Privacy Policy

This Privacy Policy explains how we collect, use, disclose, and protect personal information when you visit our site, download or use our mobile personal finance tracker app, or otherwise interact with our online platform.

We are committed to handling personal information transparently and in accordance with applicable privacy laws, including the General Data Protection Regulation where it applies, the California Consumer Privacy Act as amended, and other applicable United States privacy requirements.

Information We Collect

Depending on how you use our site and app, we may collect the following categories of information:

• Information you provide, such as an account identifier, preferences, budget categories, expense records, notes, and financial goals.
• App and device information, such as device type, operating system, app version, language, time zone, unique device identifiers, crash information, and diagnostic data.
• Usage information, such as the features you view or use, interactions with budget categories and expense visuals, and general activity within the app.
• Information collected through our site, such as browser type, approximate location derived from an IP address, referring pages, and interactions with download or store buttons.
• Information provided when you contact us or submit a privacy request, including the contents of your request and information needed to verify your identity.

Our app is designed to help you organize financial information. You should avoid entering account passwords, payment card numbers, government identification numbers, or other information that the app does not specifically request. We do not sell financial products or provide financial, tax, or investment advice.

How We Use Personal Information

We may use personal information to:

• Provide, operate, maintain, and improve our site and app.
• Create budget categories, expense visualizations, weekly insights, and other features you request.
• Personalize app settings and remember your preferences.
• Monitor performance, troubleshoot errors, prevent fraud, and protect the security of our services.
• Respond to requests, administer accounts, and provide service-related notices.
• Understand usage trends and develop new products and features.
• Comply with legal obligations and establish, exercise, or defend legal claims.

Legal Bases for Processing

Where the GDPR applies, we process personal information when it is necessary to provide the app or perform a contract with you, based on your consent, to comply with a legal obligation, or for our legitimate interests, such as securing and improving our services. Where we rely on consent, you may withdraw it at any time, although withdrawal does not affect processing that occurred before withdrawal.

Financial Information and User Content

Information you enter into the app may reveal spending patterns, financial priorities, or other personal circumstances. We use this information to provide the app's budgeting, expense visualization, and weekly insight features. We do not use this information to make decisions about your eligibility for credit, insurance, employment, housing, or similar opportunities.

Cookies and Similar Technologies

Our site may use cookies, local storage, pixels, and similar technologies to keep the site functioning, remember preferences, understand traffic, and measure the effectiveness of app-download features. You can control cookies through your browser settings. Disabling certain technologies may affect site functionality.

Sharing Personal Information

We may disclose personal information to:

• Service providers that host, secure, analyze, support, or operate our site and app under contractual confidentiality and data-protection obligations.
• Apple App Store and Google Play when you download or update the app. Their handling of information is governed by their own privacy policies and terms.
• Professional advisers, insurers, auditors, or business partners when reasonably necessary for business operations.
• Government authorities, courts, or other parties when required by law or necessary to protect rights, safety, property, or the integrity of our services.
• A successor organization in connection with a merger, acquisition, financing, restructuring, sale of assets, or similar transaction.

We do not sell personal information for monetary consideration. Where applicable law treats certain interest-based advertising or analytics disclosures as a sale or sharing of personal information, you may contact us using the physical address below to request information about available choices.

Data Retention

We retain personal information only for as long as reasonably necessary for the purposes described in this policy, including to provide the app, maintain business and tax records, resolve disputes, enforce agreements, prevent misuse, and comply with legal obligations. Retention periods vary according to the type and sensitivity of the information and whether an account remains active.

Security

We use reasonable administrative, technical, and physical safeguards designed to protect personal information against unauthorized access, loss, misuse, alteration, or disclosure. No website, application, or transmission method is completely secure, so 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. When required by law, we use appropriate safeguards for international transfers, such as contractual protections or other legally recognized transfer mechanisms.

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 personal information, subject to legal exceptions.
• Request restriction of processing or object to certain processing.
• Request a portable copy of information you provided where applicable.
• Withdraw consent where processing is based on consent.
• Opt out of certain targeted advertising, sale, or sharing activities where applicable.

To submit a request, write to us at the physical address below. We may need to verify your identity before completing a request. You may also have the right to appeal a decision or complain to your local data-protection authority. We will not discriminate against you for exercising applicable privacy rights.

Children's Privacy

Our site and app are not directed to children under 13, and we do not knowingly collect personal information from children under 13. If you believe a child has provided personal information, please contact us at the physical address below so that we can take appropriate action.

Third-Party Services and Links

Our site may link to the Apple App Store, Google Play, or other third-party services. We are not responsible for the privacy practices, content, or security of those services. Please review their privacy policies before providing information.

Changes to This Policy

We may update this Privacy Policy from time to time to reflect changes in our services, legal requirements, or privacy practices. The updated version will be posted on our site, and the revised policy will apply from the date it is published unless a different effective date is stated.

Contact Us

For privacy questions or requests, contact us by mail at: