Privacy Policy

Last updated: May 17, 2026 · Effective: May 17, 2026

QLife Money is a personal finance management ("PFM") and small-business platform operated by VGM LLC, doing business as QLife Money ("QLife Money," "we," "us," or "our"), a Nevada limited liability company with offices in Las Vegas, Nevada. This Privacy Policy explains the personal information we collect from and about consumers and small businesses who use the QLife Money website, mobile experiences, dashboard, marketplace, and related services (the "Services"), and how we use, disclose, and protect that information.

QLife Money is not a bank and is not a money transmitter. QLife Money partners with Stripe Payments Company for money transmission services and financial account services with funds held at Fifth Third Bank, N.A., Member FDIC. QLife Money is also not a broker-dealer, registered investment adviser, tax preparer, or consumer reporting agency. Where you use a payments or money-movement feature, the underlying financial service is provided by Stripe, Inc. and its affiliates, by Fifth Third Bank, N.A., or by another regulated third party, and your data with those partners is governed by their own privacy policies. Where you link a personal account, the connection is made through Plaid Inc., governed additionally by the Plaid End User Privacy Policy.

The Short Version

1. Who This Policy Covers

This Policy applies to:

This Policy does not cover the practices of third-party services we link to or that you authorize, including Stripe, Plaid, your financial institutions, Google or Microsoft (for optional receipt forwarding), or any business listed in the marketplace. Each operates under its own privacy policy.

2. Information We Collect

2.1 Information You Give Us

2.2 Information From Linked Financial Accounts

When you connect a bank, credit card, brokerage, retirement, HSA, 529, or loan account, we receive on a read-only basis:

This data flows to us through one of two providers, depending on the institution and product:

See §5 for our specific Plaid and Stripe disclosures, including how to revoke access.

2.3 Information from Email and Cloud Services (Optional)

If you opt in to receipt forwarding via Gmail, Google Workspace, or Microsoft 365, we use a Google or Microsoft OAuth scope to read messages that match receipt patterns (for example, merchant order confirmations) so we can match them to transactions and store them in your Shoebox. Use of Google user data complies with the Google API Services User Data Policy, including its Limited Use requirements: we do not transfer this data to third parties for ads, do not use it for advertising, do not allow humans to read it (other than for the security or compliance purposes Google specifically permits), and do not use it to develop, improve, or train generalized AI/ML models. You can disconnect this access at any time in your dashboard or through your Google or Microsoft account settings.

2.4 Information Collected Automatically

2.5 Information From Other Sources

We may receive limited information about you from:

3. How We Use Your Information

4. We Do Not Sell or Share Your Personal Information

We do not sell your personal information for money or other valuable consideration, and we do not share it for cross-context behavioral advertising. We do not participate in advertising-network data exchanges. We do not provide your transaction data, balances, holdings, or category history to lenders, insurers, advertisers, lead-generation platforms, or data brokers. If we ever change this practice, we will update this Policy in advance and provide the opt-out rights required by law.

5. How We Share Your Information

We share personal information only as described below.

5.1 Stripe (Payments, Financial Accounts, Connect, Financial Connections, Identity)

QLife Money partners with Stripe Payments Company for money transmission services and account services with funds held at Fifth Third Bank, N.A., Member FDIC.

If you open a QLife Money for Business account or use a payments feature, we share information with Stripe, Inc. and its affiliates as needed for Stripe to provide its services to you and to us. This includes:

FDIC pass-through insurance disclosure. USD balances in financial accounts are eligible for FDIC pass-through deposit insurance if the accounts meet certain requirements. The accounts are eligible only to the extent pass-through insurance is permitted by the rules and regulations of the FDIC, and if the requirements for pass-through insurance are satisfied. The FDIC insurance applies up to 250,000 USD per depositor, per financial institution, for deposits held in the same ownership category. Neither Stripe nor QLife Money is an FDIC-insured institution, and the FDIC's deposit insurance coverage only protects against the failure of an FDIC-insured depository institution.

Stripe's processing is governed by the Stripe Privacy Policy, the Stripe Services Agreement, the Stripe Connected Account Agreement, the Stripe Financial Accounts for Platforms Terms, and any other agreements presented to you when you enable a Stripe-powered feature.

5.2 Plaid (Personal Account Linking)

When you link a personal account through Plaid:

5.3 Other Service Providers

All service providers are bound by written agreements that limit their use of your information to providing services to us and require them to protect it consistent with this Policy.

5.4 Household Members and Marketplace

If you invite a household member to share data, that person sees the data you authorized. You can revoke access at any time. If you publish a marketplace listing, the information in that listing is public.

5.5 Legal and Safety

We may disclose information when we reasonably believe disclosure is necessary to (a) comply with applicable law, lawful government requests, or court orders; (b) enforce our Terms of Service; (c) detect or prevent fraud, security incidents, or abuse; (d) protect the rights, property, or safety of QLife Money, our users, or others; or (e) respond to a verified request by a user or their authorized agent.

