Privacy Policy

1. Scope and who controls your data

MAM Development Studio, LLC is responsible for the processing described in this Policy. This Policy applies to the Statera app and website, including support communications. It does not govern services that you access independently under another company’s terms.

2. Information we collect

3. What we do not collect or do

• We do not connect to financial institutions or request online-banking credentials.
• We do not move money, hold funds, or execute financial transactions.
• We do not collect precise location, contacts, health data, or advertising identifiers.
• We do not sell personal information or share it for cross-context behavioral advertising.
• We do not use IDFA or track activity across third-party apps or websites.

4. How and why we use information

Where applicable, we rely on performance of our contract, our legitimate interests in securing and improving the Services, your consent for optional processing, and compliance with legal obligations. You may withdraw consent at any time without affecting earlier lawful processing.

• Provide authentication, sync, budgeting, transaction management, the five-pillar Score, challenges, insights, and Coach features.
• Parse content you deliberately submit and return proposed records for your approval.
• Manage subscriptions, paid entitlements, trials, and purchase restoration.
• Operate local reminders and preferences that you enable on your device.
• Secure the Services, prevent abuse, diagnose failures, and maintain reliability.
• Understand feature adoption and improve the product, subject to applicable privacy rights and your Coach-learning choice.
• Respond to support, rights, safety, and legal requests.

5. AI processing

Statera uses AI service providers to deliver specific features. Coach requests may be processed by Anthropic; assisted text, voice, receipt, image, and file parsing may be processed by OpenAI. We send only the content and structured context needed for the requested feature. AI providers act under their commercial service terms and are not authorized by Statera to use your content for advertising.

AI output may be incomplete or wrong. Statera presents proposed records for review and limits Coach to informational, read-only guidance; the Coach cannot move money or edit your financial records.

6. When we disclose information

We disclose only what is reasonably necessary to providers that help operate the Services, subject to contractual and security controls.

We may also transfer information in a merger, financing, acquisition, reorganization, or sale, subject to this Policy and applicable law.

7. Product analytics and no cross-app tracking

Statera uses Mixpanel for first-party product analytics. Events such as features used, app version, language, region, and subscription context may be associated with your Statera account to help us understand adoption, reliability, and the experience across sessions. We do not send raw financial amounts, transaction descriptions, Coach questions, or receipt content to Mixpanel. Statera does not use IDFA, does not request App Tracking Transparency permission, and does not use this analytics data for third-party advertising or tracking across other companies’ apps or websites.

8. Retention and deletion

When you confirm in-app account deletion, Statera immediately initiates deletion of your authentication account and active cloud profile data, then clears local app data. Limited residual copies may remain in encrypted backups or security logs until they rotate, generally within 30 days, unless retention is required by law, dispute, fraud prevention, or security. Deleting an account does not cancel an App Store subscription.

• Account and confirmed financial data: while your account is active, until you delete individual records or the account, subject to narrow legal exceptions.
• Assisted-entry source content: only for the time required to process the request; Statera does not keep the original receipt, image, file, audio, or pasted text as a permanent record unless another feature clearly tells you otherwise.
• Coach chat: no persistent conversation history. Operational account-level counts expire within 90 days. Questions retained with your express improvement consent expire within 90 days and are deleted earlier if you turn that preference off.
• Product analytics: no longer than 24 months unless a shorter configured period applies. Website identifiers exist only in memory during the browser session, although event records are retained for product analysis.
• Crash and performance records: only as long as reasonably necessary to diagnose reliability and security issues under the configured provider retention period.
• Support and legal records: as needed to resolve the request, establish compliance, prevent abuse, or meet legal obligations.

9. Your choices and privacy rights

Email us to exercise a right. We may verify your identity and will respond within the time required by applicable law. California residents may request to know, correct, or delete personal information and may exercise these rights without discrimination. Because we do not sell or share personal information for targeted advertising, there is no sale or sharing to opt out of.

• Access and correct app data using Statera’s account and record controls.
• Delete your account in the app from Settings → Account → Delete Account.
• Enable or disable Coach improvement retention in Settings → Privacy → Coach.
• Manage notification permissions in iOS Settings and contact us to exercise applicable privacy rights or object to analytics processing.
• Request access, correction, deletion, portability, restriction, or objection where your law provides those rights.
• Appeal a privacy-request decision or complain to your local data-protection authority.

10. International transfers

Statera and its providers primarily process data in the United States. Where required for transfers from the EEA, United Kingdom, Switzerland, or another jurisdiction, we use recognized safeguards such as standard contractual clauses and apply supplementary protections appropriate to the data.

11. Security

We use safeguards designed for the sensitivity of financial information, including encrypted transport, provider encryption at rest, authenticated access, row-level database security, least-privilege service access, and privacy-restricted diagnostics. No security measure can guarantee absolute protection. Protect your device, Apple or Google account, and Statera credentials.

12. Children

Statera is not directed to children under 13 and we do not knowingly collect their personal information. Users below the age of legal majority must have permission from a parent or legal guardian. Contact us if you believe a child provided information improperly.

13. Changes to this Policy

We may update this Policy as the Services, providers, or law change. We will post the new date here and provide additional in-app or email notice when a change is material. Where consent is required for new processing, we will ask before it begins.

14. Contact

MAM Development Studio, LLC · Delaware, United States. For privacy questions, rights requests, or complaints, contact: