Pathey does not connect to your bank or brokerage, does not collect payment-card or brokerage credentials, does not use advertising trackers, and does not sell personal information. We do collect the information needed to create an account, personalize routes, sync goals, and answer questions through the AI coach.
Scope and summary
This Privacy Policy applies to the Pathey mobile application, this website, and related support or communications (collectively, the “Services”). “Pathey,” “we,” “us,” and “our” refer to the operator of the Services.
Pathey is an informational tool that compares possible routes toward a money goal. Pathey does not hold funds, execute trades, place bets, connect to bank or brokerage accounts, or move money on your behalf.
By using the Services, you acknowledge the practices described here. Where applicable law requires consent for a particular use, we will request it separately.
Information we collect
Account and identity information
When you create an account, our authentication provider, Clerk, processes your email address, account identifier, sign-in credentials or authentication tokens, and any name or profile details you choose to provide. Pathey stores the Clerk account identifier so your data can be associated with your account.
Profile and personalization information
If you complete the optional profile survey, we may collect your age range, country, investing experience, financial goal, approximate investment-amount range, markets of interest, and reason for using Pathey. You may choose “Prefer not to say” or skip the survey.
Goals, preferences, and route inputs
We collect inputs you provide to generate or rank routes, including starting balance, target amount, timeframe, risk tolerance, selected markets, maximum risk level, minimum probability, preferred platforms, savings-goal label, target amount, goal status, and related dates. For signed-in users, quiz answers and savings-goal state are stored both on the device and in our hosted database so they can be restored and synced.
Activity stored on your device
Saved routes, tracked positions, amounts you choose to track, portfolio-history points, route caches, onboarding status, subscription-status flags, notification state, and biometric-lock preference are currently stored locally on your device. Tracked positions are records you enter into Pathey; they do not mean Pathey placed or controls the underlying trade or wager.
AI coach messages
When you ask the AI coach a question, Pathey processes the question together with details of the route you are viewing, such as category, platform, description, price or line, risk level, estimated probability, potential profit, and loss profile.
Device features and technical information
If you enable notifications, Pathey uses your device’s notification system to schedule local reminders and goal or position alerts. Pathey does not currently obtain a remote push-notification token. If you enable Face ID, Touch ID, or device-passcode locking, authentication is performed by your device’s operating system; Pathey receives only whether authentication succeeded and does not receive or store your biometric template.
Our hosting, authentication, database, and API providers may automatically process standard network and security information such as IP address, device or browser type, request timestamps, and server logs. The Pathey website does not currently use advertising or behavioral-analytics cookies. Strictly necessary hosting or access-control technologies may still be used.
Information we do not collect
Pathey does not currently collect bank account numbers, payment-card numbers, brokerage credentials, Social Security numbers, government ID documents, precise location, contacts, photos, microphone recordings, or biometric templates. Pathey does not currently use third-party advertising SDKs or sell personal information.
AI processing and market data
Pathey uses OpenAI’s API to supplement certain route results and to answer AI coach questions. Route-generation prompts may include your starting amount, target, timeframe, risk tolerance, probability threshold, selected market categories, and public market context. Coach prompts include your question and the route details described above. We do not intentionally include your email address, name, Clerk account ID, or authentication credentials in these prompts.
OpenAI processes prompts and responses under its API terms and data controls. OpenAI states that API data is not used to train its models unless the API customer opts in, but abuse-monitoring logs may be retained for a limited period under OpenAI’s policies. Do not enter bank credentials, account numbers, government identifiers, or other highly sensitive information into free-text questions.
Pathey also retrieves public or commercially available market information from third-party data providers and public sources. Those providers generally supply market data to Pathey rather than receive account information from Pathey. Their own websites and platforms are governed by their own privacy policies.
How we use information
- Provide, operate, personalize, and secure the Services.
- Authenticate users and maintain account sessions.
- Generate, filter, score, rank, explain, and save routes.
- Sync quiz answers and savings goals across sessions.
- Schedule device-local reminders and alerts when you request them.
- Respond to support, privacy, and account-deletion requests.
- Diagnose errors, prevent abuse, protect users, and enforce our Terms.
- Comply with legal obligations and protect legal rights.
- Create aggregated or de-identified information that does not reasonably identify you.
We do not use personal information for targeted advertising and do not make decisions producing legal or similarly significant effects solely by automated means.
Retention and deletion
We retain account, profile, quiz, and savings-goal information while your account is active and as reasonably necessary to provide the Services, resolve disputes, enforce agreements, maintain security, and comply with law. Device-local information remains until you clear it, sign out where applicable, delete your account, or uninstall the app.
You can delete your account from Profile → Delete account. The current deletion flow removes your primary Pathey database record and Clerk identity, clears Pathey’s local app storage on that device, signs you out, and cannot be undone. Residual copies may temporarily remain in service-provider backups, security logs, or systems where deletion is not immediate, and may be retained where legally required.
Deleting Pathey does not delete accounts you may have with brokerages, exchanges, prediction markets, sportsbooks, Apple, or other third parties. If paid App Store subscriptions are introduced, deleting your Pathey account may not automatically cancel an Apple subscription; subscription management is controlled through your Apple account.
Your choices and privacy rights
Depending on where you live, you may have rights to access, correct, delete, restrict, object to, or receive a portable copy of personal information, and to withdraw consent where processing is based on consent. You may also have the right to appeal a denied request or complain to a privacy regulator.
- Account deletion: use Profile → Delete account in the app.
- Profile choices: skip optional survey questions or choose “Prefer not to say.”
- Notifications: change permission in your device settings.
- Biometric lock: disable it in Pathey’s Profile settings.
- Other requests: email [email protected] from the address associated with your account.
We may need to verify your identity before completing a request. We will not discriminate against you for exercising a privacy right. Authorized agents may submit requests where permitted by law, subject to verification.
Security and international transfers
We use reasonable administrative, technical, and organizational safeguards designed to protect information, including authenticated API access and device secure storage for session tokens. No method of transmission or storage is completely secure, and we cannot guarantee absolute security.
Pathey and its providers may process information in the United States and other countries that may have different privacy laws than your country. Where required, we rely on legally recognized transfer mechanisms and provider contractual safeguards.
Children
Pathey is intended only for people who are at least 18 years old. We do not knowingly collect personal information from children under 13 or knowingly permit minors to use the Services. If you believe a minor has provided personal information, contact us so we can investigate and delete it as appropriate.
Changes and contact
We may update this Policy as Pathey, its providers, or applicable law changes. We will post the updated date and provide additional notice where required. Materially different uses of information may require new notice or consent.
Questions, privacy requests, or concerns may be sent to [email protected]. Please do not include passwords, authentication codes, bank credentials, or other sensitive financial information in email.