rest: Sensitive financial data is encrypted at rest using AES-256 encryption.
• Read-only access: Our Plaid integration is strictly read-only. We have no ability to initiate payments or transfers.
• Access controls: Access to user data within our organization is limited to personnel who need it to provide the Service, and is protected by strong authentication requirements.

No method of transmission or storage is 100% secure. While we strive to protect your information, we cannot guarantee absolute security.

Data Retention

We retain your account information and financial monitoring data for as long as your account is active or as needed to provide the Service. If you close your account, we will delete your personal data within 90 days, except where we are required to retain it for legal or compliance purposes.

Transaction data connected via Plaid is retained for up to 24 months to support trend analysis and historical comparisons. You may request earlier deletion at any time.

Your Rights and Choices

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 personal data, subject to certain legal obligations.
• Portability: Request your data in a portable, machine-readable format.
• Opt-out of communications: Unsubscribe from marketing emails at any time using the link in the email footer. Note that transactional and security alerts cannot be disabled while your account is active.

To exercise any of these rights, contact us at privacy@askfelix.com.

Children's Privacy

The Service is intended for adults 18 years of age and older. We do not knowingly collect personal information from children under 13. If we become aware that we have collected personal information from a child under 13, we will take steps to delete that information promptly.

Third-Party Links

The Service may contain links to third-party websites or services. We are not responsible for the privacy practices of those third parties and encourage you to review their privacy policies.

California Residents

If you are a California resident, you have specific rights under the California Consumer Privacy Act (CCPA). These include the right to know what personal information we collect, the right to request deletion, and the right to opt out of the sale of personal information. As noted above, we do not sell personal information. To exercise your rights, contact privacy@askfelix.com.

Changes to This Privacy Policy

We may update this Privacy Policy from time to time. When we do, we will revise the "Last updated" date at the top of this page and, for material changes, notify you via email or a prominent notice within the Service. Your continued use of the Service after any changes constitutes acceptance of the updated policy.

Contact Us

If you have any questions about this Privacy Policy or our data practices, please contact us: