Privacy Policy

This Privacy Policy explains how LearnFolio collects, uses, discloses, and protects information when you use the LearnFolio app, website surfaces, educational content, simulated practice experience, and related services.

LearnFolio is designed for investment education and simulated practice. It is not a real-money trading platform and does not provide personalized financial advice.

1. Who We Are

LearnFolio is operated by APPCENTURY LIMITED. If you have questions about this Privacy Policy or your privacy rights, contact us at contact@learnfolioai.com.

2. Information We Collect

2.1 Account and Authentication Information

• Email address, password authentication data, display name, user ID, account creation date, and account status.
• Information received from Apple Sign In or Google Sign-In, such as the account identifier, email address, and name where made available by the provider.
• Verification codes and related security records for password reset or email change flows.

2.2 Learning and App Activity Information

• Information you provide about your investing experience, learning goals, interests, and optional age-related responses where supported by the app.
• Learning progress, completion records, scores, activity history, and app reward or status records.
• App usage information such as screen views, feature interactions, timestamps, and preferences.

2.3 Simulated Practice Information

• Virtual balance, simulated practice records, simulated activity history, timestamps, and related activity.
• Information needed to operate, maintain, and improve the simulated practice experience.

2.4 User-Provided Content

• Content, prompts, uploads, or other information you choose to provide when using educational or support features.
• Related usage records, success status, usage dates, safety flags, and moderation records where applicable.
• Outputs may be temporarily stored to provide the service, improve reliability, detect abuse, investigate errors, and comply with legal obligations. Where applicable, processing is performed according to contractual safeguards and applicable privacy laws.

2.5 Device, Usage, and Technical Information

• Device ID or app instance ID, app version, operating system, language, region, event timestamps, crash logs, diagnostics, and performance data.
• Product analytics events, app interaction records, and feature usage information.
• Notification settings, reminder settings, and communication preferences.

3. How We Use Information

We use information to:

• Create, authenticate, secure, and manage your account.
• Provide educational content, progress tracking, simulated practice, and related app features.
• Maintain user accounts, app preferences, virtual balances, simulated activity records, and customer support.
• Provide educational explanations, monitor safety, and improve service quality.
• Send service messages, verification codes, password reset emails, reminders, and other app notifications according to your settings.
• Use analytics to understand how users interact with the app, improve the user experience, measure product performance, and improve app reliability.
• Respond to customer support requests.
• Comply with applicable law, enforce our Terms of Service, protect users, and prevent fraud, misuse, or security incidents.

4. Legal Bases for Processing

Where applicable privacy laws require a legal basis for processing, we process personal data based on one or more of the following grounds: performance of a contract when we provide the app and account features; consent where required for optional communications or optional data uses; legitimate interests in securing, improving, and operating the service; and legal obligations where we must comply with law or protect rights.

5. How We Share Information

We do not sell personal information in the ordinary meaning of that term. We may share information with the following categories of recipients:

• Cloud hosting providers that store or process information needed to operate the app.
• Authentication providers that help users create accounts, sign in, and manage account security.
• Analytics providers that help us understand app usage, reliability, and user experience.
• Artificial intelligence service providers that process information needed to provide educational explanations, app functionality, safety review, or support, subject to contractual safeguards where applicable.
• Market data providers that supply stock, cryptocurrency, and other financial market information used for educational simulations.
• Communication and support providers that help us send service messages, deliver notifications, and respond to user requests.
• Apple, Google, or similar platform providers when you use their authentication, app distribution, analytics, or device services.
• Professional advisors, authorities, courts, or counterparties when necessary for legal compliance, safety, corporate transactions, or enforcement of rights.
• Other users only where you choose or where a feature is designed to be public or social.

6. Artificial Intelligence Features

Some educational explanations within LearnFolio may be generated or assisted by artificial intelligence. These features are designed to support learning and should not be interpreted as financial, investment, tax, or legal advice.

Artificial intelligence generated content may occasionally contain inaccuracies. Users should independently verify important financial information before making investment decisions. We recommend that users do not submit sensitive personal information, financial account credentials, or other confidential information when interacting with AI-powered features.

7. International Transfers

Your information may be processed in countries or regions other than where you live. Where required, we use appropriate safeguards for international transfers, such as contractual safeguards, vendor due diligence, or other lawful transfer mechanisms.

8. Data Retention

We keep personal information for as long as needed to provide the app, maintain your account, preserve learning and simulated practice history, comply with legal obligations, resolve disputes, enforce agreements, prevent fraud, and support safety reviews. Simulated practice history may be retained while your account exists because it is part of the learning record.

When you delete your account, we will delete or de-identify associated account data unless retention is required or permitted by law.

9. Your Choices and Rights

• Account access and updates: You may update certain account information in the app, including display name, email, and password where supported.
• Notifications: You may change reminder settings in the app or through iOS notification settings.
• Account deletion: You may request deletion through the app. Deleting your account permanently erases associated cloud data and cannot be undone, except for information we must retain by law or legitimate operational need.
• Privacy rights: Depending on your location, you may have rights to access, correct, delete, restrict, object to, opt out of certain processing, receive a copy of your personal information, or withdraw consent where processing is based on consent.
• You may also request information about the categories of personal data we process and the categories of third parties with whom such data has been shared, where applicable under local law.

10. Security

We use reasonable technical and organizational measures designed to protect personal information. No method of transmission or storage is completely secure. You are responsible for maintaining the confidentiality of your login credentials and for using a strong, unique password.

11. Children and Age Limits

LearnFolio is intended for anyone who wants to learn investing through educational content and simulated practice. We do not knowingly collect personal information from children under 13 or from users below the legal age required to use the app in their location. If you believe a child has provided personal information, contact us so we can take appropriate action.

12. Third-Party Links and Services

The app may link to third-party services, authentication providers, or educational references. Their privacy practices are governed by their own policies, not this Privacy Policy.

13. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. If changes are material, we will provide notice as required by law, such as through the app, email, or an updated effective date. Your continued use of LearnFolio after the updated policy becomes effective means the updated policy applies to your use of the app.

14. Contact Us

Questions, requests, or complaints may be sent to contact@learnfolioai.com.