Privacy Policy

Last Updated: April 2, 2025

This Privacy Policy governs the manner in which Zecher, Inc. ("Zecher," "we," "us," or "our") collects, uses, maintains, and discloses information collected from users ("you," "your," or "User") of the Zecher platform, including our website at https://zecher.ai and our mobile application (collectively, the "Platform"). This Privacy Policy applies to the Platform and all products and services offered by Zecher.

By using our Platform, you agree to the collection and use of information in accordance with this Privacy Policy.

Information We Collect

1.1 Personal Information

We may collect personal information from you in various ways, including when you:

• Create an account on our Platform
• Connect your financial accounts through our service providers
• Use our AI-powered features and insights
• Contact our customer support
• Participate in surveys or feedback requests
• Use our referral programs
• Apply for jobs or contact us for business purposes

Personal information we collect may include:

• Identity Information: Name, email address, phone number, date of birth, Social Security Number (for identity verification)
• Contact Information: Mailing address, billing address
• Account Credentials: Username, password, security questions
• Verification Documents: Government-issued ID, proof of address (when required for compliance)
• Contact Lists: With your consent, names, phone numbers, and email addresses from your phone contacts (for referral features)
• Biometric Information: Facial geometry from identity verification selfies (processed by third-party vendors)
• Employment Information: Resume, work history, qualifications (for job applications)

1.2 Financial Information

Through our integration with third-party service providers (such as Plaid), we collect financial information from your connected accounts, including:

• Account Information: Bank account numbers, routing numbers, account types, account names
• Transaction Data: Transaction history, amounts, dates, merchant information, categories
• Balance Information: Current and historical account balances
• Identity Information: Account holder names and addresses from financial institutions
• Credit Information: Credit scores, credit report data (when you opt-in to credit monitoring features)

1.3 Usage Information

We automatically collect information about how you use our Platform:

• Device Information: IP address, browser type, operating system, device identifiers
• Usage Data: Pages visited, features used, time spent on Platform, click patterns
• Performance Data: App crashes, performance metrics, error reports
• Location Data: General location information (city/state level) based on IP address

1.4 Cookies and Tracking Technologies

We use cookies, web beacons, and similar tracking technologies to:

• Remember your preferences and settings
• Analyze Platform usage and performance
• Provide personalized content and recommendations
• Enhance security and fraud prevention

You can control cookie settings through your browser, but some Platform features may not function properly if cookies are disabled.

1.5 Third-Party APIs and SDKs

We use third-party Application Program Interfaces (APIs) and Software Development Kits (SDKs) as part of our Platform functionality. These may collect information about your device and usage patterns in accordance with their own privacy policies.

1.6 Social Media Integration

Our Platform may contain social media buttons (such as Facebook, Twitter, LinkedIn) that may collect your IP address and set cookies. Your interactions with these features are governed by the privacy policies of the respective social media companies.

How We Use Your Information

2.1 Primary Services

We use your information to:

• Provide Core Services: Account aggregation, transaction categorization, financial analytics
• AI-Powered Insights: Generate personalized financial recommendations and insights
• Account Management: Create and maintain your account, verify your identity
• Customer Support: Respond to inquiries and provide technical support
• Security: Detect and prevent fraud, unauthorized access, and security threats

2.2 Communications

We may use your contact information to:

• Send service-related notifications and updates
• Provide customer support responses
• Share important security or privacy updates
• Send marketing communications (only with your consent)

2.3 Platform Improvement

We use aggregated and anonymized data to:

• Improve our AI algorithms and financial insights
• Develop new features and services
• Analyze Platform usage patterns
• Conduct research and analytics

2.4 Legal Compliance

We may use your information to:

• Comply with applicable laws and regulations
• Respond to legal requests and court orders
• Enforce our Terms of Service
• Protect our rights and the rights of our users

2.5 Automated Decision Making and Profiling

We may engage in automated decision-making, including profiling, to:

• Provide personalized financial insights and recommendations
• Detect fraudulent or suspicious activity
• Customize your Platform experience
• Analyze spending patterns and financial behavior

Our automated processing will not result in decisions that significantly affect you without human review, your consent, or as permitted by law.

2.6 Marketing and Advertising

We may use your information for:

• Email Marketing: Service updates, financial tips, feature announcements (with consent)
• Personalized Advertising: Customized content and recommendations within our Platform
• Cross-Context Behavioral Advertising: Interest-based advertising across websites and apps
• Analytics: Understanding user engagement and Platform effectiveness

How We Share Your Information

3.1 Third-Party Service Providers

We share information with trusted service providers who help us operate our business:

• Financial Data Providers: Plaid and other account aggregation services
• Cloud Infrastructure: AWS and other hosting providers
• Analytics Services: Usage analytics and performance monitoring
• Customer Support: Support ticketing and communication tools
• Security Services: Fraud detection and prevention services

3.2 Business Transfers

If Zecher is involved in a merger, acquisition, or sale of assets, your information may be transferred as part of that transaction. We will notify you of any such change and your options regarding your information.

3.3 Legal Requirements

We may disclose your information when required by law or when we believe in good faith that disclosure is necessary to:

• Comply with legal obligations or court orders
• Protect and defend our rights or property
• Prevent or investigate fraud or security issues
• Protect the safety of our users or the public

3.4 Aggregated Data

We may share aggregated, anonymized data that cannot identify you individually for research, marketing, or business purposes.

3.5 What We Don't Do

We do not:

• Sell your personal information to third parties
• Share your financial account credentials with anyone
• Use your financial data for advertising purposes
• Share your information for marketing by third parties

Contact Us

If you have questions about this Privacy Policy or our privacy practices, please contact us:

Your privacy is important to us. This Privacy Policy is designed to help you understand how we collect, use, and protect your information while providing you with powerful financial management tools.