Privacy Policy for (BETA) My City Gem

1. Our Core Privacy Promise

2. Information We Collect

We collect information necessary to verify identities, facilitate fair bidding, ensure physical safety, process payments, and fulfill contractual obligations.

A. Information You Provide Directly

For Customers:

• Account & Profile: Name, email address, mobile phone number, account password.
• Job Inquiry & Scope Data: Details, descriptions, job preferences, preferred schedule, service addresses/locations, and photos or videos uploaded to build job scope.
• AI Concierge Interactions: Transcripts and inputs provided when interacting with the MCG AI Concierge to generate job scopes.
• Verification Data: Identity verification documents (where requested for high-value or secure services).
• Feedback & Support: Customer service inquiries, ratings, reviews, and post-job 90-day quality evaluations.

For Vendors & Service Providers:

• Account & Business Profile: Representative name, business name, business address, email address, phone number, and service vertical categories.
• Identity & Legal Verification Documents: Government-issued identity documents (e.g., Driver’s License, Passport), tax identifiers, Business ID proofs, and occupational licenses.
• Compliance & Fleet Documentation: Commercial insurance certificates, vehicle registration, fleet records, and safety/inspection certificates.
• Micro-Equity & Incentive Data: Records of bids submitted, job performance metrics, 5-star ratings, 4-digit job completion codes, and accumulated micro-equity credits.

B. Information Automatically Collected

• Precise Location Data (GPS): Live location data from both Customers and Vendors to enable turn-by-turn directions, calculate service proximity, power live tracking during job fulfillment, and optimize localized bidding windows.
• Device & Usage Data: Device identifiers (IMEI, IP address), mobile OS version, application crashes, feature usage, and interactions within the app.
• Transactional Communications: In-app messages, chat histories, call logs (via masked numbers), and system alerts generated between Customer and Vendor upon job assignment.

3. How We Use Your Information

We process personal data to fulfill operational, legal, and safety requirements:

• Facilitating Anonymous Bidding: Publishing sanitized, anonymous job details (location, photos, videos, and scope) to eligible Vendors without revealing Customer identity or direct contact info.
• Identity Verification & Safety: Vetting Vendors via uploaded driving licenses, commercial insurance, and business registration before allowing platform participation.
• Live Tracking & Navigation: Processing real-time GPS coordinates to provide directions, ETA updates, and verify physical arrival at the job site.
• Transaction Execution: Processing payments, platform service charges, convenience fees, and payouts via third-party payment processors upon entry of the 4-Digit Job Completion Code.
• Service Communications: Delivering operational updates, single-use OTPs (One-Time Passwords) via SMS/Email, transactional receipts, and platform notifications.
• Micro-Equity & Loyalty Administration: Tracking platform activity (bids, 5-star ratings, 90-day quality reviews) to calculate and award Vendor micro-equity units and referral rewards.
• Quality Assurance & AI Improvement: Training and refining the MCG AI Concierge tool to ensure precise job scoping while stripping personally identifiable information (PII).

4. How Information Is Disclosed & Shared

We enforce strict boundary controls on how data is shared across the platform:

Disclosures to Third-Party Service Providers

We share necessary data with trusted service providers bound by strict confidentiality obligations:

• Payment Processors: To store payment credentials and process payouts.
• Identity & Background Verification Vendors: To validate Driver’s Licenses, insurance policies, and business credentials.
• Communication Gateway Partners: SMS/Email gateways for OTP delivery and service updates.
• Legal Compliance & Harm Prevention: We may disclose data if required by law, subpoena, or to protect the safety, rights, or property of MCG, our users, or the public.

5. Location Permissions & Tracking Policy

• Foreground Location: Required for Customers to set pinpoint pickup or service locations, and for Vendors to identify nearby job opportunities.
• Background Location: When a job is active or in-transit (e.g., Rideshare, Mobile Mechanic, Towing), Vendors must enable background location to provide live tracking, accurate ETAs, and safety assurances to the Customer.
• User Control: Location permissions can be managed or revoked via Android/iOS system settings. Revoking permission may prevent core features (such as live tracking and job assignment) from functioning.

6. Data Retention & Security

• Security Measures: We use industry-standard encryption protocols (TLS/SSL in transit, AES-256 at rest) to protect sensitive uploads, including government IDs, licenses, and financial records.
• Retention Standard: We retain personal data for as long as your account remains active or as needed to provide services, resolve disputes, enforce contracts, and satisfy accounting or legal obligations. Verification documents are retained in accordance with state licensing standards and legal requirements.

7. Your Privacy Rights & Choices

• Access & Correction: You may view and update core profile details and verification documents via the App Settings or Dashboard.
• Account Deletion: You may request account deletion at any time through the App settings or by contacting privacy support. Upon request, we will deactivate your account and purge non-essential personal data, subject to legal document retention mandates.
• Opt-Out of Marketing: You can opt out of promotional communications at any time. System alerts, OTPs, and essential transactional notices cannot be opted out of while maintaining an active account.

8. Children’s Privacy

The Platform is intended strictly for individuals aged 18 and older (or the age of majority in your jurisdiction). We do not knowingly collect personal information from children under 18. If we identify that a minor has submitted personal data, we will take immediate steps to delete it.

9. Updates to This Privacy Policy

We may update this Privacy Policy periodically to reflect platform enhancements, operational changes, or statutory requirements. When revisions occur, we will update the "Last Updated" date at the top and issue an in-app notice or email for significant changes.