Privacy Policy

This policy explains what My Financial Life (“we”, “us”), at fynlyfe.com and in our iOS and Android apps, collects, why, and the choices you have. We've written it in plain language. If anything is unclear, email support@fynlyfe.com.

The short version

• We never ask for bank logins, account numbers, your Social Security number, income, salary or debts.
• We collect what we need to run your account and track your learning: your email, your profile choices, and your lesson progress.
• We don't sell your personal information, and we don't show third-party ads.
• Friends in a cohort see only your display name, lesson counts and badges you choose to share. Never your answers or scores.
• You can export or delete your data at any time from Settings.

What we collect

Account information

Your email address, and if you use Google or Apple to sign in, the basic identity those services share (your email and name). We record that you confirmed you're 18 or older and accepted our Terms, and when.

Profile and preferences

Your display name, the name to print on certificates, an optional emoji avatar, time zone, learning goal, experience level, daily time goal, reminder and notification choices, and accessibility settings.

Learning activity

Lessons you start and finish, your answers to lesson and review questions, scores, skill mastery estimates, streaks, XP, badges, assessments, capstone checklists and reflections (stored encrypted), and certificates. We use this to run the app and show you your progress report.

AI tutor questions

When you ask the AI tutor a question, we send your question and the lesson content to our AI provider to generate an explanation. We automatically remove things that look like personal details (like email addresses, phone numbers or account numbers) before sending. We keep basic records (time, lesson, safety flags, cost) to run the service safely. We keep the full text of your conversations only if you turn on “Save AI tutor transcripts” in Settings, and turning it off deletes saved transcripts.

Product analytics

We record events such as “lesson completed” to understand what helps people learn and to fix problems. We honor your browser's Do Not Track and Global Privacy Control signals by limiting this collection. Analytics events are kept for up to 13 months, then deleted or aggregated so they no longer identify you.

Payments

If you buy Plus on the web, payment is handled by Stripe. We never see or store your full card number. We receive a customer reference, your plan, and whether your subscription is active.

Technical information

Your IP address and device or browser type, used for security, rate limiting and preventing abuse. We use only essential cookies to keep you signed in; they can't be read by other websites.

How we use it

• To provide lessons, track progress, schedule reviews and issue certificates.
• To send sign-in codes and, only if you opt in, reminders, weekly recaps and occasional product news.
• To keep the service safe: preventing fraud, abuse and spam, and reviewing reported content.
• To improve lessons using aggregated, de-identified learning data.

Who we share it with

We share personal information only with service providers who help us run the app, under contracts that limit their use of it:

• Hosting and databases (to store your account and progress).
• Email delivery (to send sign-in codes and messages you opt into).
• Our AI provider (to answer AI tutor questions, with personal details removed where we can detect them).
• Stripe (to process Plus payments).

We may also disclose information if the law requires it or to protect people's safety. If we're ever part of a merger or acquisition, we'll tell you before your information becomes subject to a different policy.

Cohorts and sharing

Cohorts are private groups you join by invite. Other members can see your display name, avatar, role, how many lessons you've completed (this week and since joining), and recent badges, unless you turn off “Share progress with cohorts”. They never see your answers, scores, reflections or any money details. Certificates are private unless you choose to share them, which makes them viewable by anyone with the verification link.

How long we keep it

• Account and learning data: while your account is open.
• Analytics events: up to 13 months.
• AI tutor transcripts: only if you opt in, until you turn it off or delete your account.
• Certificate verification records: kept so verification links keep working, unless you delete your account.
• Billing records: as long as tax and accounting laws require.

Your choices and rights

• Export: download a copy of your data in Settings → Privacy & data.
• Delete: delete your account in Settings. We remove or anonymize your personal information, except for limited records the law requires us to keep.
• Correct: edit your profile anytime in Settings.
• Opt out: reminders, recaps and marketing emails are off by default and can be turned off anytime.

Depending on where you live (for example, California), you may have additional rights to know, access, correct or delete your information, and to not be discriminated against for using them. Contact us to exercise any right; we'll verify the request comes from you.

Security

We use encryption in transit, encrypt sensitive fields at rest, limit staff access, and offer two-step sign-in. No system is perfectly secure, so we also keep what we collect to a minimum.

Adults only

My Financial Life is for people 18 and older. We don't knowingly collect information from anyone under 18. If you believe a minor has created an account, contact us and we'll delete it.

Changes

If we make material changes, we'll notify you in the app or by email before they take effect.

Contact

Email support@fynlyfe.com. See also our Terms of Service.