Privacy Policy

Last updated: January 11, 2026

Key Highlights

  • Your Data is Private: We never sell your data to anyone, and we never have!
  • Your Rights: Access, update, delete your data, and opt-out of communications at any time.
  • Security Measures: We protect your data using advanced security measures.
  • AI Data Protection: We do not use your data to train our AI models without your explicit consent.
  • Contact Us: For any privacy concerns, reach us at privacy@duskai.app.

1. Introduction

Welcome to Dusk AI! We prioritize your privacy and we are dedicated to protecting it. At Dusk AI Inc. ("Dusk AI", "we", "us", or "our"), we respect your privacy and are committed to protecting your personal data. This Privacy Policy explains what data we collect, how we use it, and your rights as a user.

By using our Service, you agree to this policy. Please also review our Terms of Service to understand the complete agreement governing your use of our Services.

First and foremost: we never sell your data to anyone, and we never have!

2. Overview

Our policy is designed to inform you about:

  • The types of information Dusk AI Inc. collects from you during your use of our services
  • How we use, maintain, and safeguard your information
  • Your privacy rights and how the law applies to you

This policy is relevant to information we collect:

  • On our Website and through our Service
  • In email, text, and other electronic messages between you and Dusk AI
  • Through any mobile or desktop applications you download from our Website

We may update this Privacy Policy periodically, and we encourage you to review it regularly.

3. Information We Collect

We respect your privacy, and your data is NEVER sold to anyone.

Dusk AI collects and uses your data to provide and enhance our services and respects your privacy at every step. Here are the categories of data we collect and key points about how each is handled:

Basic Account Information

Includes data like your name, email address, username, date of birth, marital status, country, and user preferences. This information helps us personalize and manage your experience with our Service.

Financial Planning Data

Encompasses all information you manually enter, such as:

  • Financial scenarios and projections
  • Account balances (savings, investments, real estate, physical assets)
  • Income and expense information
  • Debt and liability details
  • Future financial goals like home purchases, retirement planning, and other objectives
  • Tax information and filing status
  • Withdrawal strategies and financial planning preferences

All financial planning data is encrypted at rest and in transit. You control your data and can delete it anytime through your account settings.

AI Interaction Data

When you interact with our AI assistant, we collect:

  • Your questions and queries to the AI assistant
  • AI-generated responses and recommendations
  • Chat session history and conversation context
  • AI interaction usage and patterns

Important: We do not use your conversations or inputs to train our AI models without your explicit consent. Your conversations and inputs remain private and are not shared with third parties for marketing purposes.

Usage Data

This may include information such as:

  • Your IP address
  • Browser type and version
  • Device information
  • Pages visited on our Service
  • Time spent on these pages
  • Navigation patterns within the app
  • Geographic location (country/city level)
  • Referrer information

This information helps us improve service functionality and user experience, detect and prevent fraud, and ensure security.

Payment Information

When you subscribe to our services, we collect payment information through our third-party payment processors. We do not store your full credit card details on our servers. Payment processing is handled by secure, PCI-compliant third-party services.

Remember, as a user, you control your planning data and can delete it anytime through your account settings.

4. Cookies and Tracking Technologies

Dusk AI utilizes cookies and similar tracking technologies to enhance your experience on our website. Understanding how and why we use cookies will help you make informed decisions about your interaction with our site.

What Are Cookies?

Cookies are small text files stored on your device by websites you visit. They are widely used to improve your browsing experience, perform analytics, remember your preferences, and for advertising purposes.

Types of Cookies We Use

Strictly Necessary Cookies (Always Active)

These cookies are essential for the operation of our website and cannot be switched off. They enable basic functions like:

  • Authentication cookies that keep you logged in to your account
  • CSRF (Cross-Site Request Forgery) protection tokens for security
  • Session cookies that maintain your browsing session
  • Security monitoring cookies that help us detect and prevent suspicious activity
  • Visit tracking cookies that log user interactions for security, fraud prevention, and service optimization
  • Load balancing cookies that ensure optimal website performance

Important Note: Our necessary cookies include comprehensive visit logging that tracks your IP address, browser information, pages visited, time spent, geographic location (country/city), user agent, referrer information, and interaction patterns. This data is essential for security monitoring, fraud prevention, service optimization, and ensuring proper functionality of our platform.

Functional Cookies (Optional)

Functional cookies enable our website to provide enhanced functionality and personalization, such as remembering your preferences and settings. These are set by us or third-party providers whose services we've added to our pages. If you do not allow these cookies then some or all of these services may not function properly.

Performance/Analytics Cookies (Optional)

We use performance cookies to understand how visitors interact with our website, identify which pages are visited most frequently, and analyze site performance. This data helps us enhance the functionality and user experience of our website. These cookies are only active when you consent to them and include:

  • Usage tracking to measure site performance and identify popular content
  • Error tracking to help us identify and fix technical issues
  • Performance monitoring to optimize loading times and user experience
  • Anonymized visitor statistics to understand traffic patterns
  • Google Analytics and similar third-party analytics services

If you do not allow these cookies we will not know when you have visited our site, and will not be able to monitor its performance.

Targeting/Marketing Cookies (Optional)

Targeting cookies are used to help measure the effectiveness of advertising campaigns, track referrals, and deliver marketing content or advertisements more relevant to you and your interests. They are only active when you consent to them and include:

  • Ad personalization cookies that help show relevant advertisements
  • Conversion tracking cookies that measure advertising effectiveness
  • Social media integration cookies for sharing functionality
  • Retargeting cookies that help us show relevant ads on other websites
  • Facebook Pixel and similar marketing tracking technologies

They do not store personal information, but are based on uniquely identifying your browser or internet device.

User Consent and Preferences

We respect your right to privacy. Therefore, aside from strictly necessary cookies, we will only use other types of cookies if you consent to them. You can manage your preferences via our Cookie Consent Manager, accessible on our website or through your account settings at Privacy Settings.

Cookie Storage and Retention

Cookies are stored locally on your device and have different lifespans:

  • Session cookies are deleted when you close your browser
  • Persistent cookies remain until they expire or you delete them
  • Most of our cookies expire within 1 year, except for necessary security cookies which may last longer
  • Visit logs and security data may be retained for up to 2 years for fraud prevention and security analysis

Managing Cookies

You can control and manage cookies through:

  • Our cookie consent banner when you first visit our site
  • The cookie settings page in your account preferences
  • Your browser settings (though this may affect website functionality)
  • Clearing your browser's stored data (note: this will not affect necessary cookies which are required for functionality)

Keep in mind that removing or blocking cookies can impact your user experience and parts of our website may no longer be fully accessible.

Third-Party Cookies

We may use third-party services that set their own cookies, including:

  • Analytics providers for website performance monitoring
  • Payment processors for subscription management
  • Content delivery networks for improved performance
  • Customer support platforms

These services may collect information about you according to their own privacy policies. We encourage you to review the privacy policies of any third-party services you access through our platform.

Changes to Our Cookie Practices

We may update our cookie practices from time to time to reflect changes in our practices, technology, or legal requirements. If we make significant changes to how we use cookies, we will notify you through our cookie consent mechanism and may request renewed consent. We encourage you to periodically review this policy for the latest information on our cookie practices.

5. How We Use Your Information

We use your information to provide, maintain, and improve our Services.

Service Provision

  • To create and manage your account
  • To process your subscriptions and payments
  • To provide financial planning tools, projections, and simulations
  • To deliver AI-powered features and personalized recommendations
  • To respond to your inquiries and provide customer support
  • To send service-related notices, including updates about our Services and information about your account

AI Services

  • To process your queries and generate AI responses
  • To provide personalized financial recommendations and insights
  • To run what-if simulations and scenario analyses
  • To generate charts and visualizations based on your data
  • To improve AI accuracy and performance (using anonymized and aggregated data only, with your consent)

Your data is not sold to third parties or used to train our AI models without your explicit consent. We may use anonymized and aggregated data for analytical purposes and to enhance the quality and performance of our Services.

Security and Fraud Prevention

  • To detect and prevent fraud, abuse, and security threats
  • To monitor for suspicious activity and unauthorized access
  • To ensure compliance with our Terms of Service
  • To analyze user behavior patterns for security purposes

Service Improvement

  • To analyze usage patterns and improve our Services
  • To develop new features and functionality
  • To optimize website performance and user experience
  • To conduct research and analytics (using anonymized data)

Communication

  • To send you service-related communications (with your consent for marketing communications)
  • To notify you about changes to our Services or policies
  • To respond to your requests and inquiries

Cookie Data Usage

Cookie data is used to remember your preferences, maintain your login session, analyze site performance (with consent), and provide personalized experiences (with consent). Visit tracking data (collected via necessary cookies) is used for security monitoring, fraud detection, service optimization, debugging, and ensuring compliance with our terms of service.

7. Data Retention

We retain your personal information only for as long as necessary to fulfill the purposes outlined in this Privacy Policy.

You can request deletion of your account and associated data at any time by contacting our support team at support@duskai.app.

We may retain certain information in anonymized or aggregated form, which cannot be used to identify you, even after you delete your account.

Specific Retention Periods

  • Account data: Retained while your account is active and for 30 days after deletion
  • Financial planning data: Retained while your account is active and deleted upon account deletion (unless you request earlier deletion)
  • AI interaction data: Retained while your account is active and for 30 days after deletion
  • Visit logs and security data: Up to 2 years for fraud prevention and security analysis
  • Payment information: Retained as required by law (typically 7 years for tax purposes)
  • Marketing data: Until you unsubscribe or withdraw consent
  • Analytics data: Anonymized and retained indefinitely for service improvement
  • Cookie preferences: Stored until you change them or clear your browser data. Necessary cookies are retained as long as needed for security and functionality.

8. Data Security

Ensuring the security of your data is a top priority. We implement appropriate technical and organizational measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction.

While no online service is entirely secure, we implement advanced measures to protect your data, including:

  • Data encryption in transit (TLS/SSL) and at rest
  • Continuous review and updating of our security practices
  • Access controls restricting data access to authorized personnel
  • Secure software development practices
  • Regular security audits and monitoring
  • Secure cookie handling and encrypted data transmission

We continuously upgrade our security practices to prevent unauthorized access. Access to personal data is restricted to authorized personnel who need it for their job functions.

In the event of a data breach, we will notify affected users and relevant authorities as required by law.

9. Disclosure, Retention, and Transfer of Personal Data

Your data is handled with the utmost care and discretion.

Service Providers

We engage third-party companies for tasks like data hosting, analytics, payment processing, and customer support. These providers are bound by strict data protection agreements and confidentiality requirements. Personal data is only shared with service providers as necessary and under confidentiality agreements.

Legal Compliance

We may disclose data in accordance with law enforcement or legal obligations, including court orders, subpoenas, or other legal processes. We comply with major privacy regulations like GDPR and CCPA.

International Data Transfers

As a Canadian company, we primarily store and process data within Canada. However, some of our service providers may be located in other countries. Data may be transferred across state or national borders for processing, in compliance with applicable laws.

When we transfer personal data outside of Canada, we ensure appropriate safeguards are in place to protect your information. For EU/UK users, we ensure adequate protection through Standard Contractual Clauses or adequacy decisions. We comply with applicable cross-border data transfer requirements in all jurisdictions where we operate.

Business Transfers

In the event of a merger, acquisition, or sale of all or part of our business, your personal information may be transferred to the new owner. We will provide notice of such transfer and any choices you may have regarding your information. The new owner will be required to honor the commitments made in this Privacy Policy.

We retain data only as long as necessary for providing our services and as required by law.

10. Your Rights and Choices

As a Dusk AI user, you have certain rights regarding your personal data. Depending on your location, you may have additional rights under applicable privacy laws.

