Privacy Policy

Last Updated: April 24, 2026

BlueHealthUS, Inc. ("Company," "we," "us," or "our") operates the MoneyFetch mobile application (the "App"). This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our App.

Please read this Privacy Policy carefully. By using the App, you agree to the collection and use of information in accordance with this policy.

1. Information We Collect

1.1 Personal Information You Provide

When you register for an account, we collect:

• Account Information: Name, email address, password
• Profile Information: Optional profile details you choose to provide

1.2 Financial Information

To provide our services, we collect:

• Transaction Data: Amount, merchant name, category, date, and description of your financial transactions
• Budget Information: Budgets and financial goals you create within the App

1.3 Automatically Collected Information

SMS Messages (Android Only)

• With your explicit permission, we read SMS messages from recognized banking institutions to automatically detect and categorize financial transactions
• We only process SMS messages that match known bank transaction patterns
• We do not read or store personal SMS messages unrelated to banking

Device Information

• Device type, operating system version
• Unique device identifiers
• App version and settings

Location Data

• With your permission, we may collect approximate location data to provide location-based insights and categorization

Usage Data

• App features used, screens viewed
• Interaction patterns and preferences
• Crash reports and performance data

1.4 Payment Information

When you purchase tokens or subscriptions:

• Payment processing is handled by Apple App Store (iOS), Google Play Store (Android), or Stripe, Inc. (Huawei and other devices without Google Play Services)
• We do not have direct access to your credit card numbers or banking details
• We receive confirmation of successful transactions from the respective payment platform
• Stripe processes payments in accordance with their privacy policy: https://stripe.com/privacy

2. How We Use Your Information

We use collected information to:

• Provide Services: Track transactions, generate insights, manage budgets
• AI-Powered Analysis: Generate personalized financial recommendations using artificial intelligence
• AI Processing: Process your data through third-party AI services to generate insights, scan receipts, and respond to questions. AI processing is automated and does not involve human review of your individual data.
• Improve the App: Analyze usage patterns to enhance features and user experience
• Communicate: Send service-related notifications, respond to inquiries
• Process Payments: Complete token purchases and maintain transaction records
• Security: Detect and prevent fraud, unauthorized access, and other illegal activities
• Legal Compliance: Comply with applicable laws and regulations

3. How We Share Your Information

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

3.1 Service Providers

• Cloud Hosting: Amazon Web Services (AWS) for data storage
• Payment Processing: Stripe, Inc. for payment transactions
• AI Services: Anthropic for AI-powered financial insights
• Analytics: Firebase and Amplitude for app analytics

3.2 Legal Requirements

We may disclose information if required by law, court order, or government request.

3.3 Business Transfers

In the event of a merger, acquisition, or sale of assets, your information may be transferred to the acquiring entity.

3.4 With Your Consent

We may share information for other purposes with your explicit consent.

3.5 AI Data Processing

To provide AI-powered features (receipt scanning, financial insights, FetchAI assistant), we send certain data to our AI provider (currently Anthropic, PBC).

Data We Send:

• Receipt images you choose to scan
• Transaction amounts, categories, and merchant names
• Questions you ask the FetchAI assistant
• Spending patterns for generating insights

How Your Data Is Processed:

• Data is processed in real-time to generate responses
• Anthropic does not store your personal data after processing
• Your data is not used to train AI models
• All data transmission is encrypted using industry-standard TLS encryption

Your Consent:

AI data processing requires your separate and explicit consent, which is distinct from your acceptance of this Privacy Policy. When you first use FetchAI features in the app, you will be asked to give this consent separately. You may withdraw your AI data processing consent at any time through the App settings — this will disable FetchAI features but will not affect your ability to use the rest of the app.

AI-powered features are entirely optional. You can use MoneyFetch for manual expense tracking without enabling AI features.

For full details on how AI features work and what data is shared, see our AI Data Processing Policy.

For information about Anthropic's data practices, visit: anthropic.com/privacy

3.6 AI Conversation Data

What We Store: When you use AI features, we may store:

• Your questions and prompts sent to AI
• AI-generated responses
• Timestamp and token usage

Purpose: This data is stored to:

• Provide conversation history within the App
• Improve our services
• Investigate technical issues

Retention: AI conversation data is retained as long as your account is active. Upon account deletion, this data is deleted within 30 days.

No Human Review: Your individual AI conversations are not routinely reviewed by our employees. We may access conversation data only for technical support (with your consent) or if required by law.

4. Data Storage and Security

4.1 Storage Location

Your data is stored on secure servers provided by Amazon Web Services (AWS) located in the United States.

4.2 Security Measures

We implement industry-standard security measures including:

• HTTPS encryption for all data transmission
• Encryption at rest for stored data
• Secure authentication with JWT tokens
• Regular security assessments

4.3 Data Retention

• We retain your data for as long as your account is active
• Upon account deletion, we delete your personal data within 30 days
• Some data may be retained longer if required by law or for legitimate business purposes

5. Your Rights and Choices

5.1 Access and Portability

You may request a copy of your personal data by contacting us at support@moneyfetch.app.

5.2 Correction

You may update or correct your account information through the App settings.

5.3 Deletion

You may request deletion of your account and associated data by contacting us at support@moneyfetch.app.

5.4 SMS Permissions (Android)

You may revoke SMS reading permissions at any time through your device settings. This will disable automatic transaction detection.

5.5 Location Permissions

You may disable location access through your device settings at any time.

5.6 Marketing Communications

You may opt out of promotional communications by following the unsubscribe instructions in our emails.

6. California Privacy Rights (CCPA)

If you are a California resident, you have additional rights under the California Consumer Privacy Act (CCPA):

• Right to Know: Request information about data collection and sharing practices
• Right to Delete: Request deletion of your personal information
• Right to Opt-Out: Opt out of the sale of personal information (we do not sell your data)
• Right to Non-Discrimination: We will not discriminate against you for exercising your rights

To exercise these rights, contact us at support@moneyfetch.app.

7. International Users

If you are accessing the App from outside the United States, please be aware that your information will be transferred to, stored, and processed in the United States. By using the App, you consent to this transfer.

8. Children's Privacy

The App is not intended for users under 18 years of age. We do not knowingly collect personal information from children under 18. If we learn that we have collected information from a child under 18, we will delete it promptly.

9. Third-Party Links

The App may contain links to third-party websites or services. We are not responsible for the privacy practices of these third parties. We encourage you to review their privacy policies.

10. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. We will notify you of material changes by:

• Posting the new Privacy Policy in the App
• Updating the "Last Updated" date
• Sending an email notification for significant changes

11. Contact Us

If you have questions or concerns about this Privacy Policy, please contact us: