Privacy Policy Effective Date: May, 2025

By using Hutsy, you consent to the practices outlined in this policy.

1. Information We Collect

We collect the following types of information:

• Personal Information: Name, email address, phone number, date of birth, and postal address (when required).
• Financial Information: Bank account details and transaction history, recurring income, bill payments, and spending patterns.
• Device & Usage Information: IP address, device type, browser, operating system, app usage statistics, and crash logs.
• Third-Party Integrations: Information collected via partners (e.g., Plaid) to securely access financial data.

2. How We Use Your Information

We use your information to:

• Monitor upcoming bills and detect low balances.
• Notify you about eligible bill coverage opportunities.
• Pay bills on your behalf when authorized.
• Schedule and collect repayments.
• Provide customer support.
• Improve and optimize our app and services.
• Comply with legal obligations.

3. How We Share Information

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

• Service Providers: Payment processors, cloud services, and other vendors that help operate our Platform.
• Bank Data Aggregators: Partners like Plaid to securely access your financial accounts.
• Lending or Financial Partners: For underwriting or reporting purposes.
• Law Enforcement or Regulators: When required by law.
• Buyers/Investors: If Hutsy is involved in a merger, acquisition, or other business transaction.

4. Your Choices and Rights

Depending on your jurisdiction (e.g., under GDPR, PIPEDA, or CCPA), you may have the right to:

• Access or update your information.
• Request deletion of your data.
• Object to or limit certain types of data processing.
• Withdraw consent at any time (if applicable).

To exercise your rights, contact us at contact@hutsy.com.

5. Data Security

We use industry-standard encryption and secure infrastructure to protect your personal and financial data. However, no system is 100% secure, so we encourage you to use strong passwords and keep your login credentials confidential.

6. Data Retention

We retain your data only as long as necessary to:

• Provide our services.
• Comply with legal and regulatory requirements.
• Resolve disputes and enforce agreements.

You may request deletion of your account and data at any time, subject to legal obligations.

7. Children’s Privacy

Hutsy is not intended for individuals under the age of 18. We do not knowingly collect personal information from minors.

8. International Transfers

Your information may be stored or processed in Canada, the United States, or other jurisdictions where our partners or service providers operate.

9. Changes to This Policy

We may update this Privacy Policy from time to time. If we make significant changes, we’ll notify you via email or through the app. Continued use of the Platform after changes are posted constitutes acceptance of the updated policy.

10. Contact Us

If you have any questions about this policy or how we handle your data, please contact us at:
📧 contact@hutsy.com
🌐 www.hutsy.com