Privacy Policy

1. Information We Collect

Personal Information:

• Name and email address when you register
• Google profile information if you sign up via Google OAuth
• Payment information (processed securely by our payment providers)

Budget Data:

• Income, expenses, savings, debt, and bill information you enter
• Budget categories and monthly financial data

Usage Data:

• IP address, browser type, and device information
• Pages visited and features used
• Login timestamps and session data

2. How We Use Your Information

• To provide and maintain our Service
• To process your transactions and subscriptions
• To send service updates and notifications
• To improve our Service and develop new features
• To detect and prevent fraud and abuse
• To comply with legal obligations

3. Data Security

We implement industry-standard security measures to protect your data:

• Password encryption using bcrypt
• HTTPS encryption for data transmission
• Secure database storage
• Regular security audits

4. Data Sharing

We do NOT sell your personal information. We may share data with:

• Service Providers: Payment processors, email services
• Legal Requirements: When required by law or to protect our rights

5. Your Rights

You have the right to:

• Access your personal data
• Correct inaccurate data
• Request deletion of your data
• Export your data
• Withdraw consent at any time
• Lodge a complaint with a supervisory authority

6. Cookies and Tracking

We use cookies and similar technologies to maintain your session, remember preferences, and analyze usage. You can control cookies through your browser settings.

7. Data Retention

We retain your data as long as your account is active or as needed to provide services. You may request deletion of your account and data at any time.

8. Children's Privacy

Our Service is not intended for children under 18. We do not knowingly collect information from children.

9. International Data Transfers

Your data may be transferred to and processed in countries other than Zambia. We ensure appropriate safeguards are in place.

10. Changes to Privacy Policy

We may update this Privacy Policy from time to time. We will notify you of significant changes via email or through the Service.

11. Contact Us

For privacy-related inquiries, please contact us.