1. Introduction

Spendly Budget is committed to protecting your privacy and financial data. This Privacy Policy describes how we collect, use, store, and protect your information when you use our services. We comply with all applicable privacy laws, including GDPR and CCPA.

2. Information We Collect

Personal Information: Name, email address, encrypted password, profile settings.
Financial Data: Budget amounts, categories, income, expenses, goals, recurring payments.
Usage Data: Device/browser info, IP address, location, usage patterns, logs, error reports.
Cookies & Tracking: Session cookies, analytics, and security tracking. See Section 8.

3. How We Use Your Information

Provide and improve our budgeting services
Process your financial data and generate insights
Send service notifications and updates
Respond to support requests
Ensure security, prevent fraud, and comply with legal obligations

4. Data Security

End-to-end encryption for all data transmission
Encrypted storage of sensitive financial information
Regular security audits and software updates
Secure authentication and access controls
Employee training and incident response procedures

While we use industry-standard measures, no method of transmission or storage is 100% secure.

5. Data Sharing and Disclosure

Service Providers: With trusted third-party providers for hosting, analytics, payment processing, and support.
Legal Requirements: When required by law or to protect our rights and users' safety.
Business Transfers: In connection with a merger, acquisition, or sale of assets.
With Consent: When you explicitly consent to sharing your information.

All third parties are bound by strict confidentiality and data protection agreements.

6. Data Retention

Account information is retained while your account is active.
Financial data is retained for the duration of your subscription.
Usage logs are retained for up to 12 months.
Deleted accounts are permanently removed within 30 days.

7. Your Rights and Choices

Access: Request a copy of your personal data.
Correction: Request correction of inaccurate or incomplete data.
Deletion: Request deletion of your personal data.
Export: Export your data in a machine-readable format.
Restriction: Request restriction of processing in certain circumstances.
Objection: Object to processing based on legitimate interests.

To exercise these rights, contact us at the email below.

8. Cookies and Tracking

Session cookies for authentication and security
Analytics cookies to improve user experience
Tracking for fraud prevention and compliance

You can control cookies through your browser settings. Some features may not work properly if cookies are disabled.

9. International Data Transfers

Your information may be transferred to and processed in countries other than your own. We ensure appropriate safeguards are in place, including Standard Contractual Clauses and compliance with local laws.

10. Children's Privacy

Our service is not intended for children under 16. We do not knowingly collect personal information from children under 16. If we discover such data, we will delete it immediately.

11. Changes to This Privacy Policy

We may update this policy periodically.
Material changes will be communicated via email or in-app notification.
We encourage you to review this policy regularly.

12. Contact Us

Email: spendlybudget@gmail.com

We will respond to your inquiry within 30 days.