Privacy Policy

Introduction

Fiat Labs (“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 visit our website at fiatlabs.dev (the “Site”), use our Fiat Money application (the “App”), access our API services, or use any other Fiat Labs property, service, or offering (collectively, the “Services”).

Please read this Privacy Policy carefully. By accessing or using our Services, you agree to be bound by the terms and conditions described in this policy.

Information We Collect

Information You Provide to Us

We may collect information that you voluntarily provide to us when you:

• Create an account or register for our Services
• Use the Fiat Money application to manage your finances
• Link your bank accounts or financial institutions through our Services
• Subscribe to our newsletter
• Contact us through our website, application, or support channels
• Participate in surveys or feedback forms
• Register for events or webinars
• Use our API services

This information may include:

• Name
• Email address
• Password and authentication credentials
• Financial account information (when you link accounts through our Services)
• Transaction data and financial information
• Billing and payment information
• Any other information you choose to provide

Automatically Collected Information

When you visit our Site, use our App, or access our Services, we may automatically collect certain information about your device and usage patterns, including:

• IP address
• Device identifiers (such as device ID, advertising ID)
• Browser type and version
• Operating system and platform
• Application version and usage data
• Pages or screens you visit and time spent
• Features you use within our Services
• Referring website addresses or app sources
• Date and time of your visit or use
• Clickstream data and navigation patterns
• Device location information (if you grant permission)
• Crash reports and error logs

We collect this information using cookies, web beacons, pixel tags, and similar tracking technologies in our website, application, and API services.

How We Use Your Information

We use the information we collect to:

• Provide, maintain, and improve our Services and any Fiat Labs property, including the Fiat Money application and API services
• Process and manage your financial account connections and transactions
• Generate financial insights, reports, and recommendations
• Authenticate your identity and secure your account across all Fiat Labs properties
• Send you newsletters, marketing communications, and service updates (with your consent)
• Respond to your inquiries and provide customer support
• Analyze usage patterns and trends to improve user experience across all our Services and Fiat Labs properties
• Personalize your experience within our application and other Fiat Labs properties
• Detect, prevent, and address technical issues, fraud, and security threats
• Comply with legal obligations and regulatory requirements
• Enforce our Terms of Service and other agreements

Cookies and Tracking Technologies

We use cookies, local storage, and similar tracking technologies to track activity across our Services and any Fiat Labs property and store certain information. Cookies are small data files stored on your device. We use these technologies to:

• Remember your preferences and settings across Fiat Labs properties
• Authenticate your sessions
• Analyze how you use our Services and Fiat Labs properties
• Provide personalized features and content

You can instruct your browser to refuse all cookies or to indicate when a cookie is being sent. However, if you do not accept cookies, you may not be able to use some portions of our Services or other Fiat Labs properties. Our mobile application and other Fiat Labs properties may also use similar technologies to enhance functionality and user experience.

Third-Party Services

We may use third-party services that collect, monitor, and analyze information to help us operate and improve our Services and any Fiat Labs property. These third parties may have access to your information only to perform specific tasks on our behalf and are obligated not to disclose or use it for any other purpose.

Examples of third-party services we may use include:

• Financial data providers (e.g., Plaid) for account linking and transaction data
• Analytics services (e.g., Google Analytics) to understand usage patterns
• Email marketing platforms for communications
• Cloud hosting and content delivery networks
• Payment processors for billing
• Customer support platforms
• Error monitoring and crash reporting services

When you link your financial accounts through our Services or any Fiat Labs property, you will be connecting to a third-party service provider. We encourage you to review the privacy policies of these third-party providers to understand how they handle your information.

Data Security

We implement appropriate technical and organizational security measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction. However, no method of transmission over the Internet or electronic storage is 100% secure, and we cannot guarantee absolute security.

Data Retention

We will retain your personal information only for as long as necessary to fulfill the purposes outlined in this Privacy Policy, unless a longer retention period is required or permitted by law.

Your Rights

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

• Access: Request access to your personal information
• Correction: Request correction of inaccurate or incomplete information
• Deletion: Request deletion of your personal information
• Opt-out: Unsubscribe from marketing communications
• Data Portability: Request a copy of your data in a portable format

To exercise these rights, please contact us using the information provided in the “Contact Us” section below.

Children’s Privacy

Our Services and any Fiat Labs property are not intended for children under the age of 13. We do not knowingly collect personal information from children under 13. If you are a parent or guardian and believe your child has provided us with personal information, please contact us immediately.

International Data Transfers

Your information may be transferred to and maintained on computers located outside of your state, province, country, or other governmental jurisdiction where data protection laws may differ. By using our Services or any Fiat Labs property, you consent to the transfer of your information to these facilities. This includes data transfers that may occur when you use our Services or any Fiat Labs property, link financial accounts, or when we process your information through third-party service providers.

Changes to This Privacy Policy

We may update our Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on this page and updating the “Last updated” date. Changes to this Privacy Policy apply to our Services and any Fiat Labs property. You are advised to review this Privacy Policy periodically for any changes.

California Privacy Rights

If you are a California resident, you have additional rights under the California Consumer Privacy Act (CCPA), including:

• The right to know what personal information we collect, use, disclose, and sell
• The right to delete personal information we have collected
• The right to opt-out of the sale of personal information (we do not sell personal information)
• The right to non-discrimination for exercising your privacy rights

Contact Us

If you have any questions about this Privacy Policy or our privacy practices, please contact us at:

Fiat Labs
Email: privacy AT fiatlabs DOT dev

Effective Date

This Privacy Policy is effective as of November 30, 2025, and will remain in effect except with respect to any changes in its provisions in the future, which will be in effect immediately after being posted on this page.