PRIVACY POLICY

Last updated November 26, 2025

This Privacy Notice for Pocket Watch Ai, Inc. (“we,” “us,” or “our”) describes how and why we access, collect, store, use, and/or share (“process”) your personal information when you use our services (“Services”), including when you:

Visit our website at http://www.pocketwatchai.com or any other website of ours that links to this Privacy Notice
Download and use our mobile application Pocket Watch, or any other application of ours that links to this Privacy Notice
Engage with us in other related ways, including any sales, marketing, or events

Questions or concerns?
Reading this Privacy Notice will help you understand your privacy rights and choices. We are responsible for deciding how your personal information is processed. If you do not agree with our policies and practices, please do not use our Services. If you still have questions or concerns, please contact us at admin@pocketwatchai.com.

summarySUMMARY OF KEY POINTS

This summary provides key points from our Privacy Notice, but you can find out more details about any of these topics by going to the relevant section in our Table of Contents below.

What personal information do we process?
When you visit, use, or navigate our Services, we may process personal information depending on how you interact with us and the Services, the choices you make, and the products and features you use. See Section 1 for more.

Do we process any sensitive personal information?
Some of the information we process may be considered “special” or “sensitive” in certain jurisdictions, for example financial data or biometric identifiers. We only process such information when necessary and when permitted under applicable law. See Section 1.

Do we collect any information from third parties?
We may collect information from public databases, marketing partners, social media platforms, and other external sources. See Information collected from other sources.

How do we process your information?
We process your information to provide, improve, and administer our Services, communicate with you, for security and fraud prevention, and to comply with law. We may also process your information for other purposes with your consent. See Section 2.

In what situations and with which parties do we share personal information?
We may share information in specific situations and with specific categories of third parties, such as service providers, business partners, and in connection with business transfers. See Section 3.

Do we offer artificial intelligence–based products?
Yes. We provide AI-driven features and services. This may involve processing your data through machine-learning models, subject to safeguards and your choices. See Section 4.

How do we keep your information safe?
We have organizational and technical safeguards designed to protect your personal information. However, no electronic system is 100% secure, so we cannot guarantee that unauthorized third parties will never defeat those protections. See Section 7.

What are your rights?
Depending on where you are located, applicable privacy laws may give you certain rights regarding your personal information, such as the right of access, rectification, deletion, restriction, or portability. See Section 9.

How do you exercise your rights?
The easiest way to exercise your rights is by contacting us at admin@pocketwatchai.com. We will consider and act upon any request in accordance with applicable data protection laws.

Want to learn more about what we do with the information we collect? Read this Privacy Notice in full.

tableTABLE OF CONTENTS

WHAT INFORMATION DO WE COLLECT?
HOW DO WE PROCESS YOUR INFORMATION?
WHEN AND WITH WHOM DO WE SHARE YOUR PERSONAL INFORMATION?
DO WE OFFER ARTIFICIAL INTELLIGENCE-BASED PRODUCTS?
HOW DO WE HANDLE YOUR SOCIAL LOGINS?
HOW LONG DO WE KEEP YOUR INFORMATION?
HOW DO WE KEEP YOUR INFORMATION SAFE?
DO WE COLLECT INFORMATION FROM MINORS?
WHAT ARE YOUR PRIVACY RIGHTS?
CONTROLS FOR DO-NOT-TRACK FEATURES
DO UNITED STATES RESIDENTS HAVE SPECIFIC PRIVACY RIGHTS?
DO WE MAKE UPDATES TO THIS NOTICE?
HOW CAN YOU CONTACT US ABOUT THIS NOTICE?
HOW CAN YOU REVIEW, UPDATE, OR DELETE THE DATA WE COLLECT FROM YOU?

11. WHAT INFORMATION DO WE COLLECT?

Personal information you disclose to us

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

Register for or use the Services
Express an interest in obtaining information about us or our products and Services
Participate in activities on the Services
Communicate with us in any other way

Personal Information Provided by You

The personal information we collect depends on the context of your interactions with us and the Services, and the choices you make. It may include:

Name
Email address
Username and password
Phone number
Billing and mailing addresses
Contact or authentication data
Payment card or bank account details (through our payment processors)

Sensitive Information

When necessary, and permitted by law, we may process certain categories of sensitive information, such as:

Financial data (e.g., bank account or payment card identifiers, account balances or transaction details provided by you or our payment partners)
Biometric data (if you enable biometric authentication on your device and choose to use it with our app — this is typically processed by your device or platform provider rather than directly by us)

Payment Data

If you make purchases, we collect data necessary to process your payment, such as your payment instrument number and the security code associated with your payment method.

All payment data is processed and stored by our payment partners, including Plaid, Stripe, Apple Pay, and Google Pay (as applicable). We do not store your full payment card numbers on our own systems. Please review their privacy notices for more details about how they process your data.

Information automatically collected

When you visit, use, or navigate the Services, we automatically collect certain information. This information does not reveal your specific identity (like your name or contact information) but may include:

Device and usage information
IP address or approximate location
Browser and device characteristics
Operating system and language preferences
Referring URLs
Device name and identifiers
Information about how and when you use our Services (such as pages viewed, features used, and interactions with content)
Diagnostic and performance data (such as logs, error reports, and system activity)

We use this information to maintain the security and operation of our Services, and for internal analytics and reporting purposes.

Like many businesses, we also use cookies and similar tracking technologies. For more information about our use of cookies, please see our Cookie Notice (if provided separately on our website).

Information collected from other sources

To enhance our ability to provide relevant marketing, offers, and services to you, and to update our records, we may obtain information about you from third-party sources, such as:

Public databases
Data providers and licensors
Joint marketing partners
Affiliate programs
Social media platforms
Advertising and analytics partners

This information may include:

Mailing addresses
Job titles
Email addresses and phone numbers
IP addresses and general location data
Social media profiles and related content
Marketing and intent data (i.e., information about your interests or engagement with certain content)

We will process information obtained from these sources in accordance with this Privacy Notice and applicable law.

22. HOW DO WE PROCESS YOUR INFORMATION?

We process your personal information for a variety of reasons, depending on how you interact with our Services. These purposes include:

To facilitate account creation and authentication and manage user accounts
We may process your information so you can create an account, log in, and maintain your account.
To provide and deliver the Services
We process information as necessary to provide and operate our features, including budgeting tools, analytics, notifications, and integrations with financial institutions or payment providers.
To personalize and improve your experience
We may process your information to customize content and recommendations, remember your preferences, and improve our algorithms and user interfaces.
To communicate with you
We may process your information to respond to inquiries, send service-related messages, provide customer support, and deliver updates about new features, changes to our terms, or other important notices.
To send marketing and promotional communications
Where permitted by law, we may use your information to send you marketing communications about products, services, and events we believe may be of interest to you. You can opt out of marketing communications at any time.
To deliver targeted advertising
Where allowed, we may work with advertising partners to show you relevant advertisements based on your use of our Services.
For analytics and product development
We may process your information as part of our efforts to understand how our Services are used, measure performance, and develop new features and services.
To protect our Services, users, and business
We may process your information for fraud monitoring and prevention, security monitoring, and to detect and respond to suspicious or harmful activity.
To comply with legal obligations and enforce our rights
We may process your information as necessary to comply with applicable laws, regulatory requirements, legal processes, or government requests; enforce our terms and policies; and protect against legal claims.
With your consent
We may process your information for other purposes that are clearly explained to you at the time you provide the information and when you have given consent. You may withdraw your consent at any time as permitted by law.

We will only process your personal information where we have a valid legal basis, which may include your consent, the necessity to perform a contract with you, compliance with legal obligations, or our legitimate interests.

