Privacy Policy

1. Introduction

Moneylab ("we," "us," "our," or "Company") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and otherwise process personal information about users of our website located at money-lab.app and our services, including digital products, AI toolkits, prompt templates, and API access (collectively, the "Services").

Please read this Privacy Policy carefully. By accessing or using Moneylab, you acknowledge that you have read, understood, and agree to be bound by all the provisions of this Privacy Policy.

2. Information We Collect

2.1 Information You Provide Directly

• Account Information: When you create an account or purchase products, we collect your name, email address, and other contact information.
• Payment Information: We collect payment information including credit card details, billing address, and transaction history. However, payment processing is handled securely by Stripe, and we do not directly store full credit card numbers on our servers. Stripe processes and stores this information in compliance with PCI-DSS standards.
• API Access Information: If you use our API, we collect information about your API keys, usage patterns, and integration details necessary to provide the service.
• Communications: When you contact us for support, submit inquiries, or communicate with us, we collect the content of your messages, email address, and any attachments you provide.
• Feedback: We may collect feedback, reviews, or suggestions you provide about our products and services.

2.2 Automatically Collected Information

• Usage Analytics: We collect information about how you interact with our Services, including pages visited, features accessed, time spent on pages, links clicked, and search queries. This helps us understand user behavior and improve our Services.
• Device Information: We automatically collect information about the devices you use to access our Services, including device type, operating system, browser type, and browser version.
• IP Address and Location: We collect your IP address and approximate geographic location based on IP geolocation to understand traffic patterns, prevent fraud, and improve our Services.
• Log Data: Our servers automatically record information created by your use of the Services, including request type, access times, response status, bytes transferred, and referring URLs.

2.3 Cookies and Tracking Technologies

We use cookies, web beacons, pixels, and similar tracking technologies to enhance your experience, remember your preferences, and understand how you use our Services. This includes:

• Essential Cookies: Required for authentication, security, and basic functionality of the Services.
• Analytics Cookies: Used to track usage patterns and understand how users interact with our Services.
• Preference Cookies: Used to remember your settings and preferences.
• Third-party Cookies: Our analytics and advertising partners may place cookies on your device.

2.4 Information from Third Parties

• Stripe: Payment processor that provides us with transaction confirmation and payment status.
• Analytics Providers: We may receive aggregated analytics data from our analytics service providers.
• Public Sources: We may collect information about your company or organization from publicly available sources to improve our Services.

3. How We Use Your Information

We use the information we collect for the following purposes:

• Service Delivery: To provide, maintain, and improve our Services, process transactions, send transactional emails, and provide customer support.
• Account Management: To create and manage your account, authenticate your identity, and ensure security.
• Communication: To send you service-related announcements, updates, and respond to your inquiries and support requests.
• Marketing and Promotions: To send you marketing communications, promotional offers, and newsletters (with your consent where required by law).
• Analytics and Research: To analyze usage patterns, understand customer preferences, and conduct research to improve our Services.
• Product Development: To develop new features, products, and services based on user feedback and usage patterns.
• Security and Fraud Prevention: To detect, prevent, and address fraud, abuse, and security incidents.
• Legal Compliance: To comply with applicable laws, regulations, legal processes, and government requests.
• Legitimate Business Interests: To protect our rights, property, and safety, and the rights, property, and safety of our users and the public.

4. Sharing Your Information

We may share your information with the following categories of recipients:

4.1 Service Providers

We share information with third-party service providers who assist us in operating our website, conducting our business, and providing our Services, including:

• Stripe: Payment processor that securely handles all payment transactions. Stripe maintains PCI-DSS compliance and has its own privacy policy.
• Vercel: Hosting provider that hosts our website and Services infrastructure.
• Analytics Providers: Services that help us understand how users interact with our platform.
• Email Service Providers: Services used to send transactional and marketing emails.
• Customer Support Tools: Third-party services that help us manage and respond to customer inquiries.

These service providers are contractually obligated to use your information only to the extent necessary to provide services to us and to maintain the confidentiality and security of your information.

4.2 Business Transfers

If Moneylab is involved in a merger, acquisition, bankruptcy, liquidation, dissolution, or other business transaction or proceeding, your information may be part of the transferred assets.

4.3 Legal Requirements

We may disclose your information when required by law or when we believe in good faith that such disclosure is necessary to: (a) comply with applicable laws, regulations, or legal processes; (b) respond to lawful requests from government authorities; (c) enforce our Terms of Service and other agreements; (d) protect the security or integrity of our Services; or (e) protect the rights, property, safety, and security of Moneylab, our users, or the public.

4.4 Public Information

If you choose to make any information publicly available (such as in user forums, comments, or public profiles), that information may be viewed and used by anyone.

4.5 No Sale of Personal Information

We do not sell, trade, or rent your personal information to third parties for their marketing purposes. We may share aggregated, de-identified information that cannot reasonably be used to identify you.

5. Data Security

We implement and maintain reasonable physical, electronic, and procedural safeguards designed to protect your information from unauthorized access, alteration, disclosure, and destruction. These safeguards include:

• SSL/TLS encryption for data transmission over the internet
• Secure password hashing and storage protocols
• Regular security audits and vulnerability assessments
• Access controls limiting employee access to personal information
• Secure API authentication and rate limiting
• Monitoring for unauthorized access attempts

However, no security system is impenetrable. While we strive to protect your information, we cannot guarantee absolute security. Any transmission of data is at your own risk. You are responsible for maintaining the confidentiality of your account credentials and API keys.

6. Data Retention

We retain your personal information for as long as necessary to fulfill the purposes for which we collected it, including to satisfy legal, accounting, or reporting requirements. The retention period may vary depending on the context of the processing and our legal obligations.

• Account Information: Retained for as long as your account is active and for a reasonable period afterward to fulfill our obligations.
• Transaction Information: Retained for a minimum of seven (7) years to comply with tax and financial regulations.
• Analytics Data: Typically retained for 12-24 months unless required longer by law.
• Communications: Retained for as long as necessary to respond to your inquiries and for customer service purposes.
• Marketing Data: Retained until you unsubscribe or request deletion.

When information is no longer needed, we securely delete or de-identify it. However, some information may be retained in backup copies for a limited period, though it will not be accessible for operational purposes during that time.

7. Your Privacy Rights and Choices

7.1 Access and Portability

You have the right to request a copy of the personal information we hold about you and to receive that information in a portable format. To exercise this right, please contact us at [email protected].

7.2 Correction and Updates

You have the right to request that we correct inaccurate or incomplete information. You can often update your account information directly through your account settings or by contacting us.

7.3 Deletion

You have the right to request deletion of your personal information, subject to certain exceptions. We will honor deletion requests unless we are required to retain the information by law or for legitimate business purposes. Please note that some information may be retained in backup copies for a limited period. To request deletion, contact us at [email protected].

7.4 Marketing Communications

You may opt out of receiving marketing communications from us by clicking the "unsubscribe" link in any marketing email or by contacting us at [email protected]. Note that even if you opt out of marketing communications, we will continue to send you transactional emails necessary for account management and service delivery.

7.5 Cookie Preferences

Most web browsers allow you to control cookies through their settings. You can typically delete cookies and block future cookies from being placed on your device. Please note that disabling cookies may affect the functionality of our Services. Specific cookie management instructions vary by browser; please consult your browser's help documentation.

7.6 Do Not Track

Some browsers include a "Do Not Track" feature. Currently, there is no industry standard for recognizing DNT signals. We do not currently respond to DNT browser signals.

7.7 Regional Rights

If you are located in the European Union, California, or other jurisdictions with privacy laws, you may have additional rights including the right to restrict processing and to object to processing. Please contact us to exercise any of these rights.

8. Third-Party Links and Services

Our Services may contain links to third-party websites, applications, and services that are not operated by Moneylab. This Privacy Policy does not apply to third-party services, and we are not responsible for their privacy practices. We encourage you to review the privacy policies of any third-party services before providing your information.

9. Children's Privacy

Our Services are not intended for children under the age of 13 (or the applicable age of digital consent in your jurisdiction). We do not knowingly collect personal information from children under 13. If we discover that we have collected information from a child under 13 without parental consent, we will promptly delete such information. If you believe we have collected information from a child under 13, please contact us at [email protected].

10. International Data Transfers

Moneylab is based in the United States. Your information, including personal data, will be collected, processed, stored, and used in the United States in accordance with this Privacy Policy and U.S. law. If you are accessing our Services from outside the United States, please be aware that your information may be transferred to, stored in, and processed in the United States and other countries where our service providers operate. By using our Services, you consent to the transfer of your information to the United States and processing under U.S. law.

11. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, technology, legal requirements, or other factors. We will notify you of any material changes by posting the updated Privacy Policy on our website with a new "Last Updated" date. Your continued use of our Services after such modifications constitutes your acceptance of the updated Privacy Policy. We encourage you to review this Privacy Policy periodically to stay informed about how we protect your information.

12. Contact Us

If you have questions, concerns, or requests regarding this Privacy Policy or our privacy practices, please contact us:

This Privacy Policy is effective as of March 23, 2026. Please review this policy regularly for updates.