Privacy Policy

Introduction

CareerPhases ("we," "our," or "us") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website and use our services.

Information We Collect

Personal Information

We may collect personal information that you voluntarily provide to us when you:

• Register for an account
• Subscribe to our newsletter
• Fill out a contact form
• Connect your financial accounts via Plaid
• Use our career planning and budgeting tools

This information may include:

• Name and email address
• Phone number
• Financial account information (when you choose to connect accounts)
• Career and income information you provide
• Payment information for subscriptions

Automatically Collected Information

When you access our website, we may automatically collect:

• Device information (browser type, operating system)
• IP address and location data
• Pages visited and time spent on pages
• Referring website addresses

How We Use Your Information

We use the information we collect to:

• Provide, maintain, and improve our services
• Process transactions and send related information
• Send you technical notices, updates, and support messages
• Respond to your comments, questions, and requests
• Monitor and analyze trends, usage, and activities
• Personalize and improve your experience
• Detect, investigate, and prevent fraudulent transactions

Financial Data & Plaid

When you connect your financial accounts through Plaid, we receive read-only access to your transaction data to provide income tracking and budgeting features. We:

• Never store your bank credentials - Plaid handles authentication securely
• Only access the data necessary to provide our services
• Never sell your financial data to third parties
• Encrypt all financial data in transit and at rest

Data Security

We implement appropriate technical and organizational security measures to protect your personal information, including encryption, secure servers, and regular security audits. However, no method of transmission over the Internet is 100% secure, and we cannot guarantee absolute security.

Third-Party Services

We may share your information with third-party service providers who perform services on our behalf, including:

• Plaid - Financial data aggregation
• Stripe - Payment processing
• Analytics providers - Usage analytics
• Email service providers - Communication delivery

Your Rights

Depending on your location, you may have the following rights:

• Access your personal data
• Correct inaccurate data
• Request deletion of your data
• Object to or restrict processing
• Data portability
• Withdraw consent at any time

To exercise these rights, please contact us at privacy@careerphases.com.

California Privacy Rights (CCPA)

If you are a California resident, you have the right to request disclosure of the categories and specific pieces of personal information we have collected, request deletion of your data, and opt-out of the sale of personal information. We do not sell personal information.

Cookies

We use cookies and similar tracking technologies to track activity on our website and hold certain information. You can instruct your browser to refuse all cookies or to indicate when a cookie is being sent.

Children's Privacy

Our services are not intended for individuals under the age of 18. We do not knowingly collect personal information from children under 18.

Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on this page and updating the "Last updated" date.