Effective Date: January 15, 2026
Company: Cubemoney, Inc., a Delaware corporation (“Cube,” “we,” “us”)
Contact: support@cubemoney.io
Introduction
This Privacy Policy describes how Cube collects, uses, shares, and protects information when you use our iPhone application and our website (collectively, the “Services”).
Cube helps groups operate savings circles by automating contribution tracking and coordinating transparent payout schedules. At this time, when a payout is ready, users are notified and instructed to send funds through their Zelle or Venmo accounts. Users are required to upload a payment receipt, which is shared with the payout recipient to help verify authenticity.
Information We Collect
A. Information You Provide
Account and profile information: name, email address, and phone number
Group information: cube name, membership lists, roles (organizer or member), payout schedules, contribution amounts, rules you set, and messages or updates you post
Support and communications: messages sent to support, surveys, bug reports, and feedback
B. Financial and Transaction Information
Payout details: Zelle email address or phone number, or Venmo username
Transaction records within Cube: contributions marked as paid, missed, late, or rescheduled; payout confirmations; timestamps; and associated notes
D. Device and Usage Information
Device details: device identifiers, app version, operating system version, language, and time zone
Usage data: pages or screens viewed, features used, clicks, and crash logs
Approximate location: inferred from IP address (not precise GPS unless permission is granted)
E. Cookies and Similar Technologies (Website)
We may use cookies, pixels, and similar technologies to support website functionality and analytics.
How We Use Your Information
We use information to:
Provide the Services: create and manage accounts, operate cubes, coordinate schedules, and share your Zelle or Venmo payout information with members who need to pay you when you win a cycle
Operate and improve the Services: fix bugs, improve features, measure usage, and test new product flows
Communicate with you: send transactional messages such as payout updates and schedule reminders, respond to support inquiries, and send product updates (you may opt out of marketing communications)
Comply with legal obligations: meet applicable legal requirements and respond to valid legal requests
How We Share Information
Cube does not sell your personal information. We share information only as necessary, as described below.
A. With Your Savings Circle
Members can typically view group-level details such as schedules, contribution status, who has paid, who is late, and payout status, as transparency is a core function of a cube
Organizers may have access to additional operational details for the circles they manage
B. With Service Providers
We use third-party vendors to support the operation of the Services, including cloud hosting and analytics providers. These providers process information only to perform services on Cube’s behalf.
C. For Legal and Safety Reasons
We may share information if we believe it is necessary to:
Comply with applicable laws, regulations, or court orders
Investigate fraud, security issues, or abuse
Protect the rights, safety, and property of Cube, our users, or others
D. Business Transfers
If Cube is involved in a merger, acquisition, or sale of assets, information may be transferred as part of that transaction, subject to appropriate safeguards.
Your Choices and Controls
Account information: You may update certain profile details within the app
Marketing communications: You may opt out of promotional emails, though service-related messages may still be sent
Permissions: You can control device permissions such as notifications, contacts (if enabled), and camera access (if used for verification)
Account deletion: You may request account deletion by contacting support@cubemoney.io
Data Retention
We retain information for as long as necessary to:
Provide the Services
Maintain accurate cube histories for transparency and dispute resolution
Comply with legal, accounting, and risk requirements
When information is no longer needed, we delete or de-identify it, subject to applicable legal retention requirements.
Security
We use reasonable administrative, technical, and physical safeguards designed to protect your information. However, no system is completely secure. You are responsible for using a strong password and protecting access to your device.
Children’s Privacy
U.S. State Privacy Rights
Depending on your state of residence (such as California or Virginia), you may have rights to access, correct, delete, or obtain a copy of your personal information, and to opt out of certain data processing activities. Requests can be submitted to support@cubemoney.io. We may verify your identity before fulfilling a request.
International Users
If you access the Services from outside the United States, your information may be processed in the United States, where Cube and its service providers operate.
Changes to This Policy
We may update this Privacy Policy from time to time. If changes are material, we will provide notice through the app or by email. The “Effective Date” above reflects the most recent update.