More Tho

Privacy Policy

Effective date: July 8, 2026 · Last updated: July 8, 2026

More Tho ("More Tho," "we," "us," or "our") operates the More Tho website at moretho.com and the More Tho mobile apps (together, the "Service"). This Privacy Policy explains what personal information we collect, how we use it, who processes it on our behalf, and the choices you have.

More Tho is an event-driven market-education and news product. By using the Service you agree to the collection and use of information as described in this policy.

Not financial advice More Tho provides market education, news, and scenario analysis for informational purposes only. It is not financial, investment, legal, or tax advice, is not a broker or exchange, and does not make buy or sell recommendations. "Scenario certificates" are transparency and consistency records for educational scenarios — they are not predictions, odds, or guarantees of any outcome. Always do your own research and consult a licensed professional before making financial decisions.

1. Information we collect

We collect only what we need to run and personalize the Service. Specifically:

What we collect	Examples	Why
Account email	The email address you use to create and sign in to your account.	Authenticate you, secure your account, and contact you about the Service.
Chosen interests	The topics you select (e.g. crypto, commodities, macro) to shape your news wall.	Personalize the news wall and scenarios you see.
Chat messages	The questions and messages you send to the in-app AI assistant.	Generate a response and improve the assistant's usefulness.
Usage data	Pages and articles viewed, features used, session and device/technical data such as approximate app version, and log data.	Keep the Service working, understand what's useful, and improve it.

We do not ask for or collect your financial account credentials, brokerage logins, government IDs, precise location, health data, or contacts. We are not a brokerage and never take custody of funds.

2. How we use your information

Personalization — to tailor your news wall, surface relevant events and scenarios, and adapt the experience to the interests you choose.
Providing the Service — to create and secure your account, power the AI chat, and deliver news and scenario content.
Product improvement — to understand which features are useful, diagnose problems, and improve the quality of the Service and the AI assistant.
Communication — to send you essential account and service messages. We do not send marketing email without a way to opt out.
Safety & legal — to detect abuse, enforce our Terms, and comply with applicable law.

We do not use your information to provide individualized financial advice, and we do not make automated decisions that produce legal or similarly significant effects about you.

3. How we share information (service providers / processors)

We do not sell your personal information, and we do not share it with third parties for their own independent marketing. We use a small set of trusted service providers ("processors") who handle data only on our instruction to operate the Service:

Google Gemini (Google LLC) — powers the in-app AI assistant. When you send a chat message, its contents are processed by Google's Gemini models to generate a response.
Market-data providers — supply the market, price, and news data shown in the Service. We send these providers the requests needed to fetch data; we do not send them your account email or chat messages.
Google Cloud (Google LLC) — hosts and runs the Service (Google Cloud Run, project more-tho) and stores our data. Google Cloud provides the infrastructure on which the Service operates.

We may also disclose information if required by law, to respond to lawful requests, or to protect the rights, property, and safety of More Tho, our users, or the public. If More Tho is involved in a merger, acquisition, or asset sale, we will provide notice before your information is transferred and becomes subject to a different privacy policy.

4. We do not sell your data

We do not sell your personal information, and we do not "share" it for cross-context behavioral advertising as those terms are defined under laws such as the California Consumer Privacy Act (CCPA/CPRA). We do not trade in personal data.

5. Data security

All data is encrypted in transit using TLS/HTTPS. We apply administrative, technical, and organizational safeguards appropriate to the sensitivity of the data. No method of transmission or storage is 100% secure, so we cannot guarantee absolute security, but we work to protect your information and limit access to it.

6. Data retention

We keep your account information for as long as your account is active. We retain usage and chat data for as long as needed to provide and improve the Service, then delete or de-identify it. When you delete your account, we delete or anonymize your personal information within a reasonable period, except where we must retain it to comply with legal obligations or resolve disputes.

7. Your choices and rights

Access & correction — you can review and update your interests in the app, and request a copy or correction of your personal information.
Deletion — you can request deletion of your account and associated personal information by contacting us (see Section 10).
Opt-outs — you can adjust your chosen interests at any time and opt out of non-essential communications.

Depending on where you live (for example, the EEA/UK or California), you may have additional rights such as data portability, objection to processing, and the right to lodge a complaint with a supervisory authority. We honor these rights as required by applicable law; contact us to exercise them.

8. Children's privacy

The Service is not directed to children under 13 (or the minimum age in your jurisdiction), and we do not knowingly collect personal information from them. If you believe a child has provided us information, contact us and we will delete it.

9. International users

We operate the Service using infrastructure that may process and store data in the United States and other countries. By using the Service, you understand your information may be transferred to and processed in countries that may have different data-protection laws than your own. We rely on appropriate safeguards for such transfers where required.

10. Contact us

Questions about this policy, or requests to access or delete your data:

11. Changes to this policy

We may update this Privacy Policy from time to time. When we do, we will revise the "Last updated" date above and, for material changes, provide a more prominent notice. Your continued use of the Service after an update means you accept the revised policy.