Privacy Policy

Who we are

teko is an app for learning to invest, operated by Teko Tech Pte. Ltd., Singapore ("we"). It combines lessons and market news with a practice portfolio that uses virtual money. teko does not hold or invest real money. This policy explains what data we collect when you use teko, why, and the choices you have. It applies to the teko app and to our website, getteko.com. Most of it describes the app. The section "This website" near the end covers what the website does differently.

Data we collect

Account data: your name, the email you sign in with, and - only if you choose to add one - a profile picture you pick from your photo library. Learning data: completed lessons, streaks, quiz answers, pinned items, the goals you select during onboarding, and your reminder preferences. Practice investing data: every practice trade and order you place, your practice cash balance, the points you earn and spend, the predictions you make, and a daily record of what your practice portfolio was worth. Friends: if you add someone (by sending them your link or code and their accepting it, or vice versa), we store that connection, and each of you can see which practice holdings the other has - never the amounts. Either of you can remove the connection at any time, and then neither sees the other. Nobody else sees your friends or your holdings, and we never read your contacts. Technical data: device type, app version, language, crash diagnostics, sampled performance timings, a random identifier for the app installation, and - if you turn reminders on - a notification token for your device. Our own app usage and client-error events carry your account or guest user ID; an error event includes its message and whether it was fatal. The country recorded with those events comes only from your device's language-region setting, not GPS or an IP lookup; we do not store an IP address with those events. We do not browse your photo library (you pick one picture and we receive only that one), and we do not collect your contacts, precise location, or advertising identifiers. We do not track you across other apps. teko never asks for a bank account, card or brokerage login, because there is no real money anywhere in the app.

How we use it

To operate your account and sync progress across devices; to send the one-time sign-in codes you request; to send the reminders you opt in to (Quiz Night and your learning streak); to show your profile picture inside the app; to run your practice portfolio - executing your practice trades, pricing what you hold, and recording each day's value so the app can show you how it changed; to personalize which learning content and news summaries you see first; to choose which prediction questions you see first, using what your practice portfolio holds and the assets you pin - a calculation teko makes itself, inside teko, and never sends to any AI provider; and to fix bugs. We never sell or rent your personal data, and we don't show third-party advertising.

Legal basis

teko is operated from Singapore, so Singapore's Personal Data Protection Act applies to us. teko is also made for people in Vietnam, and Vietnam's Law on Personal Data Protection (Law No. 91/2025/QH15, in force since 1 January 2026, together with its implementing decree) reaches organisations outside Vietnam that process the personal data of people in Vietnam - so it applies to you too. Being based elsewhere does not change that.

Under the Vietnamese law we process your data with your consent: given when you create an account, and separately for anything optional such as notifications. You can withdraw it at any time without giving a reason, and withdrawing it does not make what we did beforehand unlawful.

If you are in the UK or the EEA, the UK GDPR and the GDPR also apply, and our bases there are: performing the contract you signed up for, our legitimate interest in keeping the service safe and improving it, and your consent for anything optional.

AI features

Lessons, daily market summaries, prediction questions and quiz questions are generated with AI and pass automated fact-checking before publication. Our AI provider is OpenAI. When you use Ask teko, we send the question you type, your learning streak, selected goal, display currency and language. To prepare daily AI starters, we send your language, goal, investment horizon, the tickers you watch and the title of your current lesson. Once when you sign up, the first-lesson generator sends your four onboarding answers: experience, how you feel about money, what holds you back and your goal. We do not add your name, email or account ID to these requests; information you choose to type in a question or answer may still be included. Your practice portfolio is never part of this: teko Intelligence, the summary you see on your portfolio, is calculated by teko from your own trades, and we do not send your holdings, trades, orders or balances to any AI provider.

We do not save Ask teko questions in our database or function logs. The chat stays in the app's memory and disappears when you close that screen; we keep only a per-user daily request count for the rate limit. Ask teko requests set store=false at OpenAI, so they are not saved as stored responses. OpenAI does not use API content to train its models by default, but under its standard API terms it may retain content in abuse-monitoring logs for up to 30 days, or longer when required by law or to protect its services or others.

Who we share with

Only service providers who process data on our behalf: a cloud provider that hosts our database, file storage and sign-in in Singapore and delivers your sign-in codes by email; the notification services of Apple and of our app platform, for the notifications you opt in to; OpenAI, for AI features, as described above; and Sentry, for crash and performance diagnostics. Sentry receives the error and screen when a failure occurs, app version, device model, system version, sampled performance timings, and a random identifier for that app installation. This identifier is not your account ID and is not connected to your name or email; default personal-data collection is off. We use Sentry data for app functionality and diagnostics, not tracking. We use no third-party product analytics or advertising services in the app. Our own usage and client-error events stay in our database and carry your account or guest user ID. We disclose data to authorities only when legally required.

Market prices, company news and exchange rates come from third-party market data providers. We ask them about instruments, not about you.

How long we keep it

For as long as your account exists. If you delete your account, everything personal to you is deleted from our live systems right away: your profile and profile picture, your lessons, streaks and quiz history, your practice trades, orders, balances and daily portfolio history, your points, your predictions, and the notification token for your device, so the app stops being able to reach your phone. Backups we made before that, which we keep only to recover from a failure, can still contain it until those backups are deleted. Aggregated, non-identifying statistics (e.g. how many players joined a quiz) may be retained.

Security

Data is encrypted in transit, access is restricted by row-level security (your rows are readable by your account alone), and sign-in uses one-time codes instead of stored passwords. If you turn on the Face ID lock, the check happens entirely on your device through Apple's system - teko never receives, sees or stores your biometric data. So the app can recognise you after a sign-out or a reinstall, your phone keeps your first name and sign-in email in the device's own secure storage (Keychain). It never leaves the phone; tapping Start fresh on the welcome screen or deleting your account removes it.

Your rights

You can access, correct or delete your data at any time: your name, picture and preferences in the app's profile, everything else via support@tekoinvest.com. Deleting your account (profile > Delete account) exercises your right to erasure. Depending on where you live you may also have rights to data portability and to lodge a complaint with a supervisory authority.

Children

teko is not directed at children. Under Vietnamese personal data law a child is anyone under 16, and a child's personal data may only be processed with the consent of a parent or guardian - so you must be 16 or older to open an account on your own. If we learn we hold an account belonging to someone under 16 without that consent, we delete it and everything in it.

International transfers

Your data is stored in Singapore. Some of our service providers process data in other countries, including the United States and the European Union. Where data moves across borders to them, we rely on their standard contractual safeguards.

This website

getteko.com is our public website. You can read it without an account, and it does not ask for your name. It uses Google Analytics, a service of Google, to count visits and see which pages are read. For that, Google sets cookies in your browser and receives the pages you open, your type of device and browser, and an approximate location derived from your internet address. We use these numbers only in aggregate, to improve the site. We do not use them for advertising and we do not combine them with your teko account. Google processes this data on its own servers, which may be outside Singapore and Vietnam. You can block this in your browser's settings or with Google's opt-out add-on, and the site works the same.

Launch-waitlist signup is now closed. If you registered previously, we use your email only for the teko launch notification and delete the list after that notification. You can request removal at any time at support@tekoinvest.com. Existing registration details, including referral codes and counts, are retained for their original purpose until the list is deleted. Joining the waitlist did not enrol you in TestFlight. If you previously chose the beta, Apple's TestFlight terms and privacy policy apply.

Changes to this policy

If we change this policy in a meaningful way, we will announce it in the app before the change takes effect.

Contact

Questions or requests about your data: support@tekoinvest.com. This address also reaches our Data Protection Officer.