We take privacy seriously. Our goal is to give you clear, practical control over your information while still using the data that's necessary to deliver our core functionality — like unified account visibility, transaction organization, and AI-powered projections that estimate where your net worth may be in 2030, 2040, and beyond. We design our data practices around data minimization, purpose limitation, and security.
Welcome to MogulBay ("Company," "we," "us," or "our"). This Privacy Policy explains how we collect, use, disclose, and protect your information when you use our website at mogulbay.com (the "Site") and our financial platform services (collectively, the "Services").
By accessing or using our Services, you acknowledge that you have read, understood, and agree to be bound by this Privacy Policy. If you do not agree with this Privacy Policy, you must immediately discontinue use of our Services.
We collect personal information that you voluntarily provide to us when you create an account, connect financial accounts, use our Services, use AI chat or other in-product messaging features, contact customer support, or subscribe to newsletters or communications. This information may include:
When you interact with MogulBay's AI chat or AI agent features, we collect and store the content you submit and receive through the chat, including chat logs, transcripts, prompts, and responses, as well as related metadata (such as timestamps and basic device/session identifiers).
When you connect your financial accounts through our Services, we collect and access:
In many cases, we retrieve this information through third-party financial data aggregators and integrations (for example, Plaid) that connect to your financial institutions at your direction. These providers may process your information to provide their services, and your use of those services may also be governed by their own terms and privacy policies.
We automatically collect certain information when you access our Services:
We may receive information about you from third-party service providers, including financial institutions through our secure banking integration partners (such as Plaid), identity verification services, credit reporting agencies, marketing partners, analytics providers, and public databases.
By using our Services, you grant MogulBay a perpetual, irrevocable, worldwide, royalty-free, sublicensable, and transferable license to use, reproduce, modify, adapt, publish, translate, create derivative works from, distribute, perform, and display your information (including financial data, transaction history, and behavioral patterns) for any business purpose, including but not limited to:
Anonymization Commitment: When we publish, distribute, or share data externally for research, marketing, or other public purposes, we will use commercially reasonable efforts to aggregate and anonymize such data so that individual users cannot be directly identified. However, you acknowledge that no anonymization process is perfect, and re-identification may be possible through sophisticated techniques or combination with other data sources.
We share information with third-party service providers who perform services on our behalf, including:
We share information with these providers only as needed for them to perform services for us, and we expect them to protect the information and use it only for authorized purposes. Chat data may be processed by third-party AI service providers to generate responses and improve AI features, and remains subject to MogulBay's security standards and controls.
If MogulBay is involved in a merger, acquisition, asset sale, bankruptcy, dissolution, reorganization, or similar transaction, your information may be transferred as part of that transaction. You acknowledge and consent to such transfers and that the acquiring entity may continue to use your information as set forth in this Privacy Policy.
We may disclose your information when required by law or when we believe in good faith that disclosure is necessary to comply with legal obligations, court orders, or government requests; enforce our Terms of Service and other agreements; protect our rights, property, or safety, or that of our users or the public; or detect, prevent, or address fraud, security issues, or technical problems.
We may share your information with third parties when you explicitly consent to such sharing.
We may freely share aggregated, anonymized, or de-identified data that does not directly identify you with third parties for any purpose, including research, marketing, partnerships, and public reporting. We take steps intended to reduce the risk that this data could be associated with an identified individual.
We do not sell your personal information.
We implement and maintain commercially reasonable technical, administrative, and physical security measures designed to protect your information from unauthorized access, disclosure, alteration, and destruction. Our security practices include:
Chat Safety Tip: Do not share sensitive personal identifiers (for example, Social Security numbers) directly in the AI chat box.
However, you acknowledge and agree that: no method of transmission or storage is 100% secure; we cannot guarantee absolute security of your information; you use our Services at your own risk; and we are not liable for unauthorized access, hacking, data breaches, or security incidents beyond our reasonable control.
We retain your personal and financial information 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. Retention periods vary based on:
When we no longer need your information, we will securely delete or anonymize it in accordance with our data retention policies. However, you acknowledge that backup copies may persist for a reasonable period, anonymized data may be retained indefinitely, and we have no obligation to delete information used for AI training or algorithm development.
