Privacy Policy

Welcome to Psyoniq Financial ("Psyoniq," "we," "us," or "our"), a financial wellness and behavioral financial performance platform wholly owned and operated by NSS Projects, LLC ("NSS Projects").

NSS Projects, LLC is the legal entity responsible for the ownership and operation of Psyoniq Financial and, subject to applicable law, the collection, use, processing, disclosure, and protection of personal information through the platform.

Psyoniq Financial provides digital financial wellness, financial management, educational, and behavioral performance tools designed to help individuals improve their financial habits, strengthen their financial decision-making, and pursue long-term financial well-being.

We recognize that financial information is highly personal. Protecting your privacy and maintaining the confidentiality and security of your information are fundamental priorities.

This Privacy Policy explains how NSS Projects, LLC, through Psyoniq Financial, collects, uses, discloses, retains, and protects personal information when you visit our website, create an account, use our financial management tools, participate in assessments, or otherwise interact with our services.

By using Psyoniq Financial, you acknowledge that you have been provided this Privacy Policy. Where required by applicable law, we will obtain your consent for specific processing activities.

This Privacy Policy applies to personal information processed by NSS Projects, LLC in connection with:

• The Psyoniq Financial website at psyoniqfinancial.com.
• Registered user accounts and financial dashboards.
• Budgeting, expense tracking, and debt management tools.
• Financial assessments and behavioral questionnaires.
• Financial goals, investment tracking, and performance reports.
• Educational resources, financial coaching, and related communications.
• Authorized third-party financial account connections, where available.

This policy applies to Psyoniq Financial services operated by NSS Projects, LLC. It does not automatically apply to unrelated NSS Projects business activities or independent third-party services.

Depending on the services you use, NSS Projects, LLC, through Psyoniq Financial, may collect the following categories of information.

A. Personal Identification Information

• Full name.
• Email address.
• Telephone number.
• Mailing address, if provided.
• Account username and authentication information.
• User preferences and account settings.

B. Financial Information

Information you voluntarily provide or authorize us to access may include:

• Income and employment-related financial information.
• Bank and financial account balances.
• Financial transactions and spending categories.
• Savings and investment information.
• Credit card balances and payment information.
• Loans, debts, and other financial obligations.
• Household budgets and recurring expenses.
• Assets, liabilities, and estimated net worth.
• Financial goals and progress toward those goals.

We collect financial information only as reasonably necessary for the services offered, consistent with applicable law.

C. Financial Behavioral Information

Psyoniq may collect information relating to financial behaviors and decision-making, including:

• Financial habits and spending patterns.
• Budgeting consistency and savings discipline.
• Financial knowledge and self-assessment responses.
• Responses to financial behavioral questionnaires.
• Financial goal-setting and progress.
• Responses to educational recommendations and behavioral prompts.
• Engagement with financial improvement activities.

We may use this information to develop personalized financial insights, behavioral assessments, performance indicators, and recommendations.

D. Technical and Usage Information

When you interact with our website or services, we may automatically collect:

• Internet Protocol (IP) address.
• Browser type and operating system.
• Device identifiers and device information.
• Pages visited and features used.
• Session activity and timestamps.
• Diagnostic and error information.
• Cookie identifiers and similar tracking information.

E. Communications

We may retain information you provide when contacting customer support, completing surveys, submitting feedback, or communicating with Psyoniq.

We may collect information:

• Directly from you: When you register, complete assessments, enter financial data, set goals, or communicate with us.
• Automatically: Through website functionality, server logs, cookies, and similar technologies.
• Through authorized integrations: When you expressly authorize connections to financial institutions or other third-party services.
• From service providers: When vendors assist with authentication, payments, security, analytics, or other authorized business functions.

NSS Projects, LLC may process personal information collected through Psyoniq Financial for the following purposes:

A. Delivering Financial Management Services

To provide budgeting tools, track financial transactions, monitor savings, analyze debts, calculate financial ratios, and generate financial reports.

B. Financial Behavioral Assessments

To evaluate financial habits, identify potential areas for improvement, and provide personalized educational guidance.

C. Financial Performance Measurement

To calculate financial performance indicators and assess progress over time using information supplied by or authorized by users.

D. Personalization

To tailor educational materials, recommendations, notifications, dashboards, and financial improvement activities to individual needs and goals.

E. Account Administration

To create and maintain accounts, authenticate users, process authorized transactions, provide customer support, and communicate service-related information.

