Privacy Policy

1. Introduction

Welcome to Cash Flow & Goals・Advance Hub. Your privacy matters to us. This Privacy Policy explains what information we collect, how we use it, and the choices you have. By using Cash Flow & Goals・Advance Hub, you agree to the collection and use of information in accordance with this policy.

If you have questions or requests regarding your personal data, contact us at support@montezumafinance.com.

2. What This App Does

Cash Flow & Goals・Advance Hub is a personal financial assistant that helps users estimate potential eligibility amounts, track debts and repayment progress (including Avalanche and Snowball payoff strategies), and build and monitor an emergency savings cushion. Cash Flow & Goals・Advance Hub provides educational calculations and projections and is not a bank, lender, or licensed financial advisor.

3. Information We Collect

A. Information You Provide Directly

• Account information: Email address (if you create an account), username, password.
• Financial inputs: Debts (balances, interest rates, minimum payments), income, savings, target goals, and any adjustments you enter (extra payments, new debts, deposits to savings). These are necessary for calculation features.
• Support communications: Messages you send to support (via email or in-app).

B. Automatically Collected Information

• Usage data: App interactions, feature usage, pages/screens viewed, timestamps, and crash reports.
• Device and technical data: Device type, operating system, app version, unique device identifiers, and IP address.
• Analytics data: Aggregated statistics about how the app is used (collected via third-party analytics providers).

C. Third-Party Data

If you choose to connect external services (if available in future releases), we may receive data from those services per your authorization. We will identify these integrations and request your consent before connecting.

4. How We Use Your Information

We use information to:

• Provide, operate, and improve Cash Flow & Goals・Advance Hub features (eligibility calculator, debt tracker, payoff planning, savings tracker).
• Generate personalized calculations, projections, and recommendations based on your inputs.
• Send transactional messages and respond to support requests.
• Analyze and optimize app performance and user experience.
• Detect, prevent, and address technical issues and misuse.
• Comply with legal obligations.

5. Advertising and Third-Party Partners

Cash Flow & Goals・Advance Hub may display advertising in the app. We may share aggregated and non-identifying usage data with advertising partners to deliver and measure ads. If we ever use third-party ad networks that collect personal data (e.g., advertising identifiers), we will disclose that and provide applicable opt-out information. We do not sell your personal information.

6. Sharing and Disclosure

We may share your information with:

• Service providers: Contractors and vendors who perform services for Cash Flow & Goals・Advance Hub (hosting, analytics, payment processors, email delivery). They are contractually required to protect your data.
• Legal and safety: When required by law, to respond to legal processes, or to protect rights, property, or safety.
• Business transfers: In connection with a merger, acquisition, or sale of assets (with notice and appropriate protections).

We do not share your financial inputs with third parties for marketing purposes without your explicit consent.

7. Data Retention

We retain your personal information as long as necessary to provide services and as required to comply with legal obligations. You can request deletion of your account and associated data (see Your Choices).

8. Security

We use reasonable administrative, technical, and physical safeguards to protect information. No method of transmission or storage is 100% secure — we cannot guarantee absolute security. If a breach affecting your data occurs, we will follow applicable law and notify you as required.

9. Your Choices and Rights

• Access & Correction: You may request access to or correction of personal information by contacting support@montezumafinance.com.
• Account Deletion: You can delete your account and associated data via app settings or by contacting support. After deletion, we will remove your data except for information we are required to retain for legal purposes.
• Analytics & Ads Opt-out: Where applicable, you can opt out of personalized advertising via device-level settings or advertising platform opt-outs; contact support for help.

10. Children's Privacy

Cash Flow & Goals・Advance Hub is not intended for children under 13. We do not knowingly collect personal information from children under 13. If you believe we have collected such information, contact us and we will promptly delete it.

11. International Transfers

Data may be processed in countries other than your residence. We will take steps to ensure adequate safeguards for any international transfers.

12. Changes to This Policy

We may update this Privacy Policy. If changes materially affect how we use your personal information, we will provide notice (in-app or via email) before changes take effect. The revised policy's effective date will be updated.

13. Contact Us

For privacy questions or requests, contact:

support@montezumafinance.com