5.6 Business Transfers

If QLife Money is involved in a merger, acquisition, financing due-diligence process, reorganization, bankruptcy, or sale of assets, your information may be transferred as part of that transaction. We will notify you and provide the choices required by applicable law before any material change in how your data is handled.

5.7 With Your Consent

We will share your information for any other purpose disclosed to you and consented to by you.

6. Tax Categorization — What We Do, What We Don't

QLife Money helps you organize tax-relevant transaction data. You can tag transactions for Schedule C, common deductions, and similar categories, and export them to a CPA, an accountant, or a third-party tax-prep tool of your choice. Our role is data organization and export only.

QLife Money does not prepare, sign, transmit, or e-file tax returns and is not a "tax return preparer" under 26 U.S.C. § 7701(a)(36) or related regulations. We do not provide tax, legal, accounting, or investment advice; consult a qualified professional about your specific situation.

7. Cookies and Tracking

We use a small number of cookies and local-storage entries:

Because we do not engage in cross-context behavioral advertising, our default response to your browser's "Do Not Track" or Global Privacy Control ("GPC") signals is the same as the default experience. Where state law treats GPC as a valid opt-out signal for a sale or sharing of personal information, we honor it as such.

8. Data Security

We use commercially reasonable, industry-standard security practices and SOC 2-aligned controls, including:

No method of electronic transmission or storage is perfectly secure. While we use commercially reasonable efforts to protect your information, we cannot guarantee absolute security.

9. Data Retention

We retain personal information for as long as needed to provide the Services and for the additional periods needed to:

For QLife Money for Business accounts powered by Stripe, we and our financial-service partners apply additional retention periods required by the Bank Secrecy Act, the USA PATRIOT Act, and OFAC rules — typically at least five (5) years from account closure for transaction, KYC/CIP, sanctions-screening, and complaints records. We also retain records of marketing materials, application flows, customer consent, statements, receipts, and customer communications for at least five (5) years as required by our financial-service partners. Our partners' retention is governed by their own policies.

10. Children

The Services are not directed to children under thirteen (13), and we do not knowingly collect personal information from children under thirteen (13) under the Children's Online Privacy Protection Act ("COPPA"). To open a financial account, you must be at least eighteen (18). If you believe a child has provided us with personal information, contact privacy@qlife.money and we will delete it.

11. International Users

QLife Money operates in the United States and is intended for U.S. residents. If you access the Services from outside the United States, your information will be transferred to, stored, and processed in the U.S., where data-protection laws may differ from those in your jurisdiction. We are not currently designed for or directed at users in the European Economic Area, the United Kingdom, or other regions whose laws would impose additional cross-border-transfer obligations.

12. U.S. State Privacy Rights

Depending on where you live, you may have one or more of the rights below regarding personal information we hold about you. We honor these rights subject to verification and the exceptions allowed by the applicable statute (for example, information we must keep to comply with law, prevent fraud, or detect security incidents).

12.1 California (CCPA / CPRA)

12.2 Other State Privacy Laws

Residents of Virginia, Colorado, Connecticut, Utah, Texas, Oregon, Montana, Iowa, Tennessee, Indiana, New Jersey, Delaware, New Hampshire, Minnesota, Maryland, Rhode Island, and Nebraska have substantially similar rights under their respective state privacy laws. The rights described above apply, subject to each statute's verification requirements and exceptions.

12.3 Nevada

Nevada residents may direct us not to sell their "covered information" under Nevada Revised Statutes §§ 603A.300–603A.360. We do not sell covered information; if our practices change, we will honor verified requests submitted to privacy@qlife.money.

12.4 FCRA Notice

QLife Money is not a consumer reporting agency under the Fair Credit Reporting Act, 15 U.S.C. § 1681 et seq. We do not assemble or evaluate consumer information for the purpose of furnishing consumer reports to third parties. The insights and reports we show you about your own finances are for your own informational use and are not consumer reports.

12.5 Submitting a Privacy Request

Submit privacy requests through the Privacy & Data section of your dashboard, or by email to privacy@qlife.money with the subject line "Privacy Request." We will verify your identity using information we already have on file (or, where appropriate, a one-time link to your registered email and a request-specific code). We will respond within forty-five (45) days, with one extension of up to forty-five (45) additional days where reasonably necessary, and will explain any reason we cannot fulfill a request.

13. Changes to This Policy

We will update this Policy when our practices change. The "Last updated" date at the top reflects the most recent revision. For material changes, we will give you advance notice by email or in-product notice. Your continued use of the Services after the effective date constitutes acceptance of the revised Policy.

14. How to Contact Us

If you are not satisfied with our response, you may contact your state attorney general or the U.S. Consumer Financial Protection Bureau at consumerfinance.gov.