Privacy Policy

1. Information We Collect

1.1 Information You Provide

We collect information you provide directly to us, including:

• Account Information: Name, email address, password
• Financial Information: Transaction data, account balances, income, expenses, and debt information you manually enter
• Profile Information: Preferences, settings, and other information you provide

1.2 Information from Financial Institutions

When you link your financial accounts through Plaid, we receive:

• Account information (account names, types, and numbers)
• Transaction history and details
• Account balances
• Account holder information

1.3 Automatically Collected Information

We automatically collect certain information when you use the Service:

• Usage Data: Pages visited, features used, time spent on pages
• Device Information: Browser type, operating system, device type
• Log Data: IP address, access times, error logs

2. How We Use Your Information

We use the collected information to:

• Provide, maintain, and improve the Service
• Process and categorize your financial transactions
• Generate financial insights and reports
• Send you notifications and alerts about your finances
• Respond to your comments, questions, and support requests
• Detect, prevent, and address technical issues and fraud
• Comply with legal obligations

3. Information Sharing and Disclosure

We do not sell, trade, or rent your personal information. We may share your information in the following circumstances:

• Service Providers: With third-party vendors who perform services on our behalf (e.g., Plaid for account aggregation, Supabase for data storage)
• Legal Requirements: When required by law or to respond to legal process
• Protection of Rights: To protect our rights, privacy, safety, or property
• Business Transfers: In connection with a merger, acquisition, or sale of assets
• With Your Consent: When you explicitly agree to the sharing

4. Data Security

We implement appropriate technical and organizational security measures to protect your information:

• Encryption of data in transit and at rest
• Secure authentication and password hashing
• Regular security audits and updates
• Limited access to personal information by employees
• Secure infrastructure provided by trusted cloud services

However, no method of transmission over the Internet or electronic storage is 100% secure. While we strive to protect your information, we cannot guarantee absolute security.

5. Third-Party Services

5.1 Plaid

We use Plaid Inc. to connect your financial accounts. Plaid's use of your information is governed by their Privacy Policy: https://plaid.com/legal/privacy/

5.2 Supabase

We use Supabase for data storage and authentication. Supabase's privacy practices are described in their Privacy Policy: https://supabase.com/privacy

6. Data Retention

We retain your information for as long as necessary to provide the Service and fulfill the purposes described in this Privacy Policy. When you delete your account, we will delete or anonymize your personal information within 30 days, unless we are required to retain it for legal purposes.

7. Your Rights and Choices

You have the following rights regarding your information:

• Access: Request a copy of your personal information
• Correction: Request correction of inaccurate information
• Deletion: Request deletion of your account and information
• Portability: Request your data in a portable format
• Opt-out: Opt-out of certain communications

8. California Privacy Rights (CCPA)

If you are a California resident, you have additional rights under the California Consumer Privacy Act (CCPA). To exercise your CCPA rights, contact us at privacy@financetracker.app

9. European Privacy Rights (GDPR)

If you are located in the European Economic Area (EEA), you have rights under the General Data Protection Regulation (GDPR):

• Right to access, rectify, or erase your personal data
• Right to restrict or object to processing
• Right to data portability
• Right to withdraw consent
• Right to lodge a complaint with supervisory authorities

10. Children's Privacy

The Service is not intended for individuals under the age of 18. We do not knowingly collect personal information from children under 18. If we learn that we have collected information from a child under 18, we will delete that information promptly.

11. Updates to This Privacy Policy

We may update this Privacy Policy from time to time. We will notify you of material changes by posting the new Privacy Policy on this page and updating the "Effective Date." We encourage you to review this Privacy Policy periodically.

12. Contact Us

If you have questions or concerns about this Privacy Policy or our privacy practices, please contact us at:

Data Protection Officer
Focus: Finance (The Portland Company)
Email: privacy@financetracker.app
Address: 123 Financial Way
San Francisco, CA 94105
Phone: 1-800-FINANCE

For EU residents, you may also contact our EU representative:
Focus: Finance EU Representative
Dublin, Ireland
Email: eu-privacy@financetracker.app