Kiddo-Bank Privacy Policy

Effective Date: March 13, 2026

Kiddo-Bank respects your privacy. This Privacy Policy explains how we may collect, use, store, disclose, and protect information when you use the Kiddo-Bank website, mobile application, and related services (collectively, the "Service").

Kiddo-Bank is a parent-managed family organization and learning service. It is designed to help parents or guardians manage child profiles, chores, rewards, virtual balances, and learning features.

1. Information We May Collect

We collect the information needed to create and secure parent accounts, including email address, password, email-verification information, and password-reset information.

If you use the website contact form, we collect your name, email address, and message. Inside the app, we store the family information needed to run Kiddo-Bank, such as child profile details, family settings, chores, rewards, loans, transactions, notifications, and trivia-related information.

We also use local device or browser storage to keep the app working properly, such as remembering the current session, selected child profile, privacy choices, and other app settings. If a user chooses to submit a chore proof photo, that photo is uploaded and linked to the related chore so it can be reviewed by a parent or, if enabled, by the app's AI-assisted review feature. We do not knowingly use children's personal information for behavioral advertising.

2. How We Use Information

We use this information to provide and protect Kiddo-Bank, manage accounts, support login and password recovery, save family settings, show chores and rewards, run learning features, send notifications, respond to support requests, support account deletion, and keep the service secure.

We may also use automated or AI-assisted tools for certain features when allowed by the parent’s settings or the user’s choices. For example, if a parent enables AI-assisted task review, a chore proof photo may be checked to see whether a task appears complete. Parents can turn this feature off and use manual parent review instead.

We may also use AI-supported tools for features such as educational content generation or parent-facing assistance. These features are used to provide the service and do not change the parent-managed nature of the app.

3. Children's Privacy

Kiddo-Bank is intended to be used with parent or guardian involvement. Information about children is meant to be provided and managed by a parent or guardian, including child profiles, child PIN setup, privacy choices, and optional AI-assisted photo review settings.

If a parent enables AI-assisted task review, users should not submit chore proof photos that include faces or other identifying body parts. If a photo appears to include a person or visible body parts, the app may reject it and ask for a new photo or manual parent review instead.

If you believe information relating to a child has been submitted inappropriately, please contact us so we can review the request.

4. Sharing of Information

We may share information with service providers that help us operate, host, secure, support, store, or process the Service, including providers that support authentication, communications, storage, and AI-assisted features. We may also disclose information when required by law, to protect rights and safety, to prevent fraud or misuse, or in connection with a business transaction such as a merger, acquisition, or sale of assets.

We do not sell personal information, and we do not share personal information for cross-context behavioral advertising as described under applicable privacy laws.

Examples of service providers used to support the Service may include Base44 for backend infrastructure, authentication, database, and managed AI integrations, as well as other providers used for avatars, QR-related features, subscriptions, or account communications where applicable.

5. Data Retention

We retain personal information for as long as reasonably necessary to provide the Service, comply with legal obligations, resolve disputes, protect the Service, and enforce our agreements. Retention periods may vary depending on the type of information and the purpose for which it was collected.

6. Security

We use reasonable administrative, technical, and organizational safeguards designed to protect personal information. However, no method of transmission over the internet or electronic storage is completely secure, and we cannot guarantee absolute security.

7. Cookies and Similar Technologies

We may use cookies, local storage, or similar technologies where necessary to operate the website, remember preferences, maintain sessions, improve performance, and support security and functionality.

8. Your Rights and Choices

Depending on your location and applicable law, including laws such as GDPR and CCPA/CPRA, you may have rights to access, correct, delete, or request information about personal information we hold about you. Parents or guardians may also request review, correction, or deletion of information associated with their family account, subject to applicable law and operational requirements.

Where available, users may also use in-app account management tools, including account deletion tools, to request deletion of their account data.

9. Third-Party Services

The Service may rely on third-party providers for hosting, communications, subscriptions, storage, support, or other operational functions. Those providers may process information on our behalf in accordance with their own terms and legal obligations.

Where AI-assisted features are enabled by the parent, limited inputs needed to provide those features may be processed through our managed service providers. We do not describe the Service as using children's personal information for behavioral advertising.

10. International Data Transfers

Your information may be processed or stored in countries other than your own. By using the Service, you understand that privacy laws in those jurisdictions may differ from those in your location.

11. Changes to This Policy

We may update this Privacy Policy from time to time. If we make material changes, we will post the updated policy here and revise the Effective Date above.

12. Contact Us

If you have questions about this Privacy Policy or privacy-related requests, contact us at support@kiddo-bank.com.