Decoding Wealth — App Privacy Policy

• You put personal things in this App: money numbers, sleep and steps, moods, journal entries, goals. We treat all of it as sensitive.
• We use it to run the App and power your AI coaches. We do not sell it, we do not rent it, and we do not show you ads.
• A small number of service providers help us run the App (hosting, AI, voice, payments, email, analytics). They are named below.
• You can ask us to delete your account and your data at any time.

Account information. Your name, email address, and password or sign-in provider (Google, Microsoft, Facebook, or Apple). If you sign in with a provider, we receive your name and email from that provider. We do not receive your password for that provider. We also record that you confirmed you are 18 or older.

Profile and settings. Display name, short bio, time zone, starting pillar, notification and check-in preferences, and privacy preferences.

FRESH check-ins and tracking. When you check in, the App stores the date, pillar, a 1–10 self-score, notes, activities, and mood, plus optional details for each pillar:

• Financial: income, expenses, savings, and investment amounts; monthly budgets; recurring expenses; and investment holdings you enter (symbol, name, shares, purchase price and date, notes).
• Relationship: connections made and meaningful conversations.
• Emotional: stress level and resilience activities.
• Spiritual: meditation minutes and acts of kindness.
• Health: steps, hours of sleep, and water intake. You enter these by hand. The App does not connect to Apple Health, Google Fit, or any wearable, and it does not read sensors on your phone.

Journal entries. The text you write, the prompt used, the pillar, and your mood.

Goals and progress. Goal titles, descriptions, target dates and amounts, milestones, progress, points, levels, badges, and streaks.

FRESH Score quiz and onboarding. Your answers and the resulting score. If you take the quiz before signing up, your answers are kept in your browser until you create an account and are then cleared from the browser.

Accountability partners. If you invite a partner, we store their name and email, the invitation status, the sharing choices you set, and any encouragement messages the two of you send each other.

Coaching bookings. If you book a session with a human coach: the date and time, meeting link, preparation notes, session notes, action items, and any rating or review you leave.

Messages to us. Anything you send through the Contact or Support pages or by email.

The App’s five coaches (Finn, Rhea, Emery, Sol, and Ace) and Coach De are AI software, not people.

• What is sent to the AI model. When you message a coach, the App sends your message and recent context to an AI model so it can write a reply. That context includes your recent messages in the conversation (up to the last 8), your first name, pillar averages and entry counts, recent moods and notes, your goals and achievements, your starting pillar, up to 5 recent journal entries, and saved coach memories (below).
• Who runs the models. Our hosting platform, Base44, sends these requests to AI model providers on our behalf. Currently the providers are Anthropic (Claude models) and Google (Gemini models). We do not use web search to answer your messages.
• Conversation history. We do not save the full back-and-forth of your coach chats. It stays on your screen during the session and is not written to our database.
• Coach memories. So a coach can remember what matters from one conversation to the next, the App uses the AI model to pull out up to 3 short facts after each message (for example, “working toward a rental property down payment”) and saves them to your account. Your FRESH Score from onboarding is saved the same way. Coach memories are deleted when your account is deleted.
• Coach voice. If you play a coach’s reply out loud, the text of that reply is sent to ElevenLabs to make the audio. The App does not use your microphone, record your voice, or convert your speech to text. We keep the generated audio file and a scrambled code (a hash) that identifies the reply, so the same audio can be reused. We do not store the reply text itself for voice.
• AI-generated insights. The App may create insight cards from your tracking data. They are saved to your account.
• Turning this off. Go to Profile → Privacy → AI-Powered Insights. When it's off, coaches only see what you type in the conversation, and no new coach memories are saved.

• Usage analytics. We use Google Analytics 4 to see which pages are visited, how people move between our website and the App, and when a purchase is completed (plan and amount only). Google Analytics sets its own cookies (_ga). We do not send your journal, tracking, or coach content to Google Analytics.
• In-app activity logs. Base44 records which App pages signed-in users open so we can understand usage and fix problems.
• Stored in your browser. The App keeps a few small items in your browser or device: your sign-in session, your daily coach message count (to apply plan limits), unfinished quiz answers, and a technical reload flag.
• Device and log data. Like most online services, our hosting provider receives technical information such as IP address, browser or device type, and timestamps when you connect.

We do not use advertising pixels or ad networks, and we do not track you across other companies’ apps or websites for advertising.

• To provide the App: your dashboard, tracking, journal, goals, streaks, library, and coaches
• To personalize coach replies and insights to your data
• To process subscriptions and manage your plan
• To send the emails you ask for, and service messages about your account
• To provide support and answer your messages
• To keep the App secure, prevent abuse, and fix bugs
• To understand, in aggregate, how the App is used and improve it
• To meet legal obligations

We do not use your information to make decisions about you that have legal or similarly significant effects.

We share information only with providers that help us run the App, only for that purpose, and under their own privacy and security terms:

Accountability partners. If you invite a partner, they can see what the App shows partners: your active goals and progress, achievement level, best streak, and goal count, plus messages you send them. Do not invite someone you do not want to see this.

Human coaches. If you book a coaching session, the coach sees your booking details and notes for that session.

Legal and safety. We may disclose information if required by law, to respond to valid legal process, to protect the rights and safety of users or others, or in connection with a merger, sale, or transfer of the business (in which case this policy continues to apply to your information).

We do not sell or rent your personal information, and we do not share it for targeted advertising.

We keep your account data for as long as your account is open. When you delete your account, we delete or de-identify your personal information within 30 days. The exceptions are records we must keep for legal, tax, or fraud-prevention reasons (for example, payment records held by Stripe), and routine backups, which are overwritten on a regular cycle. Email subscribers who unsubscribe are kept on a do-not-email list so we honor the request.

• Delete your account. In the App, go to Profile → Privacy → Delete Account, or email de@decodingwealth.net. Deleting your account permanently removes your profile, check-ins, journal entries, goals, budgets, investments, coach memories, insights, achievements, bookings and partner connections, and cancels any subscription you bought on our website. If you subscribed through Apple or Google, cancel that subscription in your phone's settings — we can't cancel it for you.
• Get a copy of your data. Email de@decodingwealth.net and we will send you a copy of your account data within 30 days.
• Correct your information. Edit it in the App, or email us.
• Emails. Use the unsubscribe link in any email.
• Analytics. You can block or clear cookies in your browser settings.
• Where you live. Depending on your state or country, you may have additional rights, such as the right to know, access, correct, or delete your information, or to appeal a decision about a request. Email de@decodingwealth.net to use them. We will not treat you differently for doing so. We may need to confirm your identity before acting on a request.

Data is sent over encrypted connections (HTTPS). Access to your records is limited to your own account, apart from the partner features described above and a small number of admins who maintain the App. Payment card data is handled by Stripe, not by us. No system is perfectly secure. If we learn of a breach that affects your personal information, we will notify you as required by law.

The App is for adults 18 and older, as stated in our Terms of Service, and we ask every user to confirm their age before using it. We do not knowingly collect information from anyone under 18. If you believe a minor has created an account, contact us and we will delete it.

We are based in the United States, and your information is processed in the United States and wherever our providers operate. By using the App, you understand that your information may be processed outside the country where you live.

If we make material changes, we will update the effective date and let you know in the App or by email before the changes take effect.

De Directly LLC · South Carolina, USA · de@decodingwealth.net