Privacy Policy

This Privacy Policy explains how we collect, use, disclose, retain, and protect personal information when you use our mobile personal finance tracker app, our online platform, and related services. By using this service, you acknowledge the practices described below.

We provide tools for organizing personal finances, including budget categories, expense visuals, and weekly insights. This service is not a bank, lender, investment adviser, tax adviser, or financial planner, and it does not provide individualized financial advice.

Information We Collect

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

• Account and profile information, such as a name or username and authentication details.
• Financial information that you choose to enter, such as budget amounts, categories, expense descriptions, dates, and transaction values.
• Usage and device information, such as app activity, device type, operating system, language, approximate location, IP address, crash reports, and diagnostic identifiers.
• Information relating to purchases, subscriptions, or app activity processed through the Apple App Store or Google Play, as made available to us by the relevant store.
• Information you provide when requesting assistance or otherwise communicating with us.

How We Use Information

We use personal information for purposes that include:

• Providing, operating, maintaining, and personalizing the app and its budgeting, expense visualization, and weekly insight features.
• Creating summaries, calculations, visualizations, reminders, and insights based on information you provide.
• Processing subscriptions, purchases, refunds, and service-related records through applicable app stores or payment providers.
• Diagnosing errors, monitoring performance, preventing fraud or misuse, and protecting the security of the service.
• Responding to requests, administering accounts, and providing customer support.
• Complying with legal obligations, enforcing our terms, and establishing, exercising, or defending legal claims.
• Improving existing features and developing new functionality using aggregated or de-identified information where reasonably possible.

Legal Bases for Processing

Where the General Data Protection Regulation or another applicable data protection law applies, we process personal information on one or more of the following legal bases:

• Performance of a contract or steps taken at your request before entering into a contract.
• Our legitimate interests, including securing, maintaining, and improving the service, provided those interests do not override your rights.
• Compliance with legal obligations.
• Your consent, where consent is required or requested. You may withdraw consent at any time, without affecting earlier processing.

Information Sharing

We do not sell personal information for monetary consideration. We may disclose information to:

• Service providers that host, secure, analyze, support, or operate parts of the service under contractual confidentiality and data protection obligations.
• Apple App Store, Google Play, and other relevant providers when necessary to process app distribution, purchases, subscriptions, or updates.
• Professional advisers, insurers, regulators, law enforcement authorities, or courts when required or permitted by law.
• A successor or transaction partner in connection with a merger, acquisition, financing, reorganization, sale of assets, or similar business transaction.

App Stores and Third-Party Services

The Apple App Store and Google Play operate independently and may collect information under their own privacy policies. We recommend reviewing the policies and privacy settings of your device, app store account, operating system, and any third-party service used with the app.

Cookies and Similar Technologies

Our online platform and app may use cookies, software development kits, pixels, local storage, and similar technologies to maintain functionality, remember preferences, understand usage, measure performance, and protect the service. Where required by law, we request consent before using non-essential technologies. You can manage certain permissions through your browser or device settings, although disabling them may affect functionality.

Data Retention

We retain personal information for as long as reasonably necessary to provide the service, maintain business and financial records, resolve disputes, enforce agreements, prevent misuse, and comply with legal obligations. Retention periods vary according to the type of information, its purpose, and applicable law. We securely delete or anonymize information when it is no longer required, subject to lawful exceptions.

Security

We use reasonable administrative, technical, and organizational safeguards designed to protect personal information against 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 required, we use appropriate safeguards for international transfers, such as adequacy decisions, standard contractual clauses, or another legally recognized transfer mechanism.

Your Privacy Rights

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

• Request access to, correction of, or deletion of your personal information.
• 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.
• Opt out of certain targeted advertising, sale, or sharing practices where those rights apply.
• Appeal a decision regarding a privacy request or lodge a complaint with a data protection authority.

To protect your information, we may verify your identity before completing a request. We will not discriminate against you for exercising applicable privacy rights. You may submit a privacy request by writing to our physical address below. You may also contact the data protection authority in your place of residence or work where permitted by 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, that age applies. If we learn that we collected information from a child in violation of applicable law, we will take reasonable steps to delete it.

Changes to This Policy

We may update this Privacy Policy to reflect changes in the service, legal requirements, or our information practices. The updated policy will be made available through our online platform or app. Your continued use of the service after an update means the revised policy applies to your use going forward.

Contact and Data Controller

For privacy questions or requests, write to the organization responsible for this service at: