Privacy PolicyEffective Date: January 7, 2026Last Updated: January 7, 2026SelfCare Wallet ("we," "us," or "our") values your privacy. This Privacy Policy explains how we collect, use, and protect your information when you use our mobile application and services.1. Information We CollectPersonal Information You ProvideFor All Users:Name, email address, phone numberPassword and login credentialsLocation (city) - either automatically detected or manually selected during onboardingContact sync information (if you choose to enable contact access to send CareDollars to friends)For Business Accounts:Company name, description, and websiteBusiness address (state, city, street)Company email and phone numberEmployer Identification Number (EIN)Number of employeesSecurity phrase (used to verify CareDollars transactions)Business logo/profile picturePayment Information:Stripe account connection detailsTransaction history and CareDollars balancesPayment card information (stored securely by Stripe, not on our servers)Information Collected AutomaticallyDevice type, operating system, unique device identifiersApp usage data and features usedLocation data:Precise location (GPS) is collected only with your explicit permission and is used solely to provide location-based features within the app, such as showing nearby services when you choose to use the "Use my current location" feature.City-level location you manually select during sign upCookies and similar tracking technologies2. How We Use Your InformationWe use your information to:Create and manage your accountShow you nearby wellness services and businesses based on your locationEnable you to find services in your areaAllow you to send CareDollars to friendsVerify your business identity using EIN (for business accounts)Process CareDollars transactions between users and businessesAuthenticate transactions when businesses confirm CareDollars payments and enter their security phrase (for business accounts)Connect and maintain your Stripe payment account (for business accounts)Send SMS notifications (OTP codes for login/registration, password reset, phone number changes)Provide customer supportDetect fraud and prevent unauthorized accessComply with tax and financial regulationsImprove our services and personalize recommendations3. SMS Text MessagesBy providing your phone number, you consent to receive SMS messages including:One-time passcodes (OTP) for login and registrationAccount verification codesPassword reset codesPhone number change verificationMessage frequency varies based on your account activity. Message and data rates may apply.Note: These are essential security messages required for account functionality. You cannot opt out of OTP and security messages as they are necessary to protect your account and verify your identity.We do not sell your phone number. It's only shared with our SMS provider (Twilio) to deliver messages.4. How We Share Your InformationWe do not sell your personal information.We share information with:Stripe - to process paymentsTwilio - to send SMS messagesAWS (Amazon Web Services) - to store data securelyAnalytics providers:Framer - website analyticsGoogle Analytics - general usage and traffic analyticsDatadog - monitoring, diagnostics, and service-level telemetrySecurity services - for fraud preventionPublic Business Information:Your business name, description, location, and logo are visible to app users so they can find your services.User Location:Your selected city/location is used to show you relevant nearby services and may be visible to businesses when you book services.Legal Requirements:We may disclose information to comply with laws, court orders, or to protect our rights and safety.5. SecurityWe protect your information using:EncryptionMulti-factor authenticationRegular security monitoringYour security phrase is critical - it protects your business from unauthorized CareDollars transactions. Never share it with anyone.6. Data RetentionWe retain personal data only for as long as necessary to fulfill the purposes for which it was collected, including providing and maintaining our services, complying with applicable legal, regulatory, accounting, and tax obligations, and enforcing our agreements.Personal data is stored in accordance with the principles of data minimization and storage limitation under the General Data Protection Regulation (GDPR).If you delete your account, we will stop processing and delete or anonymize your personal data without undue delay. After account deletion, personal data is not retained, unless continued retention is required or permitted by applicable law.Certain categories of data, such as transaction, billing, or tax-related information, may be retained for longer periods where required to comply with legal obligations.7. Your RightsYou can:Access your personal informationCorrect inaccurate informationDelete your account and data (subject to legal retention requirements)California residents: You have additional rights under CCPA including right to know what data we collect and right to deletion.8. Children's PrivacySelfCare Wallet is not intended for individuals under the age of 13. We do not knowingly collect personal information from children.9. CookiesWe use cookies and similar technologies to:Remember your login and preferencesAnalyze app usageImprove performanceYou can control cookies through your browser/device settings.10. Third-Party ServicesOur app integrates with third-party services (Stripe, social media). Their privacy policies apply to their services. We are not responsible for their practices.Third-Party Privacy Policies:Stripe: https://stripe.com/privacy Twilio: https://www.twilio.com/legal/privacy Google Analytics: https://policies.google.com/privacy Framer: https://www.framer.com/privacy Datadog: https://www.datadoghq.com/legal/privacy 11. Changes to This PolicyWe may update this Privacy Policy from time to time. Any changes will be posted on this page with an updated effective date.12. Contact UsEmail: support@selfcarewallet.comWebsite: https://selfcarewallet.com By using SelfCare Wallet, you agree to this Privacy Policy.