Privacy Policy

1. Introduction

Mulligan Money ("we," "our," or "us") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our mobile application and website.

By using Mulligan Money, you agree to the collection and use of information in accordance with this policy.

2. Information We Collect

2.1 Information You Provide

• Account Information: Email address, name, username, and profile photo (optional)
• Golf Information: GHIN number (optional), handicap index, home course
• Round Data: Scores, courses played, betting game selections, and bet amounts
• Payment Information: We do NOT collect or store payment card information. Settlements are handled through third-party services (Venmo, Cash App, Zelle)
• Communications: Messages sent through our support system

2.2 Information Collected Automatically

• Device Information: Device type, operating system, unique device identifiers
• Usage Data: App features used, time spent in app, interaction patterns
• Location Data: Approximate location for course recommendations (only when you grant permission)
• Log Data: IP address, browser type, access times, crash reports

3. How We Use Your Information

We use collected information for:

• Providing and maintaining the Mulligan Money app functionality
• Calculating bet outcomes and facilitating settlements
• Displaying leaderboards and statistics to you and your playing partners
• Sending important updates about your rounds and settlements
• Improving app features and user experience
• Detecting and preventing fraud or abuse
• Complying with legal obligations
• Sending promotional communications (you can opt out anytime)

4. Information Sharing and Disclosure

4.1 With Other Users

Your profile information, scores, and betting results are visible to users you play with. You control who can invite you to rounds through your privacy settings.

4.2 Service Providers

We share information with trusted third-party service providers who assist us with:

• Cloud hosting (Vercel, AWS)
• Analytics (Google Analytics)
• Email delivery (Resend)
• Customer support tools
• Payment processing links (we do not handle actual payments)

4.3 Legal Requirements

We may disclose your information if required by law, court order, or governmental request, or to protect our rights, property, or safety.

4.4 Business Transfers

If Mulligan Money is involved in a merger, acquisition, or sale of assets, your information may be transferred as part of that transaction.

5. Data Security

We implement industry-standard security measures to protect your information:

• Data encryption in transit (TLS/SSL) and at rest (AES-256)
• Regular security audits and penetration testing
• Access controls and authentication requirements
• Secure cloud infrastructure with automatic backups

However, no method of transmission or storage is 100% secure. We cannot guarantee absolute security but continuously work to protect your data.

6. Your Privacy Rights

Depending on your location, you may have the following rights:

• Access: Request a copy of your personal data
• Correction: Update inaccurate or incomplete information
• Deletion: Request deletion of your account and data
• Portability: Receive your data in a machine-readable format
• Opt-Out: Unsubscribe from marketing communications
• Restriction: Limit how we process your data

To exercise these rights, contact us at privacy@mulliganmoney.app or through the app settings.

7. Data Retention

We retain your information for as long as your account is active or as needed to provide services. After account deletion:

• Personal information is deleted within 30 days
• Anonymized statistics may be retained for analytics
• Legal or regulatory requirements may require longer retention
• Backup copies are purged within 90 days

8. Children's Privacy

Mulligan Money is intended for users 18 years of age or older (21+ in certain jurisdictions). We do not knowingly collect information from anyone under 18. If we discover we have collected data from a minor, we will delete it immediately.

If you are a parent or guardian and believe your child has provided us with information, please contact us at privacy@mulliganmoney.app.

9. International Data Transfers

Mulligan Money is based in the United States. Your information may be transferred to and processed in the U.S. or other countries where our service providers operate. These countries may have different data protection laws than your jurisdiction.

By using Mulligan Money, you consent to the transfer of your information to the United States and other countries.

10. Third-Party Links

Our app may contain links to third-party services (Venmo, Cash App, Zelle, golf course websites). We are not responsible for the privacy practices of these external sites. We encourage you to review their privacy policies.

11. California Privacy Rights (CCPA)

California residents have additional rights under the California Consumer Privacy Act:

• Right to know what personal information is collected, used, shared, or sold
• Right to delete personal information
• Right to opt-out of the sale of personal information (we do not sell your data)
• Right to non-discrimination for exercising CCPA rights

To exercise these rights, email privacy@mulliganmoney.app with "CCPA Request" in the subject line.

12. European Privacy Rights (GDPR)

If you are in the European Economic Area (EEA), you have rights under the General Data Protection Regulation:

• Right of access to your personal data
• Right to rectification of inaccurate data
• Right to erasure ("right to be forgotten")
• Right to restrict processing
• Right to data portability
• Right to object to processing
• Right to lodge a complaint with a supervisory authority

13. Changes to This Privacy Policy

We may update this Privacy Policy periodically. Changes will be posted on this page with an updated "Last Updated" date. For material changes, we will notify you via email or in-app notification.

Continued use of Mulligan Money after changes constitutes acceptance of the updated policy.

14. Contact Us

If you have questions about this Privacy Policy or our privacy practices, contact us: