Privacy Policy
Last updated: January 18, 2026
Dhi Money ("we", "our", or "us") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our mobile application and website.
Information We Collect
Information You Provide
- Account Information: Email address, name, and profile information when you create an account
- Financial Data: Income, expenses, savings, investments, and financial goals you choose to share with us
- Bank Statements: If you upload bank statements, we process them to categorize transactions
- Communications: Messages you send through our chat feature
Information Collected Automatically
- Device Information: Device type, operating system, unique device identifiers
- Usage Data: Features used, time spent in app, interactions
- Log Data: IP address, browser type, access times
How We Use Your Information
- Provide personalized financial insights and recommendations
- Process and categorize your financial transactions
- Enable AI-powered chat assistance for financial queries
- Track your progress towards financial goals
- Send you relevant notifications and updates
- Improve our services and develop new features
- Ensure security and prevent fraud
Data Storage and Security
Your data is stored securely using industry-standard encryption. We use:
- End-to-end encryption for sensitive financial data
- Secure cloud infrastructure with regular security audits
- Access controls and authentication measures
- Regular data backups
Third-Party AI Services
Dhi Money uses artificial intelligence powered by OpenAI to provide personalized financial insights. When you use our chat feature:
- Your messages and relevant financial context are processed by OpenAI's servers to generate responses
- We do not share your data with OpenAI for training their AI models
- Conversations are used solely to generate personalized responses for you
- We may retain conversation history to improve your experience and provide context for future interactions
By using the chat feature, you consent to this processing. You can delete your conversation history at any time through the app.
Data Sharing
We do not sell your personal information. We may share data with:
- AI Service Providers: OpenAI processes your chat messages to provide AI-powered insights (see above)
- Service Providers: Third parties that help us operate our services (cloud hosting, analytics)
- Legal Requirements: When required by law or to protect our rights
- With Your Consent: When you explicitly authorize sharing
Your Rights
You have the right to:
- Access your personal data
- Correct inaccurate data
- Delete your account and associated data
- Export your data
- Opt-out of marketing communications
Data Retention
We retain your data for as long as your account is active. Upon account deletion, we remove your personal data within 30 days, except where retention is required by law.
Children's Privacy
Dhi Money is not intended for users under 18 years of age. We do not knowingly collect information from children.
Changes to This Policy
We may update this Privacy Policy from time to time. We will notify you of any changes by posting the new policy on this page and updating the "Last updated" date.
Contact Us
If you have questions about this Privacy Policy, please contact us at:
Email: dhi.money.app@gmail.com
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