Privacy Policy

1. Who is responsible for your information

Faisal Khan, LLC, a Wyoming limited liability company doing business as Money Wiki (“Faisal Khan, LLC”, “we”, “us” or “our”), operates moneywiki.app (the “Service”). We decide how and why personal information is used on the Service and, for the purposes of data protection laws that use the term, we are the “controller”.

This policy covers personal information handled through the Service and when you email us. It does not cover other websites, including sites we link to, or our separate sites and services, which have their own policies. Our Terms of Service also apply to your use of the Service.

2. Information we collect

What we collect depends on how you use the Service. You can read public pages without an account.

We do not ask for government identification, bank or card numbers, or crypto wallet keys on the Service. Please do not send them, or other sensitive personal information, to us. We do not sell anything through the Service directly, and advertising or sponsorship arrangements are handled separately by email and agreement.

We may also receive information about you from other people, such as an administrator who invites you to join, or from public sources when we write about a person or company in an educational article.

3. How we use information, and our legal bases

Some laws, including in the European Economic Area and the United Kingdom, require us to state a legal basis for each use.

Our legitimate interests include keeping the Service useful, secure and financially sustainable, and we weigh these against your rights. Where we rely on consent, you can withdraw it at any time; this does not affect earlier use.

We do not currently send a marketing newsletter from the Service. If we start one, we will give you a way to choose whether to receive it and to unsubscribe.

4. Cookies and similar technologies

Cookies are small files stored by your browser. We use the following:

Our sign-in software may also briefly use your browser’s local storage to keep open tabs in step. Fathom Analytics is designed to measure use without cookies that identify individuals.

You can block or delete cookies in your browser settings. Blocking sign-in cookies will stop sign-in from working. You can also limit Google Analytics with Google’s opt-out browser add-on.

Do Not Track and Global Privacy Control. The Service does not currently change how it operates in response to Do Not Track or Global Privacy Control signals.

5. Who we share information with

We use service providers to run the Service. They may process personal information on our behalf, or under their own terms and policies where they act independently:

We may also disclose personal information:

• To other users or the public, where you choose to make profile details public;
• To professional advisers, such as lawyers, accountants and insurers, where needed;
• For legal reasons, where we believe it is required by law or legal process, or needed to protect rights, safety or the Service; and
• In a business transfer, such as a merger, financing, reorganization or sale of assets, subject to appropriate safeguards.

We do not sell your personal information for money. We do not knowingly share it for cross-context behavioral advertising as those terms are defined under California law.

6. Advertising, embedded content and links

Advertising and sponsored placements on the Service are generally placed by us directly and are not served through an advertising network. We do not give advertisers your account details. An advertiser’s creative may load images or other material from its own systems, and if you click an advertisement or any outside link, the destination will receive information such as your IP address and, potentially, the page you came from.

Some pages load content from third parties, such as flag images from flagcdn.com or a privacy-enhanced YouTube player, which receive your IP address and browser details when your browser loads that content. Share links for services such as X, LinkedIn and WhatsApp send information to those services only if you use them. Those services’ own privacy policies apply.

7. Artificial intelligence

We use artificial intelligence services, including Anthropic and OpenRouter, to help classify topics and draft articles. These tools work from editorial terms and prompts, and we do not send visitors’ browsing data or account details to them for this purpose. Articles may mention public figures and information from public sources. We do not use artificial intelligence to make decisions about you that have legal or similarly significant effects.

8. International transfers

We are based in the United States, and we and our providers may process information in the United States and other countries whose laws may offer different protection from those where you live. Where the law requires a safeguard for a transfer, we rely on an appropriate mechanism, such as an adequacy decision or the standard contractual clauses offered by a provider. You may contact us for more information.

9. How long we keep information

We keep personal information only for as long as we reasonably need it for the purposes in this policy. In general:

• Account and profile details: while your account is open, and afterwards only as described below;
• Sign-in codes: a code stops working after 10 minutes or once used, but the related security record, which can include IP address and browser details, may be kept while it remains useful for security or legal purposes;
• Waitlist and invitation records: while they remain relevant, including after a request is decided;
• Vote, audit and security records: while needed to protect the Service, resolve disputes and keep an accurate record;
• Messages: for as long as needed to handle your matter and keep business and legal records;
• Analytics and logs: according to the settings and practices of the providers concerned; and
• Backups: deleted information may remain in encrypted backups until those backups expire in the normal course.

When we delete an account, content that person authored may stay on the Service, reassigned to another account. We may keep information where the law requires it, or to establish, exercise or defend legal claims. We may also keep information that has been anonymized, so that it no longer identifies you.

10. How we protect information

We use technical and organizational measures designed to protect personal information, including encrypted connections, sign-in without stored passwords, storage of sign-in codes in hashed form, role-based access to administration areas, rate limits, and encrypted backups. No system is completely secure, and we cannot guarantee security. If a breach affects your personal information, we will notify you and the authorities where the law requires it. Please keep access to your email account secure, since it controls sign-in to your account.

11. Your choices and rights

Choices available to everyone. If you have an account, you can view and change your profile details and visibility settings at your profile page. You can ask us to delete your account or correct your details by contacting us. You can also control cookies in your browser.

Rights under privacy laws. Depending on where you live, the law may give you the right to:

• know whether we process your personal information, and get access to it;
• receive a copy in a portable form;
• correct inaccurate information;
• delete your information;
• object to or restrict certain uses, including use based on legitimate interests;
• withdraw consent, where we rely on it;
• opt out of the sale or sharing of personal information, targeted advertising, or certain profiling, where these apply;
• not be treated unfairly for using these rights; and
• complain to a data protection authority.

How to make a request. Email us using the address in the Contact section, tell us what you want and which email address the request concerns, and tell us your state or country. We may need to confirm your identity, usually by asking you to reply from that email address, before acting. An authorized agent may act for you where the law allows, with proof of authority. We will respond within the time the law requires. If we decline your request, we will explain why and, where the law provides it, how to appeal. Some rights have exceptions, for example where we must keep information for legal reasons.

12. Additional information for certain regions

United States

Residents of California and some other states may have rights described in the previous section where those state laws apply to us. In the past 12 months, we may have collected the categories in “Information we collect”, which correspond to identifiers, internet or network activity, approximate geolocation, professional details you choose to provide, and inferences drawn from account activity such as reputation scores. We use and disclose them for the purposes and with the recipients described above, and we retain them as described above. We have not sold personal information for money. We do not use sensitive personal information to infer characteristics about you.

California residents may also ask once a year for information about any disclosure of personal information to third parties for their direct marketing purposes. We do not make such disclosures.

European Economic Area, United Kingdom and Switzerland

You have the rights listed in the previous section under the GDPR, the UK GDPR or Swiss law, as applicable, and the right to lodge a complaint with your local data protection authority. We would welcome the chance to address your concern first. Providing your details is needed to create an account, but you can read public pages without one.

13. Children

The Service is not directed to children under 13 (or an older age where local law sets one), and accounts are for people 18 or older. We do not knowingly collect personal information from children. If you believe a child has given us personal information, please contact us and we will take appropriate steps to delete it.

14. Changes to this policy

We may update this policy as the Service, our providers or the law change. We will post the new version here and change the date at the top. If a change is material, we will take additional steps where the law requires them, such as notifying account holders by email.

15. Contact

For privacy questions or requests, write to Faisal Khan, LLC, Legal, at Show email address.