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Privacy Policy

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Effective date: March 18, 2026

This Privacy Policy explains how OneRealmVentures, LLC ("OneBudgetAI," "we," "us," "our") collects, uses, shares, and protects personal information when you use our websites, mobile apps, and related services (collectively, the "Service").

Your use of the Service is also subject to our Terms of Use.

Quick Summary

  • We collect only the data we need to operate and improve budgeting, planning, reporting, and support.
  • We do not sell your financial data. We disclose data to service providers only as needed to run the Service.
  • You can request access, correction, deletion, or other applicable rights by emailing hello@onerealmllc.com.

1. Information We Collect

  • Account information: email, authentication identifiers, and profile details you provide.
  • Financial information: connected account metadata, balances, transactions, and budgeting data synchronized through providers such as Plaid.
  • Payment data: subscription and billing status through payment processors such as Stripe. We do not store full payment card numbers.
  • Usage and device data: pages viewed, interactions, approximate location from IP, device type, browser/app diagnostics, and log data.
  • User content: prompts, notes, and messages submitted to features such as AI Coach.

2. Sources Of Personal Data

  • Information you provide directly when creating an account or using features.
  • Information collected automatically through app and web usage logs.
  • Information from linked financial institutions via providers such as Plaid.
  • Information from service providers that help us operate support and analytics.

3. How We Use Information

  • Provide core budgeting, reporting, and household collaboration features.
  • Authenticate users, maintain account security, and prevent fraud or abuse.
  • Process subscriptions, billing, and customer support requests.
  • Improve product quality, reliability, and feature performance.
  • Comply with legal obligations and enforce our Terms of Use.

4. Legal Bases (Where Applicable)

Depending on your location, we process personal data under one or more legal bases, including your consent, performance of our contract with you, legitimate business interests, and legal compliance obligations.

5. How We Share Information

We do not sell personal information for money, and we do not sell your financial data. We share information only as reasonably necessary to operate the Service, including with:

  • Infrastructure, analytics, and customer support vendors.
  • Financial connectivity and payment providers (such as Plaid and Stripe).
  • Professional advisors, auditors, and legal/compliance partners when required.
  • Authorities or counterparties when required by law or valid legal process.
  • Successor entities in a merger, acquisition, financing, or asset transfer.

6. Tracking Tools, Advertising, And Opt-Out

We use cookies and similar technologies for core functionality, analytics, security, and product improvement. Where applicable, you may be able to manage cookie choices through browser settings.

Depending on your jurisdiction, some advertising-related analytics may be treated as "sharing" for targeted advertising under certain U.S. state laws. We do not use this data to sell your financial data.

7. Data Retention

We retain information for as long as needed to provide the Service, support legitimate business operations, resolve disputes, enforce agreements, and comply with legal obligations. Retention periods may vary by data type and jurisdiction.

8. Security

We use administrative, technical, and organizational safeguards designed to protect personal information. No method of transmission or storage is guaranteed to be 100% secure, and we cannot guarantee absolute security.

9. U.S. State Privacy Rights

Depending on your state, you may have rights to access, correct, delete, or receive a copy of your personal information, and to object to or limit certain processing. You may also have rights related to targeted advertising or "sale/share" concepts under certain U.S. state privacy laws.

10. How To Exercise Your Rights

To submit a request, email hello@onerealmllc.com.

Please include enough detail for us to verify your identity and process your request. Where required by law, you may also use an authorized agent and may appeal qualifying denial decisions.

11. Children's Privacy

The Service is not directed to children under 18, and we do not knowingly collect personal information from children under 18.

12. International Transfers

Your information may be processed in countries other than your own. Where required, we use appropriate safeguards for cross-border data transfers.

13. Changes To This Policy

We may update this Privacy Policy from time to time. If we make material changes, we will update the effective date and provide notice as appropriate within the Service.

14. Contact

Questions or privacy requests can be sent to hello@onerealmllc.com.