Privacy Policy
Last Updated: December 1, 2025
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:
- Payment processing is handled by Stripe, Inc.
- We do not store your credit card numbers or banking details
- We receive confirmation of successful transactions from Stripe
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
- 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.
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 privacy@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 privacy@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 privacy@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: