Privacy Policy

Ozzie Technologies, Inc. (“Ozzie” or “we,” “us” or “our”) respects your privacy. This Privacy Policy (“Policy”) describes how we collect, use, protect and share your Personal Information when you use our website www.ozziemoney.com (“Site”), our mobile applications (“Ozzie App”), Ozzie Chat, WhatsApp-enabled services, customer-support experiences, and other services we provide (collectively, the “Services”).

If you have any questions about our privacy practices, please contact us by email at hello@ozzieapp.com.

1. Personal Information

For purposes of this Policy, “Personal Information” means information that alone or in combination identifies, relates to, describes, is reasonably capable of being associated with, or could reasonably be linked, directly or indirectly, with a natural person. Personal Information does not include information that has been deidentified or aggregated in a way that it cannot be used to identify a specific individual.

2. Categories of Personal Information We Collect

We may collect the following categories of Personal Information when you visit our Site, use our Ozzie App, or otherwise interact with us:

• Identifiers: Name, email address, phone number, user or account identifier, IP address, language preference, device timezone and similar information.
• Financial Information: Information you provide about your income, expenses, transactions, savings, savings goals, debts and other financial obligations, investments, account balances, income sources, currencies and other information about your financial circumstances. This may include information extracted from receipts, statements or other documents you choose to provide.
• Account and Communications Information: Account information and communications with Ozzie, including messages you send through the Ozzie App or supported messaging channels.
• Household Information: Information you choose to provide about your household or family circumstances, such as whether you have children, when relevant to your financial plan.
• Internet and Technical Information: IP address and certain technical information necessary to operate, secure and protect the Services.
• Inferences: Inferences we generate from information you provide, including your money personality, financial attitudes and preferences, behavioral patterns or tendencies, and other insights used to personalize your financial experience.
• Subscription and Billing Information: Information about your Ozzie Plus subscription and purchases, such as the store through which you subscribed, subscription status, plan, trial status, renewal or expiration information, transaction or purchase identifiers, and refund or billing status. Apple or Google processes your payment method; Ozzie does not receive your full payment-card number for mobile subscriptions.
• Customer Support Information: Information you provide when requesting support, including support messages, case information, screenshots, attachments, and relevant account or conversation context needed to understand and resolve your request.
• Marketing and Attribution Information: Information about how you found or came to Ozzie, including referral sources, campaign information, and parameters contained in links you use to access Ozzie, such as UTM source, medium, campaign, or similar attribution information.

3. Sources From Which We Collect Personal Information

Directly from You

We collect your Personal Information directly from you, for example when you access, use, or otherwise interact with our Ozzie App or Site, create an account or request information from us.

Automatically Through Your Use of the Services

We may automatically collect certain technical and usage information when you access the Site or Services, such as your IP address, device or browser information, and information needed to operate, secure, and understand use of the Services.

On our Site, this may include information collected through cookies and similar technologies, as described below. Our mobile application does not currently use third-party advertising SDKs or cross-app advertising identifiers.

From Third Parties

We may receive Personal Information from third parties involved in providing the Services, including Apple and Google in connection with subscriptions and purchases; messaging and communications providers; and, where applicable, advertising, referral, or analytics providers.

From Campaign and Referral Links

We may receive information from links through which you access Ozzie. For example, a campaign or referral URL may contain UTM parameters or similar information identifying the source, campaign, or channel that led you to Ozzie. We may associate this information with your account or CRM record to understand how users find Ozzie and measure our marketing.

4. Purpose For Which We Collect Personal Information

We collect and use Personal Information for the following purposes:

Communications: To communicate with you through emails, calls, on-line chat or texts; to provide you with alerts, updates, newsletters, promotions, and other information; to communicate with you regarding updates to the Ozzie App, the Site or the Services we provide; to respond to you when you contact us; to send technical notices, updates, security alerts, support and administrative messages; and to notify you of changes to our terms or this Policy.

