Privacy policy.

Your email and password for your account; the profile details you give us, like your birthdate (used only to apply the right age rules) and display name; the money numbers you enter or connect, such as income, bills, transactions, balances, goals, and backup money; the Impact activity your money progress earns; and basic technical data like device and app version when something goes wrong, so we can fix it.

Connecting a bank is always optional — manual entry works fully without it. If you connect one, we use a licensed bank-data provider to read the account and transaction information needed to keep your plan current. That access is read-only: it lets 24K see your balances and transactions, and 24K cannot move, withdraw, or spend your money through it. Your bank sign-in credentials go directly to your bank or our provider's secure login — 24K never sees or stores your password.

Membership payments are processed by a PCI-compliant payment processor. 24KaratCrew does not store your full card number on our own servers.

To build and update your plan, calculate your Impact progress, run your membership, keep your account secure, and respond when you contact support. We do not sell your personal information.

We use limited, privacy-conscious product analytics to understand which parts of 24KaratCrew are useful and to fix problems. Analytics events describe app usage (like which screen loaded), not your specific balances or transactions.

If you contact support, we keep your message and the reply so we can help you and follow up. We ask you not to include sensitive details like full account numbers in a support message; we never ask for your bank password.

24KaratCrew personalized accounts are available starting at age 13. Members 13–17 use the same product and the same privacy protections as adult members, with additional consent and provider requirements applied before certain capabilities (like paid membership or connecting a bank) unlock. Turning 18 upgrades an account in place and never creates a new one or deletes history.

We share information only with the service providers who help us run 24KaratCrew (such as our database host, bank-data provider, and payment processor), each bound to protect it, or when required by law. We do not sell your personal information to advertisers or data brokers.

We keep your information while your account is active. If you delete your account from Settings, we cancel any active membership immediately, revoke access to any connected banks, and permanently remove your personal records, including your personal Impact history. Aggregate, de-identified totals (like the Crew's total meals) may remain — they cannot be traced back to your identity.

You can update your information, disconnect a bank, download a copy of your data, or delete your account entirely — all from Settings.

Questions about privacy can be sent to the support address on our Support page.