Privacy Policy

Last Modified: 08/01/2025

1. Introduction

This Privacy Policy describes how NudgeNest AI ("Company," "we," "us," or "our") collects, uses, and shares your personal information when you use our mobile application, web dashboard, and related services (the "Services"). We are committed to protecting your privacy and handling your data transparently and securely.

2. Information We Collect

We collect information that you provide to us directly, information we collect automatically through your use of the Services, and information we receive from third parties.

Information You Provide:

  • Account Information: When you create an account, we collect your name, email address, and password.

  • Financial Information: We collect your housing payment amount and due date.

  • Communications: When you contact us for support or feedback, we collect the content of your communications.

Information from Third Parties:

  • Bank Data: We partner with Plaid, Inc. to securely connect to your bank accounts. We collect transaction data, account balances, and other financial information from Plaid. We do not store your bank login credentials.

  • Payment Data: We use Stripe, Inc. for payment processing. We collect information related to micro-savings transfers and B2B payouts.

Information Collected Automatically:

  • Usage Data: We collect information about how you use our Services, such as the features you access, the nudges you interact with, and the time and duration of your activity.

  • Device Information: We collect information about the device you use to access the Services, including device type, operating system, and unique device identifiers.

  • Cookies and Tracking Technologies: We may use cookies and similar technologies to enhance your experience and collect usage data.

3. How We Use Your Information

We use the information we collect for the following purposes:

  • To Provide and Maintain the Services: We use your information to operate the App and Dashboard, facilitate micro-savings transfers, and process payments to your housing providers.

  • To Power Our AI: We use your financial and usage data to train and optimize our proprietary AI models, enabling personalized nudges, spending analysis, and predictive delinquency scoring.

  • To Communicate with You: We use your email to send you notifications, updates, and communications about the Services.

  • To Enhance and Improve the Services: We use aggregated and anonymized data to understand user behavior, identify trends, and improve the functionality of our Services.

  • For B2B Analytics: For partnered businesses, we share anonymized and aggregated insights, as well as specific risk scores and payment readiness data for their connected tenants/borrowers, to help them reduce delinquency and improve retention.

  • For Security and Compliance: We use your information to protect our Services from fraud, ensure security, and comply with legal and regulatory obligations, including SOC 2 requirements.5. Data Privacy

We are committed to protecting your privacy. For a full explanation of how we collect, use, and protect your data, please review our Privacy Policy, which is linked Here

4. How We Share Your Information

We do not sell your personal information. We only share your information with the following third parties under strict confidentiality agreements:

  • Service Providers: We share information with third-party service providers who perform services on our behalf, such as Plaid (for bank connectivity), Stripe (for payment processing), and cloud hosting providers (AWS).

  • Business Partners (for B2B): For B2B partners who have a direct relationship with you (e.g., your landlord or mortgage lender), we share specific information such as your savings progress and AI-driven risk scores.

  • Legal Compliance: We may disclose your information if required by law, court order, or governmental regulation.

5. Your Rights and Choices

You have the following rights regarding your personal information:

  • Access and Update: You can access and update your account information at any time through the App or Dashboard.

  • Data Deletion: You can request that we delete your personal information, subject to certain legal and operational restrictions.

  • Opt-Out of Communications: You can opt-out of receiving non-essential email communications from us by following the unsubscribe instructions in our emails.

  • Account Deletion: You may request to close your account at any time.

6. Data Security

We have implemented robust security measures, including end-to-end encryption, secure data storage, and access controls, to protect your information from unauthorized access, loss, or misuse.

7.  Changes to this Privacy Policy

We may update this Privacy Policy from time to time. We will notify you of any material changes by posting the new Privacy Policy on our website or through the App.

8. Contact us

If you have any questions or concerns about this Privacy Policy or our data practices, please contact us at support@nudgenest.ai..