meum

PRIVACY

Privacy Policy

Effective November 13, 2026

MEUM values your investment records and personal information. This notice explains what information is processed and where.

1. Scope and operator

This notice applies to the MEUM mobile app provided by MEUM, its official website, and email support. The operator is MEUM, represented by Jaeyong Jeong. Contact us at contact@meum.my. The privacy officer is the representative, Jaeyong Jeong.

2. Transaction and asset records in the app

Transactions, assets, account groupings, and settings that you enter manually or save after reviewing image recognition results are stored in a database on your device. The app can be used without signing in. Information is sent to servers only when you use optional features such as sign-in, cloud storage, Lumen, monthly reports, or a Pro subscription, as described below. Usage statistics and error reports are the exception: they are sent by default and can be turned off in settings (Section 2-6).

Text recognition for transaction images runs on your device. It uses the selected image and temporary processing files. The ledger stores the transactions you confirm and information needed for tasks such as duplicate detection. Original images are not sent to an external AI analysis service.

2-1. Sign-in and cloud storage

You can sign in with a Google, Apple, or Kakao account. When you sign in, the MEUM account server creates a random member ID and stores the account identifier issued by the sign-in provider, the sign-in method, sign-up and linking times, and session information (a hash of the session token and its expiry). Your name, email address, phone number, and profile photo are not stored. For Apple sign-in, a token issued by Apple is stored encrypted so that the Apple connection can be revoked when you delete your account.

A signed-in member’s ledger is stored in MEUM cloud storage. Backup files containing accounts, instruments, transactions, dividends, stock splits, ledger settings, and photo import history (hash values for duplicate detection, not the original images), together with item counts used to list backups, are kept in private storage hosted on Cloudflare. Watchlists, help settings, and Lumen conversations are not included. Up to 30 manual backups and the 10 most recent automatic backups are kept; older automatic backups are removed.

When you request account deletion, your sessions are revoked immediately, and your member information is deleted after the sign-in provider connections are revoked and cloud backups are deleted. Deletion is retried if a temporary error occurs. The member ledger on that device is also cleared. Local ledgers on other devices and files you exported must be deleted on each device.

2-2. Lumen

Lumen is available to signed-in members after they agree on first use. To answer your questions, holdings, quantities, average prices, market values, weights, performance and risk metrics, monthly returns, dividends, trade counts and totals for the selected analysis period, cumulative realized gains, and your question and recent conversation are sent through the Lumen server to Anthropic. Individual transaction records, transaction notes, screenshots, and account names are not sent. Anything you write in a question is sent as written, so please do not include unnecessary personal information.

Conversation history is stored on your device. So that you can receive an answer after leaving and returning to the app, the question, shared information, recent conversation, and answer are kept temporarily on the server. They are deleted once the app receives the answer, and data older than one hour from first receipt is cleaned up every five minutes. To track usage limits, the member ID, request time, mode, status, usage, and a hash for duplicate detection are recorded and deleted after 35 days. Questions and answers are not written to server logs.

Anthropic generally deletes inputs and outputs within 30 days; data flagged for usage policy review may be retained for up to 2 years. Deleting a conversation on your device does not immediately delete records already sent to the provider.

2-3. Optional monthly investment reports

With separate consent, Pro members send monthly holdings, transaction and dividend records, and calculated results to MEUM services hosted on Cloudflare. Asset and performance summaries needed for personalized commentary are sent to Anthropic. Account numbers and transaction notes are excluded.

Report inputs and completed reports are retained for up to 24 months from creation. Reports can be deleted in the app. Account deletion and expired records are processed by periodic cleanup. After an individual report is deleted, minimal benefit usage records remain until the retention deadline. Turning off automatic generation does not delete existing reports. Copies saved or shared elsewhere must be deleted separately.

Anthropic’s retention terms are the same as in Section 2-2.

2-4. Pro subscription payments

Pro subscription payments are processed by the Apple App Store or Google Play. Payment details such as card numbers are handled by each store; the operator does not receive them.

While a signed-in member uses the app, information needed to purchase or restore Pro and to check subscription status is sent to RevenueCat, Inc. (United States), our subscription management service. This may include the member identifier (a random account ID, not a name or email address), the purchased product, store transaction identifiers, purchase, renewal and expiry times, purchase country, currency and price, app and device environment information, and connection information such as IP address. Nothing is sent while you are not signed in. When a subscription renews, is canceled, or is refunded, RevenueCat notifies the MEUM account server, which stores the Pro period and whether it comes from a store subscription.

Pro information on the MEUM account server is deleted when you delete your account. RevenueCat keeps purchase records for as long as needed to verify purchases and manage subscriptions; you can request deletion at contact@meum.my. Store payment records are subject to each store’s policies. Free features remain available without purchasing Pro.

2-5. Ads

Users without Pro see a banner ad on the summary screen and a pop-up ad on the home screen, served through Google AdMob. To deliver and measure ads and prevent fraud, Google may process advertising identifiers (IDFA on iOS, advertising ID on Android), IP address, device and app information, and ad impression and click information. The operator does not receive or store advertising identifiers.

On iOS, whether the advertising identifier is used depends on your tracking permission. On Android, you can delete or reset the advertising ID in device settings. In regions where consent is required, you can change your choice in the app under Settings (설정) → Ad privacy settings (광고 개인정보 설정). Ads may still be shown if you decline. Google’s processing is subject to Google’s privacy policy.

2-6. Usage statistics and error reports

To improve the app, the iOS and Android apps send usage statistics to PostHog, Inc. (United States) and error reports to Functional Software, Inc. (Sentry, United States). The web version sends neither.

Usage statistics include app opens and closes, the type of screen viewed (for example, asset details), how you started (sign-in method or guest), whether you finished the app tour, the type of record saved (transaction, dividend, starting holdings, or import), Pro screen views and purchase results (completed, cancelled, pending, or failed), a random identifier stored on the device, app version, device model, operating system, and language setting.

Error reports include the error and where it occurred in the code, recent screen changes and the names of tapped screen elements before the error, request addresses (with values after the address, such as search terms, removed), device model, operating system, app version, device state, a random installation identifier, and app session records used to calculate the crash rate.

Member IDs, names, email addresses, and ledger contents such as amounts, instruments, accounts, and notes are not among the collected items. IP addresses are transmitted in the course of communication but are configured not to be stored, and usage statistics do not estimate location from IP addresses.

Turning off Settings (설정) → Send usage statistics (사용 통계 보내기) stops usage statistics and error reports. Session records for the crash rate stop from the next app launch. All app features remain available when it is off.

3. Market data requests and network information

When you request prices, exchange rates, or instrument searches, information needed for the request is sent to a market data relay server. This may include search terms, markets, instrument identifiers, trading pairs and exchanges, currencies, and date ranges. Your full transaction ledger, including quantities and purchase prices, is not sent for market data requests.

During app and website communications, hosting and security providers may process connection information such as IP addresses, request times, and request paths. On-device storage does not mean that no network information is processed.

4. Email inquiries

When you contact us by email, we process your email address, name or sender display name, message, and any files you voluntarily attach to review and answer your inquiry. Please do not send unnecessary information such as account passwords or resident registration numbers.

Email is sent, received, and stored with Google Workspace, provided by Google LLC (United States). Inquiry information is kept for 3 years after the inquiry is resolved and then deleted, following the retention period for consumer complaint and dispute records under Korea’s Act on the Consumer Protection in Electronic Commerce.

5. Retention and deletion

Data deleted from our servers may remain in Cloudflare’s database recovery records for a limited period before being deleted automatically.

6. External services and overseas processing

The following companies process personal information to provide the service. All of them are located outside Korea.

Information is sent over encrypted connections when you use the relevant feature; the information involved and retention periods are described in each section. If you do not use or agree to a feature, its information is not sent, and only that feature is unavailable. Usage statistics and error reports are sent while you use the app; when you turn them off in settings, they are not sent and no feature becomes unavailable.

The privacy policies of Google, Apple, and Kakao sign-in, and of any mail app or backup storage service you choose, also apply to your use of those services.

7. Cookies and analytics

This website itself does not implement advertising trackers, visitor analytics scripts, registration forms, or inquiry forms. Hosting providers may separately process cookies or connection information for security and access control. App usage statistics and error reports are described in Section 2-6, and ad-related processing in Section 2-5.

8. Your rights and safe data management

You can view, edit, and delete on-device records in the app. You can delete your account in the app under Settings (설정) → Account and sign-in (계정 및 로그인 관리) → Delete account (회원 탈퇴). If you cannot use the app, follow the account deletion guide to request it by email. Lumen conversations and monthly reports can be deleted on their screens.

To request access to, correction or deletion of, or suspension of processing of other information handled by the operator, contact contact@meum.my. We may request identity verification to the extent needed to handle your request.

Our principle is to limit access to personal information to what is necessary and delete information that is no longer needed in a way that makes recovery difficult. Please manage your device lock and access permissions for backup files.

9. Remedies

For counseling or dispute mediation regarding privacy infringement, you can contact the following Korean agencies.

10. Updates and contact

This policy takes effect on November 13, 2026. If it changes, the effective date and changes will be announced on this page in advance. For privacy inquiries, contact MEUM at contact@meum.my.