ModuFinance Privacy Policy (U.S.-Ready Template) Effective Date: February 16, 2026 Last Updated: February 16, 2026 ModuFinance (“ModuFinance,” “we,” “us,” or “our”) provides a mobile application and related services (the “Service”). This Privacy Policy explains how we collect, use, disclose, and retain personal information, and describes your privacy rights. If you do not agree with this Privacy Policy, please do not use the Service. -------------------------------------------------- 1) Scope This Privacy Policy applies to personal information we process through: - Our mobile app and related features - Customer support communications - Other interactions with us related to the Service It does not apply to third-party websites, apps, or services that we do not control. -------------------------------------------------- 2) Information We Collect A. Information you provide - Account information from social login: - Google Sign-In: name, email, profile image, Google account identifier - Apple Sign-In: name (if provided), email (if provided), Apple account identifier - Profile information you choose to add - Content you create (e.g., posts, images, comments, messages where applicable) - Communications with support B. Information collected automatically - Device and app data (device model, OS version, app version, language, time zone) - Log and usage data (feature usage, timestamps, interactions) - IP address and network-related data - Push token (Firebase Cloud Messaging) - Crash and diagnostics data (Firebase Crashlytics) - Advertising identifiers (Android ADID / iOS IDFA, subject to device settings/permissions) C. Optional permissions-based data - Photos/media library access (if you upload media) - Camera access (if you capture media) - Location data (only if location features are enabled and permission is granted) - Notifications preference and delivery status We do not intentionally collect sensitive personal information unless required to provide a specific feature and permitted by law. -------------------------------------------------- 3) How We Use Information We use personal information to: - Authenticate users and provide account access - Operate core app functions - Deliver, maintain, and improve the Service - Personalize user experience and content - Send push notifications you request or allow - Measure ad performance and support monetization (e.g., AdMob) - Detect, prevent, and investigate fraud, abuse, or security incidents - Comply with legal obligations and enforce our Terms -------------------------------------------------- 4) Legal Bases (Where Required) Depending on your jurisdiction, we process data based on: - Your consent - Performance of our contract with you - Legitimate interests (e.g., security, product improvement) - Legal obligations -------------------------------------------------- 5) How We Disclose Information We may disclose personal information: - To service providers/processors that help us run the Service - To comply with law, court order, or legal process - To protect rights, safety, and security of users, us, or others - In connection with a merger, acquisition, financing, or asset transfer - With your direction or consent Service providers may include: - Google LLC (Google Sign-In, Firebase Cloud Messaging, Crashlytics, AdMob) - Apple Inc. (Apple Sign-In) We do not sell personal information for money. We do not knowingly share personal information for cross-context behavioral advertising in a way that requires an opt-out link under applicable law unless and until such practices are enabled, in which case required opt-out mechanisms will be provided. -------------------------------------------------- 6) Data Retention We retain personal information only as long as reasonably necessary for the purposes described in this Policy, including: - Account lifecycle and service operations - Legal, tax, accounting, and compliance obligations - Dispute resolution and enforcement When no longer needed, we delete or de-identify personal information, or securely isolate it until deletion is possible. -------------------------------------------------- 7) Data Security We use reasonable administrative, technical, and physical safeguards designed to protect personal information, including access controls, encryption in transit, and monitoring. No method of transmission or storage is fully secure. You use the Service at your own risk. -------------------------------------------------- 8) Children’s Privacy (U.S. COPPA) The Service is not directed to children under 13, and we do not knowingly collect personal information from children under 13 without legally required parental consent. If you believe a child under 13 has provided personal information, contact us at yong12025@gmail.com and we will take appropriate steps. -------------------------------------------------- 9) Your Privacy Choices You can: - Update account/profile information in-app (where available) - Disable push notifications in device settings - Manage location, camera, photos, and tracking permissions in device settings - Reset or limit advertising identifiers on your device - Request account deletion by contacting us (or via in-app flow if available) -------------------------------------------------- 10) U.S. State Privacy Rights Notice If you are a resident of certain U.S. states (for example, California, Colorado, Connecticut, Virginia, Utah, and others with applicable privacy laws), you may have rights such as: - Right to know/access - Right to delete - Right to correct - Right to data portability - Right to opt out of certain processing (such as targeted advertising, sale, or profiling where applicable) - Right to non-discrimination for exercising privacy rights How to exercise rights: - Email: artiststland@gmail.com - Subject line: “Privacy Rights Request” Verification: We may need to verify your identity before processing your request. Authorized agent: Where permitted by law, you may designate an authorized agent to submit requests on your behalf. Appeals: If we deny your request, you may appeal by replying to our decision email with “Privacy Appeal.” California-specific note: “Shine the Light” and other California disclosures will be provided upon request where applicable. -------------------------------------------------- 11) International Transfers If personal information is processed outside your state or country, we take reasonable steps to ensure appropriate safeguards consistent with applicable law. -------------------------------------------------- 12) Third-Party Services and Links The Service may contain links to third-party services. Their privacy practices are governed by their own policies, not ours. Relevant third-party privacy resources: - Google: https://policies.google.com/privacy - Firebase: https://firebase.google.com/support/privacy - AdMob: https://support.google.com/admob/answer/6128543 - Apple: https://www.apple.com/legal/privacy/ -------------------------------------------------- 13) Changes to This Policy We may update this Privacy Policy from time to time. If we make material changes, we will provide notice through the app, website, or other appropriate channels. Your continued use of the Service after an update means the updated Policy applies. -------------------------------------------------- 14) Contact Us Privacy Contact: Kim Yongwoo Email: artiststland@gmail.com For privacy complaints, you may also contact your local/state data protection or consumer protection authority. -------------------------------------------------- 15) App Permissions Summary (Mobile) Depending on your choices and device, the app may request: - Required: Internet/network access - Optional: Camera, Photos/Media, Notifications, Location, Tracking (iOS), Microphone (if voice features are enabled) You can grant or revoke permissions at any time in device settings. Some features may not work without relevant permissions.