Privacy Policy

1. Information We Collect

We collect:

A. Personal Information

● Name
● Email
● Phone number (if applicable)
● Profile information

B. Financial Information

● Transaction data
● Deposit amounts
● Withdrawal data
● Linked card metadata (processed via Stripe/Plaid)

We do NOT store full card numbers.

C. Usage Data

● App activity
● Lock history
● Ad interaction data
● Device information

2. How We Use Your Information

We use data to:

● Provide wallet services
● Process payments
● Improve app performance
● Prevent fraud
● Provide customer support
● Comply with legal obligations

3. Data Sharing

We may share data with:

● Stripe (payment processing)
● AdMob (advertising analytics)
● Regulatory authorities (if legally required)
● Service providers under strict confidentiality agreements

We do NOT sell personal data.

4. Data Security

We implement:

● Encrypted data transmission (HTTPS)
● Secure Firebase infrastructure
● Access controls
● Role-based data restrictions

However, no system is 100% secure.

5. Data Retention

We retain:

● Transaction data for legal compliance
● Financial records as required by regulation
● Deleted account data in anonymized or archived form where legally required

6. User Rights

Depending on your jurisdiction, you may:

● Request access to your data
● Request correction
● Request deletion (subject to compliance limits)
● Withdraw consent

7. Children’s Privacy

The App is not intended for users under 18.

8. International Users

Your data may be processed in jurisdictions outside your country.

9. Changes to Privacy Policy

We may update this policy. Users will be notified via app updates.

Delete Account

You are about to permanently delete your TimeVault account.
Please review the following carefully:

What Will Be Deleted:

● Your profile information
● Login credentials
● App preferences
● AI chat history (if applicable)
● Non-financial activity data

What Will Be Retained (Legal & Compliance Reasons):

● Transaction history
● Wallet records
● Locked fund records
● Payment processing logs
● Compliance and audit records

Financial records are retained to comply with regulatory, tax, fraud prevention, and financial
reporting requirements

Important Notice About Locked Funds

If you currently have locked funds:

● Funds will remain subject to the original lock period.
● Funds cannot be withdrawn until the lock period expires.
● After expiration, funds must be claimed through the standard withdrawal process.

Deleting your account does NOT cancel active financial lock commitments.

This Action Is Permanent

Once confirmed:

● Your account cannot be restored.
● You will need to create a new account if you wish to use the app again.

[ Cancel ] [ Permanently Delete My Account ]