Depending on your location, you may have certain rights regarding your personal information:
You may request access to the personal information we hold about you and request a copy in a portable format.
You may request correction of inaccurate or incomplete personal information.
You may request deletion of your personal information, subject to certain exceptions (e.g., legal obligations, fraud prevention, security purposes, or information necessary for AI training and algorithm development).
You may delete your account at any time by contacting customer support. Upon account deletion, we will deactivate your account and cease providing Services; your personal identifiable information will be deleted or anonymized within a reasonable timeframe; aggregated, anonymized, or de-identified data may be retained indefinitely; and backup copies may persist for a reasonable period.
Important Limitation: Exercising these rights does not affect our right to use anonymized, aggregated, or de-identified data for any purpose, or information already used for AI training and algorithm development.
Our Services may contain links to third-party websites, applications, or services that are not owned or controlled by MogulBay. We are not responsible for the privacy practices of these third parties. We encourage you to read the privacy policies of every website or service you visit.
When you connect your financial accounts, you are using third-party services (such as Plaid) that have their own privacy policies and terms of service. Your use of these services is governed by their respective policies, not this Privacy Policy.
If you are a California resident, you have additional rights under the California Consumer Privacy Act (CCPA) (as amended by the CPRA), subject to certain exceptions.
You have the right to request that we disclose the categories of personal information collected; categories of sources from which information is collected; business or commercial purpose for collecting, using, and sharing information; categories of third parties with whom we share information; and specific pieces of personal information we have collected about you.
You have the right to request deletion of personal information we collected from you, subject to certain exceptions (for example, where the information is needed to provide the Services, detect security incidents, prevent fraud, comply with law, or for other purposes permitted by CCPA/CPRA).
You have the right to request correction of inaccurate personal information we maintain about you.
We do not sell your personal information. We also do not share personal information for cross-context behavioral advertising in the way that term is defined under California law. If our practices change, we will update this Privacy Policy and provide any required opt-out mechanisms.
We will not discriminate against you for exercising your CCPA/CPRA rights.
You (or your authorized agent) may submit a request by contacting us at [email protected]. We will verify your request by asking for information sufficient to confirm your identity and residency, and (if applicable) validate an authorized agent's authority. We may deny requests where we cannot verify identity or where an exception applies.
To exercise your California privacy rights, contact us at [email protected].
MogulBay is based in the United States, and our Services are hosted and operated in the United States. If you access our Services from outside the United States, you acknowledge and agree that your information will be transferred to, stored, and processed in the United States; U.S. privacy laws may be different from those in your jurisdiction; by using our Services, you consent to such transfers and processing; and we comply with applicable data transfer frameworks and regulations.
Our Services are not intended for individuals under the age of 18. We do not knowingly collect personal information from children under 18. If you believe we have inadvertently collected information from a child under 18, please contact us immediately, and we will take steps to delete such information.
We reserve the right to modify, update, or replace this Privacy Policy at any time, at our sole discretion. Changes will be effective immediately upon posting the updated Privacy Policy on our Site with a new "Last Updated" date. Your continued use of our Services after any changes constitutes acceptance of the revised Privacy Policy.
We are under no obligation to notify you of changes to this Privacy Policy, though we may choose to do so via email or through our Services. It is your responsibility to review this Privacy Policy periodically.
If you have questions, concerns, or requests regarding this Privacy Policy or our data practices, please contact us:
MogulBay, LLC
Email: [email protected]
Website: mogulbay.com
For California privacy requests, please include "California Privacy Request" in your subject line.
This Privacy Policy shall be governed by and construed in accordance with the laws of the State of California, without regard to its conflict of law provisions. Any disputes arising from this Privacy Policy shall be subject to the exclusive jurisdiction of the courts located in California.
BY USING OUR SERVICES, YOU ACKNOWLEDGE THAT YOU HAVE READ THIS PRIVACY POLICY, UNDERSTAND IT, AND AGREE TO BE BOUND BY ITS TERMS. IF YOU DO NOT AGREE, YOU MUST IMMEDIATELY STOP USING OUR SERVICES.