General Rights

  • Access and Update: You can access and update your personal data within your account settings
  • Deletion: You have the right to request the deletion of your data
  • Opt-Out: You may opt out of marketing communications and set preferences for how we contact you
  • Data Portability: Upon request, we can provide your data in a machine-readable format
  • Cookie Preferences: You have the right to control your cookie preferences at any time, including the ability to withdraw consent for optional cookies

Canadian Residents (PIPEDA)

Canadian residents have rights under PIPEDA, including the right to access their personal information and challenge the accuracy of that information.

EU/UK Residents (GDPR/UK GDPR)

EU/UK residents have additional rights under GDPR/UK GDPR, including:

  • Right to access: Request a copy of your personal data
  • Right to rectification: Correct inaccurate or incomplete data
  • Right to erasure: Request deletion of your data (subject to legal requirements)
  • Right to restrict processing: Limit how we use your data
  • Right to data portability: Receive your data in a machine-readable format
  • Right to object: Object to processing based on legitimate interests
  • Right to withdraw consent: For processing based on consent
  • Right to lodge a complaint: With a data protection authority

California Residents (CCPA)

California residents have specific rights under the CCPA, including:

  • The right to request information about data collection
  • The right to opt out of data sales (which we do not engage in)
  • The right to request deletion of personal information
  • The right to non-discrimination for exercising privacy rights

Exercising Your Rights

To exercise your rights, please contact us at privacy@duskai.app. For data protection inquiries from EU/UK residents, please include 'GDPR Request' in your subject line. We will respond to your inquiries within 30 days (or as required by applicable law).

You can also access and modify your cookie settings through your account preferences at Privacy Settings.

11. Automated Decision-Making and AI Processing

We do not use your data for automated decision-making or profiling that has legal or significant effects on you without your explicit consent.

Our AI services process your data to provide recommendations and insights, but these are informational and educational in nature. You always have the final decision-making authority regarding your financial planning.

We do not use your personal financial data or conversations to train our AI models without your explicit consent. We may use anonymized and aggregated data to improve our Services, but this cannot be used to identify you.

12. Children's Privacy

Dusk AI is not intended for children under the age of 13. We do not knowingly collect personal information from children under 13.

If you are a parent or guardian and believe your child has provided us with personal information, please contact us immediately at privacy@duskai.app.

We do not set cookies on devices of users we know to be under 13 years of age. Users between 13 and 18 should have parental consent before using our Services.

If we become aware that we have collected personal information from a child under 13, we will take steps to delete such information promptly.

13. Third-Party Services and Links

Our Services may contain links to third-party websites, applications, or services that are not owned or controlled by us. We are not responsible for the privacy practices of these third parties.

Third-party services we integrate with may include:

  • Payment processors for subscription management
  • Analytics providers for website performance monitoring
  • Content delivery networks for improved performance
  • Customer support platforms
  • Email service providers

These services may collect information about you according to their own privacy policies. We encourage you to review the privacy policies of any third-party services you access through our platform.

Links to Other Websites: Our service may contain links to external websites. We are not responsible for the privacy practices of these external sites.

14. Changes to This Privacy Policy

We may update our Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on this page and updating the 'last updated' date.

You are advised to review this Privacy Policy periodically for any changes. If we make significant changes to how we use cookies or process your data, we will notify you through our cookie consent mechanism and may request renewed consent.

Material changes will be communicated via email to registered users where required by law. Your continued use of our Services after changes are posted constitutes acceptance of the updated policy.

15. Contact Us

If you have any questions about this Privacy Policy, our cookie practices, or wish to exercise your privacy rights, please contact us:

Dusk AI Inc.

Privacy Inquiries: privacy@duskai.app

Support: support@duskai.app

For cookie-specific inquiries or to exercise your cookie preferences, you can also reach us at the same email address.

For data protection inquiries from EU/UK residents, please include 'GDPR Request' in your subject line.

We will respond to your inquiries within 30 days (or as required by applicable law).

Thank you for trusting Dusk AI with your financial planning!