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Privacy Policy

Last updated: October 15, 2023

1. Information We Collect

We collect several types of information to provide and improve our services to you:

Personal Information

When you create an account or use our services, we may collect:

• Contact information (name, email address, phone number)
• Account credentials (username and encrypted password)
• Profile information (profile picture, timezone, currency preferences)

Financial Information

To provide our core services, we collect:

• Transaction data (amounts, dates, categories, descriptions)
• Budget information (spending limits, savings goals)
• Financial account details (if you choose to connect external accounts)

Technical Information

We automatically collect certain information when you use our services:

• Device information (IP address, browser type, operating system)
• Usage data (pages visited, features used, time spent)
• Cookies and similar tracking technologies

2. How We Use Your Information

We use the information we collect for various purposes:

Purpose	Legal Basis
To provide and maintain our services	Performance of contract
To process transactions and send related information	Performance of contract
To send technical notices, updates, and security alerts	Legitimate interests
To respond to your comments and questions	Legitimate interests
To personalize your experience and provide content recommendations	Consent
To detect, prevent, and address technical issues and fraud	Legitimate interests

3. Information Sharing and Disclosure

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

With Your Consent

We will share your personal information with third parties when we have your explicit consent to do so.

Service Providers

We may employ third-party companies and individuals to facilitate our service, provide the service on our behalf, or assist us in analyzing how our service is used. These third parties have access to your personal information only to perform these tasks on our behalf and are obligated not to disclose or use it for any other purpose.

Legal Requirements

We may disclose your personal information if required to do so by law or in response to valid requests by public authorities (e.g., a court or a government agency).

4. Data Security

We implement appropriate technical and organizational security measures designed to protect your personal information against accidental or unlawful destruction, loss, alteration, unauthorized disclosure, or access. Our security measures include:

• Encryption of data in transit and at rest
• Regular security assessments and penetration testing
• Access controls and authentication mechanisms
• Security incident response procedures

While we strive to use commercially acceptable means to protect your personal information, we cannot guarantee its absolute security.

5. Data Retention

We will retain your personal information only for as long as is necessary for the purposes set out in this Privacy Policy. We will retain and use your information to the extent necessary to comply with our legal obligations, resolve disputes, and enforce our policies.

When we no longer need to process your personal information, we will either delete or anonymize it.

6. Your Data Protection Rights

Depending on your location, you may have the following rights regarding your personal information:

Right to Access

You have the right to request copies of your personal information.

Right to Rectification

You have the right to request that we correct any information you believe is inaccurate or complete information you believe is incomplete.

Right to Erasure

You have the right to request that we erase your personal information, under certain conditions.

Right to Restrict Processing

You have the right to request that we restrict the processing of your personal information, under certain conditions.

Right to Data Portability

You have the right to request that we transfer the data that we have collected to another organization, or directly to you, under certain conditions.

Right to Object

You have the right to object to our processing of your personal information, under certain conditions.

If you make a request, we have one month to respond to you. If you would like to exercise any of these rights, please contact us using the information below.

7. International Data Transfers

Your information, including personal information, may be transferred to — and maintained on — computers located outside of your state, province, country, or other governmental jurisdiction where the data protection laws may differ from those of your jurisdiction.

If you are located outside the United States and choose to provide information to us, please note that we transfer the data, including personal information, to the United States and process it there.

Your consent to this Privacy Policy followed by your submission of such information represents your agreement to that transfer.

8. Children's Privacy

Our service does not address anyone under the age of 13. We do not knowingly collect personally identifiable information from anyone under the age of 13. If you are a parent or guardian and you are aware that your child has provided us with personal information, please contact us. If we become aware that we have collected personal information from anyone under the age of 13 without verification of parental consent, we take steps to remove that information from our servers.

9. Changes to This Privacy Policy

We may update our Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on this page and updating the "Last updated" date.

We will let you know via email and/or a prominent notice on our service, prior to the change becoming effective and update the "effective date" at the top of this Privacy Policy.

You are advised to review this Privacy Policy periodically for any changes. Changes to this Privacy Policy are effective when they are posted on this page.

10. Contact Us