Privacy Policy

MuMu Wallet (“MuMu”, “we”, “us”, or “our”) is operated by Tinnapat Sittisuwan. This Privacy Policy explains how MuMu handles information when you use the MuMu mobile application, including the MooNim AI chat feature.

1. Information We Handle

MuMu is designed so that most financial information is stored locally on your device.

When you use MuMu, information may include:

• Assets, asset names, categories, and balances you enter.
• Stock holdings, including ticker symbols, quantities, prices, cost basis, currency, and broker name.
• Dividend history and dividend settings.
• Savings or financial goals.
• Net-worth totals and recent net-worth history.
• MooNim chat messages and AI responses.
• A randomly generated app client identifier and daily MooNim usage count.
• Technical information necessary to operate the app, such as app version and device/network information supplied by Apple or your device.

MuMu does not ask for your name, email address, bank login credentials, credit-card number, or private notes in order to use MooNim.

2. How MooNim AI Uses and Shares Data

MooNim is optional. Before using it, you must explicitly agree to the AI data-sharing notice in the app.

When you tap Send in MooNim, MuMu sends the information needed to answer your question. This may include:

• Your chat message;
• Asset, portfolio, stock, dividend, goal, and net-worth information described above; and
• Recent messages from your MooNim conversation.

MuMu does not send your private notes or your identity to MooNim.

To generate a response, the data is transmitted through the following service providers:

1. Cloudflare, Inc. — hosts and operates MuMu’s secure AI request server.
2. OpenRouter, Inc. — routes the AI request to the selected AI model provider.
3. Google Gemini / Google LLC — provides the AI model used to generate MooNim responses.

These providers may process information in countries other than your own. We use these providers only to operate MooNim and generate the response you requested. We do not sell your financial data or use it for advertising.

We require service providers that process MuMu user data on our behalf to apply privacy and security protections consistent with this Privacy Policy and applicable law.

3. When Data Is Sent

Your portfolio information is sent to the AI service only when you choose to use MooNim and tap Send.

You can choose not to use MooNim. You can also stop using it at any time and clear the chat history in the app.

4. Why We Use Information

We use information to:

• Display and maintain your assets, portfolio, dividends, and goals;
• Provide MooNim AI responses when you request them;
• Enforce the free daily MooNim question limit;
• Provide MooNim Pro subscription access;
• Maintain app security, prevent misuse, and troubleshoot technical problems;
• Improve the reliability and functionality of MuMu.

MuMu does not use your financial information to make automated investment decisions for you.

5. Storage and Retention

Financial data and MooNim chat history are primarily stored locally on your device.

MuMu’s server does not intentionally retain the contents of your portfolio or chat requests after processing them. To operate the daily free-question limit, MuMu temporarily stores a randomly generated app client identifier, a daily usage count, and an expiry time. This usage data is retained for up to approximately 48 hours.

Third-party AI providers may process request data under their own service terms and privacy practices. Please review their applicable privacy information:

• Cloudflare: https://www.cloudflare.com/privacypolicy/
• OpenRouter: https://openrouter.ai/privacy
• Google: https://policies.google.com/privacy

6. Your Choices and Rights

You may:

• Decline MooNim AI data sharing by not accepting the AI consent screen;
• Stop using MooNim at any time;
• Clear MooNim chat history in the app;
• Delete MuMu from your device to remove locally stored app data;
• Contact us to request information, correction, or deletion where applicable law gives you that right.

To make a privacy request, contact tinnapatsittisuwan@gmail.com. We may need to verify your request before responding.

7. Security

We use reasonable administrative, technical, and organizational measures intended to protect information. However, no internet transmission or storage system can be guaranteed completely secure. Do not enter passwords, bank credentials, government IDs, or highly sensitive personal information into MooNim.

8. Children’s Privacy

MuMu is not intended to collect personal information from children under 13. If you believe a child has provided personal information to us, contact us and we will take appropriate steps to address the request.

9. Changes to This Policy

We may update this Privacy Policy when MuMu or applicable law changes. We will post the updated version on this page and update the Effective Date.

10. Contact

For privacy questions, contact: