Privacy Policy

Jeme Finance Inc. is a corporation that publishes financial planning software. This Privacy Policy explains what we collect when you use jemefinance.com and the Jeme Finance Inc. planning software, why we collect it, who we share it with, and the choices you have. It applies to the website, the software, and our SMS account notification program.

1. The Short Version

Three facts shape everything below.

We do not connect to your accounts. The software has no bank, brokerage or retirement account linking of any kind. We hold no bank credentials, no aggregator tokens, and no transaction feed. Every financial figure in your plan is a figure you typed in.
We do not sell your data. We do not sell, rent or licence your personal information or your plan data to anyone, and we do not use it to target advertising.
Your plan is yours. You can export every assumption and every result to a spreadsheet at any time, and you can delete your account and its plan data.

2. Company Information

Company: Jeme Finance Inc.

Address: 9144 Arrowpoint Blvd, Charlotte, NC 28273

Phone: [INSERT PHONE]

Email: support@jemefinance.com

Website: jemefinance.com

3. What We Collect

Account information. Your email address, your password in hashed form, and your display name if you set one. We use this to create your account, sign you in, and contact you about the Service.

Subscription information. Your plan, billing term, renewal date, and the last four digits and brand of your payment card. We use this to bill you and to show your billing history. Full card numbers are handled by our payment processor and never reach our systems.

Plan data you enter. The figures you type into your plan: account balances and types, contribution rates, income, spending, retirement dates, life events, and the return and inflation assumptions you choose. We use this to run your projections and to save your plan so it is there when you return.

Mobile number. The number you provide if you opt in to SMS account notifications. We use this to send you account notification texts. Provided only if you choose to opt in.

Technical data. IP address, browser type, device type, pages viewed, and error logs. We use this to keep the Service running, secure it, and diagnose faults.

What we deliberately do not collect:

Bank, brokerage or retirement account credentials, access tokens or aggregator connections. The software has no linking feature.
Transaction level records from any financial institution.
Social security numbers, tax identification numbers or government identification numbers.
Precise geolocation.
Biometric data.

4. How We Use What We Collect

We use the information above to operate the Service, and for no unrelated purpose. Specifically we use it to:

Run the projections you ask for and save your plans between sessions.
Authenticate you, protect your account, and detect and prevent fraud and abuse.
Take payment, renew your subscription, and send billing and renewal notices.
Send service messages such as password resets, security notices, and changes to these policies.
Send SMS account notifications if, and only if, you opted in.
Understand aggregate, de-identified usage so we can fix what is slow or confusing.
Meet our legal and tax obligations.

We do not use your plan data to train models offered to anyone else, and we do not use it for advertising.

5. How We Share Information, and the SMS Rule

We share personal information only in the limited circumstances set out here.

Service providers. Hosting, payment processing, email delivery, SMS delivery, and error monitoring providers process data on our behalf, under contract, only to provide their service to us.
Legal requirements. We may disclose information where we are required to by law, subpoena or court order, or where disclosure is necessary to protect our rights or the safety of any person.
Business transfer. If we are acquired or merged, information may transfer as part of that transaction. You will be notified before your information becomes subject to a materially different policy.

Mobile information and text messaging

No mobile information will be shared with third parties or affiliates for marketing or promotional purposes. All other categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties.

This applies to the Jeme Finance Inc. SMS account notification program. Your mobile number and your consent to receive account notification texts are used solely to deliver those notifications to you. They are never sold, rented, or passed to any third party for that party's own marketing, and they are shared with our SMS delivery provider only to the extent required to deliver a message you asked for. You may stop the texts at any time by replying STOP, and you may get help by replying HELP.

We do not sell personal information, and we do not share personal information for cross context behavioural advertising.

6. How Long We Keep It

We keep your account and plan data for as long as your account is open. If you delete your account we delete your plan data from our production systems within 30 days, and from routine encrypted backups within 90 days. We keep billing records for as long as tax and accounting law requires. Aggregate, de-identified usage statistics that cannot be traced back to you may be kept indefinitely.

7. Security

We protect information in transit with TLS and at rest with encryption. Access to production systems is limited to personnel who need it, is authenticated with multi factor authentication, and is logged. Passwords are stored hashed and salted, never in plain text. Because the software holds no bank credentials and no account connections, a compromise of our systems cannot be used to reach your financial accounts. No system is perfectly secure, and we do not claim otherwise.

8. Your Choices and Rights

Access and export. Export every assumption and every simulation result to a spreadsheet from inside the software, at any time, on any plan.
Correction. Edit any figure in your plan and any detail in your account settings.
Deletion. Delete your account from account settings, or write to support@jemefinance.com and we will do it for you.
Marketing email. Unsubscribe using the link in any marketing email. We will still send service and billing messages while you have an account.
SMS. Reply STOP to any account notification text to stop them, or HELP for assistance.

Depending on where you live you may have additional rights, including the right to know what we hold, to request deletion or correction, to request a portable copy, and not to be discriminated against for exercising a right. Write to support@jemefinance.com and we will respond within the period the applicable law allows. We may need to verify your identity before acting.

9. Children

The Service is intended for adults. We do not knowingly collect personal information from anyone under 18. If we learn that we have, we will delete it. If you believe a minor has provided us with information, contact us at the address below.

10. Cookies

We use cookies that are necessary to sign you in and keep your session secure, and a small number of first party analytics cookies that tell us which pages are used. We do not use third party advertising cookies and we do not run advertising trackers on the site. You can block or delete cookies in your browser, though the sign in cookie is required for the software to work.

11. Changes to This Policy

We may update this Privacy Policy. If a change is material we will notify subscribers by email or through the Service before it takes effect.

12. Contact Us

For any question about this Privacy Policy, or to exercise a right described above, contact us at: