Effective Date: 20 August 2026
Last Updated: August 24, 2026

Hutsy Financial Corp. (“Hutsy,” “we,” “us,” or “our”) respects your privacy and is committed to protecting the personal information we collect and process.

This Privacy Policy explains how Hutsy collects, uses, stores, shares, and protects information when you use Hutsy’s website, text-message-based financial assistant, connected financial account features, artificial intelligence features, subscription services, and related products and services (collectively, the “Services”).

Hutsy is primarily a text-message-based financial service. You may interact with Hutsy through SMS or other supported messaging channels, our website, payment pages, account-connection interfaces, and third-party services.

By using Hutsy, you acknowledge the practices described in this Privacy Policy.

1. Information We Collect

The information we collect depends on how you use Hutsy.

A. Information You Provide Directly

We may collect information you provide to us, including:

• Name;
• Phone number;
• Email address;
• Date of birth or age information;
• Location information;
• Account-registration information;
• Customer-support communications;
• Financial goals and preferences;
• Information you provide in conversations with Hutsy;
• Responses to questions asked by Hutsy;
• Feedback;
• Survey responses; and
• Other information you voluntarily provide.

Because Hutsy operates primarily through text messaging, messages you send to Hutsy may be stored and processed as part of providing the Services.

2. Text Message Content

When you communicate with Hutsy by text message, we may collect and process:

• The content of your messages;
• Message timestamps;
• Phone number;
• Conversation history;
• Responses generated by Hutsy;
• Links clicked;
• Actions taken through the conversation; and
• Information inferred from your interactions with the Services.

We use this information to provide personalized financial assistance, maintain conversation context, improve the quality of Hutsy’s responses, detect problems, provide customer support, and improve the Services.

3. Connected Financial Account Information

Hutsy allows users to connect financial accounts through third-party financial-data providers, including providers such as Plaid.

When you connect a financial account, Hutsy may receive financial information made available by the applicable provider.

Depending on the account and provider, this may include:

• Financial institution name;
• Account type;
• Account identifiers;
• Account balances;
• Transactions;
• Merchant information;
• Income and deposit information;
• Spending information;
• Cash-flow information;
• Recurring payments;
• Account activity;
• Available balances; and
• Other financial information made available through the connection.

Hutsy uses this information to provide personalized financial insights, analyze spending and cash flow, answer questions, generate financial action plans, provide proactive alerts or coaching, and improve the Services.

Hutsy does not generally receive or store your online banking username or password. Those credentials are handled by the applicable financial-data provider.

4. Payment and Subscription Information

If you purchase a Hutsy subscription, we and our payment processors may collect information related to your payment and subscription.

This may include:

• Payment status;
• Subscription status;
• Billing date;
• Amount charged;
• Failed payment attempts;
• Successful payment attempts;
• Cancellation status;
• Renewal information;
• Payment-method identifiers; and
• Transaction history.

Hutsy may use third-party payment processors to handle payment-card information.

Hutsy may not directly store your complete payment-card number.

5. Information We Collect Automatically

When you use Hutsy’s website or Services, we may automatically collect certain technical and usage information, including:

• IP address;
• Browser type;
• Device type;
• Operating system;
• Approximate geographic location;
• Referral source;
• Pages viewed;
• Links clicked;
• Session information;
• Login activity;
• Usage timestamps;
• Feature usage;
• Interaction history;
• Error logs;
• Analytics events; and
• Other technical information about how you interact with Hutsy.

We may use cookies, pixels, analytics tools, and similar technologies on our website where applicable.

6. Information From Third Parties

Hutsy may receive information from third parties, including:

• Financial-data providers;
• Banks and financial institutions;
• Payment processors;
• Lending or financial-product partners;
• Analytics providers;
• Advertising platforms;
• Customer-support providers;
• Identity-verification providers;
• Referral partners; and
• Other service providers.

The information we receive depends on the relationship and the feature being used.

7. How We Use Information

Hutsy may use personal information to:

• Provide and operate the Services;
• Authenticate users;
• Maintain user accounts;
• Deliver Hutsy through text messaging;
• Analyze financial information;
• Generate personalized financial insights;
• Answer financial questions;
• Identify spending and cash-flow patterns;
• Create personalized financial action plans;
• Provide ongoing financial coaching;
• Send relevant alerts, reminders, and follow-ups;
• Improve AI-generated responses;
• Maintain conversation context;
• Process subscription payments;
• Retry authorized failed payments where permitted;
• Manage cancellations and subscriptions;
• Provide customer support;
• Diagnose technical issues;
• Detect fraud, abuse, or security incidents;
• Improve Hutsy’s products and features;
• Measure engagement and retention;
• Analyze how users interact with Hutsy;
• Develop new features;
• Comply with legal obligations;
• Enforce our Terms of Service; and
• Protect Hutsy, our users, and our partners.

8. Artificial Intelligence

Hutsy uses artificial intelligence and automated systems to provide personalized financial assistance.

When you use Hutsy, information may be processed by AI systems in order to:

• Understand your questions;
• Analyze your financial information;
• Generate responses;
• Identify financial patterns;
• Create personalized insights;
• Build action plans;
• Recommend next steps;
• Maintain conversational context; and
• Improve the quality of the Services.

Depending on the feature, information processed by AI systems may include:

• Text messages;
• User-provided information;
• Financial account summaries;
• Transaction information;
• Balances;
• Spending patterns;
• Income information;
• Cash-flow information; and
• Other relevant account or usage information.

Hutsy may use third-party AI providers to help operate the Services.

Where appropriate, Hutsy may minimize, summarize, mask, tokenize, de-identify, or otherwise reduce information before sending it to third-party AI providers.

9. Improving Hutsy Using Customer Interactions

Hutsy may review conversations and usage information to understand:

• What customers are trying to accomplish;
• Where Hutsy is creating value;
• Where responses are confusing or ineffective;
• Why customers stop using Hutsy;
• Which features are most useful; and
• How the product can be improved.

Authorized Hutsy personnel may review customer conversations for product improvement, customer support, quality assurance, safety, fraud prevention, troubleshooting, and service improvement.

Where feasible, we may use aggregated, anonymized, or de-identified data for analytics and product development.

10. Communications

Because Hutsy is primarily delivered through text messaging, we may use your phone number to provide:

• Responses to your messages;
• Personalized financial insights;
• Account notifications;
• Subscription notifications;
• Billing information;
• Security alerts;
• Connected-account notifications;
• Financial coaching;
• Follow-up messages; and
• Other communications necessary to provide the Services.

Where required by law, marketing or promotional text messages will be subject to separate consent requirements.

Message and data rates may apply depending on your wireless carrier.

You may use applicable opt-out mechanisms for certain communications.

Opting out of messages necessary to provide Hutsy’s text-based service may limit or prevent your ability to use the Services.

11. How We Share Information

Hutsy may share information with third parties where necessary to operate the Services. These may include:

Financial-Data Providers
Such as Plaid and similar providers used to connect financial accounts.

Artificial Intelligence Providers
Providers that help Hutsy process messages, generate responses, analyze data, or operate AI features.

Payment Processors
Providers used to process subscription payments and manage billing.

Messaging Providers
Telecommunications, SMS, and messaging infrastructure providers.

Cloud and Infrastructure Providers
Hosting, database, security, and infrastructure providers.

Analytics Providers
Providers that help us understand how users interact with Hutsy.

Customer-Support Providers
Providers that help us manage customer inquiries and support.

Financial-Product Partners
Where you choose to explore third-party financial products, we may share or facilitate the transmission of information necessary for the relevant provider to process your request, subject to applicable disclosures and consent requirements.

12. We Do Not Sell Your Financial Data

Hutsy does not sell your connected financial-account information to data brokers.

We do not sell your bank transaction history for third parties to use for unrelated advertising purposes.

If our practices change in a way that legally constitutes a “sale” or “sharing” under applicable privacy law, we will provide any notices and rights required by law.

13. Advertising and Marketing

Hutsy may use advertising platforms such as Meta, Google, TikTok, or similar providers to advertise Hutsy and measure marketing performance.

Depending on the technologies used, these providers may receive limited information such as:

• Device information;
• IP address;
• Website activity;
• Referral information;
• Conversion events; and
• Advertising identifiers.

Hutsy does not intentionally provide connected bank transaction information to advertising platforms for targeted advertising.

14. Aggregated and De-Identified Information

Hutsy may create aggregated, statistical, or de-identified information that does not reasonably identify an individual user.

We may use this information for:

• Product development;
• Analytics;
• Research;
• Business intelligence;
• Service improvement;
• Performance measurement; and
• Other lawful business purposes.

15. Data Retention

Hutsy retains personal information for as long as reasonably necessary to:

• Provide the Services;
• Maintain customer accounts;
• Fulfill the purposes described in this Privacy Policy;
• Comply with legal obligations;
• Resolve disputes;
• Maintain security;
• Prevent fraud;
• Enforce agreements; and
• Protect Hutsy’s legal rights.

Different categories of information may be retained for different periods.

After information is no longer required, Hutsy may delete, anonymize, aggregate, or otherwise securely dispose of it, subject to applicable legal requirements and legitimate business needs.

