Privacy Policy

1. Information We Collect

Personal Information

We collect the following personal information from users:

• Account Information: Username and email address for account creation and authentication
• Financial Data: Bank transaction data collected through our integration with Plaid to provide budgeting insights and analytics

Non-Personal Information

We do not collect non-personal information such as browser type, IP addresses, or use tracking cookies.

Third-Party Data

We do not collect data from third-party sources such as social media profiles or other websites.

2. How We Collect Information

Direct Collection

• Account registration forms where you provide your username and email
• Secure connection through Plaid's API to access your bank transaction data

Tracking Technologies

We do not use cookies, tracking pixels, or other tracking technologies to gather data about your browsing behavior.

3. How We Use Your Information

Primary Purposes

We use your information exclusively to:

• Provide personalized budgeting insights and financial analytics
• Improve your user experience with our service
• Maintain and secure your account

Legal Basis

By using our service, you consent to the collection and use of information in accordance with this policy. Your consent is the legal basis for processing your personal data.

Marketing and Advertising

We do not use your data for targeted advertising, email marketing, or promotional purposes.

4. Data Sharing and Disclosure

Third-Party Sharing

We do not share, sell, or rent your personal data with third-party partners, advertisers, or affiliates.

Service Providers

We use Plaid as our financial data aggregation service to securely connect to your bank accounts and retrieve transaction data. Plaid's privacy practices are governed by their own privacy policy, which can be found at https://plaid.com/legal/#privacy .

Legal Requirements

We may disclose your personal information if required to do so by law or in response to valid legal requests from law enforcement or government authorities.

International Transfers

We do not transfer user data to other countries.

5. Data Security and Protection

Security Measures

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

• End-to-end encryption for data transmission and storage
• Secure servers with restricted access
• Regular security audits and updates
• Strict access controls limiting data access to authorized personnel only

Data Retention

We retain your personal data only as long as necessary to provide our services and comply with legal obligations. You may request deletion of your account and associated data at any time.

Access Control

Access to user data within our organization is limited to authorized personnel who need it to perform their job functions. We implement strict access controls and regularly review our security practices.

6. Your Data Rights

Access and Correction

You can access and update your personal data by:

• Logging into your account and making changes through the account settings
• Contacting us directly using the information provided below

Data Deletion

You can request the deletion of your data by contacting us directly. We will comply with such requests unless we are required to retain certain information for legal or legitimate business purposes.

Opt-Out Options

Since we do not engage in marketing activities or use tracking technologies, there are no opt-out preferences to manage regarding these activities.

7. Children's Privacy

We do not knowingly collect personal data from children under the age of 13. If we become aware that we have collected personal data from a child under 13 without parental consent, we will take immediate steps to delete that information.

Parents or guardians who believe their child's information has been collected can contact us directly to request access to or deletion of their child's data.

8. Policy Updates

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:

• Post the updated policy on our website
• Update the "Last Updated" date at the top of this policy
• Notify users via email for material changes
• Display a notification banner on our website

9. Contact Information

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This privacy policy is effective as of the date listed above and applies to all users of the Budget Almonds service.