Privacy Policy

Effective: August 23, 2026 My Financial Butler is subscription-based, self-service consumer financial-management software operated by Arthur Nicolas LLC. Customers use the software themselves to organize financial information, review credit-report information, prepare correspondence, track responses, and manage related workflows. Customers control and approve their own actions. This Privacy Policy explains what personal information we collect, where it comes from, why we use it, when we disclose it, how long we keep it, and the choices available to you. It applies to myfinancialbutler.com and the My Financial Butler application. INFORMATION WE COLLECT We may collect: identifiers and contact information, such as your name, email address, and an optional phone number; account credentials and security records; subscription, transaction, and billing records; credit-report information, financial documents, correspondence, and other content you choose to upload; device, browser, IP-address, log, and service-usage information used for security and operations; support communications; and append-only records of policy acknowledgments and communication choices, including the disclosure shown, policy version, UTC timestamp, page or flow, and—where legally appropriate—IP address and user agent. SOURCES OF INFORMATION We receive information directly from you, automatically when you use the service, from service providers acting on our behalf, and from third-party accounts or data sources that you deliberately connect or direct us to use. We do not buy personal-information lists. HOW WE USE INFORMATION We use personal information to provide and secure the service; verify identity and account ownership; process subscriptions; analyze documents at your direction; generate and organize materials for your review; maintain audit records; provide customer support; prevent fraud and abuse; comply with law; and improve reliability and accessibility. We do not use uploaded credit information for advertising. ESSENTIAL TRANSACTIONAL EMAIL Account creation uses email as the sole verification method. Essential transactional email includes verification codes, password reset and recovery messages, security alerts, billing notices, material account-status messages, and customer-requested support responses. These messages operate and protect the account; they are not marketing. The email address is obtained directly from the customer or from a person who initiates correspondence with us. We do not use purchased, rented, scraped, or harvested email lists. OPTIONAL EMAIL Product news, educational content, and other non-essential email are optional and off by default. Optional messages provide a simple unsubscribe method. Opting out of optional email does not stop essential account communications. SMS STATUS SMS is not currently offered during signup and is not an active sending channel. Account creation and core service use require no phone number or SMS consent. If transactional SMS is introduced later, it will require a separate affirmative opt-in that is unchecked by default and is not a condition of purchase or account creation. Mobile information and SMS opt-in consent will not be sold or shared with third parties or affiliates for marketing or promotional purposes. Service providers used solely to deliver messages may process this information on our behalf. The Text Message Terms describe the rules that will apply before any SMS program is activated. SENSITIVE INFORMATION Credit reports and related financial documents may contain sensitive personal information. We use that information only to provide customer-directed service functions, maintain security, comply with law, and fulfill the customer's requests. We do not use sensitive personal information to infer characteristics for advertising, and we do not display full credit-report details, Social Security numbers, account numbers, or dispute contents in email or text messages. HOW WE DISCLOSE INFORMATION We may disclose information to service providers that perform hosting, security, payment processing, communications, document processing, mailing, analytics, and customer-support functions under contractual or operational restrictions; when directed by you; to protect rights, safety, and service integrity; in connection with a lawful business transfer; or when required by law. Service providers may process information only to perform services for us and are not authorized to use mobile opt-in data for their own marketing. NO SALE OR TARGETED-ADVERTISING SHARING We do not sell personal information. We do not share personal information for cross-context behavioral advertising or targeted advertising, and we do not use third-party advertising cookies. See Do Not Sell or Share My Personal Information for our binding commitment and privacy-request methods. RETENTION We retain information only as long as reasonably necessary for the purposes described above, including while an account is active and for periods required for security, fraud prevention, dispute resolution, accounting, and legal obligations. Retention varies by record type. Consent and transaction records may be retained longer when needed to demonstrate compliance. When information is no longer required, we delete it, de-identify it, or securely isolate it from ordinary use. SECURITY We use administrative, technical, and organizational safeguards designed to protect personal information, including encryption in transit, access controls, role restrictions, audit logging, and monitoring. No system can guarantee absolute security. Report a suspected security issue to support@myfinancialbutler.com. YOUR PRIVACY RIGHTS Depending on your jurisdiction, you may have rights to know, access, correct, delete, or obtain a portable copy of personal information; opt out of sale, targeted-advertising sharing, or certain profiling; limit certain uses of sensitive personal information; appeal a denied request; and receive equal service without discrimination. We honor legally recognized browser-based opt-out signals, including Global Privacy Control, where applicable. Submit a request without creating an account by emailing support@myfinancialbutler.com. We may verify requests proportionately to protect your information. CHILDREN The service is intended for adults age 18 and older. We do not knowingly collect personal information from children under 13. Contact support@myfinancialbutler.com if you believe a child provided information to us. CHANGES We may update this policy as the service or law changes. The page will show the new version and effective date. We will provide additional notice when required by law. CONTACT Arthur Nicolas LLC d/b/a My Financial Butler — support@myfinancialbutler.com