Privacy Policy

This Privacy Policy explains how the operator of this service collects, uses, discloses, and protects personal information when you use our online platform and mobile personal finance tracker app.

The app is designed to help you organize personal finances through budget categories, expense visuals, and weekly insights. It is not a bank, investment service, credit provider, or financial adviser.

Information We Collect

Depending on how you use the service, we may collect the following categories of information:

• Account information, such as a name, username, authentication details, and other information used to create or secure an account.
• Financial information that you choose to enter, including income amounts, expense amounts, transaction descriptions, dates, budget categories, and financial goals.
• Usage information, such as selected budgeting preferences, interactions with expense visuals, weekly insights, app settings, and feature activity.
• Device and technical information, such as device type, operating system, app version, language, time zone, crash data, and approximate location inferred from technical settings where permitted.
• Information you provide when requesting support, reporting a problem, or exercising a privacy right.

Information We Do Not Intentionally Collect

The service is not intended to collect bank account passwords, payment card security codes, government identification numbers, or full bank login credentials. Please do not enter information that is not necessary for using the app. If a feature permits an external financial connection in the future, that connection will be governed by additional disclosures and the applicable provider's terms.

How We Use Information

We may use personal information to:

• Provide, operate, maintain, and personalize the app and its budgeting features.
• Create expense visuals, calculate budget summaries, and provide weekly insights based on information you submit.
• Authenticate users, protect accounts, prevent fraud, and maintain the security of the service.
• Diagnose errors, measure performance, and improve functionality and usability.
• Respond to support requests and administer requests relating to privacy or data protection.
• Comply with legal obligations, enforce applicable terms, and protect the rights, property, and safety of users and the service.

Legal Bases for Processing

Where the General Data Protection Regulation or similar laws apply, we process personal information on one or more of these legal bases:

• Contract: to provide features and services you request.
• Legitimate interests: to secure, operate, analyze, and improve the service, provided those interests do not override your rights.
• Consent: where consent is required, including for certain optional analytics, marketing, or device permissions.
• Legal obligation: to comply with applicable laws and lawful requests.

Financial Information and User Responsibility

Financial details entered into the app may be sensitive personal information. We use that information to provide the budgeting and insight features you request. You are responsible for ensuring that the information you enter is accurate and for using appropriate device security, including a passcode, biometric protection, and current operating-system security updates.

Sharing of Information

We do not sell personal information. We may disclose information in the following circumstances:

• To service providers that host data, provide analytics, support app functionality, secure systems, or assist with operations under contractual confidentiality and data-protection obligations.
• To Apple, Google, and other relevant app distribution or operating-system providers as necessary for downloading, updating, authenticating, or using the app. Their own privacy policies may also apply.
• To comply with law, legal process, court orders, or valid governmental requests.
• To protect users, investigate fraud or abuse, enforce agreements, or protect the service and its legal rights.
• In connection with a merger, acquisition, financing, reorganization, sale of assets, or similar business transaction, subject to appropriate safeguards.

Cookies and Similar Technologies

Our online platform may use essential cookies or similar technologies to support security, functionality, preferences, and performance. Where required by law, we will request consent before using non-essential technologies. You can manage cookies through your browser settings, although disabling them may affect site functionality.

Data Retention

We retain personal information only for as long as reasonably necessary for the purposes described in this policy, including providing the service, maintaining legitimate business records, resolving disputes, enforcing agreements, and meeting legal, accounting, or security requirements. When information is no longer needed, we delete it, anonymize it, or securely isolate it where deletion is not immediately practicable.

Security

We use reasonable administrative, technical, and organizational safeguards designed to protect personal information against unauthorized access, loss, misuse, alteration, or disclosure. No internet transmission or storage system is completely secure, and we cannot guarantee absolute security.

International Data Transfers

Personal information may be processed in the United States or other countries where we or our service providers operate. Where required, we use legally recognized safeguards for transfers of personal information across borders, such as adequacy decisions, standard contractual clauses, or another lawful transfer mechanism.

Your Privacy Rights

Depending on your location and applicable law, you may have the right to:

• Request access to personal information we hold about you.
• Request correction of inaccurate or incomplete information.
• Request deletion of personal information, subject to legal and operational exceptions.
• Request restriction of processing or object to processing based on legitimate interests.
• Receive certain information in a portable format.
• Withdraw consent where processing is based on consent, without affecting prior processing.
• Lodge a complaint with a data-protection authority, particularly in the country where you live, work, or believe a violation occurred.

To submit a privacy request, write to the service operator at the following physical address. We may need to verify your identity before completing a request and will respond within the period required by applicable law.

Children’s Privacy

The service is not directed to children under 13, and we do not knowingly collect personal information from children under 13. Where applicable law sets a higher minimum age for consent to processing, we follow that requirement. If we learn that we collected information from a child without appropriate authorization, we will take reasonable steps to delete it.

App Store and Google Play Services

The app may be distributed through the Apple App Store and Google Play. Those platforms may collect information about downloads, devices, purchases, updates, and app usage under their own privacy policies. This policy does not replace the privacy terms of those platforms.

Changes to This Policy

We may update this Privacy Policy when our practices, features, or legal obligations change. The revised policy will be made available through our online platform. Your continued use of the service after an update means that you acknowledge the revised policy to the extent permitted by law.

Contact and Data Protection Requests

For questions about this Privacy Policy or to exercise an applicable privacy right, contact the service operator by mail at: