Account AB™ Privacy Policy

We may collect information that you provide directly to us, information generated through your use of Account AB, and certain technical information collected automatically.

Account Information

When you create or manage an account, we may collect:

• Username
• Display name
• Email address
• Profile photo
• Bio
• Account preferences
• Membership status
• Account creation date
• Authentication information

If third-party sign-in is supported, such as Google or Apple sign-in, we may receive limited account information from that provider according to your settings and the provider’s policies.

Depending on the features you use, your Account AB profile may include:

• Profile image
• Username
• Bio
• Followers
• Following
• Insight XP
• Badges
• Achievements
• Public activity
• Circle memberships where publicly visible
• Other profile information you choose to provide

You control much of the information you choose to make public.

Information you intentionally make public may be viewed by other Account AB users.

When you use the Accountability Feed or other community features, we may collect content such as:

• Situations you post
• Titles and descriptions
• Categories
• Votes
• Severity ratings
• Accountability votes
• Comments and replies
• Reactions
• Outcome Updates™
• Community feedback
• Reports
• Saved content

If you post anonymously, Account AB may still retain an internal connection between the post and your account for purposes such as moderation, security, ownership controls, editing, Outcome Updates, and abuse prevention. Anonymous posting means your identity is hidden from other users according to the feature’s design; it does not mean that Account AB necessarily has no technical record linking the content to your account.

When you participate in Accountability Circles™, we may process information including:

• Circle memberships
• Circle posts
• Chat messages
• Voice notes
• Videos
• Photos and media
• Polls
• Quizzes
• Events
• Shared Goals™
• Progress Tracking™
• Check-ins
• Member activity
• Reactions
• Leader actions
• Invitations

Private Circles are restricted according to Account AB’s access controls. However, no online community can guarantee that another member will not copy, screenshot, record, or independently disclose content they can access. Please use appropriate judgment when sharing sensitive information.

If Account AB offers direct messaging, we may store and process:

• Message content
• Sender and recipient information
• Message timestamps
• Voice notes
• Media attachments
• Reactions
• Read status
• Reports or moderation-related information

Direct messages are intended for the participating users, subject to Account AB’s security, moderation, legal, and operational needs.

Account AB may provide private reflection features such as Journal™ and Deep Release™. These may include:

• Journal entries
• Guided prompt responses
• Selected reflection categories
• Optional mood selections
• Saved drafts
• Entry dates
• Personal reflections
• AI-generated reflection summaries if you choose to use those features

Journal and Deep Release content are private by default unless you deliberately choose to share content through another Account AB feature. We do not automatically publish Journal entries to your profile, Accountability Feed, or Circles. Because journal content may be personal, we encourage users not to include information they would not be comfortable storing with an online service.

If you use Self Discovery Center™ or similar features, we may process:

• Assessment answers
• Preferences
• Scores
• Results
• Saved insights
• Progress
• Completion history

These features are intended for informational and self-reflection purposes. They are not medical or psychological diagnoses.

Account AB may use artificial intelligence to provide features such as:

• AI Reality Check Reports™
• Valori™ responses
• Situation summaries
• Suggested prompts
• Self-reflection assistance
• Journal reflections
• Community summaries
• Suggested next steps
• Other automated insights

When you use an AI feature, information you submit may be processed by Account AB and, where applicable, third-party AI service providers necessary to generate the requested response. We may process your prompt, relevant situation content, selected responses, context necessary to provide the feature, AI output, and technical metadata. We aim to share only information reasonably necessary to provide the AI feature. Do not submit highly sensitive personal information to AI tools unless it is necessary and you are comfortable doing so.

Account AB’s AI tools are intended to assist with reflection, perspective, organization, and communication. They are not intended to make legally binding decisions about users involving areas such as employment, credit, housing, insurance, education admission, legal status, or medical treatment. AI outputs should not be treated as professional determinations.

If you purchase Premium memberships, Community Leader plans, AI Reality Check Reports™, or other paid features, payments may be processed by a third-party payment provider. Account AB may receive information such as:

• Payment status
• Transaction ID
• Subscription plan
• Billing status
• Renewal date
• Last four digits of a payment method where provided by the processor
• Refund status

Account AB does not need to directly store full credit or debit card numbers when payments are processed by a third-party payment provider. Payment providers process financial information under their own privacy policies.

If you participate in Referral Rewards™, we may process:

• Referral links or codes
• Referring account
• Referred account
• Referral completion status
• Reward eligibility
• Fraud-prevention information
• Referral reward history

We may use this information to verify legitimate referrals and prevent abuse.

When you use Account AB, we may automatically collect certain technical and usage information, such as:

• IP address
• Browser type
• Device type
• Operating system
• Approximate location derived from IP address
• Pages viewed
• Features used
• Clicks and interactions
• Session duration
• Referral source
• Crash information
• Performance data
• Login activity
• Security events

We may use cookies, local storage, pixels, SDKs, or similar technologies where appropriate.

We may use information to:

• Create and manage accounts
• Operate Account AB
• Display profiles and community content
• Provide voting and community results
• Power Accountability Circles™
• Deliver direct messages
• Save private Journal™ entries
• Provide Self Discovery™ tools
• Generate AI responses
• Deliver Premium features
• Process payments
• Send notifications
• Send Outcome Update™ reminders
• Track progress, streaks, XP, and achievements
• Operate referral programs
• Personalize the user experience
• Recommend relevant content or features
• Detect fraud and abuse
• Moderate content
• Enforce our Terms
• Improve product performance
• Fix bugs
• Conduct analytics
• Protect users and the platform
• Comply with legal obligations

Account AB may send service-related communications such as:

• Account notices
• Security alerts
• Message notifications
• Circle activity
• Mentions
• Replies
• Goal reminders
• Outcome Update reminders
• Referral rewards
• Subscription information
• Product announcements

Where required, marketing messages will include appropriate opt-out methods. You may be able to manage notification preferences in your account settings.

We do not sell your personal information simply because you use Account AB. We may share information in limited circumstances described below.

With Other Users

Information you choose to make public or share within community features may be visible to other users. Examples include public profile information, situation posts, comments, votes where displayed, circle content, public achievements, and Outcome Updates. Private content is subject to the privacy settings and feature permissions that apply to it.

With Service Providers

We may use third-party providers for hosting, databases, authentication, email, notifications, analytics, artificial intelligence, payment processing, security, customer support, and error monitoring. These providers may process information as necessary to perform services for Account AB.

Legal and Safety Reasons

We may disclose information when reasonably necessary to comply with law, respond to valid legal process, protect Account AB, protect users, investigate fraud, investigate threats or abuse, enforce our Terms, or prevent security incidents.

If Account AB is involved in a merger, acquisition, financing, reorganization, sale of assets, or similar business transaction, information may be transferred as part of that transaction. If ownership changes, we will handle information in accordance with applicable law and provide notice where required.

We retain information for as long as reasonably necessary to:

• Provide Account AB
• Maintain user accounts
• Fulfill purchases
• Comply with legal obligations
• Resolve disputes
• Prevent fraud
• Maintain security
• Enforce agreements

Retention periods may vary depending on the type of information. Some information may remain in secure backups for a limited period after deletion. We may retain limited records where required for legal, fraud-prevention, accounting, or security purposes.

Users should be able to request deletion of their Account AB account. When an account is deleted, we may delete or de-identify personal information subject to applicable legal and operational requirements. Certain content may not disappear immediately in all circumstances. For example:

• Content shared with others may have been copied or quoted
• Some records may need to be retained for fraud prevention
• Payment records may need to be retained for accounting
• Backups may take time to cycle out
• Certain legal records may be retained where required

The account deletion interface should explain what happens to user-generated content before deletion is completed.

Account AB may provide controls that allow you to manage public profile visibility, notifications, followers, blocking, messaging, circle access, saved content, journal privacy, and account information. Not every privacy control may be available for every feature.

Account AB may use cookies and similar technologies for purposes such as authentication, maintaining sessions, remembering preferences, security, analytics, performance, and measuring feature usage. Where required by law, users may be offered additional cookie controls or consent options.

We may analyze aggregated or de-identified usage information to understand:

• Which features are used
• How users navigate the platform
• Where users encounter errors
• Engagement patterns
• Product performance
• Subscription conversion
• Circle participation
• User retention

Where reasonably possible, analytics should avoid unnecessary exposure of private Journal or direct-message content.

If Account AB introduces advertising in the future, this Privacy Policy will be updated as necessary to explain what data may be used, whether personalized advertising is offered, what advertising partners are involved, and what controls users have. Private Journal entries and private messages should not be treated as ordinary advertising targeting content.

Account AB may contain content involving personal experiences, relationships, finances, family matters, emotional experiences, or other sensitive subjects. Users should carefully consider what they disclose. Please avoid posting Social Security numbers, passwords, full payment card numbers, private authentication codes, government identification numbers, another person’s private medical records, or highly sensitive identifying information about another individual.

Account AB uses reasonable administrative, technical, and organizational safeguards designed to protect information. However, no online service can guarantee absolute security. Users are responsible for protecting their passwords and devices. If you believe your account or personal information has been compromised, contact Account AB through the Support Center.

Account AB is not intended for children under 13. We do not knowingly seek to collect personal information from children under 13. If we learn that personal information was collected from a child under 13 in violation of applicable law, we will take appropriate steps to remove it. If Account AB later offers features specifically directed toward children or younger teenagers, this Privacy Policy should be updated accordingly.

Depending on where you live, you may have privacy rights under applicable state law. These may include rights to know what personal information is collected, access personal information, correct inaccurate information, delete certain information, obtain a portable copy, opt out of certain types of data sharing, and appeal certain privacy decisions. The exact rights available depend on applicable law. Account AB will not unlawfully discriminate against users for exercising privacy rights.

California residents may have rights under applicable California privacy laws. Where applicable, California users may request information about categories of personal information collected, used, disclosed, or shared and may request access, correction, or deletion. If Account AB reaches thresholds that trigger additional California privacy obligations, the Privacy Policy and privacy-request systems should be updated accordingly.

Account AB may be accessible outside the United States. If you use Account AB from another country, your information may be transferred to and processed in the United States or other countries where Account AB or its service providers operate. Different jurisdictions may have different data-protection laws. If Account AB actively expands into jurisdictions such as the European Economic Area, United Kingdom, or other regions with additional privacy requirements, this Policy should be updated to include the applicable legal bases and user rights.

Account AB may contain links to third-party websites or services. We are not responsible for the privacy practices of those independent third parties. Review their privacy policies before providing personal information.

We may update this Privacy Policy as Account AB changes. If changes are material, we may provide notice through Account AB, email, account notifications, or another reasonable method. The current “Last Updated” date will appear at the top of this Policy.

For privacy questions, requests, or concerns, contact Account AB Support through the Support Center available through Account AB. For formal privacy or legal correspondence, add the appropriate business email and mailing address once your business entity and official contact information are established.