Privacy Policy

This Privacy Policy describes how Spend Wise collects and uses your personal information. We are committed to protecting your privacy and handling your data responsibly. Please read this policy carefully to understand our practices regarding your personal information and how we safeguard it.

Information We Collect

We collect information to provide, maintain, and improve our services. The types of information we gather include:

• Account information: name, email address, phone number, and password when you register
• Financial data: expense records, spending categories, budgets, and transaction details you voluntarily enter
• Usage information: pages visited, features used, time spent on our site, and click patterns
• Device information: IP address, browser type, operating system, and device identifiers
• Location data: general geographic location based on IP address for service optimization
• Communication data: messages, feedback, and support requests you send to us

How We Use Your Information

We use the information we collect for various purposes to enhance your experience and improve our services. Your data helps us:

• Provide and personalize our expense tracking and budgeting services
• Generate spending insights, analysis, and cost-cutting recommendations
• Authenticate your account and maintain security
• Respond to your inquiries and provide customer support
• Send service updates, policy changes, and important notifications
• Analyze trends in spending patterns to improve our features
• Comply with legal obligations and prevent fraud

Cookies and Tracking Technologies

We use cookies and similar technologies to enhance your browsing experience and analyze how you interact with our platform. These technologies help us remember your preferences, maintain your session, and understand usage patterns. Cookies are small files stored on your device that enable us to recognize you on return visits. You can control cookie settings through your browser, though disabling them may affect functionality. We use both session-based cookies that expire when you close your browser and persistent cookies that remain for longer periods.

Your Rights and Choices

You have rights regarding your personal information and how we handle it. You can:

• Access your personal data and request a copy of the information we hold
• Correct or update inaccurate or incomplete information
• Delete your account and associated personal data
• Withdraw consent for specific data processing activities
• Request we stop using your data for marketing purposes
• Object to automated decision-making or profiling

To exercise these rights, please contact us using the information provided below. We will respond to your request within 30 days.

Data Security

We implement industry-standard security measures to protect your personal information from unauthorized access, alteration, disclosure, or destruction. Our security practices include encryption of sensitive data, secure server infrastructure, and restricted access to personal information. However, no method of transmission over the internet is completely secure, and we cannot guarantee absolute security. We encourage you to use strong passwords and maintain confidentiality of your account credentials.

Third-Party Services

We may use third-party service providers to help us deliver our services, including payment processors, analytics providers, and cloud hosting services. These providers are contractually obligated to use your information only as necessary to provide services to us and must maintain the confidentiality and security of your data. We do not sell or share your personal information with third parties for marketing purposes without your explicit consent.

Policy Updates

We may update this Privacy Policy periodically to reflect changes in our practices, technology, legal requirements, or other factors. When we make material changes, we will notify you by email or through a prominent notice on our website. Your continued use of our services after such modifications constitutes your acceptance of the updated policy. We encourage you to review this policy regularly to stay informed about how we protect your information.