Privacy Policy

Effective Date: June 17, 2025

Habitual Money, Inc. ("Habitual Money," "we," "us," or "our") provides the Peach platform, an AI-powered system designed for financial aid operations. We take your privacy seriously and are committed to protecting your information. This Privacy Policy explains how we collect, use, store, and disclose your personal data when you use our website, services, and products (collectively, the "Services").

1. Information We Collect

We collect the following categories of information:

1.1 Information You Provide

• Name, email address, phone number, and other contact details
• Account registration details (e.g. institution name, authorized user info)
• Communications with us, including support requests and emails

1.1 Automatically Collected Information

• Log and usage data, including IP address, browser type, device identifiers, access times
• Cookies and similar technologies to analyze site usage and performance

1.3 Customer Data

• Information uploaded or accessed through integrations with SIS or other third-party systems
• AI-generated drafts, transcripts, or audit logs tied to institutional workflows

Note: Customer Data remains fully owned and controlled by our clients.

2. How We Use Information

We use collected information to:

• Provide, operate, and improve the Services
• Authenticate users and secure platform access
• Personalize AI outputs based on user and institutional data
• Respond to support inquiries and provide customer service
• Comply with legal and contractual obligations
• Analyze system performance and usage patterns (in aggregate form)

We do not use Customer Data to train any public machine learning models.

3. Legal Basis for Processing (EU/UK Users)

We process personal data under the following legal bases:

• Performance of a contract (e.g., providing access to the platform)
• Legitimate interests (e.g., product improvement, fraud prevention)
• Compliance with legal obligations
• Consent (where required)

4. Sharing of Information

We may share data only as follows:

• With service providers under strict confidentiality agreements (e.g., hosting, analytics)
• With your consent, for specific use cases (e.g., integration partners)
• To comply with legal processes or enforce our terms

We never sell your personal data.

5. Data Security

We implement enterprise-grade technical and organizational security measures to protect your data, including:

• SOC 2 Type II and GDPR compliance
• Encryption at rest and in transit
• Access controls, audit logging, and secure API token handling
• Verified variables to ensure users only access permitted records

6. Data Retention

We retain personal data only as long as necessary to:

• Fulfill contractual obligations
• Comply with legal retention requirements
• Maintain auditability and service reliability

You may request deletion of your data by contacting us at support@joinpeach.co.

7. International Data Transfers

We may transfer and process data in jurisdictions outside your own. When we do, we ensure appropriate safeguards (such as Standard Contractual Clauses or similar frameworks) are in place.

8. Your Rights

Depending on your location, you may have the right to:

• Access the personal data we hold about you
• Request correction or deletion of your data
• Object to or restrict our processing
• Port your data to another service

To exercise these rights, please email support@joinpeach.co.

9. Cookies

We use cookies to understand website usage and improve functionality. You can control cookie preferences through your browser settings or our cookie banner, where applicable.

10. Third-Party Links

Our website may contain links to third-party websites or services. We are not responsible for their content or privacy practices.

11. Changes to This Policy

We may update this Privacy Policy from time to time. The most current version will always be available on our website. We will notify you of material changes via email or platform notice.

12. Contact Us

If you have any questions about this Privacy Policy or our data practices, please contact:

Habitual Money, Inc.
2614 Dawning Day Drive
Dacula, GA 30019
support@joinpeach.co