Privacy Policy

1. What This Covers

This Privacy Policy explains what information Beat Moolah, Inc. ("Beat Moolah," "we," "us") collects through the Beat Moolah mobile app (the "Service"), how we use it, and your choices. It's part of our Terms of Service.

2. Information We Collect

You provide directly

• Account information: email address and password (via Supabase Authentication), username/handle, display name, bio, and profile photo, all optional beyond email/handle.
• Payment information: if you subscribe to Premium or a Creator, payment card details are collected and processed directly by Apple through its in-app purchase system — we never see or store your full card number. We do receive and store your purchase/subscription status (via RevenueCat, which reconciles Apple's records), and, if you become a Creator, information Stripe Connect collects for payout/tax purposes (handled by Stripe under its own privacy policy) — Stripe only ever sees a creator's own payout information, never a subscriber's payment details.
• Content you create: picks you submit, pick reasoning, Timeline posts, comments, likes, and reposts, follows, and any support messages you send us.
• Your settings and safety choices: your notification preferences, which people you've turned Timeline Alerts on for, and the users you block or mute. These are private to you.
• Reports: when you report a post, comment, or user, we keep the report and any reason you give so we can review it. The person you report is not told who reported them.

Collected automatically

• Device and usage information typical of a mobile app (app version, OS version, crash logs) — used for reliability and debugging.
• Push notification token: only if you turn on notifications, a token that lets us send notifications to your device. You can turn notifications off at any time in the app (sidebar → Notifications) or in your device's Settings.
• Install attribution: the app uses Singular to measure which ads led to an install. When you grant App Tracking Transparency permission this can include your device's Advertising Identifier; otherwise it uses non-identifying, aggregated signals only.
• Advertising data (non-Premium users only): if you're not a Premium subscriber, the app shows ads through Google's AdMob. When you grant App Tracking Transparency permission, AdMob may collect your device's Advertising Identifier (IDFA), which ads you've been shown, and general app-interaction data (app opens, taps) for ad delivery, measurement, and fraud prevention. If you decline that permission, AdMob still shows ads — just not ones personalized to your activity elsewhere. Premium subscribers see no ads, and none of this collection happens for them. See Google's own disclosure at policies.google.com/technologies/partner-sites.

3. How We Use Information

• To operate the Service: create your account, show your picks and public record, process subscriptions, and enable the social features (follows, leaderboard, timeline).
• To communicate with you: transactional emails (password reset, subscription receipts — subscription receipts are sent by Apple directly, not us), and, if you opt in, product updates. If you message us through in-app Support, our reply also reaches you by email at the address on your account, so you'll see it even if you don't have the app open.
• To generate Moolah's picks: game and odds data (not your personal data) is sent to Anthropic's Claude API to generate Moolah's picks, confidence scores, and reasoning text. Your own picks and personal information are not sent to Anthropic.
• To show ads: if you're not a Premium subscriber, to select, deliver, and measure the ads Google's AdMob shows you in the app, and to detect invalid ad traffic. Premium subscribers see no ads.
• To send notifications you've turned on: pick results and reminders, likes, comments, reposts and new followers (grouped), and Timeline Alerts for people you've chosen.
• To maintain safety and integrity: detecting fraud, abuse, or manipulation of records/ leaderboards, reviewing reports, removing content that breaks our rules, suspending accounts, and enforcing our Terms of Service. We keep a record of reports and suspensions for this purpose.
• To comply with legal obligations, including tax reporting for Creator payouts (handled by Stripe Connect) and responding to lawful requests from authorities.

4. Who We Share Information With

We do not sell your personal information. We share information with the following categories of service providers, each acting under their own privacy policy, only as needed to operate the Service:

We may also disclose information if required by law, to protect Beat Moolah's or users' rights and safety, or in connection with a merger, acquisition, or sale of assets (with notice to you where required by law).

5. Public Information

Some information is public by design, as part of how the Service works: your handle, display name, bio, avatar, follower/following counts, your Moolah Bot Challenge record and balance, and — once graded, or immediately for Board Picks — your picks. Weekly Locks are visible only to you and your active subscribers until graded, per your subscription's paywall rules, then become public like any other graded pick. Your Timeline posts, comments, likes, and reposts are public as well (comments and likes on a Weekly Lock are visible only to that creator's subscribers). If you edit a post, its original text is kept and anyone can view it. For creators who sell Weekly Locks, the number of Locks in each submission is shown to everyone, with the picks themselves hidden until graded. Do not include information in your bio or Creator content that you don't want to be public.

6. Data Retention

We retain account information for as long as your account is active. You can delete your account yourself at any time in the app under Settings → Delete Account. Deletion is immediate and permanent: your profile, picks, record, balance, followers, messages, and leaderboard entries (including past seasons) are removed right away, your username is released, and the account can't be restored — including your posts, comments, likes, reposts, blocks, mutes, and notification settings. We send a confirmation to your account's email. The only records we keep are ones we're required to retain (e.g., creator payout and tax records, and Stripe transaction records, which Stripe retains under its own policy). Deleting your account does not cancel subscriptions billed by Apple — cancel those in your device's Subscriptions settings.

7. Your Rights & Choices

• Access & correction: update your profile information anytime in the app.
• Deletion: delete your account anytime in the app under Settings → Delete Account, or email support@beatmoolah.com.
• Ad tracking: when the app asks for App Tracking Transparency permission, you can decline it — ads will still show for non-Premium users, just not personalized to your activity elsewhere. You can change this anytime in iOS Settings → Privacy & Security → Tracking. Subscribing to Premium removes ads, and this data collection, entirely.
• California residents (CCPA/CPRA): you have the right to know what personal information we collect, request deletion, and opt out of "sale" or "sharing" — we do not sell personal information. Contact us to exercise these rights.
• EU/UK/EEA residents (GDPR): you have the right to access, correct, delete, restrict, or port your data, and to object to certain processing. Our legal basis for processing is performance of our contract with you (providing the Service) and, for optional communications, your consent. Beat Moolah is currently offered only in the United States.

8. Children's Privacy

The Service is not directed to, and we do not knowingly collect personal information from, anyone under 18. If we learn we've collected information from someone under 18, we will delete it. Contact us at support@beatmoolah.com if you believe a minor has provided us information.

9. Security

We use industry-standard measures to protect your information, including encryption in transit and access controls on our database (row-level security enforced at the database layer, not just in application code). No method of transmission or storage is 100% secure, and we cannot guarantee absolute security.

10. International Data Transfers

Beat Moolah is based in the United States, and our service providers (Supabase, Stripe, Anthropic, Apple, RevenueCat) may process and store data in the United States and other countries. If you're accessing the Service from outside the US, your information will be transferred to and processed in the US.

11. Changes to This Policy

We may update this Privacy Policy from time to time. Material changes will be notified in-app or by email before they take effect.

12. Contact

Questions about this Privacy Policy or your data: support@beatmoolah.com