Privacy Policy

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

Our app helps users organize personal finances through budget categories, expense visuals, and weekly insights. By using this service, you acknowledge the practices described in this Privacy Policy.

Information We Collect

We collect only information reasonably necessary to provide, secure, maintain, and improve the service. Depending on how you use the app, this may include:

• Account information, such as a name, username, login credentials, or other details used to create and manage an account.
• Financial tracking information that you enter, such as budgets, categories, transaction descriptions, amounts, dates, and expense records.
• Preferences and settings, including notification choices, currency preferences, and selected budget categories.
• Device and technical information, such as device type, operating system, app version, language, time zone, approximate location derived from device settings, IP address, and unique device or advertising identifiers where permitted.
• Usage information, such as features viewed, interactions with weekly insights, crash reports, diagnostic data, and general app performance information.
• Information you provide when requesting support or otherwise communicating with us.

Information We Do Not Collect Through Account Linking

Unless the app expressly provides a separate feature and gives you appropriate notice, this service does not require you to connect a bank account, provide online banking credentials, or authorize access to financial institutions. You should not enter account passwords, payment card security codes, or other highly sensitive credentials into free-text fields.

How We Use Information

We may use personal information for the following purposes:

• To create and manage your account and provide budgeting, expense-tracking, visualization, and weekly insight features.
• To save and display the financial information you choose to record in the app.
• To personalize your experience and improve the accuracy, usability, and relevance of app features.
• To operate, maintain, troubleshoot, test, and secure the service.
• To detect, prevent, and investigate fraud, abuse, unauthorized access, and violations of applicable terms.
• To understand aggregate usage trends and develop new products and features.
• To comply with legal obligations and enforce our rights.

Legal Bases for Processing

Where the GDPR applies, we process personal information on one or more of these legal bases: performance of a contract with you, our legitimate interests in operating and securing the service, compliance with legal obligations, and your consent where consent is required. You may withdraw consent at any time, although withdrawal does not affect processing that occurred before withdrawal.

Financial Information and User Responsibility

Information entered into the app may reveal aspects of your financial circumstances. We use it to provide the features you request, but the app is not a bank, accounting firm, investment adviser, credit counselor, or financial institution. Weekly insights and other displays are informational only and are not financial, investment, tax, legal, or other professional advice. You are responsible for reviewing entries for accuracy and keeping your account credentials secure.

How We Share Information

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

• To service providers that host data, provide infrastructure, process diagnostics, support the app, or help us analyze service performance. These providers may use information only as necessary to perform services for us and must protect it appropriately.
• To Apple, Google, and other platform providers when necessary for app distribution, authentication, payments, subscriptions, crash reporting, or platform functionality. Their privacy practices are governed by their own policies.
• To comply with a valid legal process, government request, court order, or applicable law.
• To protect the rights, safety, property, and security of users, the service, or others.
• In connection with a merger, acquisition, financing, reorganization, sale of assets, or similar business transaction, subject to appropriate confidentiality and legal protections.

App Stores and Third-Party Services

The app may be downloaded through the Apple App Store or Google Play. Those platforms may collect information about your device, downloads, purchases, and use of their services. We do not control their data practices. Please review the privacy policies and terms provided by the relevant platform before downloading or using the app.

Data Retention

We retain personal information for as long as reasonably necessary to provide the service, maintain legitimate business and security records, resolve disputes, enforce agreements, and comply with legal obligations. Retention periods vary according to the type of information, its sensitivity, the purpose for which it was collected, and applicable legal requirements. When information is no longer needed, we delete it, anonymize it, or securely isolate it where deletion is not immediately practical.

Security

We use reasonable administrative, technical, and organizational safeguards designed to protect personal information from unauthorized access, alteration, disclosure, and destruction. No method of transmission or storage is completely secure, so we cannot guarantee absolute security.

International Data Transfers

We are based in the United States, and personal information may be processed in the United States or other countries where we or our service providers operate. When information is transferred from the European Economic Area, the United Kingdom, or Switzerland, we use a lawful transfer mechanism where required, such as an adequacy decision or standard contractual clauses, together with appropriate safeguards.

Your Privacy Rights

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

• Request access to the personal information we hold about you.
• Request correction of inaccurate or incomplete information.
• Request deletion of your personal information, subject to legal exceptions.
• Request restriction of, or object to, certain processing.
• Request a portable copy of information you provided to us, where applicable.
• Withdraw consent where processing is based on consent.
• Opt out of certain targeted advertising or sale or sharing activities where applicable. We do not knowingly sell personal financial tracking information.
• Appeal a decision regarding a privacy request where applicable.

To exercise a right, please provide a written request to the physical address below. We may need to verify your identity before completing a request. You may also have the right to lodge a complaint with a data protection authority, including an authority in the place where you live, work, or believe a violation occurred.

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 requires a higher minimum age for processing without parental consent, that higher age applies. If you believe a child has provided personal information unlawfully, please send a written notice to the physical address below.

Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in the service, technology, law, or our practices. The updated version will be posted through the service with a revised publication notice where appropriate. Your continued use of the service after an update becomes effective means that you acknowledge the revised policy.

Contact and Privacy Requests

Written privacy requests may be sent to:

This Privacy Policy is intended to provide transparent information about our data practices and does not limit any rights you may have under applicable privacy or consumer-protection laws.