16. Account Deletion

You may request deletion of your Hutsy account by contacting Hutsy Customer Experience or using any deletion method made available through the Services.

When you request deletion, Hutsy may delete or de-identify personal information associated with your account, subject to:

• Legal retention requirements;
• Fraud-prevention requirements;
• Financial-recordkeeping obligations;
• Security requirements;
• Dispute-resolution needs;
• Backup retention periods; and
• Other lawful purposes.

Certain aggregated or de-identified information may remain after account deletion because it can no longer reasonably identify you.

17. Disconnecting Financial Accounts

You may disconnect connected financial accounts using methods made available through Hutsy or the applicable third-party provider.

Disconnecting an account may prevent Hutsy from receiving new financial information from that account.

Previously received information may be retained in accordance with this Privacy Policy and applicable law.

Disconnecting your bank account does not automatically cancel your Hutsy subscription.

18. Security

Hutsy uses administrative, technical, and organizational safeguards designed to protect personal information.

These safeguards may include:

• Encryption;
• Access controls;
• Authentication systems;
• Secure infrastructure;
• Logging and monitoring;
• Restricted employee access;
• Vendor-security practices; and
• Other reasonable security measures.

However, no system can guarantee absolute security.

You are responsible for protecting access to your phone, email account, and other credentials used with Hutsy.

Because Hutsy operates through text messaging, anyone with access to your phone or messages may be able to view communications from Hutsy.

19. Children

Hutsy is not intended for individuals under the age of 18.

We do not knowingly offer Hutsy accounts to children.

If we learn that we have collected personal information from someone under 18 in violation of applicable law, we may delete the information and terminate the account.

20. Your Privacy Rights

Depending on where you live, you may have rights concerning your personal information.

These rights may include the right to:

• Request access to personal information;
• Request correction of inaccurate information;
• Request deletion;
• Request information about how data is used;
• Obtain a copy of certain information;
• Object to or restrict certain processing;
• Withdraw certain consent;
• Opt out of certain marketing communications; and
• Exercise other rights provided by applicable privacy law.

Some rights may be subject to legal exceptions.

We may need to verify your identity before completing a privacy request.

21. Canadian Privacy Rights

For users in Canada, Hutsy processes personal information in accordance with applicable Canadian privacy laws.

Depending on the province and circumstances, this may include requirements under federal or provincial privacy legislation.

Canadian users may contact Hutsy to request access to or correction of personal information or to ask questions about Hutsy’s privacy practices.

22. United States Privacy Rights

Residents of certain U.S. states may have additional rights under state privacy laws.

Depending on the applicable law, these may include rights to:

• Know what personal information Hutsy collects;
• Access personal information;
• Correct inaccurate information;
• Delete certain personal information;
• Obtain copies of certain information;
• Opt out of certain forms of data processing; and
• Appeal certain privacy decisions.

Hutsy will honor applicable rights as required by law.

23. International Processing

Hutsy and its service providers may process or store information in Canada, the United States, or other jurisdictions.

This means your information may be subject to the laws of jurisdictions other than where you live.

Hutsy takes reasonable steps to protect personal information when using service providers that process information on our behalf.

24. Third-Party Services

Hutsy may link to or integrate with third-party services.

Those third parties may have their own privacy policies and data practices.

Hutsy is not responsible for the privacy practices of independent third parties.

We encourage users to review the privacy policies of any third-party financial product, lender, service provider, or website they choose to use.

25. Business Transfers

If Hutsy is involved in a merger, acquisition, financing, reorganization, sale of assets, bankruptcy, or similar transaction, personal information may be transferred as part of that transaction, subject to applicable law.

Any successor organization may continue to use information in accordance with this Privacy Policy unless otherwise required by law.

26. Legal and Safety Disclosures

Hutsy may disclose information when we reasonably believe disclosure is necessary to:

• Comply with law;
• Respond to lawful legal process;
• Respond to government or regulatory requests;
• Protect Hutsy’s rights;
• Protect users;
• Prevent fraud;
• Investigate abuse;
• Enforce our Terms of Service;
• Protect security; or
• Prevent harm.

27. Changes to This Privacy Policy

Hutsy may update this Privacy Policy from time to time.

When we make material changes, we may provide notice through:

• Text message;
• Email;
• Our website; or
• Other reasonable methods.

The updated Privacy Policy will include the date it was last revised.

28. Contact Us

If you have questions about this Privacy Policy, want to exercise a privacy right, or want more information about Hutsy’s data practices, contact:

Hutsy Financial Corp.
Email: contact@hutsy.com
Website: https://hutsy.com