Privacy Policy

Introduction

Mugen Inc. ("Arno," "we," "us," or "our") provides CrossTalk by Arno, a language learning service. This Privacy Policy explains how we collect, use, disclose, and protect information when you use CrossTalk, create an account, purchase a subscription, or contact us.

By accessing or using CrossTalk, creating an account, or purchasing a subscription, you agree to this Privacy Policy and our Terms of Service.

Information We Collect

We collect information you provide directly, information created through your use of CrossTalk, and information we receive from service providers.

• Account information, such as your email address, user ID, authentication method, profile settings, and language preferences.
• Learning and service content, such as conversation text, audio, translations, grammar help requests, saved cards, mini-lessons, and other practice activity.
• Device and usage information, such as IP address, browser, device type, operating system, referring pages, pages viewed, feature usage, timestamps, diagnostics, and approximate location derived from your IP address.
• Billing and subscription metadata, such as payment provider, customer ID, subscription ID, transaction ID, receipt or order identifiers, subscription status, renewal date, cancellation state, refund state, currency, country, and tax-related information.
• Support communications, such as messages you send to us and related contact information.

We do not store full payment card numbers. Payment details are entered into and processed by payment providers such as Paddle, Apple, Google, or other providers used for checkout and subscription management.

Cookies and Similar Technologies

We may use cookies, local storage, and similar technologies to keep you signed in, remember preferences, understand how CrossTalk is used, improve performance, prevent fraud, and support billing flows. You can control cookies through your browser settings, but some features may not work correctly if cookies are disabled.

How We Use Information

We use information to:

• Provide, personalize, and improve CrossTalk.
• Save your account, language settings, conversations, learning cards, and progress.
• Generate language practice features, including translations, grammar help, feedback, and mini-lessons.
• Process subscriptions, verify entitlements, manage renewals, support cancellations, and respond to billing questions.
• Send service, security, billing, support, and product communications.
• Monitor reliability, debug issues, prevent fraud and abuse, and enforce our Terms of Service.
• Comply with legal, tax, accounting, and regulatory duties.

How We Share Information

We do not sell personal information for money. We also do not share personal information for cross-context behavioral advertising unless we separately disclose that practice and provide any opt-out rights required by law.

We may share information with vendors and service providers who help us operate CrossTalk, including hosting, database, analytics, security, artificial intelligence, audio processing, email, customer support, and payment providers. These providers may use information only as needed to provide services to us or as otherwise permitted by law.

For payments and subscriptions, we may share information with Paddle, Apple, Google, and other payment providers to process purchases, calculate taxes, prevent fraud, verify receipts, manage renewals, process refunds, handle chargebacks, and provide billing support.

We may disclose information if we believe it is reasonably necessary to comply with law, legal process, or governmental requests; enforce our Terms of Service; protect rights, safety, security, and property; investigate fraud or abuse; or protect CrossTalk and our users.

If we are involved in a merger, acquisition, financing, reorganization, bankruptcy, or sale of assets, information may be transferred as part of that transaction, subject to this Privacy Policy or a policy that provides materially similar protection.

Children's Privacy

CrossTalk is not directed to children under 13. We do not knowingly collect personal information from children under 13. If you believe a child under 13 has provided personal information to us, contact us at support@goarno.io and we will take appropriate steps to delete it.

Data Retention

We retain information for as long as needed to provide CrossTalk, maintain your account, comply with legal and tax duties, resolve disputes, enforce our agreements, and protect the service. We may retain some billing, transaction, security, and support records after account deletion when required by law or legitimate business needs.

Your Choices and Rights

You may update account information through CrossTalk or by contacting us. You may unsubscribe from marketing emails using the instructions in those emails. We may still send service, security, billing, and account messages.

Depending on where you live, you may have rights to access, correct, delete, or receive a copy of personal information, or to object to or restrict certain processing. To make a request, contact us at support@goarno.io. We may need to verify your identity before completing your request.

How We Protect Information

We use technical, administrative, and organizational safeguards designed to protect information. No online service can guarantee complete security, so you should use a strong password, keep your account credentials private, and contact us if you believe your account has been compromised.

International Processing

We may process and store information in the United States and other countries where we or our service providers operate. Those countries may have different data protection laws than your country.

Links and App Stores

CrossTalk may link to third party websites, app stores, checkout pages, or subscription management pages. Their privacy practices are governed by their own policies, not this Privacy Policy.

Changes to this Privacy Policy

We may update this Privacy Policy from time to time. We will post the updated policy on this page and update the date above. If we make material changes, we will provide reasonable notice.

Contact Us

If you have questions about this Privacy Policy, contact us at support@goarno.io.