Pivva is an educational financial-coaching application provided by Arts By All ("Pivva," "we," "us," or "our"). This Privacy Policy explains how we collect, use, disclose, retain, and protect information when you use the Pivva mobile or web application, website, and related services.

Pivva is not a bank, payment service, investment adviser, tax adviser, or legal adviser. Pivva does not connect to your bank account, hold funds, move money, or process donations. Financial amounts entered in Pivva are records and planning information supplied by the user.

1. Information we collect

    - Account and profile information

We collect information used to create and manage your account, such as your name, email address, account identifier, birth year or derived age range, employment status, housing information, financial-confidence selections, time zone, and notification preferences.

    - Financial and planning information

We collect information you choose to enter about income, expenses, savings, giving, balances, goals, budgets, planned amounts, confirmed amounts, Missions, and related notes. Giving Reserve is a virtual planning tool; it does not represent funds held or transferred by Pivva.

    - Coach, Voice, and other user content

We collect text you submit to Coach, notes you enter, Mission responses, and other content you provide. If you use Voice, your device’s speech-recognition service converts speech into text. Pivva does not intentionally store a raw audio recording. The resulting transcript is shown as an editable draft and is sent or saved only when you take the relevant review or confirmation action.

    - Device, notification, usage, and diagnostic information

We and our service providers may collect account and device identifiers, notification tokens, installation identifiers, device model, operating-system and app version, language, time zone, IP address, approximate country or region inferred from IP, feature interactions, launch timing, network latency, CPU or memory information, error context, and related diagnostic data. We use this information to operate notifications, secure the service, diagnose problems, understand reliability, and improve app performance.

We do not request precise location, address-book contacts, photos, videos, health data, or payment-card and bank-account credentials as part of Pivva’s current functionality.

2. How we use information

We use information to:

    - create, authenticate, and manage accounts;

    - provide Money Picture, Activity, Giving, Missions, Coach, Journey, and related features;

    - interpret user-confirmed text and generate requested financial education or guidance;

    - send optional service and reminder notifications according to user preferences;

    - synchronize information across supported devices and provide offline-resilient behavior;

    - maintain security, prevent misuse, troubleshoot errors, and measure performance;

    - respond to support requests and communicate about the service; and

    - comply with law and enforce our terms.

We do not sell personal information. We do not use personal information for third-party advertising or to track you across apps or websites owned by other companies.

3. Artificial intelligence

Pivva uses artificial intelligence for Coach and certain user-requested interpretation or classification features. When you use those features, the relevant text, limited conversation context, and instructions needed to provide the feature may be sent to OpenAI for processing.

AI output may be incomplete or incorrect. Review it before relying on it. Pivva’s AI features provide educational guidance and are not professional financial, investment, tax, legal, or emergency advice.

OpenAI states that API data is not used to train its models by default unless the customer opts in. Under standard abuse-monitoring controls, prompts and responses may be retained by OpenAI for up to 30 days.

4. When we share information

We disclose information only as needed to operate, protect, and support Pivva, including to these categories of recipients:

    - Google Firebase and Google Cloud, for authentication, database storage, server functions, push-notification infrastructure, hosting, security, and performance monitoring;

    - OpenAI, for Coach and certain user-requested AI interpretation or classification operations;

    - Apple, for App Store and TestFlight distribution, platform speech recognition, push-notification delivery, and other device services;

    - professional advisers and authorities when reasonably necessary to comply with law, protect rights and safety, or investigate misuse; and

    - a successor organization in connection with a merger, acquisition, financing, reorganization, or sale of assets, subject to applicable law.

Our service providers process information under their own contractual, privacy, and security terms. We do not authorize them to use Pivva data for unrelated advertising.

5. Data retention

We retain account and feature information while your account is active and as reasonably necessary to provide Pivva, maintain security and integrity, resolve disputes, enforce agreements, and meet legal obligations. Retention can differ by data type and operational need.

When you delete your account, Pivva initiates permanent deletion of the account and associated financial activity, Missions, Coach history, settings, and rewards, subject to limited information that we may need to retain for security, fraud prevention, legal compliance, backup-cycle completion, or the establishment, exercise, or defense of legal claims.

Our service providers may apply their own limited retention periods. In particular, OpenAI’s standard API abuse-monitoring controls may retain prompts and responses for up to 30 days unless a different approved data-control setting applies.

6. Your choices and rights

You can:

    - review and update certain account and feature information in Pivva;

    - turn optional Pivva reminders on or off in Settings;

    - change system notification, microphone, and speech-recognition permissions in your device settings;

    - choose whether to submit or save an editable Voice draft;

    - delete your Pivva account in the app; and

    - contact us to request access, correction, deletion, or other rights available under applicable law.

To delete your account, use Settings > Delete Account.  Because deletion is permanent, Pivva will ask you to confirm it.

We may need to verify your identity before fulfilling a privacy request. Some rights depend on your location and may be subject to legal exceptions.

7. Children and younger users

Pivva is intended for people aged 13 and older. We do not knowingly collect personal information from children under 13. If we learn that we collected personal information from a child under 13, we will take appropriate steps to delete it. A parent or guardian who believes a child under 13 provided information may contact us using the details below.

8. Security

We use administrative, technical, and organizational safeguards designed to protect information. No transmission or storage system is completely secure, so we cannot guarantee absolute security. Keep your account credentials confidential and contact us if you suspect unauthorized access.

9. International processing

Pivva and its service providers may process information in the United States and other countries where they operate. Those locations may have data-protection laws that differ from the laws where you live. Where required, we use appropriate legal mechanisms for international transfers.

10. Changes to this policy

We may update this Privacy Policy as Pivva changes. We will post the revised policy with a new effective date and provide any additional notice required by law. Material changes should be reviewed before a new app version or service behavior is released.

11. Contact us

For privacy questions or requests, contact:

Arts By All 

support@artsbyall.com   

https://www.pivva.app/

Effective September 17, 2026