Privacy Policy

This Privacy Policy describes how Lovins Financial LLC ("we," "our," or "us"), operating the Rung website at rungmoney.com, collects, uses, and shares information about you when you use our website and related services (the "Service").

By using Rung, you agree to the collection and use of information in accordance with this policy. If you do not agree, please do not use the Service.

1. Information We Collect

Information you provide to us

• Account information: When you create an account, we collect your email address and password (encrypted).
• Quiz and roadmap data: Answers to our onboarding quiz, your financial goals, your progress through the 13 moves, and any information you enter into our tools (e.g. budget inputs, credit card preferences, savings goals).
• Communications: If you email us or sign up for our newsletter, we collect your email address and any content you include in your message.

Information collected automatically

• Usage data: Pages you visit, features you use, time spent on the Service, and interactions with our content.
• Device and log data: IP address, browser type, operating system, device identifiers, and referring URLs.
• Cookies and similar technologies: We use cookies and local storage to keep you logged in, remember your preferences, and understand how you use the Service. See the Cookies section below.

2. How We Use Your Information

We use the information we collect to:

• Provide, maintain, and improve the Service
• Personalize your financial roadmap and recommendations
• Send you reminders, updates, and newsletter content you've opted into
• Respond to your questions and support requests
• Analyze usage patterns to improve Rung
• Detect, prevent, and address fraud, security issues, and technical problems
• Comply with legal obligations

3. Cookies and Tracking

We use cookies and similar technologies for:

• Essential cookies: Required for the Service to function (authentication, session management).
• Analytics cookies: We use Google Analytics to understand how visitors use Rung. Google may use this data subject to its own privacy policy.

You can control cookies through your browser settings. Blocking essential cookies may prevent the Service from working properly.

4. Third-Party Services

We share information with trusted third parties who help us operate the Service:

• Supabase — hosts our database and handles user authentication. See Supabase's privacy policy.
• Google Analytics — provides usage analytics. See Google's privacy policy.
• Email provider — if you sign up for our newsletter or reminders, we use a third-party email service to send messages. You can unsubscribe at any time.

We do not sell your personal information to third parties.

5. How We Share Information

We share information only in the following circumstances:

• With service providers who help us operate the Service (as described above)
• To comply with the law or valid legal requests (subpoenas, court orders)
• To protect our rights or the safety of our users or the public
• In connection with a business transfer (merger, acquisition, sale of assets), in which case we'll notify you
• With your consent for any other purpose

6. Your Rights and Choices

You have the following rights regarding your personal information:

• Access: Request a copy of the information we have about you
• Correction: Update inaccurate or incomplete information
• Deletion: Request that we delete your account and data
• Opt-out: Unsubscribe from marketing emails at any time (using the unsubscribe link in any email)
• Portability: Receive your data in a machine-readable format

To exercise any of these rights, email us at lovinsnp@gmail.com. We'll respond within a reasonable timeframe (typically 30 days).

California residents (CCPA)

California residents have additional rights under the California Consumer Privacy Act, including the right to know what personal information we collect, the right to delete personal information, and the right to opt out of the sale of personal information. We do not sell personal information.

European residents (GDPR)

If you are in the European Economic Area, you have additional rights under the General Data Protection Regulation, including the right to object to processing and the right to lodge a complaint with a supervisory authority.

7. Data Security

We take reasonable measures to protect your information, including encryption of passwords and secure HTTPS connections. However, no method of transmission or storage is 100% secure, and we cannot guarantee absolute security.

8. Data Retention

We retain your information for as long as your account is active or as needed to provide the Service. If you delete your account, we'll delete your personal information within 30 days, except where we're required to retain it by law.

9. Children's Privacy

Rung is intended for users 18 years of age and older. We do not knowingly collect personal information from children under 13. If we learn we've collected personal information from a child under 13, we'll delete it. If you believe a child under 13 has provided us with personal information, please contact us.

10. Changes to This Policy

We may update this Privacy Policy from time to time. If we make material changes, we'll notify you by email or by posting a notice on the Service before the changes take effect. The "Last updated" date at the top reflects the most recent revision.

11. Contact Us

If you have questions about this Privacy Policy or your information, please contact us at:

Email: lovinsnp@gmail.com
Entity: Lovins Financial LLC
Location: Florida, United States