We may share your personal information in the following situations:

Service Providers and Vendors
We may share your information with third-party companies that provide services on our behalf, such as hosting, data storage, analytics, customer support, payment processing, identity verification, and email delivery.
Business Transfers
We may share or transfer your information in connection with, or during negotiations of, any merger, sale of company assets, financing, or acquisition of all or a portion of our business by another company.
Affiliates
We may share your information with our affiliates, in which case we will require them to honor this Privacy Notice. Affiliates include any subsidiaries, joint venture partners, or other companies that we control or that are under common control with us.
Business Partners
We may share your information with business partners to offer you certain products, services, or promotions.
Financial Institution Integrations
When you choose to connect your financial accounts through providers like Plaid or similar services, information necessary to facilitate those connections and retrieve data (such as account and transaction information) may be shared with and processed by those providers.
Financial Institutions (Plaid)
Pocket Watch AI, Inc. uses Plaid Inc. ("Plaid") to gather your data from financial institutions. By using the Service, you grant Pocket Watch AI, Inc. the right, power, and authority to act on your behalf to access and transmit your personal and financial information from your relevant financial institution. You agree to your personal and financial information being transferred, stored, and processed by Plaid in accordance with Plaid's Privacy Policy.
Legal and Regulatory Requirements
We may share your information if we believe it is necessary to:
- Comply with applicable law, legal process, or governmental requests
- Protect and defend our rights, property, or interests
- Investigate or prevent potential wrongdoing in connection with the Services
- Protect the personal safety of our users, employees, or others
Other Users or Third Parties With Your Consent
We may share your information with other parties at your direction or with your explicit consent.

We do not sell your personal information for money. Where applicable law treats certain types of sharing as a “sale” or “sharing” for targeted advertising, we will comply with those requirements and provide you with relevant choices.

44. DO WE OFFER ARTIFICIAL INTELLIGENCE-BASED PRODUCTS?

Our Services may include features powered by artificial intelligence (AI) and machine-learning models, such as:

Smart budgeting suggestions
Automated categorization of transactions
Predictive insights and alerts
Natural language interfaces or assistants

When you use these features, we may process:

Inputs you provide (e.g., text, queries, financial data you link)
Outputs generated by our models (e.g., recommendations, summaries, categorizations)
Feedback you give about the quality or accuracy of results

We use this information to:

Provide the requested AI-powered feature
Improve model accuracy and performance over time
Detect and prevent abuse or misuse of our systems

Where required by law, we will request your consent before using your data for certain AI training or improvement purposes, and you may be able to opt out of such uses.

We take steps designed to reduce the risk of bias and misuse, but AI systems may sometimes produce incorrect or incomplete outputs. You should not rely solely on AI-generated results for critical financial or legal decisions and should always exercise your own judgment.

Our Services may offer you the ability to register and log in using third-party social media account details (such as Google or Apple).

If you choose this option, we may receive information about you from your social login provider, such as:

Name
Email address
Profile picture
Language settings
Other information you have made public or authorized the provider to share

We will use this information only for the purposes described in this Privacy Notice or as otherwise explained to you on the Services.

You can choose to disconnect your social login account from your account with us at any time by adjusting your settings with the provider or within our Services (where such functionality is available).

Please note that we do not control your social login provider’s own collection and use of your information. We encourage you to review their privacy policies.

66. HOW LONG DO WE KEEP YOUR INFORMATION?

We keep your personal information only for as long as it is necessary for the purposes set out in this Privacy Notice, unless:

A longer retention period is required by law (for example, tax, accounting, or regulatory requirements), or
A longer retention period is needed to establish, exercise, or defend legal claims.

When we no longer have a legitimate business need to process your personal information, we will either delete or anonymize it. If this is not possible (for example, because information is stored in backup archives), we will securely store your information and isolate it from further processing until deletion is possible.

77. HOW DO WE KEEP YOUR INFORMATION SAFE?

We have implemented appropriate technical and organizational security measures designed to protect the confidentiality, integrity, and availability of the personal information we process. These measures may include:

Encryption in transit and/or at rest (where appropriate)
Access controls and authentication mechanisms
Network and application security monitoring
Regular security assessments and audits
Staff training on data protection and security

However, no method of transmission over the internet or method of electronic storage is completely secure. Although we do our best to protect your personal information, we cannot guarantee absolute security. Any transmission of personal information is at your own risk.