Account Creation: We may use your Personal Information to create and service your Ozzie App or online account with us.

Subscriptions and Billing: We use subscription and transaction information received from Apple or Google to activate and maintain Ozzie Plus access, understand subscription status, restore purchases, provide billing support, process or respond to eligible refund requests, prevent billing errors or abuse, and maintain appropriate transaction records.

To Operate and Improve the Services, the Ozzie App and the Site. To analyze, operate, maintain, support and improve our Services, our Site and our Ozzie App.

Personalization and Money Personality: We use information you provide, your interactions with the Services, and insights derived from that information to personalize your experience. This may include generating Money Personality, behavioral, financial-preference, or other insights used to tailor financial plans, recommendations, communications, and features.

Research, Development, and Improvement. We may use information to research, test, develop, evaluate, and improve Ozzie, including its personalization systems, financial tools, user experience, and models. Where appropriate, we may use aggregated or deidentified information for these purposes.

AI-Powered Services. Certain Ozzie features use artificial intelligence to understand user requests, personalize financial guidance, interpret financial information, categorize information, assist with customer support, and provide other features of the Services.

Ozzie currently uses Anthropic as its third-party AI service provider for AI-powered features.

With your applicable permission, information processed by an AI provider on Ozzie's behalf may include your name; messages and relevant conversation context; financial information such as income, budgets, spending, savings and financial goals; Money Personality and personalization information; information about your financial plan and progress; information contained in receipts or financial statements you choose to provide; prior corrections or categorizations; and, when you use AI-powered Customer Support, support messages, screenshots, or other information you provide in connection with the support request.

Ozzie obtains the applicable permission before sending Personal Information to third-party AI providers for AI-powered features. If you decline or withdraw that permission, Ozzie will stop sending information for AI processing covered by that permission. Features that require AI processing may no longer be available, but you may continue to use applicable non-AI features and human Customer Support.

Anthropic processes information on Ozzie's behalf under its applicable commercial privacy, security, and data-processing terms.

Business Purposes: We may use Personal Information for our business purposes such as to (1) operate our business, the Services, the Site and the Ozzie App; (2) carry out our obligations and enforce our rights arising from any contracts we have entered into, including, without limitation, any contracts between you and us; (3) conduct statistical or demographic analysis; (4) prevent fraud; (5) assess the success of our marketing and advertising campaigns; (6) administer subscriptions and maintain billing and transaction records; (7) inform our business strategies; (8) operate our information technology systems; (9) perform research and development; (10) administer surveys and solicit feedback and (11) engage in other business purposes permitted under applicable law.

Marketing and Attribution: We use referral, campaign, UTM, website analytics, and similar information to understand how people discover Ozzie, measure the performance of marketing campaigns, understand which channels and messages are effective, and improve our marketing activities.

Analytics: We use Personal Information to improve the Services, the content of our Site and our Ozzie App and to enhance your user experience when visiting our Site, using the Ozzie App or using the Services. We use Personal Information to generate statistical information about the usage and traffic patterns of our Site, the Ozzie App and the Services and to prevent fraud.

Law Enforcement/Legal Purposes: We may use Personal Information to respond to requests from law enforcement or for other legal purposes including to: (1) comply with legal and regulatory requirements; (2) satisfy contractual obligations; (3) cooperate with law enforcement or other governmental agencies for purposes of investigations, public safety or matters of public importance when we are legally required to do so or believe that disclosure of Personal Information is necessary or appropriate to protect the public interest; and (4) protecting and defending against legal actions or claims.

At Your Direction: We may use Personal Information for any other purpose which you authorize.

Customer Support. We use Personal Information to authenticate users where appropriate, understand and respond to support requests, investigate account or billing problems, resolve technical issues, prevent fraud or abuse, maintain appropriate support records, and improve our support operations.

5. Disclosing and Sharing Personal Information

We may share or disclose with service providers or other third parties certain Personal Information that we, or third parties acting on our behalf, have collected. We may disclose or share such Personal Information with the following parties:

Service Providers: We disclose Personal Information to service providers that process information on our behalf and help us operate, secure, support, and improve the Services.

Depending on the Services you use, these providers currently include:

• Anthropic — artificial intelligence processing;
• Google Cloud — cloud infrastructure, databases, storage, and related services;
• Cloudflare — network, routing, and security services;
• Twilio — WhatsApp and communications services;
• Loops — lifecycle and marketing communications;
• Google — applicable email and service-delivery functions.

Our service providers may change over time as we change the infrastructure or vendors used to provide the Services.

App Stores and Billing Processors: If you purchase Ozzie Plus through the Apple App Store or Google Play, the applicable store processes your payment and provides Ozzie with information needed to confirm and manage your subscription, such as transaction or purchase identifiers and subscription status. Ozzie does not receive your full payment-card number for these purchases.

We may exchange information with Apple or Google as needed to validate purchases, restore subscriptions, manage entitlements, investigate billing problems, and handle refunds or other billing-related matters.

AI Provider: We disclose Personal Information to Anthropic as described in the “AI-Powered Services” section above.

Analytics and Advertising Providers: We may disclose limited website, device, referral, campaign, or activity information to analytics and advertising providers to measure Site usage, understand campaign effectiveness, and, where enabled, support advertising or remarketing. These providers may include Google and Meta.

The technologies used, information involved, and choices available to you may vary depending on the provider and applicable law.

6. Cookies and Other Tracking Technologies

We use cookies, pixels, and similar technologies on our Site. These technologies may allow the Site or our service providers to recognize a browser or device, remember preferences, understand Site usage, measure marketing performance, and support advertising where enabled.

Our mobile application does not currently use third-party advertising SDKs, cross-app tracking identifiers, or third-party advertising analytics technologies.

Analytics and Advertising Technology

We use Google Analytics on our Site to help us understand how visitors interact with the Site, including information such as pages visited, approximate location, browser and device information, and other usage information. Google may use cookies or similar technologies to provide these services to us.

We may also use advertising and remarketing technologies on our Site, including technologies provided by Meta, such as the Meta Pixel or Custom Audiences, to measure the effectiveness of our advertising, understand how visitors interact with our Site, and show Ozzie advertisements to relevant audiences on third-party platforms.

Links to Ozzie may contain campaign or referral parameters, including UTM parameters. We may collect and retain those parameters to understand how a visitor or user found Ozzie and to measure campaign performance. Campaign parameters can be received through the URL itself and do not necessarily depend on cookies or advertising SDKs.

These technologies apply to our website. The Ozzie mobile application does not currently use third-party advertising SDKs, cross-app tracking identifiers, or advertising analytics technologies.

You may be able to manage or limit cookies and similar technologies through your browser settings or other privacy controls made available by the applicable provider.

7. Your Privacy Choices

We offer you several choices with respect to how we use your Personal Information.

Account Information

You may update certain account information through the Ozzie App. For account-specific assistance, you may use the authenticated Ozzie Support experience available through the Services.

Account Deletion

You may delete your Ozzie account using the account-deletion controls in the Ozzie App. Account deletion is separate from cancellation of an Apple App Store or Google Play subscription.

AI Processing

You may manage your permission for applicable AI data processing through Settings → Privacy → AI data processing in the Ozzie App.

If you withdraw permission, Ozzie will stop sending information for the AI processing covered by that permission. Features requiring that processing may no longer be available. Applicable non-AI features, account/privacy controls, and human Customer Support remain available.

Marketing Communications

If you opt in to receive marketing communications from us, we may collect your name, email address, and phone number. We may use this information to send promotional communications by email, text message, WhatsApp, or other electronic channels you have agreed to receive. We may use third-party providers to deliver these communications. You may opt out of marketing emails by using the unsubscribe link in the email. To opt out of text messages, reply “STOP.” You may opt out of WhatsApp marketing using the opt-out method provided in the message or by contacting us. Opting out of marketing communications does not opt you out of service, account, security, billing, or other transactional communications.

