Privacy Policy

1. Who We Are

AI Money Coach is operated by Jay Hernandez, doing business as Mind To Money Steps, based in California, United States. This policy covers mindtomoneysteps.com and its AI Money Coach workspace.

Contact us at info@mindtomoneysteps.com or PO Box 41754, Los Angeles, CA 90041.

2. Information We Collect

• Account information: your email address, first name, optional last name, account identifiers, sign-in history, timezone, and email preferences. New accounts provide a first name; existing accounts may not have one saved.
• Workspace information: your idea, intended audience, business stage, available time, Idea Score, coach conversations, Blueprint answers, tasks and notes, check-ins, mood selections, and the wins and earnings you choose to log.
• Payment information: subscription status, billing period, customer and subscription identifiers, founding membership history, and payment or refund status. Stripe processes your payment details; we do not store your full card number or security code in our app database.
• Service and security information: activity dates, message usage, AI model and token counts, service costs, delivery failures, and request or device information used by our hosting, authentication, payment, and bot-protection providers. Our app hashes IP addresses for Idea Score rate limits; providers may process the original IP address.
• Support information: the messages and attachments you choose to send us.

An Idea Score can be requested before you create an account. We store that request and result so you can return to it and save it to a workspace. Its claim link is valid for seven days; expiration of the link does not itself erase the stored request.

Please do not enter passwords, API keys, full payment details, government identifiers, patient records, or other people's private information. Share only the business details needed for your next step.

3. How We Use Your Information

We use your information to authenticate you, generate scores and coaching suggestions, save your work, enforce plan and cost limits, manage subscriptions, prevent abuse, deliver account notices and optional reminders, respond to support requests, and maintain the service.

Your idea is private to your account by default. Service providers process relevant information to deliver these features, and authorized support personnel may need access to resolve a request or investigate a security issue. We record owner support views and account changes without storing idea text or email addresses in those action records. We do not publish your workspace or share it with other members.

We may disclose information when reasonably necessary to meet legal obligations, protect rights and safety, investigate abuse, or complete a business transfer subject to appropriate privacy protections.

4. AI Processing

We send relevant business information to Anthropic's commercial API to generate your Idea Score, coach replies, Blueprint drafts, and check-in replies. Depending on the feature, this includes your current request, recent conversation, saved answers, tasks, and progress. We do not send payment card details to the coach.

Anthropic states that commercial API inputs and outputs are not used for model training by default. Its standard API retention is generally up to 30 days, with exceptions such as legal and abuse-prevention requirements or a different agreement. See its model training policy and retention policy. This provider retention is separate from the saved workspace in your account.

AI suggestions can be incomplete or incorrect. You choose what to save, change, and act on. The coach does not make lending, employment, insurance, or other eligibility decisions.

5. Service Providers

We use the following providers for specific parts of the service:

• Supabase: account authentication, database storage, and server functions.
• Anthropic: AI processing as described above.
• Stripe: checkout, recurring payments, invoices, refunds, and the billing portal.
• Resend: sign-in codes, account emails, optional reminders, and delivery feedback. Reminder bodies may contain your idea name and next move; subject lines do not contain private idea text.
• Cloudflare Turnstile: bot protection. Cloudflare processes browser and request signals under its Turnstile privacy policy.
• Hostinger: website hosting and our support mailbox.
• Google Fonts: hosted fonts requested by your browser. Google sign-in is not enabled in this release.
• YouTube: the embedded app walkthrough uses YouTube's privacy-enhanced player. Google may process device and network information to provide the video. See Google's Privacy Policy.

Google Analytics: if you allow analytics, Google processes public-page visits, device and browser information, approximate location derived from network information, and limited Idea Score activity (starting, submitting and completing an assessment, and selecting a start button). We do not send your idea text, answers, scores, email address, account ID, coach conversations or private workspace content to Analytics. We remove query strings and URL fragments from the page addresses we send. Advertising signals and ad personalization are disabled. See Google's Privacy Policy.

We have not added Meta or TikTok advertising pixels to this release.

6. Cookies And Browser Storage

We use browser storage to keep you signed in, remember your active idea, and retain an Idea Score while you finish signing in. Preview mode stores sample workspace data only in that browser. Clearing browser storage may sign you out or remove an unsaved score or preview workspace.

Optional Google Analytics loads on public pages only after you select Allow analytics. Declining does not affect your Idea Score or workspace. We remember your analytics choice for up to 180 days in this browser; Analytics cookies are configured for up to 180 days. Use Analytics choices in the footer to change your choice. Declining after acceptance removes accessible Analytics cookies and reloads the page to stop the loaded tag. It does not erase data already received by Google. Local previews and the signed-in app do not load Analytics.

Our providers may use cookies or similar technologies for authentication, payment security, bot protection, and their own service operations. We do not use browser storage for cross-context behavioral advertising. The app does not change its essential operation in response to Do Not Track; it has no advertising sale or sharing for a Global Privacy Control signal to opt out of in this release.

7. Your Email Choices

In Account, you can turn off encouragement emails, choose a frequency and preferred time, pause them for a week, and choose whether to receive product updates. Encouragement emails include an unsubscribe link that works without signing in. We send no more than two encouragement emails per week.

Sign-in codes and important account or billing notices are separate from optional reminders. Turning off encouragement does not turn off these essential notices. We also process delivery, bounce, and complaint information to avoid repeated or unwanted sends.

8. Retention And Deletion

We retain account and workspace information while you use the service, and as needed to provide it, handle support, meet legal obligations, prevent abuse, and resolve disputes. Visitor score requests and results are stored to support saving a score; contact us if you need help locating or deleting one that was never claimed.

You can select Download My Data in Account to export your main workspace records. Select Delete My Account to delete your account, projects, conversations, Blueprint, tasks, check-ins, wins, and score copies claimed by that account. Account deletion also stops active subscriptions immediately; download anything you want to keep first.

Some records remain for limited purposes: payment providers retain financial records, founding membership history preserves the permanent 50-spot limit, delivery identifiers and hashed email suppressions help prevent abuse or unwanted emails, and AI cost totals and owner action records can remain after account identifiers are removed. Provider backups, logs, and legally required records follow their applicable retention practices. Contact us for a broader privacy request or questions about retained records.

9. Your Privacy Rights

You can edit your name, preferences, and saved workspace answers in the app, export your main workspace records, or delete your account. For access, correction, deletion, or other privacy requests, email info@mindtomoneysteps.com. We may verify your identity and ask for the minimum information needed to find the relevant records. An authorized agent may contact us with evidence of permission.

Where the California Consumer Privacy Act applies, California residents may have rights to know, access, correct, and delete personal information; opt out of its sale or sharing; limit certain sensitive-information uses; and exercise those rights without discrimination, subject to legal exceptions. We do not sell personal information or share it for cross-context behavioral advertising. Learn more from the California Attorney General.

Other laws may provide additional rights depending on where you live. Nothing in this policy limits rights that cannot legally be waived.

10. Security, Transfers, And Children

We use access controls, encrypted connections, and server-side protections designed to limit access to your workspace. No service can guarantee absolute security. Keep your email account secure and do not share sign-in codes.

We and our providers may process information in the United States and other countries where they operate. Those countries may have different privacy laws.

AI Money Coach is intended for adults 18 and older, not children. If you believe a child has provided personal information, contact us so we can investigate and remove it as appropriate.

11. Changes And Contact

We will update the date above when we change this policy and provide additional notice or request consent when required. For privacy questions, contact Jay Hernandez, doing business as Mind To Money Steps, at info@mindtomoneysteps.com or PO Box 41754, Los Angeles, CA 90041.