Privacy Policy

This Privacy Policy explains how our company collects, uses, shares, and protects personal information when you use our mobile personal finance tracker app, our online platform, and related services.

Our service provides budget categories, expense visualisations, weekly insights, and links to download the app through the Apple App Store and Google Play. By using the service, you acknowledge the practices described in this Privacy Policy.

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 account identifier you choose to provide.
• Financial information that you enter into the app, including income or expense amounts, transaction descriptions, dates, budget categories, and related notes.
• Usage information, such as the features you view, interactions with budget tools, and preferences within the app.
• Device and technical information, such as device type, operating system, app version, language, approximate location derived from technical data, crash information, and mobile identifiers where permitted by applicable law.
• Information provided through an app store or platform when you download, update, or use the service, subject to that platform’s privacy practices.

You should not enter full bank account numbers, payment card numbers, login credentials, government identification numbers, or other highly sensitive information unless the service specifically requests it and provides appropriate safeguards.

How We Use Information

We use personal information for purposes that include:

• Providing, operating, and maintaining the personal finance tracker app.
• Calculating budget summaries, generating expense visualisations, and preparing weekly insights.
• Personalising features and remembering your settings and preferences.
• Diagnosing errors, improving performance, testing features, and developing new services.
• Protecting the service, preventing fraud or misuse, and enforcing applicable terms.
• Complying with legal obligations and responding to lawful requests.

Legal Bases for Processing

Where the General Data Protection Regulation or a similar law applies, we process personal information on one or more of these legal bases:

• Performance of a contract, such as providing requested app functionality.
• Legitimate interests, such as securing, maintaining, and improving the service, where those interests are not overridden by your rights.
• Consent, where we request it for a specific purpose. You may withdraw consent at any time, without affecting processing that occurred before withdrawal.
• Compliance with legal obligations.

Financial Information

Financial information entered into the app is used to provide budgeting tools, expense visuals, and weekly insights. Unless the service expressly states otherwise, we do not connect directly to your bank account or make financial decisions on your behalf. The service is for personal organisation and informational purposes and is not financial, investment, tax, or legal advice.

Cookies and Similar Technologies

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

How We Share Information

We may share information in the following circumstances:

• With service providers that host, secure, analyse, support, or maintain the service under contractual confidentiality and data protection obligations.
• With Apple, Google, or other relevant app distribution platforms as necessary to provide downloads, updates, authentication, or platform functionality.
• When required by law, legal process, court order, or a valid governmental request.
• To protect the rights, safety, property, and security of our company, users, or others.
• In connection with a merger, acquisition, financing, restructuring, sale of assets, or similar business transaction, subject to appropriate safeguards.

We do not sell personal information for money. Where applicable law treats certain advertising or analytics disclosures as a sale or sharing of personal information, you may exercise the rights provided by that law.

International Data Transfers

Our company and service providers may process 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 recognised transfer mechanisms and reasonable safeguards for international transfers.

Data Retention

We retain personal information only for as long as reasonably necessary to provide the service, fulfil the purposes described in this policy, resolve disputes, enforce agreements, maintain security, and meet legal or accounting requirements. 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 organisational measures designed to protect personal information against unauthorised access, alteration, disclosure, and destruction. No method of storage or transmission is completely secure, so we cannot guarantee absolute security.

Your Privacy Rights

Depending on where you live, you may have the right to:

• Access the personal information we hold about you.
• Correct inaccurate or incomplete information.
• Request deletion of personal information, subject to legal exceptions.
• Restrict or object to certain processing.
• Receive a portable copy of certain information.
• Withdraw consent where processing is based on consent.
• Lodge a complaint with a data protection authority.

To exercise an applicable right, submit a request through the physical address below. We may need to verify your identity before completing a request. You may appeal a decision where required by applicable law, and you will not be discriminated against for exercising your privacy rights.

Children’s Privacy

The service is not directed to children under the age required by applicable law. We do not knowingly collect personal information from children without legally required consent. If you believe a child has provided personal information, please contact us at the physical address below so that we can take appropriate steps.

Third-Party Services

The service may link to or rely on third-party services, including app stores and operating-system providers. Their privacy practices are governed by their own policies, and we encourage you to review those policies before using their services.

Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in the service, law, or our data practices. We will post the revised policy through the service and update the policy’s content when changes are made. Your continued use of the service after an update means that you have reviewed the revised policy.

Contact Us

For privacy questions, requests, or concerns, contact our company by mail at: