Datenschutzrichtlinie

FinKidIQ („wir“, „uns“, „unser“) verpflichtet sich, Ihre Privatsphäre und die Ihres Kindes zu schützen. Diese Datenschutzrichtlinie erklärt, wie wir personenbezogene Daten erfassen, verwenden, speichern und schützen, wenn Sie die FinKidIQ-App oder Website (den „Dienst“) nutzen. Sie entspricht der EU-DSGVO, dem schweizerischen DSG, der britischen DSGVO sowie den einschlägigen Datenschutzgesetzen der Vereinigten Staaten, einschließlich COPPA (Children’s Online Privacy Protection Act).

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1. Who We Are

 

FinKidIQ is an educational platform designed to teach kids financial literacy in a safe and child-friendly way.
If you have any questions, you can contact us at: contact@finkidiq.com

 

2. What Data We Collect

 

We collect minimal data necessary to operate and improve our Service.

 

A. Information You Provide

• Parent/guardian email (for account creation and consent)

• Child nickname or avatar (no real names required)

• Progress data (scores, badges, learning activity)

 

B. Automatically Collected Information

• Device information (type, OS version, browser)

• App usage data

• Cookies or similar technologies (for analytics and performance)

 

We do not collect precise location data, biometric data, or unnecessary identifiers.

 

3. How We Use Your Data

 

We use data to:

• Provide and personalise learning experiences

• Track progress and award badges

• Improve app performance and fix issues

• Communicate with parents/guardians

• Comply with legal obligations

 

We never sell personal data.

 

4. Legal Basis for Processing (EU/UK/CH Users)

 

We process data based on:

• Parental consent (for children’s data)

• Performance of a contract (providing the Service)

• Legitimate interests (analytics, product improvement)

• Legal compliance

 

5. Children’s Privacy (COPPA & GDPR-Kids)

 

FinKidIQ is designed for children, but all accounts must be created by a parent/guardian.

 

We comply with:

• COPPA (USA)

• GDPR Art. 8 (EU)

• UK and Swiss child-data rules

 

We only collect the minimum data necessary for learning features and never use it for marketing.

Parents have full control over their child’s data.

 

6. Data Sharing

 

We may share data only with:

• Trusted service providers (hosting, analytics)

• Regulatory authorities (if legally required)

 

All partners are required to follow strict data-protection standards.

We do not share data with advertisers.

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7. International Data Transfers

 

If data is transferred outside the EU/UK/Switzerland, we use:

• Standard Contractual Clauses (SCCs)

• UK IDTA Addendum

• Swiss FADP-approved safeguards

 

8. Your Rights

 

Depending on your location, you may have the right to:

• Access your data

• Correct your data

• Request deletion of your data

• Withdraw consent

• Receive a portable copy of data

• Object to processing

• File a complaint with a regulator

 

To exercise these rights: privacy@finkidiq.com

 

9. How Long We Keep Data

 

We keep data only as long as necessary for:

• Operating the app

• Fulfilling legal requirements

 

Parents may request account deletion at any time.

 

10. Security

 

We use industry-standard measures, including:

• Encryption

• Secure servers

• Access controls

 

11. Changes to This Policy

 

We may update this Privacy Policy to reflect improvements or legal requirements.
We will notify parents when changes are significant.