Effective Date: May 2026

The Calm Money App is owned and operated by the Financial Psychology Center (“we,” “our,” or “us”).

The Financial Psychology Center respects your privacy and is committed to protecting the information you share while using the Calm Money App and related services.

By using the Calm Money App, you agree to the practices described in this Privacy Policy.

Information We Collect

Depending on how you use the Calm Money App, we may collect the following types of information.

Account Information

• Email address
• Login credentials
• User account identifiers

This information is used to create, secure, and manage your account.

Subscription & Payment Information

Subscriptions and purchases are processed through Apple’s App Store.

Financial Psychology Center does not directly store full payment card information on its own servers.

Apple may provide limited subscription-related information necessary to

• validate subscriptions
• manage account access
• restore purchases

App Usage Information

The Calm Money App may collect information related to:

• feature usage
• app interactions
• app performance
• crash reports
• diagnostics

This information helps us:

• improve app stability
• enhance features
• diagnose technical issues
• optimize performance

User Content

If you use journaling, reflections, notes, or financial wellness features within the Calm Money App, the content you create may be stored securely to support app functionality and synchronization.

How We Use Information

Financial Psychology Center uses collected information to

• provide and maintain the Calm Money App
• authenticate users
• sync user data
• manage subscriptions
• improve functionality
• diagnose technical issues
• enhance user experience
• protect against fraud or misuse

We do not sell personal information.

Tracking & Advertising

The Calm Money App does not use personal information for:

• third-party advertising
• behavioral advertising
• cross-app tracking
• data brokerage

We do not use advertising tracking technologies that profile users across third-party apps or websites.

Data Security

The Financial Psychology Center uses reasonable administrative, technical, and organizational safeguards designed to help protect user information.

However, no method of electronic transmission or storage is completely secure, and we cannot guarantee absolute security.

Data Retention

We retain information only as long as necessary to:

• provide services
• maintain accounts
• comply with legal obligations
• resolve disputes
• enforce agreements

Users may request account deletion where applicable.

Third-Party Services

The Calm Money App may rely on third-party providers for the following:

• app hosting
• analytics
• subscription processing
• cloud infrastructure
• authentication services

These providers may process limited information necessary to perform their services.

Children’s Privacy

The Calm Money App is not directed toward children under 13 years of age, and we do not knowingly collect personal information from children.

Your Rights

Depending on your location, you may have rights regarding your personal information, including:

• access
• correction
• deletion
• data portability
• restriction of processing

Requests may be subject to verification and applicable legal requirements.

International Users

If you access the Calm Money App outside the United States, you understand that your information may be processed and stored in countries where privacy laws may differ from those in your jurisdiction.

Changes to This Policy

The Financial Psychology Center may update this Privacy Policy periodically.

Updated versions will be posted within the Calm Money App or on the official website with a revised effective date.

Continued use of the Calm Money App after changes become effective constitutes acceptance of the updated policy.

Contact

For privacy-related questions or concerns regarding the Calm Money app, please contact the Financial Psychology Center through the official website associated with the application.