Privacy Policy

1. Introduction

Welcome to Shekla AI ("we," "our," or "us"). We are committed to protecting your personal information and your right to privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website www.shekla.ai and use our AI-powered personal finance tools. If you have questions or concerns about this policy, please contact us at [email protected].

2. Information We Collect

We collect information that you provide directly to us, information collected automatically when you use our services, and information from third-party services you connect.

Information You Provide

• Account registration information (name, email address)
• Financial data you enter manually (budget amounts, goals, debt balances)
• Assessment responses from the Money Reset Score tool
• Communications you send to us

Information Collected Automatically

• Log data (IP address, browser type, pages visited, time spent)
• Device information (operating system, device identifiers)
• Usage data (features used, clicks, interactions)
• Cookies and similar tracking technologies

Information from Third Parties

• Plaid: If you connect a bank account, we receive read-only access to your transaction history and account balances through Plaid's secure API. We do not store your bank credentials.
• Stripe: Payment processing is handled by Stripe. We do not store your full card number or CVV.

3. How We Use Your Information

We use the information we collect to:

• Provide, operate, and improve our services
• Personalize your AI financial coaching experience
• Process payments and manage subscriptions
• Send transactional emails (receipts, account updates)
• Respond to your questions and support requests
• Analyze usage trends to improve our tools
• Comply with legal obligations

We do not sell your personal information to third parties. We do not use your financial data for advertising purposes.

4. Sharing Your Information

We may share your information in the following limited circumstances:

• Service Providers: We share data with trusted vendors who help us operate our services (Plaid, Stripe, cloud hosting providers). These parties are contractually obligated to protect your data.
• Legal Requirements: We may disclose information if required by law, court order, or government request.
• Business Transfers: In the event of a merger, acquisition, or sale of assets, your information may be transferred as part of that transaction.

5. Data Security

We implement industry-standard security measures to protect your information, including TLS encryption for data in transit, encrypted storage for sensitive data, and access controls limiting who can view your information. However, no method of transmission over the internet is 100% secure, and we cannot guarantee absolute security.

6. Cookies

We use cookies and similar technologies to maintain your login session, remember your preferences, and analyze how our services are used. You can control cookies through your browser settings. Disabling cookies may affect the functionality of certain features.

7. Your Rights and Choices

Depending on your location, you may have the following rights:

• Access: Request a copy of the personal data we hold about you.
• Correction: Request correction of inaccurate data.
• Deletion: Request deletion of your account and associated data.
• Portability: Request your data in a machine-readable format.
• Opt-out: Unsubscribe from marketing emails at any time using the link in any email we send.

To exercise any of these rights, contact us at [email protected].

8. Children's Privacy

Shekla AI is not directed to children under the age of 13. We do not knowingly collect personal information from children under 13. If you believe we have inadvertently collected such information, please contact us at [email protected] and we will promptly delete it.

9. Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of material changes by posting the new policy on this page and updating the "Last updated" date. Your continued use of Shekla AI after any changes constitutes your acceptance of the updated policy.

10. Contact Us

If you have questions, concerns, or requests regarding this Privacy Policy or our data practices, please contact us: