This Privacy Policy explains how GJZLTZ (“we”, “our”, “us”, or “the App”) handles information when you download, access, or use our mobile application. GJZLTZ is an educational product designed to help users learn personal finance concepts, explore illustrative calculations, and build general financial literacy. The App does not provide investment, trading, brokerage, lending, tax, or personalized financial advice.
By using GJZLTZ, you acknowledge that you have read and understood this Privacy Policy. If you do not agree with this policy, please discontinue use of the App.
1. Scope
This policy applies to the GJZLTZ iOS application and related educational features, including but not limited to: guided courses, interactive home labs, compound and loan calculators, glossary search, quizzes, learning progress tracking, optional budget snap journal, and profile settings.
This policy does not apply to third-party websites, services, or content that may be linked from the App or opened in an in-app browser, if any. Those services are governed by their own privacy policies.
2. Information We May Process
We aim to collect only what is reasonably necessary to deliver the App’s educational experience. Depending on how you use GJZLTZ, the following categories of information may be processed:
- Learning and usage activity — such as courses viewed, lesson progress, quiz attempts, scores, streaks, glossary searches, and profile milestones you choose to track within the App.
- Calculator and lab inputs — numeric values you enter in compound growth, loan, inflation, emergency fund, and related interactive tools, along with saved calculation summaries you choose to keep in your history.
- User-generated journal content (optional) — if you use the Budget Snap Journal or similar features, images, captions, or notes you attach for personal budgeting practice.
- App preferences — such as display choices, reminder settings, or other configuration options supported by the App.
- Support communications — if you contact us by email, we receive the information you voluntarily provide (for example, your email address and message content).
GJZLTZ does not require you to create an account to access its core educational features. We do not knowingly collect government identification numbers, payment card details, brokerage credentials, or other sensitive financial account logins through the App.
3. How We Use Information
We use information for legitimate educational and operational purposes, including to:
- Present courses, lessons, glossaries, quizzes, and concept explainers;
- Run interactive calculators, labs, and illustrative financial models;
- Save your learning progress, quiz results, and calculation history within the App;
- Enable optional journal and study-tracking features you choose to use;
- Maintain, troubleshoot, and improve App performance and usability;
- Respond to support inquiries and communicate about policy updates when appropriate;
- Detect, prevent, and address misuse, fraud, or security issues;
- Comply with applicable laws, regulations, and legal process.
We do not sell your personal information. We do not use the App to deliver third-party targeted advertising based on your activity within GJZLTZ.
4. Legal Bases (Where Applicable)
If you are located in a region that requires a stated legal basis for processing (such as the European Economic Area or United Kingdom), we rely on one or more of the following, as applicable:
- Performance of a contract — to provide the App and features you choose to use;
- Legitimate interests — to operate, secure, and improve the App in a way that respects your privacy;
- Consent — where required for optional features or communications;
- Legal obligation — where we must retain or disclose information under law.
5. Data Retention
We retain information for as long as reasonably necessary to fulfill the purposes described in this policy, unless a longer retention period is required or permitted by law. Retention periods may vary depending on the type of information and how you use the App.
You may be able to remove certain content through in-app controls (for example, deleting saved calculation records or journal entries where supported). Uninstalling the App may remove App-associated data from your device, subject to your device settings and any separate backup services you use.
6. Sharing and Disclosure
We do not sell, rent, or trade your personal information to third parties for their marketing purposes. We may share information only in the following circumstances:
- Service providers — trusted vendors who assist us with hosting, analytics, customer support, or similar operations, bound by confidentiality and data-protection obligations;
- Legal requirements — when we believe disclosure is required by law, regulation, subpoena, court order, or governmental request;
- Protection of rights — to enforce our terms, protect the safety of users or the public, or respond to security incidents;
- Business transfers — in connection with a merger, acquisition, reorganization, or sale of assets, subject to this policy or equivalent protections.
7. Your Choices and Rights
Depending on your location, you may have rights regarding your personal information, such as:
- Access to information we hold about you;
- Correction of inaccurate information;
- Deletion of information, subject to legal exceptions;
- Restriction or objection to certain processing;
- Data portability, where applicable;
- Withdrawal of consent where processing is consent-based.
To exercise these rights, contact us using the details in Section 12. We may need to verify your identity before responding. You may also have the right to lodge a complaint with your local data protection authority.
8. Children’s Privacy
GJZLTZ is intended for a general audience interested in financial literacy and is not directed at children under 13 (or the minimum age required in your jurisdiction). We do not knowingly collect personal information from children below that age.
If you are a parent or guardian and believe your child has provided personal information to us, please contact us. We will take reasonable steps to review and address the request in accordance with applicable law.
9. Security
We implement reasonable administrative, technical, and organizational measures designed to protect information against unauthorized access, alteration, disclosure, or destruction. These measures may include access controls, encryption where appropriate, and secure development practices.
No method of transmission or electronic storage is completely secure. While we strive to protect your information, we cannot guarantee absolute security. You use the App at your own risk and should take appropriate steps to safeguard your device.
10. International Users
GJZLTZ may be used by individuals in different countries. If you access the App from outside your home jurisdiction, your information may be processed in locations that have different data-protection laws than your own. Where required, we take steps designed to ensure appropriate safeguards for cross-border transfers.
11. Changes to This Policy
We may update this Privacy Policy from time to time to reflect changes in our practices, the App, or applicable law. When we make material changes, we will update the “Effective date” at the top of this page. We encourage you to review this policy periodically.
Your continued use of GJZLTZ after an updated policy becomes effective constitutes your acceptance of the revised terms, unless applicable law requires otherwise.
12. Contact Us
If you have questions, concerns, or requests regarding this Privacy Policy or our data practices,
please contact us at:
GJZLTZ82@icloud.com
We will make reasonable efforts to respond to legitimate inquiries within the timeframes required by applicable law.