This Privacy Policy describes how Learn Guidance and Control LLC, which operates Trajecti ("Trajecti," "we," "our," or "us"), collects, uses, discloses, stores, and protects information when you access or use the Trajecti application, website, and related services (collectively, the "Services"). This policy also explains your choices regarding your information. Additional provisions in this Privacy Policy apply to participants in testing programs, where indicated.
1. INFORMATION WE COLLECT
To operate the Services and provide financial guidance, Trajecti collects the following categories of information:
Account Information: Information used to create, maintain, and secure your account, including your name, email address, user ID, authentication identifiers, sign-in provider information, account preferences, and records of your acceptance of legal agreements. Trajecti does not collect or store passwords used with third-party authentication providers.
User-Provided Financial Information: Financial information that you provide directly through the Services or, where available and authorized by you, through connected financial accounts or third-party financial service providers. This may include financial goals, budgets, spending records, transaction information, categories, notes, workspace information, and other financial information you choose to provide.
Workspace Information: Information associated with shared workspaces, including workspace membership, invitations, user roles, permissions, shared financial information, and other collaboration-related information.
Application-Generated Information: Information generated by Trajecti based on User-Provided Financial Information, your use of the Services, and other information available to the application. This may include financial guidance, projections, forecasts, recommendations, analyses, alerts, progress indicators, summaries, and other informational outputs generated by the Services.
Internal Guidance Data: Internal application information used to generate, maintain, operate, validate, and deliver Application-Generated Information. This may include application state information, configuration information, scheduling and automation information, processing metadata, diagnostic records, and other operational information used by the Services.
Technical and Usage Information: Information relating to your access to and use of the Services, including device information, application activity, performance data, diagnostic information, crash reports, log data, and other technical information generated through operation of the Services.
Support Communications: Information you voluntarily provide when contacting Trajecti for support, reporting bugs, submitting feedback, or otherwise communicating with us, including correspondence and any information or files you choose to provide.
2. HOW WE USE YOUR INFORMATION
Trajecti uses the information we collect for the following purposes:
Provide and Operate the Services: To create and maintain user accounts; authenticate users; process User-Provided Financial Information; generate, maintain, and deliver Application-Generated Information; support shared workspaces; personalize financial guidance; and otherwise provide, operate, and improve the Services.
Maintain, Validate, and Improve the Services: To diagnose and troubleshoot issues; investigate errors; validate application behavior and calculations; repair data; maintain backups; monitor system health, reliability, and performance; develop, test, refine, and improve algorithms, guidance methodologies, statistical models, machine learning models, behavioral models, and other computational techniques; personalize and improve Application-Generated Information; develop new functionality; and improve the overall quality, reliability, effectiveness, and user experience of the Services.
Communicate With You: To respond to support requests; answer questions; provide technical assistance; send service-related communications; notify you of important updates or changes to the Services; and otherwise communicate with you regarding your account or use of the Services.
Protect the Services: To authenticate users; enforce access controls; detect, investigate, and help prevent unauthorized access, fraud, abuse, misuse, security incidents, or other activity that may affect the security, integrity, availability, or proper operation of the Services.
Comply With Legal Obligations: To comply with applicable laws, regulations, legal processes, governmental requests, or court orders; enforce our legal agreements; resolve disputes; establish, exercise, or defend legal claims; and protect the rights, property, safety, security, and integrity of Trajecti, our users, and others.
In carrying out these purposes, Trajecti may use User-Provided Financial Information, Application-Generated Information, Internal Guidance Data, Technical and Usage Information, Workspace Information, Support Communications, and other information collected through the Services, as described in this Privacy Policy and as permitted by applicable law.
3. TESTING, SUPPORT, AND AUTHORIZED ACCESS
To operate, support, maintain, secure, validate, and improve the Services, authorized Trajecti personnel may access User-Provided Financial Information, Workspace Information, Application-Generated Information, Internal Guidance Data, Technical and Usage Information, and Support Communications when reasonably necessary to perform their responsibilities.
During testing programs, this access may include reviewing user information to diagnose and troubleshoot issues, investigate errors, validate application behavior and calculations, repair data, verify system performance, respond to support requests, monitor the safety, reliability, and integrity of the Services, develop and improve application functionality, and support the continued development of Trajecti.
While Trajecti treats user information as confidential and limits access to authorized personnel and service providers with a legitimate business or operational need, information submitted through the Services should not be considered inaccessible to authorized Trajecti personnel during testing programs.
Trajecti uses reasonable administrative, technical, and operational measures to limit access to user information and to protect its confidentiality, integrity, and availability.
4. AGGREGATED, ANONYMIZED, AND DE-IDENTIFIED INFORMATION
Trajecti may create aggregated, anonymized, or de-identified information from information collected through the Services. This information may be used to evaluate product performance, understand usage trends, validate application behavior, improve algorithms and guidance methodologies, develop new features, conduct research, support business operations, and for other lawful purposes.
Trajecti will not intentionally use aggregated, anonymized, or de-identified information to publicly identify an individual user.
5. INFORMATION SHARING AND DISCLOSURE
Trajecti does not sell User-Provided Financial Information or Personal Information collected through the Services. Trajecti does not share user information with third parties for their advertising or marketing purposes.
We may share information collected through the Services only in the following circumstances:
Service Providers: With third-party service providers that assist in operating, maintaining, securing, supporting, or improving the Services, including providers of authentication, cloud hosting, data storage, communications, monitoring, analytics, payment processing (when available), and other infrastructure or operational services. These providers receive only the information reasonably necessary to perform their services on our behalf.
Shared Workspaces: Information may be shared with other authorized members of a shared workspace in accordance with the collaboration features of the Services. Depending on the version and configuration of the Services, authorized workspace members may be able to invite additional users, access, modify, or contribute to shared workspace information. Collaboration features and available permission controls may change as the Services evolve.
Legal Requirements and Protection: When we believe disclosure is reasonably necessary to comply with applicable laws, regulations, legal processes, governmental requests, or court orders; enforce our legal agreements; investigate or respond to suspected fraud, abuse, or security incidents; or protect the rights, property, safety, security, or integrity of Trajecti, our users, or others.
With Your Direction or Consent: When you request, authorize, or otherwise consent to the sharing of your information.
Trajecti may also disclose aggregated, anonymized, or de-identified information that does not intentionally identify an individual user.
6. DATA STORAGE AND SECURITY
Trajecti utilizes third-party cloud infrastructure and service providers to store, process, transmit, and maintain information collected through the Services.
Trajecti uses reasonable administrative, technical, and operational safeguards designed to protect the confidentiality, integrity, and availability of information collected through the Services. These safeguards may include authentication, authorization, access controls, monitoring, backups, and other security measures appropriate to the operation of the Services.
Despite these safeguards, no electronic storage system, network, cloud service, software application, or method of electronic transmission can be guaranteed to be completely secure. Accordingly, Trajecti cannot guarantee the absolute security of information collected through the Services.
7. DATA RETENTION AND ARCHIVING
Trajecti retains information collected through the Services for as long as reasonably necessary to provide, operate, maintain, support, secure, validate, and improve the Services; fulfill the purposes described in this Privacy Policy; comply with applicable laws, regulations, legal obligations, and contractual requirements; resolve disputes; enforce our legal agreements; protect the rights, property, safety, security, and integrity of Trajecti, our users, and others; and establish, exercise, or defend legal claims.
As Planning Horizons or other periods of user activity are completed, information may be transitioned from active systems to archived records. Archived information may remain available to users through the Services, where supported, and may continue to be used by Trajecti for historical analysis, validation of application behavior, product development, algorithm improvement, machine learning, personalization, research, and other purposes described in this Privacy Policy.
When information is deleted from active systems, residual copies may remain for a limited period in backups, logs, archives, disaster recovery systems, or other operational records until they are deleted or overwritten in the ordinary course of business.
Where appropriate, Trajecti may create and retain aggregated, anonymized, or de-identified information derived from information collected through the Services. Because this information is not intended to identify an individual user, Trajecti may retain and use it indefinitely for research, product development, algorithm improvement, machine learning, statistical analysis, historical analysis, validation of application behavior, and other lawful business and operational purposes.
8. YOUR CHOICES, DATA RIGHTS, AND ACCOUNT DELETION
You may stop using the Services at any time. Subject to applicable law, you may also request deletion of your account and User-Provided Financial Information by contacting Trajecti at support@truecourseguidance.com from the email address associated with your account or by using the account deletion resources made available through the Services.
Upon receiving a valid deletion request, Trajecti will make reasonable efforts to delete or de-identify your information from active systems within a reasonable period, subject to legal obligations, contractual requirements, security needs, dispute resolution, fraud prevention, operational requirements, and the legitimate operation of the Services.
Certain information may be retained after account deletion, including information contained in backups, logs, archives, disaster recovery systems, or other operational records until such information is deleted or overwritten in the ordinary course of business.
If you participate in a shared workspace, information that has been shared with other authorized workspace members may remain available to those members as necessary to preserve the integrity, continuity, and history of the workspace or as otherwise required for the operation of the Services.
Aggregated, anonymized, or de-identified information that is not intended to identify an individual user may continue to be retained and used as described in this Privacy Policy.
9. CHILDREN'S PRIVACY
The Services are intended for use by individuals who are at least eighteen (18) years of age. Trajecti does not knowingly collect Personal Information directly from individuals under the age of eighteen (18).
If we become aware that Personal Information has been collected directly from an individual under the age of eighteen (18) in a manner not intended or permitted by the Services or applicable law, we will take reasonable steps to delete or otherwise address such information as required by applicable law.
If you believe that an individual under the age of eighteen (18) has provided Personal Information through the Services, please contact us at support@truecourseguidance.com.
10. CHANGES TO THIS PRIVACY POLICY
Trajecti may update this Privacy Policy from time to time to reflect changes to the Services, applicable laws, business practices, or other operational, legal, or regulatory requirements.
When we make changes, we will update the Effective Date at the beginning of this Privacy Policy. Updated versions may be made available through the Services, on our website, by email, or by another reasonable method, as appropriate.
Your continued use of the Services after an updated Privacy Policy becomes effective constitutes your acknowledgment of the revised Privacy Policy, except where additional notice or consent is required by applicable law.
11. CONTACT
If you have questions, comments, or requests regarding this Privacy Policy or Trajecti's privacy practices, please contact us at:
Email: support@truecourseguidance.com
Additional contact information may be made available through the Services or on our website.