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1. Who We Are

Foresona is a personal‑finance intelligence platform that delivers adaptive, goal‑driven insights. The service operates through our iOS app, web dashboard, and supporting APIs (together, “Foresona” or “the Service”).

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2. Scope

This policy explains which data we collect, why we need it, how we use it, and the choices you control. It covers all use of Foresona worldwide.

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3. Data We Collect

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Account DataName, email, phone, password hashCreate and secure your account

Profile SignalsCognitive, behavioural, emotional, demographic, and economic inputs you choose to addGenerate personalised financial paths

Financial InformationBank balances, transaction history, account numbers (tokenised), credit‑score attributesProvide insights, simulate scenarios, detect risk

Usage DataInteraction events, feature engagement, in‑app analyticsImprove features and fix bugs

Device & NetworkDevice model, OS version, locale, IP, crash logsDiagnostics, fraud prevention

Optional IntegrationsHealth metrics, habit trackers, or data imported from Native TribeOnly if you explicitly link a source

Marketing PreferencesPush‑notification opt‑ins, newsletter selectionSend service and product updates

We never request precise location, camera, microphone, or photo library access.

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4. How We Use Data

• Perform the contract you enter when you create a Foresona account.

• Deliver adaptive recommendations that align with your stated goals.

• Train and evaluate our prediction models (on de‑identified data).

• Detect, investigate, and prevent fraud or misuse.

• Fulfil legal or regulatory obligations in the regions where we operate.

• Send transactional messages; we send promotional messages only with consent.

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5. Tracking & Cookies

The iOS app does not use the Advertising Identifier (IDFA) and does not track you across other companies’ apps or websites. Web sessions set first‑party cookies strictly for authentication and analytics.

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6. Sharing & Disclosure

We share personal data only:

1. With processors under contract (cloud hosting, analytics, customer‑support tools) that meet or exceed the protections in this policy.

2. With linked financial institutions to retrieve account data when you connect a bank feed.

3. For legal reasons if required by court order or applicable law.

4. With your explicit consent for any other case.

We never sell or rent your personal data.

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7. Data Retention

We retain account data while your account stays active plus up to 90 days for secure backup. We may retain de‑identified, aggregated data for research or statistical reporting.

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8. Your Rights

Depending on your region (e.g., GDPR, CCPA, NDPR), you may:

• Access a copy of your data.

• Correct inaccurate data.

• Export data in a portable format.

• Object to certain processing.

• Delete your account and associated personal data.

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9. Security

We encrypt data in transit (TLS 1.3) and at rest (AES‑256). Access to production systems uses hardware security keys and role‑based controls. We conduct annual penetration tests and continuous vulnerability scanning.

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10. Children’s Privacy

Foresona targets adults 18+. We do not knowingly collect data from children under 13. If we learn that a child’s data is in our system, we erase it promptly. Apps in the Kids Category have extra restrictions; Foresona is not listed there. (developer.apple.com)

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11. International Transfers

We host data in ISO 27001‑certified facilities in the European Union and replicate to the United States for resilience. When we transfer data across borders, we rely on approved mechanisms such as Standard Contractual Clauses.

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12. Changes

We will post any updates here and notify you in‑app at least 14 days before they take effect. The “Effective Date” at the top indicates the latest revision.