^{Last Reviewed: January 2025}

1. INTRODUCTION

At Felipa Finance Inc., we are committed to helping you manage your finances seamlessly and securely. Our platform, Felipa.io, uses advanced technology to provide financial insights, personalized recommendations, and support for better money management. Data is central to our services, and we take the protection of your information seriously.

This Privacy Policy outlines how Felipa collects, uses, and safeguards your personal information. It also explains your rights under data protection laws, including the General Data Protection Regulation (GDPR) and the California Consumer Privacy Act (CCPA).

Felipa Finance Inc. (“we” or “us”) acts as a data controller regarding the personal information we collect. A data controller determines how and why your personal data is processed and is responsible for its security. If you have any questions about this policy or our data practices, please contact us at admin@felipa.io

1.1 NAME AND ADDRESS OF DATA CONTROLLER

Felipa Finance Inc.

If you request the deletion of your account, Felipa will delete all retained information about you in accordance with our data retention and deletion policies, outlined below.

1.2 HOW AND WHY WE COLLECT DATA
We collect and process your personal data to deliver our services effectively, improve our platform, and comply with legal and regulatory obligations. Your data will never be sold or monetized in any way.

Data We Collect

We may collect the following types of personal data from you:
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• Contact Information: Name, email address, phone number, DOB.
• Financial Data: Bank account details, transaction history, income data (collected via trusted third-party, Plaid).
• Technical Information: Device type, IP address, browser information, and geographic location.
•Usage Data: How you interact with our platform, including chat interactions, preferences, and feedback.
• Directly from You: When you sign up, provide details for KYC, or contact our support team.
• Automatically: Through cookies, usage logs, and analytics tools when you use our platform.
• Third-Party Sources: Financial institutions

1.3 HOW WE USE YOUR INFORMATION

Your personal data is used to:
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• Provide and personalize our services.
• Verify your identity.
• Offer tailored financial recommendations.
• Enhance platform functionality and improve user experience.
•Conduct research and analytics. We may use anonymized data for statistical purposes to develop and improve our services without identifying any individual.

1.4 SHARING YOUR INFORMATION

We may share your data with trusted third-party providers who assist us in delivering our services.

These providers include:

• Plaid: For transaction processing and bank account integration.
• Amazon Web Services (AWS): For secure data storage.
• Replit: For data storage and hosting
• Google Cloud Services
• OpenAI: For analyzing data
All third-party providers are contractually obligated to protect your data and use it only for the purposes outlined in this policy.

1.5 DATA RETENTION

We retain your data for as long as necessary to fulfill the purposes outlined in this policy, comply with legal obligations, or resolve disputes. Upon account deletion, we will securely erase your data within 30 days, except for information required for compliance or fraud prevention.

1.6 YOUR RIGHTS

You have the following rights regarding your personal data:
1. Access: Request access to the personal data we hold about you.
2. Correction: Correct any inaccuracies in your data.
3. Deletion: Request the deletion of your data where legally permissible.
4. Objection: Object to the processing of your data for specific purposes.
5. Portability: Request a copy of your data in a machine-readable format.
6. Withdraw Consent: Withdraw consent for processing your data at any time.

To exercise these rights, contact us at admin@felipa.io.

1.6 COOKIES AND TRACKING

Felipa.io uses cookies and similar tracking technologies to improve your experience and gather analytics.

These include:
• Essential Cookies: Required for the platform to function.
• Analytics Cookies: To track usage and improve our services.
• Marketing Cookies: To deliver relevant advertisements.You can manage your cookie preferences through your browser settings.

1.7 SECURITY MEASURES

We implement robust technical and organizational measures to protect your personal data, including encryption, secure data storage, and regular security assessments.

1.8 CHANGES TO THIS POLICY

We may update this privacy policy periodically. Significant changes will be communicated via email or platform notifications. The most current version will always be available on our website.

CONTACT US
For any privacy-related inquiries or concerns, please reach out to:
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Email: admin@felipa.io