Privacy Policy

1. Introduction

Welcome to SmartSpend. We are committed to protecting your personal information and your right to privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our personal finance assistant service.

Please read this privacy policy carefully. If you do not agree with the terms of this privacy policy, please do not access the application.

2. Information We Collect

We collect information that you provide directly to us, including:

• Account Information: When you sign in with Google, we receive your name, email address, and profile picture.
• Financial Information: Information you share during conversations about your spending habits, income, and financial goals.
• Chat History: Messages exchanged with our AI assistant to provide personalized financial insights.
• Usage Data: Information about how you interact with our service, including access times and pages viewed.

3. How We Use Your Information

We use the information we collect to:

• Provide, maintain, and improve our services
• Generate personalized financial insights and recommendations
• Compare your spending patterns with anonymized aggregate data
• Communicate with you about updates and new features
• Ensure the security and integrity of our platform
• Comply with legal obligations

4. Data Sharing and Disclosure

We do not sell your personal information. We may share your information in the following circumstances:

• Service Providers: With third-party vendors who assist in operating our service (e.g., cloud hosting, analytics).
• Legal Requirements: When required by law or to protect our rights and safety.
• Business Transfers: In connection with a merger, acquisition, or sale of assets.
• Aggregated Data: We may share anonymized, aggregated data for research and analysis purposes.

5. Data Security

We implement appropriate technical and organizational security measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction. However, no method of transmission over the Internet or electronic storage is 100% secure, and we cannot guarantee absolute security.

6. Data Retention

We retain your personal information for as long as necessary to provide our services and fulfill the purposes outlined in this policy. You may request deletion of your data at any time by contacting us.

7. Your Rights

Depending on your location, you may have the following rights:

• Access and receive a copy of your personal data
• Rectify or update inaccurate personal data
• Request deletion of your personal data
• Object to or restrict processing of your data
• Data portability
• Withdraw consent at any time

8. Cookies and Tracking

We use cookies and similar tracking technologies to maintain your session and improve your experience. You can control cookie preferences through your browser settings.

9. Children's Privacy

Our service is not intended for individuals under the age of 18. We do not knowingly collect personal information from children. If you become aware that a child has provided us with personal data, please contact us.

10. Changes to This Policy

We may update this privacy policy from time to time. We will notify you of any changes by posting the new policy on this page and updating the "Last updated" date.

11. Contact Us

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

Email: privacy@smartspend.club