INCOME BUILDER PRIVACY POLICY

Last Updated: November 10, 2025

This Privacy Policy describes how IBIO LLC, a Wyoming limited liability company doing business as Income Builder (“Income Builder,” “we,” “us,” or “our”), collects, uses, discloses, and protects personal information when you access or use our website located at https://incomebuilder.io, our mobile or web applications, and all related software and services (collectively, the “Services”).

By accessing or using the Services, you agree to the practices described in this Privacy Policy. If you do not agree, you must discontinue use immediately.

1. INFORMATION WE COLLECT

We collect the following categories of information:

1.1 Information You Provide Directly

• Account Information: name, email address, password, phone number.

• Payment & Billing Information: billing address, subscription details, and payment confirmations (processed by Stripe or PayPal; we do not store full credit card numbers).

• Real Estate & Investment Inputs: property details, financial assumptions, income data, expense data, uploaded documents, and portfolio information.

• Communications: support inquiries, surveys, feedback, and other correspondence.

1.2 Information Automatically Collected

When you use the Services, we automatically collect:

• Device & Usage Data: IP address, browser type, operating system, pages viewed, links clicked, session duration.

• Cookies & Tracking Data: identifiers, analytics tags, pixels, session tokens.

• Log Data: diagnostics, performance logs, crash reports, and security logs.

1.3 Information from Third Parties

We may receive information from:

• Payment Processors (Stripe, PayPal): transaction confirmations, billing status.

• Third-Party Data Sources: real-estate datasets, valuation APIs, market analytics.

• Marketing Partners: email platforms, advertising networks, lead sources.

1.4 Sensitive Personal Data (Future Use)

In the future, we may securely store sensitive investment-related data such as tax documents, financial statements, or personally identifiable real-estate documentation. We will update our safeguards as these features launch.

2. HOW WE USE YOUR INFORMATION

We use personal information for the following purposes:

2.1 To Provide and Maintain the Services

• Creating and managing accounts

• Running financial models and analytics

• Storing and displaying your real-estate portfolio data

• Processing payments and renewals

2.2 To Improve and Personalize the Platform

• Enhancing algorithms and analytics

• Feature development

• Customizing dashboards and experience

2.3 To Communicate with You

• Service updates

• Billing notifications

• Customer support

• Marketing emails (you may unsubscribe at any time)

2.4 For Security and Compliance

• Detecting fraud or unauthorized activity

• Protecting the integrity of our software

• Enforcing our Terms of Service

• Complying with legal obligations

2.5 For Marketing and Advertising

• Email campaigns

• Retargeting ads

• Lookalike audiences

• Promotional communications

We do not allow user-to-user communication within the platform.

3. LEGAL BASES FOR PROCESSING (EEA, UK & Similar Jurisdictions)

If you reside in the EEA, UK, or similar jurisdictions, we rely on the following legal bases:

• Contract Performance (providing the Services)

• Consent (marketing communications, optional data processing)

• Legitimate Interests (security, analytics, improvements)

• Legal Obligations (financial, tax, regulatory requirements)

4. HOW WE SHARE INFORMATION

We may share information with:

4.1 Service Providers

Trusted vendors providing:

• Hosting and cloud storage

• Payment processing (Stripe, PayPal)

• Email and marketing automation

• Analytics and diagnostic tools

• Customer support systems

4.2 Business Transfers

If Income Builder undergoes a merger, acquisition, or asset sale, information may be transferred to the acquiring entity, subject to privacy protections.

4.3 Legal and Compliance

We may disclose data when required by:

• Law or legal process

• Court orders or subpoenas

• Government or regulatory authorities

• To enforce our Terms of Service

• To protect property, rights, or safety

4.4 Third-Party Integrations You Choose

If you connect optional third-party tools (e.g., financial tools, data providers), we may share the necessary data per your authorization.

We do not sell personal information.

5. COOKIES AND TRACKING TECHNOLOGIES

Income Builder uses:

• Cookies (session & persistent)

• Web beacons

• Tracking pixels

• Analytics identifiers

These technologies help us:

• Recognize returning users

• Analyze usage patterns

• Improve platform performance

• Deliver marketing content

You may disable cookies in your browser; however, certain functionality may not work.

6. INTERNATIONAL DATA TRANSFERS

Income Builder is headquartered in the United States.
Your data may be transferred to and processed in the U.S. or other jurisdictions with different data-protection laws.

We implement:

• Standard Contractual Clauses (where applicable)

• Technical and organizational safeguards

• Restricted-access controls

7. DATA RETENTION

We retain personal information only as long as necessary to:

• Provide the Services

• Comply with legal obligations

• Resolve disputes

• Enforce agreements

Upon account closure, we may retain certain data for compliance or security purposes.

8. DATA SECURITY

Income Builder uses commercially reasonable security measures, including:

• Encryption in transit and at rest

• Limited-access controls

• MFA for administrative accounts

• Secure cloud infrastructure

• Regular vulnerability assessments

However, no system is 100% secure; users assume risk associated with transmitting data online.

9. CHILDREN'S PRIVACY

The Services are not intended for individuals under 18 years of age.
We do not knowingly collect data from minors.
If we learn a minor’s data was collected, we will delete it promptly.

10. YOUR PRIVACY RIGHTS

Depending on your location, you may have rights such as:

10.1 Access & Correction

Request access to or correction of personal information we hold.

10.2 Deletion

Request deletion of your data (subject to legal exceptions).

10.3 Portability

Request a copy of your data in a structured, machine-readable format.

10.4 Object or Restrict Processing

Object to marketing or certain types of processing.

10.5 Withdraw Consent

Where processing is based on consent, you may withdraw at any time.

To exercise rights: support@incomebuilder.io

11. CALIFORNIA PRIVACY RIGHTS (CCPA/CPRA)

California consumers may request:

• Categories of data collected

• Categories of sources

• Business purposes for collection

• Categories of third parties who receive data

• Specific pieces of personal information

• Corrections or deletion

Income Builder does not sell or “share” personal data as defined under CCPA/CPRA.

Requests may be submitted to: support@incomebuilder.io

12. GDPR RIGHTS (EU/EEA USERS)

If GDPR applies, you have:

• Right of access

• Right to rectification

• Right to erasure

• Right to restrict processing

• Right to object

• Right to data portability

• Right to lodge a complaint with a supervisory authority

13. MARKETING COMMUNICATIONS

You may opt out of marketing emails at any time by clicking “unsubscribe.”
Transactional communications are required and cannot be opted out of (e.g., billing, security alerts).

14. THIRD-PARTY LINKS

Our Services may contain links to external websites.
We are not responsible for the privacy practices or content of any third-party site.

15. CHANGES TO THIS PRIVACY POLICY

We may update this Privacy Policy from time to time.
Changes become effective upon posting.
Continued use of the Services constitutes acceptance.

16. CONTACT INFORMATION

Income Builder (IBIO LLC)
Wyoming, United States
Email: support@incomebuilder.io