Molecule - Privacy Policy

1. Introduction

Molecule ("we," "our," or "us") is a personal finance application operated by Sirca Ltd. We are committed to protecting your privacy. This policy describes how we collect, use, and protect information when you use Molecule.

2. Information We May Collect

Depending on how you use Molecule, we may collect or process:

• •Information you provide (for example, profile or account details you choose to enter in the app)
• •Financial information you input or connect (for example, amounts, goals, or linked accounts if such features are offered and you enable them)
• •Technical and usage data (for example, device type, app version, and limited analytics to improve stability and features)

The specific categories collected depend on the version of the app and features you use. We will request consent where required by law before accessing sensitive data or optional capabilities.

3. How We Use Information

We use information to:

• •Provide, maintain, and improve Molecule
• •Deliver features you choose to use (such as insights or reminders)
• •Communicate about the service where appropriate
• •Comply with legal obligations

4. Payment Processing

If you purchase a subscription or in-app purchase, payment is processed by Apple via In-App Purchase. We do not receive your full payment card number from Apple. Apple's privacy policy governs how your payment information is handled for those transactions.

You can manage or cancel subscriptions through your Apple ID settings.

5. Third-Party Services

Molecule may rely on service providers (for example, hosting or analytics) to operate the app. We require them to protect your information appropriately. The app is distributed through the Apple App Store.

Apple's privacy policy is available at: apple.com/legal/privacy

6. Data Retention and Security

We retain information only as long as necessary to provide the service and meet legal requirements. We use appropriate technical and organisational measures to protect your data.

You may delete the app from your device; depending on the feature set, some data may remain on our systems until you request deletion as described below.

7. Children's Privacy

Molecule is not directed at children under 13 (or the minimum age in your jurisdiction). We do not knowingly collect personal information from children. If you believe we have collected such information, contact us and we will take appropriate steps to delete it.

8. International Users

If you use Molecule from outside the United Kingdom, your information may be processed in the UK or other countries where we or our service providers operate, subject to applicable law and safeguards.

9. Export and Sharing

We do not sell your personal information. We may share information with service providers who assist us in operating the app, when required by law, or to protect our rights and users' safety, as permitted by law.

10. Your Rights

Depending on your location, you may have rights to access, correct, delete, or restrict processing of your personal data, or to object to certain processing. To exercise these rights, contact us at info@sirca.io.

To cancel subscriptions: iPhone Settings → [Your Name] → Subscriptions → Molecule

11. California Privacy Rights (CCPA)

California residents may have additional rights regarding personal information. Contact us at info@sirca.io to make a request. We will respond as required by applicable law.

12. European Privacy Rights (GDPR)

If you are in the European Economic Area or UK, you may have rights under GDPR or UK GDPR, including access, rectification, erasure, restriction, portability, and objection. Contact info@sirca.io to exercise these rights.

13. Changes to This Policy

We may update this Privacy Policy from time to time. We will post the updated policy on this page and, where appropriate, notify you through the app or other reasonable means.

14. Contact Us

Questions about this privacy policy?

• •Email: info@sirca.io
• •Website: sirca.io
• •Address: 128 City Road, London, EC1V 2NX