Privacy Policy

This Privacy Policy explains how YOR. ("we," "us," or "our") collects, uses, and protects your personal information when you use our website, mobile application (the "App"), or services. We are committed to respecting your privacy and ensuring that your personal data is handled securely and responsibly.

Personal Data

We may collect and process the following personal information:

• Contact Information: Name, email address, phone number, and mailing address.
• Profile Information: Display picture and files you have uploaded.
• Financial Data: Details and values of all types of assets, liabilities, income, and expenses.

Usage Data

We automatically collect information about how you interact with our website, App, and services. This may include:

• Your IP address
• Browser type and version
• Pages visited and time spent on each page
• Device Information: Device model, operating system (e.g., iOS version), and locale
• App Usage: Feature usage, session duration, and crash reports

Subscription Data (Mobile App)

We use third-party services like Superwall and Apple StoreKit to manage subscriptions within our App. These services may process anonymous IDs to validate your purchase status. We do not process or store your credit card information; all payment transactions are handled directly by Apple via the App Store.

Cookies and Similar Technologies

We use cookies and similar tracking technologies to enhance your browsing experience and improve our services. By continuing to use our website, you consent to our use of cookies as described in this policy. You can disable cookies in your browser settings, but this may affect website functionality.

Types of Cookies We Use

• Strictly Necessary Cookies – Essential for core functionalities such as secure login, shopping cart usage, and e-billing services.
• Analytical/Performance Cookies – Help us track website traffic, count visitors, and analyze user navigation to improve website usability.
• Functionality Cookies – Allow us to recognize you on return visits, personalize content, and remember preferences (e.g., language or region settings).
• Targeting Cookies – Track your visits, pages viewed, and links clicked to provide a more relevant experience. We may also use this data for targeted advertising and share it with third parties for this purpose.

We use both session cookies (deleted when you close your browser) and persistent cookies (which remain active when you reopen the website). Except for strictly necessary cookies, all cookies expire at the end of your session or after 14 days.

Google Analytics

We use Google Analytics to analyze website usage and improve user experience. Google Analytics collects data via JavaScript tags to track user interactions, such as page views and navigation patterns.

Google Analytics uses HTTP cookies to "remember" past interactions. Learn more here: Google Analytics Cookie Usage.

Google's privacy policy is available at: Google Privacy Policy.

Third-Party Cookies

Third parties (such as advertising networks and external analytics providers) may also use cookies, which we do not control. These are typically analytical or targeting cookies.

How We Use Your Information

We may use your personal information for the following purposes:

• Providing and improving our services – To operate, maintain, and enhance our services (e.g., tracking your assets and goals).
• Communicating with you – To respond to inquiries, send important notifications, and provide marketing communications (if opted in).
• App Maintenance & Support – To monitor the usage of the App, and to detect, prevent, and fix technical issues.
• Subscription Management – To validate your premium subscription status.

Data Storage & Sharing

We do not share your personal information with third parties except as necessary to provide our services.

Website Storage: Your data is securely stored on Google Cloud, and you may choose to authenticate using Google Authorization. While we do not actively share your data, it is processed and stored by Google as part of our infrastructure.

Mobile App Storage: Your primary App data (such as financial tracking or goals) may be stored locally on your device. If iCloud sync is enabled, your data syncs across your devices via your personal Apple iCloud account. Apple encrypts this data, and we do not have direct access to it.

Third-Party Services

We may employ third-party companies and services for the following reasons:

• Apple: For App payment processing and crash reporting.
• Superwall: To manage paywalls and subscription logic within our App.
• PostHog: For tracking in-app events and product analytics to help us improve the App's user experience.
• Google: As detailed above for website analytics (Google Analytics) and cloud infrastructure.

These third parties have access to your Personal Information only to perform these tasks on our behalf and are obligated not to disclose or use it for any other purpose.

Your Choices

You have control over how your personal information is used:

• Email Preferences: You can opt out of marketing emails or other communications by adjusting the notification settings in your profile or by contacting us directly.
• Access & Updates: If you need to review or update your personal information, you can do so through your account settings or by reaching out to us.
• Data Deletion: You can request to have your personal data deleted by contacting us directly. Please note that some data may need to be retained for legal or security reasons.

Security

We take reasonable security measures to protect your personal information from unauthorized access, use, or disclosure. We strive to use commercially acceptable means to protect your data. However, no method of online transmission or method of electronic storage is 100% secure, and we cannot guarantee absolute security.

Children's Privacy

Our App and services have no specific age limitations. However, we do not knowingly collect personally identifiable information from anyone under the age of 13. If you are a parent or guardian and you are aware that your child has provided us with Personal Data, please contact us.

Changes to This Privacy Policy

We may update this Privacy Policy periodically. Any changes will be posted on our website, and we encourage you to review this policy regularly.

Contact Information

If you have any questions about this Privacy Policy, please contact us at: support@yor.capital.