F. Platform Improvement

To analyze service performance, identify errors, improve usability, evaluate features, and develop new functionality.

G. Security and Legal Compliance

To prevent fraud, investigate misuse, protect accounts, enforce our agreements, and comply with applicable legal obligations.

H. Marketing Communications

To send promotional communications where permitted by law and subject to applicable consent and opt-out requirements.

Users may unsubscribe from promotional emails through the instructions included in those messages.

Psyoniq may offer integrations with financial institutions through third-party financial data connectivity providers, including Plaid or similar services.

If you choose to connect a financial account:

• You will be asked to authorize the connection through the applicable provider.
• The provider may access financial account information according to your authorization.
• Psyoniq and NSS Projects, LLC may receive account information, balances, transaction histories, and other authorized financial data.
• Information received may be used to provide budgeting, financial analysis, reporting, and personalized insights.
• Where applicable, the financial connectivity provider's privacy policy and terms will also govern its handling of information.

Disconnecting a financial institution may stop future access to information through that connection. Previously collected information may remain subject to Psyoniq's applicable retention policies and legal obligations.

Before enabling financial integrations, NSS Projects, LLC will describe the actual account-connection provider, credential-handling practices, and available disconnection controls within the product.

Psyoniq may use mathematical models, statistical analysis, behavioral science principles, and automated processing to generate financial insights.

These activities may include:

• Categorizing financial transactions.
• Identifying spending and savings patterns.
• Evaluating financial habits.
• Calculating financial health or performance indicators.
• Identifying progress toward financial goals.
• Generating educational recommendations and behavioral reminders.

These insights are intended to support users in understanding and managing their finances.

Automated insights may be incomplete or inaccurate and should not be treated as guarantees of financial outcomes.

Where applicable law provides rights concerning profiling or automated decisions, NSS Projects, LLC will honor those rights.

Psyoniq may use artificial intelligence, machine learning, or other automated technologies to support financial categorization, analytics, personalized education, and user assistance.

Where these technologies are deployed, NSS Projects, LLC will evaluate their privacy and security implications and apply appropriate contractual and technical safeguards.

We will disclose material uses of sensitive financial information by external AI providers and obtain consent where legally required.

We will not represent AI-generated recommendations as guaranteed, individualized professional financial advice.

NSS Projects, LLC may disclose personal information collected through Psyoniq Financial to the following categories of recipients when reasonably necessary and permitted by law.

A. Technology and Service Providers

Vendors providing hosting, cloud infrastructure, authentication, customer support, analytics, payment processing, and cybersecurity services.

B. Authorized Financial Data Providers

Financial institutions, account-connectivity services, and related providers involved in connections authorized by users.

C. Professional Advisers

Attorneys, accountants, auditors, and other professional advisers where reasonably necessary for legitimate business and legal purposes.

D. Legal and Regulatory Authorities

Government agencies, regulators, courts, or law enforcement when required by applicable law or valid legal process.

E. Business Transactions

Parties involved in a merger, acquisition, financing, reorganization, or sale of NSS Projects, LLC, Psyoniq Financial, or relevant business assets, subject to applicable confidentiality, security, and legal requirements.

F. At Your Direction

Third parties to whom you expressly authorize disclosure.

NSS Projects, LLC will not disclose personal financial information collected through Psyoniq Financial to unaffiliated third parties for their independent marketing purposes without satisfying applicable consent, notice, and opt-out requirements.

Any sale, sharing for cross-context behavioral advertising, or other regulated disclosure of personal information will be subject to applicable privacy laws and any required consumer choices.

Information collected through Psyoniq Financial will not automatically be available for unrelated business activities conducted by NSS Projects, LLC. Any such use must be consistent with this policy and applicable law.

Psyoniq may use cookies and similar technologies to:

• Maintain user sessions.
• Support authentication.
• Remember preferences.
• Analyze website performance.
• Detect security threats.
• Improve functionality and user experience.

Where applicable, users may manage nonessential cookies through a cookie preference mechanism or browser settings.

Certain cookies may be necessary for core website functions.

If advertising or nonessential analytics technologies are deployed, NSS Projects, LLC will provide any disclosures and consent or opt-out mechanisms required by law.

NSS Projects, LLC recognizes the sensitive nature of personal financial information and is committed to implementing reasonable administrative, technical, and organizational safeguards appropriate to the information processed and associated risks.

