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Privacy Policy for My Plan Keeper Inc.

Effective January 1, 2025

At My Plan Keeper™, Inc. ("MPKAI," "we," "us," or "our"), your privacy is our priority. This Privacy Policy outlines how we collect, use, disclose, and protect your personal data when you use our website https://www.myplankeeper.ai (the “Site”) and our services (the "Services"), including AI-powered features supported by Microsoft OpenAI.

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1. Commitment to Data Privacy

We are committed to complying with global privacy regulations, including:

  • The Data Protection Act (DPA) 2018 (UK)

  • The General Data Protection Regulation (GDPR) (EU)

  • The California Consumer Privacy Act (CCPA) (US)

We ensure that your personal data is handled lawfully, fairly, and transparently.

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2. Data We Collect and Why

We collect the following categories of data to provide our Services:

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a. Personal Information You Provide Directly

  • Identity Data: Name, username, date of birth.

  • Contact Data: Email address, phone number, mailing address.

  • Account Data: Passwords and account preferences.

  • Financial Data: Information necessary to process payments (via Stripe).

b. Data Collected Automatically

  • Device Information: IP address, browser type, device type, operating system.

  • Usage Data: Pages visited, time spent, and interaction patterns.

c. Special Category Data (if applicable)

We do not intentionally collect sensitive data (e.g., health, biometrics), but some data may be inferred based on financial habits.

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3. How We Use Your Data

We use your personal data for the following purposes:

  1. Account Creation and Management: To verify your identity and maintain your user profile.

  2. Service Delivery: To provide and improve our financial planning and AI-powered services.

  3. AI-Generated Recommendations: Our AI features are powered by Microsoft OpenAI. We do not share your personal data for AI model training purposes.

  4. Marketing and Communication: To send you service updates, offers, and newsletters (with your consent).

  5. Legal Obligations: To comply with applicable laws, including fraud prevention.

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4. AI and Data Privacy

Microsoft OpenAI Integration

We use Microsoft OpenAI services to power personalized financial advice and interactive AI experiences. Microsoft OpenAI does not use your data to train its foundational models, per their privacy commitments.

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We ensure that:

  • Your data processed by OpenAI models remains secure and is used only to deliver the intended services.

  • We do not retain conversational history for purposes unrelated to service improvement.

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5. Data Sharing and Third-Party Integrations

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We may share your data only when necessary, as follows:

a. Service Providers

We work with third-party providers who support our Services (e.g., Plaid for financial data aggregation and Stripe for secure payments).

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b. Legal Requirements

We may disclose your data if required by law (e.g., responding to regulatory inquiries).

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c. No Sale of Personal Data

We do not sell or rent your personal information to any third parties.

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6. Your Rights (GDPR, DPA, CCPA)

You have the following rights regarding your data:

  • Access and Correction: Request a copy of the data we hold about you and correct any inaccuracies.

  • Data Portability: Receive a copy of your data in a commonly used format.

  • Erasure: Request deletion of your personal data (subject to legal exceptions).

  • Consent Withdrawal: Withdraw your consent for data processing at any time.

 

To exercise your rights, contact us at info@myplankeeper.com.

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7. Security Measures

We implement strong security measures to protect your personal data, including:

  • Encryption: All data is encrypted in transit (via SSL/TLS) and at rest.

  • Access Controls: Limited access to sensitive data only to authorized personnel.

  • Third-Party Security: We ensure that third-party providers adhere to strict data protection standards.

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8. Data Retention

We retain your data only as long as necessary to provide the Services or comply with legal obligations. When data is no longer needed, it is securely deleted.

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9. Cookies and Tracking Technologies

We use cookies to enhance your experience. You can manage your cookie preferences via your browser settings. Categories of cookies we use:

  • Essential Cookies: Necessary for site functionality.

  • Performance Cookies: Help us improve the Site by analyzing user interactions.

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10. International Data Transfers

If you access our Services from outside the U.S., your data may be transferred to our servers in the U.S. and processed according to this Privacy Policy. We implement safeguards to ensure your data remains protected.

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11. Children's Privacy

Our Services are not intended for children under the age of 13. We do not knowingly collect personal data from children. If we discover such data, we will delete it promptly.

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12. Changes to This Privacy Policy

We may update this Privacy Policy periodically to reflect changes in our practices or legal requirements. Changes will be posted on this page, and significant updates may be communicated via email or in-app notification.

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13. Contact Us

For privacy-related inquiries, please contact:

  • Email: info@myplankeeper.com

  • Phone: +1 (954)-466-8838

  • Address: 261 N University Dr S-500, Sunrise, FL 33324

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