Privacy Policy

1. Information we collect

• Account information: your name, email address and an encrypted password, or the basic profile from Google if you sign in with Google.
• Research content: the questions you ask Ask Factual.Money and the answers generated, saved so you can see your research history.
• Usage information: how many questions you use, your plan, your language preference, and basic technical logs such as IP address, browser, device and pages visited.
• Payment information: handled directly by Stripe. We receive only limited details, such as the plan, payment status and the last four digits of your card.
• Communications: messages you send to support.

2. How we use it

• To provide, secure and improve the Services, including your research history and usage limits.
• To process payments and manage subscriptions.
• To send service messages, such as account confirmation and password resets, and, if you subscribe, our Letters. You can unsubscribe at any time.
• To prevent abuse and comply with legal obligations.

3. AI processing

To answer your questions, the text of your question and the recent conversation are sent to our AI providers (currently Anthropic and Google), which process them under their API terms to generate the answer and perform web searches. Please do not include sensitive personal information in your questions.

4. Who we share it with

We do not sell your personal information and do not use it for third-party advertising. We share it only with service providers that help us run the Services, under contracts that protect it:

• Supabase (database and authentication)
• Vercel (hosting)
• Anthropic and Google (AI processing)
• Stripe (payments)
• Our email provider (transactional email)
• Substack (Letters) and SiteGround (courses), under their own privacy policies when you use those properties

5. International transfers

We are based in the United States and our providers may process data in the United States and other countries. Where required, we rely on appropriate safeguards such as standard contractual clauses.

6. Retention

We keep your account and research history while your account is active. If you delete your account, we delete or anonymize your personal information within 30 days, except where we must keep it for legal, tax or security reasons.

7. Your rights

Depending on where you live, including under the GDPR (Europe), the LGPD (Brazil) and US state laws such as the CCPA (California), you may have the right to access, correct, delete, export or restrict the use of your personal information, and to withdraw consent. To exercise these rights, write to support@factual.money. We will respond within the time required by law and will not discriminate against you for exercising them.

8. Cookies

We use only essential cookies: to keep you signed in, protect your session and remember your language. We do not use advertising cookies. If we add analytics in the future, we will update this policy and ask for consent where required.

9. Security

We use encryption in transit, access controls and row-level security in our database so each user can only access their own data. No system is completely secure, so please use a strong, unique password.

10. Children

The Services are not intended for anyone under 18, and we do not knowingly collect information from children.

11. Changes

We may update this policy. If changes are material, we will notify you by email or in the Services before they take effect.

12. Contact

Factual Manhattan L.L.C. · support@factual.money