Privacy Policy

Modoterra Corporation provides Dollaroodle ("Dollaroodle", "we", "our", "us"), a budgeting and household finance service. This policy explains what we collect, how we use it, and your choices.

Information we collect

• Account data: name, email, and authentication credentials.
• Financial inputs: incomes, expenses, savings goals, and household member details you choose to provide.
• Usage data: interactions with the product, device, and browser metadata.
• Billing data: subscription status and payment identifiers processed by our payment partner.

How we use information

• Provide, secure, and improve Dollaroodle.
• Process subscriptions and support requests.
• Send transactional emails such as account confirmations, security alerts, and billing receipts.
• Send product update emails including new features, tips, and product news, if you have opted in.
• Comply with legal obligations and enforce our terms.

How we protect your data

• Encryption in transit using HTTPS/TLS.
• Application-level encryption for sensitive financial amount fields at rest.
• Password hashing and account protections, including optional two-factor authentication.
• Access controls and operational monitoring designed to reduce unauthorized access risk.

For additional security details, review our Security page.

AI-powered features

Dollaroodle includes Master Oodle, an AI-powered assistant that helps you understand and manage your household finances. When you use this feature:

• Your messages and relevant financial context are sent to our AI provider (OpenAI) to generate responses.
• Conversations are stored to provide continuity and improve your experience.
• We do not use your conversations to train AI models. OpenAI processes data according to their API data usage policies.
• Guest users can try the AI assistant with limited functionality. Guest conversations are ephemeral and not stored.

Sharing

We only share data with service providers needed to run the product (e.g., hosting, payments, and customer support). We do not sell or share personal data for cross-context behavioral advertising.

We use Google Ads to show search advertisements. If you click one of our ads, Google may include a click identifier in the URL to measure ad performance. We do not read, store, or use this identifier in any way, and we do not combine it with personal data. We do not place advertising or analytics cookies on your device.

Subprocessors

• Laravel (hosting, monitoring)
• Cloudflare (security, CDN)
• Resend (transactional and marketing email)
• Stripe (payments)
• OpenAI (AI-powered assistant for financial guidance)

Legal bases (EEA/UK)

• Contract: to provide the service you request.
• Legitimate interests: to secure, maintain, and improve Dollaroodle.
• Legal obligations: to comply with applicable laws.
• Consent: for product update emails and any other optional features where we request it. You may withdraw consent at any time from your notification settings.

International transfers

We may process personal data in the United States and other countries where our service providers operate. Where required, we use appropriate safeguards such as standard contractual clauses.

Data retention

We retain information while your account is active and as needed for legal, billing, or security purposes. When you delete your account, we strive to remove your personal data within 90 days, unless we must keep it longer to comply with legal obligations. You can delete your account from settings.

Your privacy rights (EEA/UK)

• Access, correct, or delete your personal data.
• Object to or restrict certain processing.
• Request data portability.
• Withdraw consent where processing is based on consent.
• Complain to your local data protection authority.

US state privacy rights (CCPA/CPRA)

• Know the categories and specific pieces of data we hold.
• Access, correct, or delete your personal data.
• Opt out of the sale or sharing of personal data (we do not sell or share it).
• Limit use of sensitive personal information.
• Non-discrimination for exercising your rights.

To submit a request, email [email protected]. We will verify your request. Authorized agents may submit requests with proof of authorization.

Do Not Sell or Share

Dollaroodle does not sell or share personal data as defined by the CCPA/CPRA. You can still contact us at [email protected] if you have questions about this policy.

Sensitive personal information

We use sensitive personal information only to provide and secure the service, comply with law, and support your account.

Your choices

• Access and update your profile information.
• Delete your account from settings.
• Opt out of product update emails at any time from your notification settings.
• Contact us for privacy requests.

Children's privacy

Dollaroodle is not intended for children under 16. If you believe a child has provided personal data, contact us to request deletion.

Changes to this policy

We may update this policy from time to time. We will post the updated version here.

Contact

Email [email protected] or write to 131 Continental Dr Suite 305 Newark, DE 19713 US.