Such measures may include, where implemented:

• Encryption of information in transit and at rest.
• Access controls and authentication safeguards.
• Restricted access to sensitive financial information.
• Monitoring for unauthorized activity.
• Secure software development practices.
• Vendor security assessments.
• Incident response procedures.
• Periodic security reviews.

No website, application, or electronic storage system can guarantee absolute security.

Users are responsible for maintaining the confidentiality of their account credentials and notifying Psyoniq of suspected unauthorized account activity.

NSS Projects, LLC will provide legally required notifications concerning qualifying security incidents.

NSS Projects, LLC retains personal information collected through Psyoniq Financial for periods reasonably necessary to:

• Provide requested services.
• Maintain active user accounts.
• Fulfill contractual obligations.
• Meet applicable legal and regulatory requirements.
• Resolve disputes.
• Prevent fraud and security incidents.
• Establish, exercise, or defend legal claims.

Retention periods may differ depending on the category of information, the purpose of processing, and applicable legal obligations.

When information is no longer reasonably required, NSS Projects, LLC will delete, deidentify, or otherwise securely dispose of it, subject to lawful retention exceptions.

Depending on your place of residence and applicable law, you may have rights to:

• Request access to personal information held about you.
• Request correction of inaccurate information.
• Request deletion of certain personal information.
• Obtain a portable copy of eligible information.
• Withdraw consent for processing based on consent.
• Opt out of certain targeted advertising, sales, or profiling activities.
• Appeal certain privacy request decisions.
• Limit certain uses of sensitive personal information where legally required.

These rights may be subject to verification, statutory exceptions, and other legal limitations.

NSS Projects, LLC will not unlawfully discriminate against users for exercising their privacy rights.

To submit a privacy request concerning Psyoniq Financial, contact us using the information in Section 20.

Psyoniq believes users should have meaningful control over their personal financial information.

Where supported by the service, users may:

• Update financial profile information.
• Modify financial goals and preferences.
• Manage connected financial institutions.
• Request account closure.
• Request deletion of eligible personal information.
• Manage applicable communications and privacy preferences.

Account closure or disconnection does not necessarily require immediate deletion of information that must be retained for lawful purposes.

Psyoniq Financial is intended for adults aged 18 years and older.

Our services are not directed toward children under 18, and we do not knowingly solicit personal financial information from minors.

If NSS Projects, LLC becomes aware that personal information has been collected from a child in circumstances prohibited by applicable law, we will take appropriate steps to delete the information.

Parents or guardians who believe a minor has provided personal information may contact us using the information below.

Residents of certain U.S. states may have additional rights under applicable consumer privacy laws.

These rights may include access, correction, deletion, portability, opt-out rights, and protections relating to sensitive information.

NSS Projects, LLC will provide additional state-specific notices and mechanisms where required.

Certain personal information regulated by federal financial privacy laws may be exempt from some state consumer privacy law provisions. The applicability of any exemption depends on the information, entity, and governing law.

Psyoniq Financial is primarily intended for users in the United States unless otherwise expressly stated.

If NSS Projects, LLC makes Psyoniq services available to individuals in other jurisdictions, additional privacy disclosures, legal bases for processing, transfer safeguards, and data protection rights may apply.

Personal information may be processed in the United States or other locations where authorized service providers operate, subject to applicable legal requirements.

Our website may contain links to third-party websites, financial institutions, educational resources, and other services.

Neither Psyoniq Financial nor NSS Projects, LLC controls the privacy practices of independent third parties.

Users should review the privacy policies of third-party services before providing personal information.

NSS Projects, LLC may revise this Privacy Policy to reflect changes in Psyoniq Financial's services, technology, business operations, or legal obligations.

When we make material changes, we will provide notice as required by applicable law.

The revised policy will identify its effective or last-updated date.

Where legally required, we will obtain consent before applying materially different processing practices to previously collected information.

Psyoniq Financial is wholly owned and operated by NSS Projects, LLC.

For questions, concerns, or requests concerning this Privacy Policy or the processing of personal information, please contact:

Please include sufficient information to identify your request. Do not send passwords, complete bank account numbers, or other unnecessary sensitive information through ordinary email.

NSS Projects, LLC will review and respond to verified privacy requests within the periods required by applicable law.

At Psyoniq Financial, a wholly owned business of NSS Projects, LLC, we believe that improving financial performance should not come at the expense of personal privacy.

Our objective is to provide users with meaningful financial insights, tools, and education while respecting their control over personal information.

Your financial information deserves responsible stewardship. Your trust matters.