Privacy Policy — WalletGrower

Fiat Growth, LLC ("we," "us," or "our") operates WalletGrower ("the Site"). This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our Site. Please read this policy carefully. By using WalletGrower, you consent to the practices described in this policy.

1. Information We Collect

1.1 Information You Provide

We may collect information you voluntarily provide when you create an account, subscribe to our newsletter, use our tools and calculators, interact with our AI Financial Advisor, submit a contact form, or otherwise communicate with us. This may include your name, email address, and any information you enter into our tools or chatbot.

1.2 Information Collected Automatically

When you visit the Site, we may automatically collect certain information about your device and usage, including your IP address, browser type and version, operating system, referring URLs, pages viewed, time spent on pages, and click patterns. We collect this information through cookies, web beacons, and similar technologies.

1.3 Information from Third Parties

We may receive information about you from third-party services you use to log in to WalletGrower (such as authentication providers), as well as from analytics and advertising partners.

2. How We Use Your Information

We use the information we collect to operate and improve the Site and our services, personalize your experience and content recommendations, send newsletters and updates you have opted into, respond to your inquiries and support requests, analyze usage trends to improve our content and tools, detect and prevent fraudulent activity, and comply with legal obligations.

3. Artificial Intelligence & Your Data

WalletGrower uses artificial intelligence technology in several aspects of our operations. This section explains how AI interacts with your data.

3.1 AI-Assisted Content Generation

We use AI tools to assist in creating educational content such as articles, guides, and comparison tables. This content generation process does not use your personal information. AI-assisted content is reviewed and approved by our human editorial team before publication. For more details on our content creation practices, see our Disclosure Policy.

3.2 AI Financial Advisor Chatbot

When you use our AI Financial Advisor, the questions and information you provide during the conversation are processed by a third-party AI service to generate responses. Conversations may be logged and stored in our database to improve the quality of the service. We do not share your chatbot conversations with third-party advertisers or data brokers.

3.3 Personalization

We may use automated systems, including AI, to personalize content recommendations and improve your experience on the Site. This is based on aggregated usage patterns and does not involve sharing your personal data with external AI model providers for their own training purposes.

3.4 Your Data and AI Model Training

We do not use your personal information to train proprietary AI models. We do not sell your data to AI companies. When third-party AI services are used (such as for our chatbot), those services are subject to data processing agreements that limit how your data may be used.

4. Cookies & Tracking Technologies

We use cookies and similar tracking technologies to collect usage data, remember your preferences, and improve our services. Essential cookies are necessary for the Site to function properly (such as authentication and session management). Analytics cookies help us understand how visitors interact with the Site. Advertising and affiliate cookies help us and our partners track referrals and measure the effectiveness of our recommendations. You can manage your cookie preferences through your browser settings. Disabling certain cookies may affect the functionality of the Site.

5. How We Share Your Information

We do not sell your personal information. We may share your information with service providers who assist us in operating the Site (such as hosting, analytics, email delivery, and authentication services); affiliate partners, but only to the extent necessary to track referrals (such as a click ID — we do not share your name or email with affiliate partners); law enforcement or regulatory bodies when required by law; and in connection with a merger, sale, or transfer of our business assets.

6. Data Security

We implement reasonable administrative, technical, and physical safeguards to protect your information. However, no method of transmission over the internet or electronic storage is 100% secure. We cannot guarantee the absolute security of your data.

7. Data Retention

We retain your personal information for as long as your account is active or as needed to provide you services, comply with our legal obligations, resolve disputes, and enforce our agreements. If you request deletion of your account, we will remove your personal data within a reasonable timeframe, except where retention is required by law.

8. Your Rights & Choices

Depending on your location, you may have certain rights regarding your personal information. These may include the right to access the personal data we hold about you, request correction of inaccurate data, request deletion of your data, opt out of marketing communications, and request information about how your data is processed by automated systems including AI. To exercise any of these rights, please contact us at hello@walletgrower.com. We will respond to your request within 30 days.

9. California Residents

If you are a California resident, you have additional rights under the California Consumer Privacy Act (CCPA) and the California Privacy Rights Act (CPRA). You have the right to know what personal information we collect and how it is used, request deletion of your personal information, opt out of the sale or sharing of your personal information (we do not sell personal information), and not be discriminated against for exercising your privacy rights. To make a request, contact us at hello@walletgrower.com.

10. Children's Privacy

WalletGrower is not directed to individuals under the age of 18. We do not knowingly collect personal information from children. If you believe we have inadvertently collected information from a child, please contact us immediately and we will take steps to delete it.

11. Third-Party Links

The Site contains links to third-party websites that are not operated by us. We are not responsible for the privacy practices of those sites. We encourage you to review the privacy policy of any third-party site you visit through links on WalletGrower.

12. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. When we do, we will revise the "Last updated" date at the top of this page. We encourage you to review this page periodically. Material changes may be communicated via email or a notice on the Site.

13. Contact Us

If you have questions or concerns about this Privacy Policy or our data practices, please contact us at hello@walletgrower.com or visit our Contact page.