Privacy Policy

Effective November 6, 2026 - version 2026-11-06

What personal information Money Globe X collects, why, how it is protected and the choices you have.

1. Information we collect

Account details: name, e-mail address, password (stored only as a secure hash), country and the plan you choose.

Subscription and payment records: plan, amounts, dates and status. Card details are entered on Stripe's secure page; we never see or store card numbers.

Identity verification, where required: the details and documents you provide, and the results of the checks (including a comparison of your photo with your document and a liveness check).

Exchange connections: the venue, the permission scope and masked key identifiers. API secrets are stored only in an encrypted server-side vault and are never sent back to your browser.

What you create: watchlists, alerts, journal notes, settings, support messages.

Waitlist sign-ups: your e-mail, first name, interests, the consent you gave (with its date, a one-way hash of your IP address and your browser type) and where you came from (for example a marketing link).

Technical and usage data: device, browser, logs, and an anonymous daily count of which app pages signed-in members open. Clicks on our marketing links are counted with a one-way hash of the IP address, never the address itself.

2. How we use information

To provide and secure the service, apply eligibility and compliance rules, process subscriptions, verify identity where required, send the e-mails you asked for (you can unsubscribe at any time), provide support, keep audit records and meet legal obligations. We use counts and anonymous statistics to improve the app.

3. Sharing and service providers

We do not sell personal information. We share it only with service providers acting for us, with the exchanges you connect (only to carry out your instructions), and where the law requires. Our main providers are: Stripe (payments), DigitalOcean (hosting), Brevo (e-mail), OpenAI (the in-app assistant and lesson voices - we send only the question or text needed), and our identity-verification provider. Some of them process data in the United States or other countries; their contracts require them to protect it.

4. Retention

We keep information only as long as needed for the purposes above: account information while your account is open; financial and tax records for the period the law requires (generally up to 7 years); identity-verification records for the period required by law or our compliance policy. When information is no longer needed, we delete or anonymise it.

5. Security

Encryption in transit and at rest for sensitive data, a dedicated secrets vault, two-step sign-in for staff, role-based access, audit logs and monitoring. No system is perfectly secure; if a breach creates a risk of significant harm, we notify you and the privacy regulators as the law requires.

6. Your rights

Depending on where you live (for example under PIPEDA, Quebec's Law 25 or the GDPR), you may ask to access, correct or delete your information, withdraw your consent, or receive your data in a portable format. You can also complain to a privacy regulator, such as the Office of the Privacy Commissioner of Canada or the Commission d'accès à l'information du Québec.

7. Privacy Officer and contact

Our Privacy Officer is responsible for this policy. Contact the Privacy Officer through the Contact page in the app, or by mail: Money Globe Fintech Incorporated, Attn: Privacy Officer, 1489 Marine Drive, PO Box 312, West Vancouver, BC V7T 1B8, Canada.

8. Changes

We post updates on this page with a new version date, and tell you by e-mail or in the app about important changes.