VALHERIM SOLUTIONS

Privacy Policy

Last updated: June 18, 2026

1. Introduction

Valherim Solutions ("we," "us," or "our") is committed to protecting your privacy. This Privacy Policy describes how we collect, use, disclose, and safeguard your information when you use our AI-powered personal finance consulting services, including our SMS-based financial tracking platform.

2. Information We Collect

We collect the following types of information to provide our services:

  • Contact Information: Phone number, name, and email address provided during registration.
  • Financial Data: Expense amounts, categories, and descriptions voluntarily submitted by users via SMS messages.
  • Budget Preferences: Income, spending limits, and financial goals as configured by users.
  • SMS Message Content: Text messages sent to and received from our service number for expense tracking and financial inquiries.
  • Usage Data: Service interaction frequency and feature usage patterns.

3. How We Use Your Information

We use the information we collect exclusively to:

  • Process and categorize expense entries submitted via SMS.
  • Calculate and deliver real-time budget summaries and remaining balances.
  • Generate personalized weekly and monthly financial reports.
  • Send automated bill payment reminders at scheduled intervals.
  • Provide AI-powered financial insights and recommendations.
  • Deliver motivational coaching messages based on spending performance.
  • Respond to user inquiries and provide customer support.

4. SMS Messaging Policy

By opting in to our SMS service, you agree to receive the following types of messages:

  • Transactional Messages: Confirmations of expense entries and budget updates.
  • Automated Reminders: Bill payment due date alerts sent 3 days prior and on the due date.
  • Periodic Reports: Weekly financial summaries (Saturdays) and monthly reports (1st of each month).
  • Coaching Messages: Personalized tips and motivational messages based on spending behavior.

Message Frequency: Message frequency varies based on your activity and subscription preferences. Typically, users receive 5-15 messages per week.

Message and Data Rates: Standard message and data rates from your wireless carrier may apply.

Opt-Out: You can stop receiving messages at any time by replying STOP to any message from our service number. You will receive a one-time confirmation of your unsubscription.

Help: For assistance, reply HELP to any message or contact us at [email protected].

5. Data Sharing and Disclosure

Valherim Solutions does not sell, rent, lease, or share your personal information with third parties for their marketing purposes. We may share information only in the following limited circumstances:

  • Service Providers: We use Twilio for SMS delivery. Twilio processes phone numbers and message content solely to deliver messages on our behalf.
  • Legal Requirements: We may disclose information if required by law, court order, or government regulation.
  • Safety: We may disclose information to protect the rights, safety, or property of our users or others.

6. Data Security

We implement industry-standard technical and organizational security measures to protect your personal information, including:

  • Encryption of data in transit (TLS/SSL) and at rest.
  • Access controls limiting data access to authorized personnel only.
  • Regular security audits and vulnerability assessments.
  • Secure database hosting with automated backups.

7. Data Retention

We retain your personal and financial data for as long as your account is active or as needed to provide our services. You may request deletion of your data at any time by contacting us. Upon account cancellation, we will delete your data within 30 days, except where retention is required by law.

8. Your Rights

You have the right to:

  • Access, correct, or delete your personal information at any time.
  • Opt out of SMS messaging by replying STOP.
  • Request a copy of all data we hold about you.
  • Withdraw consent for data processing.

9. Children's Privacy

Our services are not intended for individuals under the age of 18. We do not knowingly collect personal information from children.

10. Changes to This Policy

We may update this Privacy Policy from time to time. We will notify users of material changes via SMS or email. Your continued use of our services after such changes constitutes acceptance of the updated policy.

11. Contact Us

If you have questions about this Privacy Policy or wish to exercise your rights, contact us: