Privacy Policy

1. Who We Are

Lucid Swapworthen ("we", "us", "our") provides AI-assisted data analysis and decision-support tools for family financial oversight. This policy applies to all visitors, users, and customers who interact with our website and services (collectively, the "Services").

2. Information We Collect

We may collect the following categories of information, depending on how you interact with us:

• Account information: name, email address, phone number, and login credentials provided when you register for or request access to the Services.
• Financial and household data: information you choose to upload, connect, or input into the Services for the purpose of analysis and reporting, such as account summaries, transaction records, or statements.
• Communications: messages, support requests, and feedback you send to us through contact forms, email, or other channels.
• Usage and device data: information collected automatically, including IP address, browser type, device identifiers, pages visited, and timestamps, typically gathered through cookies or similar technologies.
• Marketing preferences: information about your communication preferences, such as newsletter sign-ups or opt-outs.

3. How We Use Information

We use collected information to:

• Provide, operate, and maintain the Services, including AI-assisted analysis and reporting features;
• Create and manage user accounts and respond to support requests;
• Improve, test, and develop new features and functionality;
• Monitor usage patterns and maintain the security and integrity of our systems;
• Send administrative communications, service updates, and, where you have consented, marketing communications;
• Comply with legal obligations and enforce our terms of use.

4. Legal Bases for Processing

Where applicable law requires a legal basis for processing personal data, we rely on one or more of the following: performance of a contract with you, your consent, compliance with a legal obligation, and our legitimate interests in operating, securing, and improving the Services.

5. How We Share Information

We do not sell personal information. We may share information with:

• Service providers: third-party vendors who perform functions on our behalf, such as hosting, analytics, customer support, and payment processing, under contractual confidentiality obligations.
• Legal and compliance purposes: where required to comply with applicable law, regulation, legal process, or governmental request, or to protect the rights, property, or safety of Lucid Swapworthen, our users, or others.
• Business transfers: in connection with a merger, acquisition, reorganization, or sale of assets, subject to confidentiality arrangements.

6. Data Security

We implement reasonable administrative, technical, and organizational measures designed to protect information against unauthorized access, loss, misuse, or alteration. However, no method of transmission or storage is completely secure, and we cannot guarantee absolute security of information submitted to us.

7. Data Retention

We retain personal information for as long as necessary to provide the Services, comply with legal obligations, resolve disputes, and enforce our agreements. When information is no longer needed for these purposes, we take reasonable steps to delete or anonymize it.

8. Your Rights and Choices

Depending on your jurisdiction, you may have rights to access, correct, delete, or port your personal information, to object to or restrict certain processing, and to withdraw consent where processing is based on consent. To exercise any of these rights, please contact us using the details on our Contact page. We will respond to verified requests within a reasonable timeframe and in accordance with applicable law.

9. Cookies and Tracking Technologies

We use cookies and similar technologies to operate our website, remember preferences, and analyze usage. You can control cookie settings through your browser; disabling certain cookies may affect the functionality of the Services.

10. Third-Party Links and Services

Our Services may contain links to third-party websites or integrate with third-party tools. We are not responsible for the privacy practices of third parties, and we encourage you to review their respective privacy policies.

11. International Data Transfers

If we transfer personal information across borders, we take steps intended to ensure that such transfers comply with applicable data protection laws and that appropriate safeguards are in place.

12. Children's Privacy

Our Services are intended for use by adults managing household and family financial matters. We do not knowingly collect personal information directly from children, and the Services are not directed to children.

13. Changes to This Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or for operational, legal, or regulatory reasons. We will post the revised policy with an updated effective date, and material changes may be communicated through the Services or by other reasonable means.

14. Contact Us

If you have questions, concerns, or requests regarding this Privacy Policy or our data practices, please reach out via our Contact page.

This document is a general template provided for informational purposes and does not constitute legal advice. It should be reviewed by a qualified professional to ensure compliance with applicable laws and regulations relevant to your specific operations and jurisdictions.