88. DO WE COLLECT INFORMATION FROM MINORS?

Our Services are not directed to, and we do not knowingly collect personal information from, children under the age of 18 (or other age as defined by local law).

If we learn that we have collected personal information from a child without appropriate consent or authorization, we will take reasonable steps to delete that information as soon as possible.

If you become aware of any data we may have collected from a child, please contact us at admin@pocketwatchai.com.

99. WHAT ARE YOUR PRIVACY RIGHTS?

Depending on your jurisdiction, your rights may include:

Right of access – You can request a copy of the personal information we hold about you.
Right to rectification – You can ask us to correct inaccuracies or complete incomplete information.
Right to deletion (erasure) – You can ask us to delete your personal information, subject to certain exceptions.
Right to restrict processing – You can ask us to restrict our processing in certain circumstances.
Right to data portability – You can request to receive your personal information in a structured, commonly used, and machine-readable format, and to have it transferred to another controller where technically feasible.
Right to object – You may object to certain processing activities, including direct marketing or processing based on our legitimate interests.
Right to withdraw consent – Where processing is based on your consent, you may withdraw your consent at any time, without affecting the lawfulness of processing carried out before withdrawal.

To exercise any of these rights, please contact us at admin@pocketwatchai.com. We may need to verify your identity before responding to your request. We will consider and act upon any request in accordance with applicable data protection laws.

If you believe we are unlawfully processing your personal information, you also have the right to lodge a complaint with your local data protection authority.

1010. CONTROLS FOR DO-NOT-TRACK FEATURES

Many web browsers and some mobile operating systems and applications include a Do-Not-Track (“DNT”) feature or setting you can activate to signal your preference not to have information about your online browsing activities monitored and collected.

At this time, no uniform technology standard for recognizing and implementing DNT signals has been finalized. As a result, we do not currently respond to DNT browser signals or any other mechanism that automatically communicates your choice not to be tracked online.

If a standard for online tracking is adopted in the future that we must follow, we will describe our practices in an updated version of this Privacy Notice.

1111. DO UNITED STATES RESIDENTS HAVE SPECIFIC PRIVACY RIGHTS?

Depending on your state of residence (for example, California, Colorado, Virginia, or other states with comprehensive privacy laws), you may have specific rights regarding your personal information, which can include:

The right to know the categories and specific pieces of personal information we have collected about you
The right to know the categories of sources from which the personal information is collected
The business or commercial purposes for collecting, selling, or sharing personal information
The categories of third parties with whom we share personal information
The right to request deletion of your personal information
The right to correct inaccurate personal information
The right to opt out of certain types of data “sales” or “sharing” (as defined by law)
The right not to receive discriminatory treatment for exercising your privacy rights

We do not sell your personal information for monetary consideration. However, some of the ways in which we share personal information (for example, with advertising or analytics partners) may be considered a “sale” or “sharing” under some state privacy laws.

If you are a resident of a U.S. state that provides these rights and wish to exercise them, please contact us at admin@pocketwatchai.com. We will respond to your request consistent with applicable law.

1212. DO WE MAKE UPDATES TO THIS NOTICE?

We may update this Privacy Notice from time to time. The updated version will be indicated by an updated “Last updated” date at the top of this Notice.

We may notify you of material changes by:

Posting a notice on our website or within the Services
Sending an email to the email address associated with your account (where appropriate)

We encourage you to review this Privacy Notice periodically to stay informed about how we are protecting and using your information.

1313. HOW CAN YOU CONTACT US ABOUT THIS NOTICE?

If you have questions or comments about this Privacy Notice, you may contact us at:

Pocket Watch Ai, Inc.
Email: admin@pocketwatchai.com

1414. HOW CAN YOU REVIEW, UPDATE, OR DELETE THE DATA WE COLLECT FROM YOU?

Depending on your location and applicable law, you may have the right to request access to, update, or delete the personal information that we collect from you.

To submit such a request, please contact us at admin@pocketwatchai.com. We will consider and respond to all requests in accordance with applicable data protection laws.

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Privacy Policy