Privacy Policy 🔒

Our Commitment to Your Privacy 🛡️

At Spendal, we believe your financial data belongs to you. We're committed to transparency about how we collect, use, and protect your information. This privacy policy explains our practices in clear, understandable terms.

Information We Collect 📊

Account Information

• • Name and email address for account creation
• • Password (encrypted and never stored in plain text)
• • Profile preferences and settings

Financial Data

• • Transaction details you manually enter or import
• • Category assignments and custom tags
• • Budget goals and financial targets
• • Receipt images (processed and encrypted)

Usage Information

• • App usage patterns and feature interactions
• • Device information (type, OS, browser)
• • IP address and general location (for security)
• • Performance and error data (anonymized)

How We Use Your Information 🎯

Data Security Measures 🔐

Your Rights & Controls ⚖️

Data Rights

• • Access: Request a copy of your data
• • Correction: Update incorrect information
• • Deletion: Delete your account and data
• • Portability: Export your data
• • Objection: Opt out of certain data processing

Privacy Controls

• • Granular privacy settings in your account
• • Opt-out of non-essential data collection
• • Control data sharing preferences
• • Set data retention preferences

Data Sharing & Third Parties 🤝

Limited Sharing Scenarios

• • Service Providers: Trusted partners who help operate our service (under strict contracts)
• • Legal Requirements: When required by law or to protect user safety
• • Business Transfers: In case of merger or acquisition (with user notification)
• • Consent: When you explicitly approve sharing

Third-Party Services

• • Bank connections (read-only, with your permission)
• • Cloud storage providers (encrypted data only)
• • Analytics services (anonymized data only)
• • Customer support tools (limited contact info)

Cookies & Tracking 🍪

Types of Cookies

International Data Transfers 🌍

Our servers are primarily located in secure data centers in the United States and European Union. When data is transferred internationally, we ensure:

• • Adequate protection measures are in place
• • Compliance with applicable privacy laws
• • Use of standard contractual clauses
• • Regular security assessments

Children's Privacy 👶

Spendal is not intended for children under 13 years of age. We do not knowingly collect personal information from children under 13. If we learn that we have collected such information, we will delete it immediately.

For users between 13-18, we recommend parental guidance and supervision when using financial management tools.

Changes to This Policy 📝

We may update this privacy policy from time to time to reflect changes in our practices or legal requirements. When we make significant changes, we will:

• • Notify you via email or in-app notification
• • Post the updated policy on our website
• • Provide a summary of key changes
• • Give you time to review before changes take effect