INTRODUCTION
Your privacy matters to us. At DreamMoney, we believe in transparency and making it easy for you to understand what information we collect, how we use it, and your choices regarding your data.

This Privacy Policy applies when you:
Visit our websites at https://dreammoney.co and https://dreammoney.app
Access or use DreamMoney’s online financial management software, or
Interact with DreamMoney, including through customer support, webinars, emails, or other communications (collectively, the “Services”).

“Personal Data” refers to any information that identifies or relates to you, excluding anonymous or aggregated data. 

“You” means the individual using the Services or the entity on whose behalf they are acting.

By using our Services, you consent to the collection, use, and disclosure of your Personal Data as described in this Privacy Policy. If you do not agree, you must stop using the Services.

WHAT PERSONAL DATA WE COLLECT AND WHEN
We collect Personal Data when you interact with the Services, including when you create an account, input financial information, or communicate with us. The types of data we collect include:

Information You Provide Directly
Account Information: Name, email address, phone number, login credentials, and other information needed to create or manage your account.

Financial Data: Information you input for financial planning purposes, such as income, expenses, assets, liabilities, financial goals, and other related details.

Payment Information: If you make a purchase, we collect payment details such as billing address and transaction history. Payments are processed through third-party providers, and we do not store full payment card details.

Customer Support and Communications When You Contact Us: Information you provide when contacting support, scheduling a call, completing surveys, attending webinars, signing up for a newsletter, commenting on a post directly on the website, or responding to inquiries.

Customer Support and Communications When We Contact You: Information you provide when we contact you to provide the products or services you request, request feedback, or provide news and updates.

Information Collected Automatically

Device and Usage Data: IP address, browser type, operating system, referral URLs, date/time of visits, and activity within the Services (e.g., feature usage, time spent, clicks).

Cookies and Tracking Technologies: DreamMoney and its third-party service providers use cookies, web beacons, and similar tracking technologies to collect information about your activity within the Services. This includes using cookies for authentication and security purposes, storing user preferences to enhance your experience, analyzing usage patterns to measure performance, and delivering relevant financial insights or promotional content.

Information from Third Parties

Service Providers: Data from authentication services, analytics providers, or payment processors that assist in operating the Services.

Marketing and Social Media: Information from marketing campaigns, ad networks, or social media interactions (e.g., when you engage with DreamMoney on external platforms).

Aggregated and De-Identified Data

We may generate aggregated or de-identified data derived from your usage of the Services. This data does not identify individuals and may be used for analytics, research, and business improvements.

No Collection of Sensitive Financial Data

We do not collect bank account numbers, credit card details, or other sensitive financial credentials. Any financial information you input is for planning purposes only and remains under your control.

HOW WE USE YOUR PERSONAL DATA

We use Personal Data for the following legitimate business purposes:

Providing and Improving the Services: Operating, maintaining, and enhancing the Services.

User Account Management: Creating and managing accounts, verifying identity, and processing transactions.

Customer Support and Communication: Responding to inquiries and providing customer service via email, telephone calls, SMS, or other electronic communications, including notifications regarding updates, security alerts, or service-related messages.

Security and Fraud Prevention: Detecting and mitigating security threats, fraud, and abuse.

Marketing and Advertising: Delivering promotions, personalized recommendations, and event notifications (with opt-out options).

Legal Compliance: Meeting regulatory obligations, enforcing agreements, and responding to legal requests.

Other Purposes: We may also use the information collected from you in other ways and for other purposes that are described to you at the point of collection or for which we otherwise have obtained your consent.

Change of Purpose

We will only use your Personal Data for the purposes for which we collected it unless we reasonably consider that we need to use it for another reason, and that reason is compatible with the original purpose. If you wish to get an explanation as to how the processing for the new purpose is compatible with the original purpose, please contact us.

If we need to use your Personal Data for an unrelated purpose, we will notify you (if we have collected your Personal Data from you directly), and we will explain the legal basis that allows us to do so.

Please note that we may process your Personal Data without your knowledge or consent in compliance with the above rules where this is required or permitted by law.

HOW WE SHARE YOUR PERSONAL DATA

We do not sell or rent Personal Data. However, we may share Personal Data in the following cases:

Third-Party Service Providers: We share Personal Data with trusted third-party vendors who assist in providing and improving the Services. These include:

Analytics providers – to track usage, measure performance, and analyze trends.

Cloud storage and hosting providers – to store and manage data securely.

Payment processors – to process transactions and subscription payments.

Email service providers – to send transactional emails, customer support messages, and marketing communications.

Customer support tools – to provide assistance and respond to inquiries.

Security and fraud prevention services – to protect against unauthorized access or misuse.

Marketing and communication services – if you opt in to receive updates or promotional content.

Business Transfers: If DreamMoney is involved in a merger, sale, or other business transaction, Personal Data may be transferred as part of the deal.

Legal Compliance: We may disclose Personal Data when required or requested by law, such as responding to subpoenas, law enforcement requests, or protecting the rights, safety, or security of DreamMoney, our users, or others.

Aggregated and De-Identified Data: We may share anonymized or aggregated data for business, research, or analytics
purposes. This data does not identify individuals.

With Your Consent: When you authorize us to share specific information.

COOKIES & TRACKING TECHNOLOGIES

DreamMoney and third-party service providers use cookies and similar tracking technologies to enhance your experience, analyze site performance, and deliver personalized content. Cookies are small data files stored on your device that help websites remember your activity and preferences. They allow websites to recognize returning visitors, store login details, and personalize content based on past interactions. 

 
How We Use Cookies

DreamMoney uses cookies to:

Provide core functionality, such as authentication and account security.

Save user preferences and improve your browsing experience.

Analyze user interactions with the Services to improve performance and usability.

Deliver relevant financial insights or promotional content.

Third-party service providers, such as analytics providers and marketing partners, may also use cookies and tracking technologies within the Services. These third parties may collect data about your interactions with the Services, and their privacy policies govern their use of your data.

Managing Your Cookie Preferences

Most web browsers let you manage cookie settings, including blocking or deleting cookies. However, restricting cookies may affect certain website functions, such as login sessions or saved preferences.

Browser Controls: You can manage or disable cookies through your browser settings. However, disabling cookies may affect the functionality of certain features.

Third-Party Opt-Outs: If you prefer not to be tracked by third-party analytics tools, you can opt out via your browser settings or use opt-out tools provided by those services.

Essential Cookies: Certain cookies are necessary for the proper functioning of the Services and cannot be disabled.

SECURITY OF YOUR PERSONAL DATA

We take reasonable measures to protect your Personal Data from unauthorized access, loss, misuse, or disclosure. However, no method of transmission over the internet or method of electronic storage is completely secure. While we strive to use commercially acceptable means to protect your Personal Data, we cannot guarantee its absolute security.

We encourage you to take precautions to protect your information, including:

Using strong, unique passwords for your account.

Avoiding sharing login credentials with others.

Ensuring your device and internet connection are secure when accessing the Services.

If we become aware of a data breach affecting your Personal Data, we will take appropriate steps in accordance with applicable laws and notify you where required.

DATA RETENTION

We retain your Personal Data for as long as necessary to provide the Services, comply with legal obligations, resolve disputes, and enforce our agreements. The length of time we keep your information depends on factors such as:

The nature of the data and the purpose for which it was collected.

Legal, regulatory, tax, and accounting requirements.

Our legitimate business interests, such as maintaining security, fraud prevention, and improving our Services.

When Personal Data is no longer needed for these purposes, we will delete, de-identify, or anonymize it in accordance with applicable laws.

If you wish to request deletion of your Personal Data, please contact us at hello@dreammoney.co. However, certain data may be retained as required by law or for legitimate business purposes, such as maintaining transaction records or security logs.

YOUR RIGHTS & CHOICES

You have control over how your Personal Data is collected and used. Your rights include:

You Can Choose Not to Provide Data

You may choose not to provide us with Personal Data. However, if we are required by law to collect certain data or need it to provide aspects of the Services, failure to provide it may prevent you from accessing certain features or using the Services. If this impacts a product or service you have with us, we will notify you at the time.

You May Request Access, Correction, and Deletion of Your Data

You may request access to, correction of, or deletion of your Personal Data by contacting us using the details provided in the How to Contact Us section. We may decline your request if we cannot verify that you are the person to whom the data relates, complying with your request would adversely affect the rights of another person, or the request is excessive, unreasonable, or prohibited by law.

You Can Manage Cookies and Tracking Technologies

DreamMoney and third-party service providers use cookies and similar tracking technologies to enhance your experience, improve the Services, and analyze usage patterns. You may disable cookies in your browser settings; however, doing so may limit functionality and affect your ability to use certain features of the Services.

You May Opt Out of Marketing and Communications

You may opt out of receiving marketing communications at any time by using the opt-out link in emails or by contacting us directly. Opting out does not apply to service-related communications, such as transaction confirmations or security updates.

You May Unsubscribe from Emails

If you no longer wish to receive emails from us, you may unsubscribe at any time using the instructions provided in our
emails.

Your Duty to Update Your Information

It is very important that the Personal Data we hold about you is accurate and up to date. If you need to update your Personal Data, please contact us at hello@dreammoney.co..

ADDITIONAL RIGHTS BASED ON YOUR LOCATION

For California Residents

If you are a California resident, you may have rights under the California Consumer Privacy Act (CCPA) and California Privacy Rights Act (CPRA), including:

The right to know what Personal Data we collect and how we use it.

The right to request deletion or correction of your Personal Data.

The right to opt out of certain data sharing.

To exercise your rights, contact us at hello@dreammoney.co.. DreamMoney does not sell Personal Data, as defined under California law.

For Users in the European Economic Area (EEA), United Kingdom, or Switzerland
If you are located in the EEA, UK, or Switzerland, you may have additional rights under applicable data protection laws, including:

The right to access, correct, or delete your Personal Data.

The right to object to processing based on legitimate interests.

The right to restrict processing under certain circumstances.

The right to data portability (requesting a copy of your data in a structured format).

To exercise these rights, contact us at hello@dreammoney.co.. If you believe we have not adequately addressed your privacy concerns, you may have the right to lodge a complaint with your local data protection authority.

TRANSFER OF YOUR PERSONAL DATA

We maintain data in the United States of America and in accordance with the laws of the United States, which may not provide the same level of protection as the laws in your jurisdiction. By using the Services and providing us with data, you acknowledge and agree that your information may be transferred to and stored on servers located outside your jurisdiction. If you are a resident of a country other than the United States, you consent to this transfer for processing in accordance with this Privacy Policy.

THIRD-PARTY LINKS

The Services may include links to third-party websites, plug-ins, and applications. Clicking on those links or enabling those connections may allow third parties to collect or share data about you. DreamMoney does not control these third-party websites and is not responsible for their privacy statements.

If you interact with third-party services, such as social media platforms, financial integrations, or analytics providers, their privacy policies will govern how they collect and use your data. For example, if you engage with DreamMoney through Facebook, LinkedIn, or another platform, your interactions will be subject to that platform’s privacy policy.

When you leave our Services, we encourage you to read the privacy policy of every website you visit.

OUR POLICY CONCERNING CHILDREN

Our Services are not designed for use by children under age 18, and we do not knowingly solicit Personal Data from anyone under age 18. If you are under age 18, do not access or use our Services or related products or services. If you become aware that we have collected data from anyone under 18, please contact us so we may delete that data.

CHANGES TO THIS PRIVACY POLICY

We may update this Privacy Policy from time to time. When we update the Privacy Policy, we will inform you via email and/or a prominent notice on our Services before the change becomes effective and update the “Last updated” date at the top of this Privacy Policy. 

If we intend to use or disclose Personal Data for purposes that are materially different from those described in this Privacy Policy, we will make reasonable efforts to notify affected individuals in advance, if required.

We recommend you review the Privacy Policy each time you visit the Services to stay informed of our privacy practices. Changes to this Privacy Policy are effective when posted on this page.

HOW TO CONTACT US

If you have any questions about this Privacy Policy, how we handle your Personal Data, would like to exercise your legal rights, or wish to change your Personal Data in our records, please contact us: 

By email: hello@dreammoney.co.

By mail: 12020 Shamrock Plz, Ste 200 Omaha, NE 68154

Please mark your questions or concerns: Privacy Policy Inquiry.

To help protect your privacy and maintain security, we may take steps to verify your identity before we take action on your request.