Privacy Policy

1. Introduction

Alto Money, Inc. ("Alto Money," "we," "us," or "our") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our Alto Money mobile application and website (collectively, the "Service").

PLEASE READ THIS PRIVACY POLICY CAREFULLY. By using our Service, you consent to the collection, use, and disclosure of your information as described in this Privacy Policy. If you do not agree with this Privacy Policy, please do not use our Service.

Important Note About Financial Data: Alto Money is a financial technology service that analyzes your spending patterns and credit card usage to provide personalized recommendations. This requires access to sensitive financial information, which we handle with the highest security standards.

2. Information We Collect

2.1 Information You Provide Directly

Account Information:

• Full name, email address, and phone number
• Username and password
• Date of birth and address (for identity verification)
• Profile preferences and settings

Financial Account Information:

• Credit card account details (when you choose to connect them)
• Bank account information (for certain features)
• Transaction history and spending patterns
• Existing credit card portfolios and preferences

2.2 Information We Collect Automatically

We automatically collect certain information when you use our Service, including usage patterns, device information, and technical data to improve our recommendations and security.

2.3 Information from Third Parties

We may receive information from financial data providers, credit card issuers, and marketing partners to enhance our recommendations and verify account information.

3. How We Use Your Information

3.1 Primary Service Functions

Personalized Recommendations:

• Analyze your spending patterns to recommend optimal credit cards for specific purchases
• Identify opportunities to maximize rewards and benefits
• Suggest new credit cards based on your financial profile

Transaction Analysis:

• Review historical transactions to show missed optimization opportunities
• Calculate potential rewards you could have earned
• Track your rewards maximization over time

4. How We Share Your Information

4.1 We DO NOT Sell Your Personal Information

Alto Money does not sell, rent, or trade your personal information to third parties for their own marketing purposes.

4.2 Sharing for Service Delivery

We share minimal necessary information with trusted service providers to deliver our recommendations and maintain security, including financial data aggregators and technology service providers.

5. Your Rights and Choices

You have control over your personal information, including the ability to access, update, or delete your account information, manage financial account connections, and control communication preferences.

6. Data Security

We implement industry-standard security measures including end-to-end encryption, secure data transmission, multi-factor authentication, and regular security audits to protect your financial information.

Security Limitations: While we implement industry-standard security measures, no system is completely secure. We cannot guarantee the absolute security of your information.

7. Data Retention

We retain your information for different periods based on the type of data and legal requirements. Account information is retained while your account is active, financial transaction data for up to 7 years, and communication records for 3 years.

8. Third-Party Services

We use third-party services like Plaid for secure financial data aggregation, analytics services for service improvement, and may work with advertising partners for user acquisition. We require all providers to maintain strict security and privacy standards.

9. Children's Privacy

Alto Money is designed for users 18 years of age and older. We do not knowingly collect personal information from children under 18. If you believe we may have collected information from a child, please contact us immediately.

10. State-Specific Privacy Rights

10.1 California Residents (CCPA/CPRA)

California residents have additional rights including the right to know what personal information we collect, the right to delete personal information, the right to correct inaccurate information, and the right to opt-out of sales (though we don't sell personal information).

Contact us at support@altomoney.app with "California Privacy Rights" in the subject line to exercise these rights.

11. International Users

Alto Money is based in the United States and our Service is primarily designed for U.S. residents. Your information is processed in the United States, which may have different data protection laws than your country.

12. Changes to This Policy

We may update this Privacy Policy periodically to reflect changes in our practices, technology, or legal requirements. Material changes will be communicated through email or prominent notice in the Service.

13. Contact Us

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

Alto Money, Inc.
Email: support@altomoney.app
Subject Line: Privacy Policy Inquiry

We will acknowledge receipt of your inquiry within 48 hours and provide a substantive response within 30 days.