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, collectively referred to as “this service.”

This service provides budgeting tools, budget categories, expense visualization, and weekly financial insights. By using this service, you acknowledge the practices described in this Privacy Policy. Where required by law, we will request your consent before collecting or using personal information for a particular purpose.

Information We Collect

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

• Account and profile information, such as your name, account credentials, preferences, and selected currency or regional settings.
• Financial information that you choose to enter, such as income amounts, expenses, transaction descriptions, dates, merchants, account labels, budget categories, savings goals, and notes.
• Usage information, including features used, screens viewed, interactions with budgets and visualizations, and preferences within the app.
• Device and technical information, such as device type, operating system, app version, language, time zone, approximate location derived from technical settings, IP address, and identifiers used to maintain security and service functionality.
• Information you provide when requesting support, reporting a problem, or otherwise interacting with us.
• Information received from mobile app distribution platforms, such as the App Store or Google Play, when necessary to process an installation, purchase, subscription, update, or other platform-related event.

Financial Information

This service is designed to help you organize and understand financial information that you voluntarily provide. We do not require you to provide financial information unless it is needed for a feature you choose to use. You should enter only information that is appropriate for your use of the app and should not enter payment card numbers, bank login credentials, government identification numbers, or other highly sensitive information unless the relevant feature clearly requests it and appropriate safeguards are provided.

How We Use Information

We may use personal information to:

• Create and manage your account and provide the app’s budgeting, tracking, visualization, and weekly insight features.
• Calculate budgets, categorize expenses, generate summaries, and personalize financial insights based on information you provide.
• Maintain, troubleshoot, secure, and improve this service.
• Measure performance, understand usage trends, and develop new functionality.
• Process app installations, subscriptions, purchases, updates, and related transactions through applicable app stores.
• Detect, investigate, and prevent fraud, abuse, unauthorized access, security incidents, and violations of our terms.
• Comply with legal obligations, court orders, regulatory requirements, and lawful requests.

Legal Bases for Processing

For individuals in the European Economic Area, the United Kingdom, or other jurisdictions with similar requirements, we process personal information under one or more of the following legal bases:

• Performance of a contract, such as providing the features you request.
• Our legitimate interests, such as securing, maintaining, analyzing, and improving this service, where those interests are not overridden by your rights.
• Compliance with a legal obligation.
• Your consent, where consent is required or requested. You may withdraw consent at any time, although withdrawal does not affect processing that occurred before withdrawal.

Cookies, Analytics, and Similar Technologies

This service and its providers may use cookies, mobile software development kits, local storage, device identifiers, logs, and similar technologies to keep the app functioning, remember preferences, understand performance, detect abuse, and evaluate feature usage. Where required, we will request consent for non-essential technologies. You may be able to manage permissions through your device settings, app settings, or applicable privacy controls, although disabling certain technologies may affect functionality.

How We Share Information

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

• To service providers that host data, provide analytics, support app functionality, process transactions, maintain security, or perform other services on our behalf.
• To Apple, Google, and applicable app store operators when needed to distribute the app, process purchases, or support platform functionality. Their own privacy policies may also apply.
• To professional advisers, insurers, auditors, or authorities when reasonably necessary for legal, security, or compliance purposes.
• To a successor or acquiring entity in connection with a merger, acquisition, financing, reorganization, sale of assets, or similar business transaction, subject to applicable law.
• With your direction or consent, or when you intentionally make information available through a feature of this service.

Data Retention

We retain personal information for as long as reasonably necessary to provide this service, maintain business and financial records, resolve disputes, enforce agreements, prevent abuse, and comply with legal obligations. Retention periods vary according to the type and sensitivity of information, 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 practicable.

Security

We use reasonable administrative, technical, and physical safeguards designed to protect personal information against unauthorized access, loss, misuse, alteration, and disclosure. No app, transmission, or storage system is completely secure. You are responsible for protecting your device, account credentials, and any security features used to access this service.

International Data Transfers

We and our service providers may process personal information in the United States or other countries that may have data protection rules different from those in your country. When required, we use legally recognized safeguards for international transfers, 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 or object to certain processing.
• Request portability of information that you provided to us, where applicable.
• Withdraw consent where processing is based on consent.
• Lodge a complaint with a data protection authority or other applicable regulator.

To exercise applicable rights, please submit a written request to the physical address below. We may need to verify your identity before completing a request. We will not discriminate against you for exercising privacy rights, and we will respond within the time required by applicable law.

Children’s Privacy

This service is not directed to children under 13, and we do not knowingly collect personal information from children under 13. Where local law requires a higher minimum age for consent to data processing, that higher age applies. If we learn that we have collected information from a child in violation of applicable law, we will take reasonable steps to delete it.

Third-Party Services

This service may rely on third-party platforms, including mobile app stores, operating systems, analytics providers, hosting providers, and payment services. These third parties may collect or process information under their own privacy policies and terms. We encourage you to review the privacy information provided by any third-party service you use with the app.

Changes to This Privacy Policy

We may update this Privacy Policy to reflect changes in this service, legal requirements, or our information practices. The updated version will be made available through this service. Your continued use after an update becomes available means that you acknowledge the revised policy, except where applicable law requires additional notice or consent.

Contact and Written Privacy Requests

For privacy questions, rights requests, or concerns about this Privacy Policy, you may write to us at: