Privacy Policy

PMV 2, LLC, doing business as Spiegel Financial ("Spiegel Financial," "we," "us," or "our"), values the privacy of every person ("you," "your," or "User") who uses our websites, mobile applications, and related services (collectively, the "Services"). This Privacy Policy describes how we collect, use, disclose, and protect Personal Data and other information when you access or use the Services.

By registering for or using the Services, you agree to the terms of this Privacy Policy.

• Personal Data: Information relating to an identified or identifiable individual, including name, email address, phone number, date of birth, postal address, and financial information when linked to an identifiable person.
• Non-Identifying Data: Data that does not directly identify you, such as aggregated data (e.g., counts of users with specific financial behaviors) or data restricted to Personal View.
• Usage Data: Data collected automatically when you access or use the Services, such as device identifiers, IP addresses, browser type, time stamps, pages visited, and analytics regarding how you interact with the Services.

3.1. Information You Provide

When you register for a Spiegel Financial account or interact with the Services, you may provide:

• Account Information: Name, email address, phone number, username, password, date of birth.
• Financial Profile Data: Financial accounts, investment preferences, income, expenses, financial goals, and transaction history.
• Demographics and Preferences: Gender identity, ethnicity (optional), preferred language, notification preferences.
• Customer Support Communications: Messages, emails, or survey responses sent to us, including feedback, inquiries, and support requests.

3.2. Information Collected Automatically

When you access or use the Services, we and our service providers automatically collect:

• Device & Network Data: IP address, device model, operating system, browser type, mobile carrier, screen resolution, device identifiers.
• Usage Patterns: Pages visited, links clicked, time spent on pages, session duration, feature usage.
• Cookies & Similar Technologies: We and our partners use cookies, web beacons, pixel tags, and local storage to operate, improve, and personalize the Services.

We use Personal Data, Non-Identifying Data, and Usage Data for:

• Operation & Provision of Services: Creating, maintaining, and securing your account; authenticating and authorizing access; providing personalized financial tools (e.g., budgeting recommendations, investment insights).
• Personalization: Tailoring in-app content, recommendations (e.g., investment options), and AI-generated financial guidance based on your financial profile and preferences.
• Communications: Responding to inquiries and support requests; sending system-related notices (e.g., password resets, security alerts), product updates, and marketing emails (if opted in).
• Compliance & Safety: Complying with legal obligations, detecting and preventing fraud, protecting our rights and property, and complying with law enforcement or regulatory requests.

5.5. Your Rights

Depending on your jurisdiction, you may have the following rights:

• Access & Confirmation: Request confirmation of data processing and obtain a copy.
• Correction: Request correction of inaccurate or incomplete data.
• Deletion: Request deletion of data from active systems (except where retention is legally required).
• Portability: Obtain data in a structured, machine-readable format.

To exercise these rights, email privacy@spiegelfinancial.com. We respond within applicable legal timeframes.

We implement safeguards to protect data, including:

• Encryption: TLS 1.2+ in transit, AES-256 at rest.
• Access Controls: Role-based access, multi-factor authentication, system access logging.
• Network Security: Firewalls, intrusion detection, vulnerability monitoring.

No transmission or storage is 100% secure. Report suspected breaches to security@spiegelfinancial.com.