Privacy Policy

Last updated: February 13, 2026

1. Information We Collect

We collect information you provide directly to us, such as when you create an account, use our services, or contact us for support.

2. How We Use Your Information

We use the information we collect to:

3. Financial Data Protection

As a financial services application, we take extra precautions with your sensitive data:

4. AI-Powered Features

We offer optional AI-powered features with your explicit consent. All AI features can be disabled at any time in your account settings.

5. Information Sharing

We do not sell, trade, or rent your personal information to third parties. We may share your information only in the following circumstances:

6. Third-Party Services

We integrate with the following third-party services, each with their own privacy practices:

7. Data Retention

We retain your information for as long as necessary to provide our services and comply with legal obligations:

8. Cookies and Tracking

We use cookies and similar technologies to operate our platform and improve your experience. For detailed information about the cookies we use, please see our Cookie Policy.

9. Data Security

We implement industry-standard security measures to protect your personal information:

10. Your Rights

You have the following rights regarding your personal information:

11. California Privacy Rights (CCPA/CPRA)

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

  • Right to Know: You can request information about the categories and specific pieces of personal information we have collected about you in the past 12 months
  • Right to Delete: You can request deletion of your personal information, subject to certain exceptions
  • Right to Correct: You can request correction of inaccurate personal information
  • Right to Opt-Out: You can opt out of the sale or sharing of your personal information
  • Right to Non-Discrimination: We will not discriminate against you for exercising your privacy rights

We Do Not Sell or Share Your Personal Information

We do not sell your personal information to third parties. We do not share your personal information for cross-context behavioral advertising. As such, we do not offer an opt-out for the sale or sharing of personal information.

To submit a CCPA request: Email us at support.tips@kyd.net with the subject line "CCPA Request." We will verify your identity and respond within 45 days.

12. Children's Privacy

Our services are not directed to individuals under the age of 13. We do not knowingly collect personal information from children under 13. If we become aware that a child under 13 has provided us with personal information, we will take steps to delete such information. If you believe a child under 13 has provided us with personal information, please contact us immediately.

13. Changes to This Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or legal requirements. We will notify you of any material changes by posting the updated policy on this page and updating the "Last Updated" date. Your continued use of our services after any changes constitutes acceptance of the updated policy.

14. Contact Us

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