Privacy Policy

1. Introduction

Welcome to Finstarter ("we," "our," or "us"). We are committed to protecting your privacy and ensuring the security of your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our financial management application and related services.

2. Information We Collect

2.1 Personal Information

• Name, email address, and contact information
• Account credentials and authentication data
• Profile information and preferences
• Financial account information (when you connect bank accounts)
• Transaction data and spending patterns
• Device information and usage analytics

2.2 Financial Information

• Bank account details (when connected through secure APIs)
• Transaction history and categorization
• Spending patterns and financial goals
• Budget information and financial planning data

2.3 Technical Information

• IP address and device identifiers
• Browser type and version
• Operating system information
• App usage statistics and performance data

3. How We Use Your Information

We use your information for the following purposes:

• To provide and maintain our financial management services
• To process transactions and categorize spending
• To generate financial insights and recommendations
• To improve our app functionality and user experience
• To communicate with you about your account and our services
• To detect and prevent fraud and unauthorized access
• To comply with legal and regulatory requirements
• To analyze usage patterns and optimize our services

4. Information Sharing and Disclosure

4.1 We Do Not Sell Your Information

We do not sell, rent, or trade your personal information to third parties for marketing purposes.

4.2 Limited Sharing

We may share your information only in the following circumstances:

• With your explicit consent
• With trusted service providers who help us operate our platform
• When required by law or legal process
• To protect our rights, property, or safety, or that of our users
• In connection with a business transfer or merger

5. Data Security

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

• End-to-end encryption for sensitive data transmission
• Secure data storage with regular security audits
• Access controls and authentication protocols
• Regular security updates and monitoring
• Compliance with financial industry security standards

6. Third-Party Services

Our app may integrate with third-party services for banking and financial data access. These services have their own privacy policies, and we encourage you to review them. We only share the minimum information necessary for these integrations to function.

7. Your Rights and Choices

You have the following rights regarding your personal information:

• Access and review your personal information
• Request correction of inaccurate information
• Request deletion of your account and associated data
• Opt-out of certain communications
• Export your data in a portable format
• Withdraw consent for data processing where applicable

8. Data Retention

We retain your information only as long as necessary to provide our services and comply with legal obligations. When you delete your account, we will securely delete or anonymize your personal information within a reasonable timeframe, except where retention is required by law.

9. Children's Privacy

Our services are not intended for individuals under the age of 13. We do not knowingly collect personal information from children under 13. If we become aware that we have collected such information, we will take steps to delete it promptly.

10. International Data Transfers

Your information may be transferred to and processed in countries other than your country of residence. We ensure appropriate safeguards are in place to protect your information in accordance with applicable data protection laws.

11. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. We will notify you of any material changes by posting the new Privacy Policy on this page and updating the "Last updated" date. We encourage you to review this Privacy Policy periodically for any changes.

12. Contact Us

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