Cookies and Advertising

You may manage cookies through browser controls and any privacy choices made available on our Site or by the applicable analytics or advertising provider. Where applicable law provides a right to opt out of sale, sharing, or targeted advertising, we will provide or honor the required opt-out mechanism.

8. Social Media

Ozzie maintains accounts on third-party social-media services. If you interact with us through a social-media platform, the information you post or provide may be visible to Ozzie, the platform, and other users depending on your settings and the nature of the interaction.

Your use of a social-media service is governed by that provider's own privacy practices and terms.

9. Data Retention and Deletion

We retain Personal Information for as long as reasonably necessary to provide the Services, maintain your account and financial history, fulfill the purposes described in this Policy, comply with legal and regulatory obligations, resolve disputes, prevent fraud and abuse, and enforce our agreements.

You may delete your Ozzie account at any time using the account-deletion controls in the Ozzie App. When you confirm deletion, we begin deleting or deidentifying Personal Information associated with your account.

We may retain limited information where required by law or reasonably necessary for purposes such as billing and transaction records, fraud prevention, security, dispute resolution, enforcement of our agreements, or technical backup and recovery. Certain information may remain temporarily in backups or with service providers subject to applicable deletion and retention processes.

Receipts and Financial Statements: When you upload a receipt or financial statement, Ozzie processes the document to identify relevant financial information. Depending on the feature and your AI-processing permission, the document or information extracted from it may be processed by one of Ozzie's AI service providers. Transaction or financial information you confirm may be retained as part of your Ozzie account and financial history. Uploaded documents and temporary processing files are retained only as reasonably necessary for the applicable processing, support, security, or other purposes described in this Policy.

Customer Support Retention: We retain Customer Support records for as long as reasonably necessary to provide support, maintain appropriate business and security records, investigate or resolve issues and disputes, comply with legal obligations, and improve our support operations.

10. International Processing

Ozzie is based in the United States. Personal Information may be processed and stored in the United States and in other countries where Ozzie or its service providers operate. Privacy and data-protection laws in those countries may differ from the laws where you live. Where required by applicable law, Ozzie uses appropriate mechanisms for international transfers of Personal Information.

Security of Information

We are committed to protecting the security of your Personal Information. We use commercially reasonable safeguards to maintain the security and privacy of Personal Information we collect and use in connection with our Services, the Site and the Ozzie App.

Children's Privacy

The Services are intended only for individuals who are at least 18 years old. We do not knowingly permit individuals under 18 to create or use an Ozzie account.

If we learn that we have collected Personal Information from someone under 18 in violation of this requirement, we will take appropriate steps to delete the information and terminate or restrict the account as appropriate.

If you believe that someone under 18 has provided Personal Information to Ozzie, please contact us at hello@ozzieapp.com.

State Privacy Rights

Depending on where you live and whether a particular privacy law applies to Ozzie, you may have rights regarding your Personal Information. These may include rights to request access to or information about your Personal Information; request correction or deletion; obtain a portable copy of certain information; opt out of certain sales, sharing, targeted advertising, or profiling; limit certain uses of sensitive Personal Information; or appeal a decision regarding a privacy request.

These rights are subject to applicable legal requirements, exceptions, and verification procedures. To submit a privacy request, contact us at hello@ozzieapp.com.

Changes and Updates to This Policy

We may update this Policy from time to time. When we make material changes, we will update the “Last Updated” date and provide additional notice where required by applicable law.

Contact Us

We welcome your questions, comments, and concerns about privacy. Please contact us through the page on our Site or using the address below with any questions or feedback you have pertaining to our privacy practices.

Ozzie Technologies, Inc.

1178 Broadway, 3rd Floor, #3070

New York, NY 10001

hello@ozzieapp.com