1. Information We Collect
JARVIS (the “App”) collects the following personal information to provide its services:
- Required: Email address, authentication credentials (Google/Apple/Kakao account linkage)
- Optional: Profile name, profile photo
- Automatically collected: Device information (OS, device model), app usage records, FCM push token, advertising identifier (IDFA/AAID) used by AdMob and its mediation partners
2. Purpose of Collection and Use
- User identification and authentication
- Financial management services (budgeting, loans, insurance, investment tracking)
- Schedule management and calendar synchronization
- News recommendation service
- AI chatbot service
- Push notification delivery
3. Retention Period
Personal information is immediately destroyed upon account deletion. However, information may be retained for the period required by applicable laws and regulations.
- Act on the Consumer Protection in Electronic Commerce: records on contracts or subscription withdrawals — 5 years
- Protection of Communications Secrets Act: login records — 3 months
4. Disclosure to Third Parties
The App does not provide personal information to third parties in principle. Exceptions are made only when the user has given prior consent or when required by law.
5. Data Processing Delegation
The App delegates personal data processing to the following service providers:
- Supabase Inc. — Database hosting and authentication services
- Google LLC — Firebase Cloud Messaging (FCM), social login, Gemini Live voice chatbot
- Apple Inc. — Apple Sign-In
- Anthropic PBC — AI chatbot and Premium Report (Claude API)
- OpenAI, L.L.C. — Voice chatbot (Realtime / Whisper API)
- Perplexity AI, Inc. — News discovery (server-side cron only; no user data transmitted)
- Google LLC (AdMob) — Banner and rewarded ads delivered via AdMob Mediation waterfall. When AdMob's own inventory is unavailable, requests fall through to partner SDKs:Each partner receives your advertising identifier, device information, and ad interaction data to deliver and measure ads. On iOS 14.5+ tracking is requested via the App Tracking Transparency (ATT) prompt; declining keeps the app fully functional and ads continue as non-personalized.
5-1. Separate consent for third-party AI services
The Chatbot, Voice Chatbot and Premium Report features send user-provided content, financial summaries and/or live audio streams to third-party AI providers (Anthropic, OpenAI, Google). Before using any of these features for the first time, the App displays an in-app “AI feature consent” screen that lists each provider by name, states the specific data transmitted, and requires the user's explicit opt-in. Declining leaves the rest of the App fully usable. Consent can be withdrawn at any time under Settings > Manage AI feature consent; withdrawal immediately disables the AI features.
- Anthropic (Claude) — Chatbot messages and, for the Premium Report, the user's monthly transaction summary, category totals, budgets and last 6 months of income/expense history. No account numbers, phone numbers, or real names are transmitted.
- OpenAI (Realtime / Whisper) — Voice chatbot real-time audio stream and any text typed in-session.
- Google (Gemini Live) — Fallback voice provider when OpenAI is unavailable; same data scope.
- Perplexity (Sonar Pro) — Invoked only by our backend cron; no user data is transmitted.
Each AI provider retains and deletes data under its own privacy policy; JARVIS does not retain data beyond the model response.
6. User Rights
Users may request access to, correction, deletion, or suspension of processing of their personal information at any time. Requests can be made through the App's Settings > Account Management, or by contacting us at the email below.
7. Data Protection Officer
- Name: SeungUk Kang
- Email: abraxas73@gmail.com
8. Changes to This Policy
This privacy policy may be updated to reflect changes in laws or services. Users will be notified of any changes through in-app notifications.