Privacy Policy

CAEL ("we," "our," or "us") operates the CAEL mobile application (the "App"). This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our App.

By using CAEL, you agree to the collection and use of information in accordance with this policy.

1. Information We Collect

Account Information

• Email address (for account creation and communication)
• Display name (optional, for personalization)
• Investor personality type (Explorer, Builder, or Strategist — determined during onboarding)

Usage Data

• Lesson and module progress
• Quiz scores and completion data
• XP, streak, and achievement data
• Confidence score metrics
• App usage patterns and session data

AI Conversations

• Messages exchanged with the AI companion are processed to provide personalized education
• Conversation data may be used to improve the quality of AI responses
• We do not sell or share your AI conversations with third parties

Payment Information

• Subscription and token purchase records
• Payment processing is handled by Stripe and Apple (via In-App Purchase) — we never store your credit card details directly

Device Information

• Device type, operating system version
• App version
• Anonymous usage analytics

2. How We Use Your Information

• Provide, maintain, and improve the CAEL education experience
• Personalize content based on your investor personality type
• Power AI companion responses tailored to your learning style
• Track your progress, streaks, and achievements
• Process payments and manage subscriptions
• Send important service updates (not marketing spam)
• Analyze aggregate usage to improve our curriculum

3. Data Storage and Security

Your data is stored using Appwrite, a secure backend-as-a-service platform. We implement industry-standard security measures including:

• Encrypted data transmission (TLS/SSL)
• Secure authentication protocols
• Regular security audits
• Minimal data collection — we only collect what's necessary

4. Third-Party Services

CAEL uses the following third-party services:

• Google Gemini AI — Powers the AI companion. Your messages are processed by Google's AI services to generate responses. See Google's Privacy Policy.
• Stripe — Processes subscription payments. See Stripe's Privacy Policy.
• Apple In-App Purchase — Processes token purchases. See Apple's Privacy Policy.
• Appwrite — Backend data storage. See Appwrite's Privacy Policy.

5. Data Sharing

We do not sell your personal data. We only share data in the following circumstances:

• With service providers listed above, solely for app functionality
• If required by law, regulation, or legal process
• To protect the rights, property, or safety of CAEL, our users, or others

6. Your Rights

You have the right to:

• Access — Request a copy of your personal data
• Correction — Update or correct inaccurate data
• Deletion — Request deletion of your account and associated data
• Portability — Request your data in a portable format
• Opt-out — Manage notification preferences within the App

To exercise any of these rights, contact us at hi@cael.world.

7. Data Retention

We retain your data for as long as your account is active. If you delete your account, we will delete your personal data within 30 days, except where retention is required by law or for legitimate business purposes (e.g., fraud prevention).

8. Children's Privacy

CAEL is intended for users aged 13 and older. We do not knowingly collect personal information from children under 13. If you believe a child under 13 has provided us with personal data, please contact us and we will promptly delete it.

9. Cookies and Tracking

The CAEL App does not use cookies. Our website (cael.world) may use minimal analytics to understand traffic patterns. We do not use advertising trackers or sell data to advertisers.

10. Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of any material changes by posting the new policy in the App or via email. Your continued use of CAEL after changes constitutes acceptance of the updated policy.

11. Contact Us

If you have questions about this Privacy Policy or your data, contact us at:

CAEL
Email: hi@cael.world
Website: cael.world