Third-Party Service Providers / Subprocessors

Provider: Base44 (Wix)

Student Money Mentors uses Base44, operated through Wix, for hosting and platform infrastructure supporting the Service.

Depending on the applicable service, Base44 (Wix) may process:

• Account information.
• Technical information.
• Service-related information.
• Information necessary to operate the application and its underlying infrastructure.

Providers: Anthropic, Google, and OpenAI

Student Money Mentors uses third-party AI providers, including Anthropic, Google, and OpenAI, to provide certain AI-powered functionality.

Depending on the feature used and the information submitted by the user, these providers may process:

• User-submitted text.
• Images.
• Screenshots.
• Financial or educational content submitted for analysis.
• User-provided questions or scenarios.
• Other information submitted for AI processing.

The specific AI provider used may vary depending on the feature, technical implementation, availability, or other operational considerations.

AI processing is also governed by the Student Money Mentors AI Use & AI Privacy Notice.

Users should avoid submitting unnecessary sensitive information to AI features, including passwords, authentication codes, financial account credentials, or other information that is not necessary for the requested feature.

Provider: Wix Media (Wix)

Student Money Mentors uses Wix Media for storage and delivery of uploaded files and media.

This may include:

• Images.
• Documents.
• Screenshots.
• Educational materials.
• Other files uploaded through supported features.

Provider: Base44 (Wix)

Base44 (Wix) supports certain transactional and service-related communications for Student Money Mentors.

Information processed for these purposes may include:

• Email addresses.
• Communications metadata.
• Information necessary to deliver authorized communications.

These communications may include account-related notices, authentication messages, notifications, invitations, service announcements, and other transactional communications.

Provider: Base44

Base44 may provide analytics and product-measurement functionality used to understand service usage, monitor performance, identify technical issues, and improve Student Money Mentors.

Information processed for these purposes may include:

• Technical information.
• Usage information.
• Application events.
• Performance information.

Student Money Mentors seeks to limit analytics information to what is reasonably necessary for the applicable purpose.

Providers: Google and Base44

Student Money Mentors supports multiple authentication methods.

Google may process authentication and account information when a user chooses Google sign-in.

Base44 supports authentication through email and password.

The information processed may include information necessary to authenticate the account, maintain account security, and provide access to the Service.

The information exchanged with an authentication provider may depend on the authentication method selected by the user.

Provider: Base44 (Wix)

Base44 (Wix) supports infrastructure and security functions that help protect Student Money Mentors and its users.

Information processed for these purposes may include:

• Technical information.
• Account information.
• Security-related information.
• Information necessary to detect or prevent unauthorized activity.

These functions may assist with preventing:

• Account compromise.
• Malicious activity.
• Fraud.
• Unauthorized access.
• Automated abuse.
• Security threats.
• Other prohibited activity.

Provider: Student Money Mentors LLC

Student Money Mentors LLC may provide customer-support and operational assistance for the Service.

Information provided in a support request may be processed when reasonably necessary to:

• Respond to the user’s request.
• Investigate a reported problem.
• Troubleshoot an account or service issue.
• Address safety or security concerns.
• Investigate billing or account issues.
• Provide other authorized support.

Users should provide only information reasonably necessary to resolve their support request.

Because Student Money Mentors provides financial education and money-related tools, certain features may involve information concerning a user’s financial circumstances.

Users should exercise particular caution before submitting financial information to the Service or an AI feature.

Users should not submit unnecessary:

• Bank account passwords.
• Authentication codes.
• Debit or credit card security codes.
• Full payment credentials.
• Social Security numbers.
• Government identification numbers.
• Account recovery credentials.
• Other information that could permit unauthorized access to a financial account.

Where financial information is necessary for a particular feature, users should provide only the minimum information reasonably necessary.

AI-generated financial information may contain errors and should not be treated as automatically accurate, complete, personalized, or suitable for a user’s particular financial circumstances.

The providers identified in this policy are the providers currently used for the functions described above as of the Last Updated date.

The provider list may change as Student Money Mentors develops.

Student Money Mentors may:

• Add providers.
• Replace providers.
• Change providers for particular functions.
• Discontinue providers.
• Use additional providers for new features.

Where applicable law requires notice concerning material changes to subprocessors or service providers, Student Money Mentors will provide such notice in accordance with applicable law.

Some providers may process information in jurisdictions outside the country where a user resides.

Where required by applicable law, Student Money Mentors will use appropriate safeguards for applicable international transfers of personal information.

Additional information regarding international processing and transfers is provided in the Student Money Mentors Privacy Policy.

Student Money Mentors seeks to require providers processing information on its behalf to:

• Process information only for authorized purposes.
• Maintain appropriate security measures.
• Protect information against unauthorized access, disclosure, alteration, or destruction.
• Comply with applicable contractual requirements.
• Assist with applicable privacy and security obligations where required.
• Handle information appropriately when the applicable service relationship ends, subject to legal, security, backup, or other legitimate requirements.

Third-party providers may also retain information where necessary to comply with applicable law or legitimate security obligations.

Third-party providers may maintain their own terms, privacy policies, and security practices.

Student Money Mentors does not control the independent privacy or security practices of third parties beyond the contractual and operational relationship applicable to their services.

Users should review applicable third-party policies where relevant.

Student Money Mentors seeks to limit third-party access to user information to information reasonably necessary for the provider to perform its assigned function.

The fact that a provider is listed in this policy does not mean that the provider receives all information collected or maintained by Student Money Mentors.

The categories of information accessible to a provider depend on the particular service, feature, technical configuration, and purpose for which the provider is engaged.

Student Money Mentors may update this policy as:

• Service providers change.
• Platform features change.
• New technologies are introduced.
• Privacy or security practices develop.
• Financial-services or other legal requirements change.

The Last Updated date will be revised when appropriate.

This policy provides additional information regarding third-party service providers and subprocessors. It does not replace the Student Money Mentors Privacy Policy or AI Use & AI Privacy Notice.

Those policies provide additional information regarding:

• Information collected by Student Money Mentors.
• How information is used.
• How information may be disclosed.
• Data retention.
• Security practices.
• Privacy rights.
• AI processing.
• Financial-information handling.
• Applicable legal obligations.