Privacy Policy

When you register or use the Service, you may provide:

• Full legal name — collected at registration for account identification;
• Email address — required for account creation, login, transactional messages, and notifications;
• Phone number — collected at registration and used for account security (e.g., two-factor authentication if enabled) and optional SMS notifications;
• Date of birth — required to verify age eligibility and determine which privacy protections apply to your account;
• Onboarding assessment responses — answers to the 15-question pretest used to set your personalized news complexity level; and
• Financial data entered into tools — data you voluntarily enter into the Budget Planner, Paycheck Calculator, or other financial tools. Where technically feasible, this data is processed locally on your device. If you choose to save results to your account, that data is stored on our servers as described in this Policy.

When you access or use the Service, we automatically collect:

• Device information: device type, model, operating system version, and unique device identifiers (IDFA on iOS; Android Advertising ID on Android);
• IP address and approximate location: we derive your country and state from your IP address for compliance and content purposes — we do not collect precise GPS location without your explicit consent;
• Usage and analytics data: features accessed, modules completed, quiz scores, time spent, navigation paths, button interactions, and session duration;
• Diagnostic data: error reports, crash logs, request timestamps, and performance metrics; and
• Ad interaction data (free tier users): whether an ad was displayed, whether a rewarded video was initiated, and general ad performance metrics.

We receive limited data from the following integrated services:

• Google Firebase — app performance, crash reports, and push notification delivery status;
• Mixpanel — anonymized user behavior analytics (feature events, funnel data);
• Google AdMob — ad performance data for free tier users (we do not share your name, email, or financial data with AdMob);
• Apple / Google Play — subscription status and purchase confirmations (we do not receive your full payment card details); and
• Finlight — financial news article content (we receive content from Finlight but do not share your personal data with Finlight).

FinEdu may permit users under the age of 13 to use the Service only after we receive verifiable parental consent (VPC). Our process:

• A parent or legal guardian must complete our parental consent flow before the child's account is activated;
• We collect the consenting parent or guardian's name, email address, and consent confirmation — not the child's email;
• We use a consent method designed to reasonably ensure the consenting person is the child's actual parent or legal guardian;
• Before consent is given, the parent or guardian receives a complete description of what information we collect from the child and how it is used;
• After consent is given, the parent or guardian may at any time: (a) review all personal information we have collected from their child; (b) direct us to delete that information and the child's account; and (c) refuse further collection or use of their child's information;
• Consent may be revoked at any time by contacting info@thefinedu.com with the subject line "Parental Consent Revocation"; and
• We will not condition a child's participation in the Service on providing more personal information than is reasonably necessary to use the Service.

For users under 13, we collect only the minimum information necessary to operate the Service:

• Display name or username (real legal name is not required);
• Parent or guardian's email address (not the child's);
• Date of birth (to confirm eligibility);
• Device identifiers (for analytics, configured for minimal collection); and
• Learning progress, quiz scores, and module completion data.

We do not collect the following from users under 13 without specific additional parental consent:

• Phone number;
• Precise geolocation;
• Real full legal name; or
• Any data used for interest-based or behavioral advertising.

We do not serve behavioral or interest-based advertising to users under 13. Any ads shown to users under 13 will be non-personalized contextual ads only, fully compliant with COPPA and Google's Families Policy for child-directed apps.

For users between the ages of 13 and 17, we apply the following additional protections:

• We do not sell their personal information;
• We do not use their data for behavioral profiling or targeted advertising;
• Push notifications are limited to Service-related content — no promotional or sponsored push messages;
• AdMob is configured to serve non-personalized ads only for all users under 18; and
• Parents or guardians of users ages 13–17 may contact info@thefinedu.com to request access to, correction of, or deletion of their child's account data.

Parents and legal guardians have the right to:

• Review all personal information we have collected from their child;
• Request correction of any inaccurate information;
• Request deletion of their child's account and all associated personal data;
• Refuse further collection or use of their child's information; and
• Revoke consent at any time without penalty to any prior use.

To exercise any of these rights, contact: info@thefinedu.com with subject line "Parental Rights Request."

We share data with vendors that help us operate and improve the Service:

• Google LLC — Firebase (analytics, push notifications, crash reporting), AdMob (free tier advertising), Gemini AI (FinAI chatbot);
• Mixpanel, Inc. — user behavior analytics;
• Stripe, Inc. — web payment processing;
• Apple Inc. / Google LLC — mobile subscription and in-app purchase management;
• Finlight — financial news data delivery;
• Sentry — error monitoring and crash reporting; and
• SendGrid (Twilio) — transactional email delivery.

All service providers are contractually required to use your data only as directed by us and in a manner consistent with this Privacy Policy.

FinEdu's institutional plans serve schools, businesses, credit unions, nonprofit organizations, and other entities. The data practices in this section apply to all institutional account types.

We may disclose your information when we believe in good faith that disclosure is necessary to: (a) comply with applicable law or legal process; (b) respond to a valid subpoena, court order, or government request; or (c) protect the rights, property, or safety of FinancialEdu Inc., our users, or the public.

If FinancialEdu Inc. undergoes a merger, acquisition, reorganization, or sale of substantially all of its assets, your information may be transferred as part of that transaction. We will provide at least 30 days' advance notice before your data becomes subject to a materially different privacy policy.

Free tier users are shown ads served by Google AdMob. We configure AdMob as follows:

• Users under 18: non-personalized ads only — no interest-based or behavioral targeting;
• Users 18 and over: personalized ads based on general device and usage signals — no financial data, name, or email is shared with AdMob; and
• Rewarded video ads (voluntarily watched in exchange for Wads of Cash refills) are available to all tiers.

To limit ad personalization: iOS: Settings > Privacy & Security > Tracking; Android: Settings > Google > Ads; or upgrade to FinEdu Premium.

We use Firebase Analytics and Mixpanel to understand how users interact with the Service. These tools collect anonymized event data. We do not share individually identifiable analytics data with third parties for their own advertising purposes.

Request a copy of the personal information we hold about you by emailing info@thefinedu.com. We will respond within 30 days.

Update your name, email, and phone number in app settings. For other corrections, contact info@thefinedu.com.

Delete your account via "Delete Account" in app settings or email support@thefinedu.com with the subject line "Account Deletion Request." We will process requests within 30 days. Some data may be retained as required by law (e.g., payment records).

Click "Unsubscribe" in any marketing email, or contact info@thefinedu.com. Opting out of marketing does not affect transactional messages.

Disable push notifications at any time through your device's notification settings.

California residents have rights under the CCPA and CPRA, including the right to know, delete, correct, and opt out of the sale or sharing of personal information. We do not sell personal information. Contact info@thefinedu.com.

Nevada residents may opt out of the sale of personal information. We do not sell personal information. Contact info@thefinedu.com.

If you are in the EEA or United Kingdom, you have rights under GDPR/UK GDPR including access, rectification, erasure, restriction, portability, and objection. Contact info@thefinedu.com to exercise your rights or lodge a complaint.