Privacy Policy

This Privacy Policy applies to information we collect through the App, through your communications with us (e.g., customer support, surveys), and through our marketing activities. It does not apply to information collected by any third party, including through any application or content (including advertising) that may link to or be accessible from the App, or to any third-party websites or services you may access through the App, including Plaid. We encourage you to review the privacy policies of any third-party services you use in connection with the App.

Our Services are intended for users located in the United States who are 18 years of age or older. If you access the Services from outside the United States, you do so at your own initiative and are responsible for compliance with local laws, to the extent local laws are applicable.

We collect several types of information from and about users of the App, including information:

When you create an account, interact with our AI Financial Mentor, or otherwise use the App, you may provide us with:

If you choose to use the account-linking feature of the App, you will be directed to Plaid's interface (“Plaid Link”) to select and authenticate with your bank, credit union, brokerage, or other financial institution. When you connect an account through Plaid:

Plaid's collection, use, and storage of your information is governed by Plaid's own privacy policy, available at plaid.com/legal, which we encourage you to review. You may revoke Hey Jessica's access to your linked financial data at any time within the App's account settings, and, where applicable, directly through Plaid's consent portal at my.plaid.com, or by contacting your financial institution.

As you navigate through and interact with the App, we may automatically collect certain information about your equipment, browsing actions, and usage patterns, including:

We may receive information about you from other sources, such as:

We use information that we collect about you or that you provide to us, including any personal information, for purposes such as:

We do not use the financial account data we receive through Plaid to make credit decisions about you, and Hey Jessica is not a lender, broker-dealer, investment adviser, or financial institution.

We do not sell your personal information to third parties for money. We may disclose personal information that we collect, or that you provide, as described in this Privacy Policy, in the following circumstances:

Certain analytics and advertising technologies used in the App (see Section 5) may involve the sharing of device or usage identifiers with third parties in a manner that may be considered a “sale” or “share” of personal information under certain state privacy laws, even though no personal information is exchanged for monetary payment. Where applicable, we provide opt-out mechanisms as described in Section 7.

The App may use cookies (in any embedded web views), mobile analytics SDKs, advertising identifiers (such as Apple's IDFA or Google's Advertising ID), and similar technologies to collect usage and device information, remember your preferences, understand how you use the App, and, where applicable, measure the effectiveness of our marketing. You can control the collection of certain identifiers, such as advertising identifiers or location data, through your device's privacy settings (for example, under "Settings > Privacy" on iOS or "Settings > Ads" on Android).

We currently do not respond to "Do Not Track" browser signals because no common industry standard for such signals has been adopted. If a standard is adopted, we will update this Privacy Policy accordingly.

We retain personal information for as long as necessary to fulfill the purposes described in this Privacy Policy, including to provide the Services, maintain your account, comply with our legal and regulatory obligations, resolve disputes, and enforce our agreements. When you delete your account, we will delete or de-identify your personal information within a commercially reasonable period, except where we are required or permitted to retain it for legal, tax, accounting, security, or fraud-prevention purposes. Disconnecting a financial account through Plaid stops future data collection from that account but does not automatically delete historical data already stored by Hey Jessica; you may separately request deletion of that data as described in Section 8.

We implement reasonable administrative, technical, and physical safeguards designed to protect the personal information we collect and maintain against accidental, unlawful, or unauthorized destruction, loss, alteration, access, disclosure, or use. These safeguards include, among others, encryption of data in transit, access controls limiting employee access to personal information on a need-to-know basis, and reliance on Plaid's bank-level security standards for the transmission of financial account data. Hey Jessica does not access, view, or store your financial institution login credentials.

However, no method of transmission over the internet or method of electronic storage is completely secure. While we strive to use commercially acceptable means to protect your personal information, we cannot guarantee its absolute security. Any transmission of personal information is at your own risk.

You may review, update, correct, or delete certain account information at any time by logging into the App and accessing your account settings, or by contacting us at the email address below. You may opt out of receiving promotional emails from us by following the unsubscribe instructions in those emails, and you may opt out of push notifications through your device settings. Please note that even if you opt out of marketing communications, we may still send you non-promotional, transactional, or administrative messages, such as those related to your account or the Services.

Depending on your state of residence, you may have certain rights under applicable U.S. state privacy laws, including the California Consumer Privacy Act as amended by the California Privacy Rights Act (CCPA/CPRA), the New Jersey Data Privacy Act (NJDPA), the Virginia Consumer Data Protection Act (VCDPA), the Colorado Privacy Act (CPA), the Connecticut Data Privacy Act (CTDPA), the Utah Consumer Privacy Act (UCPA), and similar laws in other states. These rights may include the right to:

To exercise any of these rights, you or your authorized agent may submit a request to us using the contact information in Section 12. We will verify your request using information associated with your account, which may include your name and email address, and may request additional information to verify your identity where necessary.

We will respond to verifiable requests within the time period required by applicable law. If we deny your request, in whole or in part, you may appeal that decision by contacting us at the email address in Section 12 and stating that you wish to appeal; we will respond to your appeal within the time period required by applicable law and will explain the reasons for our decision in writing.

California residents may request certain information regarding our disclosure of personal information to third parties for their own direct marketing purposes during the preceding calendar year. We do not share personal information with third parties for their own direct marketing purposes without your consent. If this practice changes, we will update this section accordingly.

In accordance with applicable state privacy laws (including the New Jersey Data Privacy Act and CCPA/CPRA), you are hereby notified that the App utilizes automated decision-making and machine-learning algorithms to provide dynamic educational recommendations and point-of-sale spending prompts. These automated features provide educational simulations and do not produce legal, fiduciary, or binding financial determinations. You retain the right to opt out of certain automated profiling features within your App account settings.

The App is not directed to, and is not intended for use by, children under the age of 18. We do not knowingly collect personal information from children under 18. If you are a parent or guardian and believe that your child has provided personal information to us, please contact us at the email address below, and we will take steps to delete such information from our systems.

Hey Jessica is a financial education and coaching platform. We are not a bank, broker-dealer, investment adviser, credit counseling agency, or other regulated financial institution, and nothing in the App or this Privacy Policy should be construed as financial, investment, tax, or legal advice. Because Hey Jessica is not itself a “financial institution” as defined under the Gramm-Leach-Bliley Act (GLBA), the GLBA's specific notice and opt-out requirements generally do not apply directly to us; however, we have implemented safeguards for financial account information consistent with industry best practices, including those reflected in the Federal Trade Commission's Safeguards Rule.

Plaid, and the financial institutions you connect through Plaid, are separately responsible for their own compliance with applicable financial privacy laws, including GLBA, and their own privacy and security practices.

We may update this Privacy Policy from time to time to reflect changes in our practices, technology, legal requirements, or for other operational reasons. If we make material changes, we will notify you by revising the “Last Updated” date at the top of this Privacy Policy, and, where required by law, we will provide additional notice, such as an in-app notification or an email notification.

We encourage you to review this Privacy Policy periodically to stay informed about how we are protecting your information. Your continued use of the App after any changes to this Privacy Policy constitutes your acceptance of the revised Privacy Policy, to the extent permitted by applicable law.

If you have questions, comments, or requests regarding this Privacy Policy or our privacy practices, or if you wish to exercise any privacy rights described above, please contact us at: