Privacy that respects the sensitivity of money decisions.

Who this policy covers

This Privacy Policy explains how PesoPilot by ZenForge Technologies collects, uses, stores, shares, and protects personal information when you use the app, create an account, run simulations, personalize news, or access premium features.

Information we may collect

The exact information depends on how you use the app. We aim to collect only what is useful for operating PesoPilot and improving your planning experience.

• Account information such as name, email address, password credentials, login status, and account preferences.
• Profile and planning inputs such as age range, country context, risk profile, investment horizon, capital, contributions, goals, career interests, insurance details, holdings, average cost, asset symbols, and asset preferences.
• Simulation and strategy data such as assumptions, scenarios, results, saved history, premium reports, and generated insights.
• News personalization choices such as selected topics, refresh preferences, and app-local settings.
• Payment or premium request information needed to verify access, depending on the payment method made available.
• Technical information such as IP address, device/browser details, logs, error reports, timestamps, and security events.

How we use information

We use information to provide and improve PesoPilot, personalize the experience, secure the platform, and comply with applicable obligations.

• Create and manage accounts, sessions, authentication, profile settings, and saved history.
• Run simulations, generate strategies, monitor premium holdings, personalize news, produce AI-powered insights, and show premium reports.
• Maintain security, detect misuse, debug errors, prevent fraud, and protect users.
• Process premium access, respond to support requests, and communicate important product or policy updates.
• Analyze aggregated usage to improve features, accuracy, design, and reliability.

Legal basis and consent

Where the Philippine Data Privacy Act and its rules apply, processing may be based on your consent, the need to provide the service you requested, legitimate interests such as security and product improvement, or compliance with legal obligations.

• You may withdraw consent where processing is based on consent, subject to legal and contractual limits.
• Some information is necessary to use core account, simulation, or premium features.
• If you provide sensitive personal information, we will use it only for the purpose you provided it and with appropriate safeguards.

AI-powered insights and automated processing

PesoPilot may use automated systems, rules-based analysis, or AI-assisted processing to summarize information, explain news, generate scenarios, and produce recommendations. These outputs are educational and should be verified before action.

• Do not input passwords, private keys, seed phrases, exchange credentials, full bank credentials, or highly sensitive documents into planning fields.
• AI or automated outputs may be incomplete, inaccurate, outdated, or not suitable for your personal circumstances.
• We may improve prompts, rules, safety filters, and models to make outputs clearer and more useful.

Sharing and service providers

We do not sell your personal information. We may share limited information with trusted service providers when needed to operate PesoPilot.

• Hosting, database, authentication, analytics, logging, email, payment, customer support, and AI infrastructure providers may process data on our behalf.
• Third-party sources linked from news or policy pages are separate websites with their own privacy practices.
• We may disclose information if required by law, lawful process, security investigation, user protection, or enforcement of our terms.

International processing

Some service providers may process or store information outside the Philippines. When this happens, we aim to use reasonable contractual, technical, and organizational safeguards appropriate to the type of information involved.

Retention

We keep personal information only as long as reasonably needed for the purposes described in this policy, unless a longer period is required for legal, security, audit, dispute, or legitimate business reasons.

• You may request deletion of account information, subject to verification and lawful retention needs.
• Some logs, backups, or aggregated analytics may remain for limited periods.
• Local browser settings, such as news interests or theme preferences, may remain on your device until cleared.

Security

We use reasonable technical and organizational measures to protect information, but no app, network, or storage system is perfectly secure.

• Use a strong password and protect your email account.
• Do not share login credentials, one-time passwords, wallet seed phrases, private keys, or bank credentials.
• Report suspicious activity or suspected unauthorized account access promptly.

Your privacy rights

Subject to applicable law, Philippine data subjects may have rights to be informed, access, object, rectification, erasure or blocking, damages, data portability, and complaint with the National Privacy Commission.

• We may need to verify your identity before acting on privacy requests.
• Some requests may be limited by law, security, fraud prevention, dispute resolution, or service requirements.
• You may contact ZenForge Technologies through the official support channel shown in the app.

Children and minors

PesoPilot is intended for users who can lawfully manage financial planning decisions. Minors should use the app only with guidance from a parent or legal guardian.

Changes to this policy

We may update this Privacy Policy as PesoPilot evolves. Material changes will be reflected by updating the date on this page and, when appropriate, through in-app notice.