Privacy Policy

Information We Collect

We collect information you provide directly to us when you create an account, use our budgeting tools, or contact us for support. This includes your name, email address, and financial data you choose to input into our platform.

We also automatically collect certain information when you visit our website, such as your IP address, browser type, and usage patterns. This helps us understand how people use our budgeting tools and where we can make improvements.

• Account information (name, email, password)
• Financial data you input (income, expenses, budget categories)
• Device information and browser details
• Usage analytics and interaction data
• Communication records when you contact support

How We Use Your Information

Your information helps us provide better budgeting tools and support. We use it to maintain your account, process your transactions, and improve our services based on how people actually use the platform.

We never sell your personal information to third parties. Sometimes we'll send you helpful tips about budgeting or updates about new features, but you can opt out of these communications anytime.

• Providing and maintaining our budgeting services
• Processing transactions and managing your account
• Sending important service updates and notifications
• Improving our platform based on user feedback
• Responding to customer support inquiries

Data Storage and Security

We take security seriously because we know you're trusting us with sensitive financial information. Your data is encrypted both in transit and at rest, and we use industry-standard security measures to protect it.

We regularly review our security practices and work with cybersecurity experts to ensure your information stays safe. If there's ever a security incident that affects your data, we'll notify you promptly and explain what happened.

Your Rights and Choices

You have several rights regarding your personal information. You can access, update, or delete your data at any time through your account settings, or by contacting us directly.

• Access your personal data and see what we have on file
• Update or correct any inaccurate information
• Delete your account and associated data
• Export your data in a readable format
• Opt out of marketing communications
• Request restrictions on how we process your data

If you want to exercise any of these rights, just email us or use the privacy tools in your account dashboard. We'll respond within 30 days and help you with whatever you need.

Data Sharing and Third Parties

We don't share your personal information with third parties except in specific situations. Sometimes we work with service providers who help us run our platform, but they're contractually required to protect your data.

We might also share information if required by law or to protect our users' safety. For example, if we receive a valid legal request from authorities or if we detect fraudulent activity on the platform.

• Trusted service providers who help operate our platform
• Legal authorities when required by Singapore law
• Professional advisors (lawyers, accountants) under confidentiality
• In case of business transfer, with appropriate protections

Data Retention and Deletion

We keep your information for as long as your account is active or as needed to provide services. When you delete your account, we remove your personal data within 90 days, though we may keep some information longer if required by law.

Some data, like transaction logs for security purposes, might be kept longer but in a way that doesn't identify you personally. We have automated systems that help us manage data retention and ensure old information gets properly deleted.

Cookies and Tracking

Our website uses cookies to remember your preferences and improve your experience. Most cookies are essential for the site to work properly, but some help us understand how people use our budgeting tools.

You can control cookies through your browser settings, though disabling certain cookies might affect how well our platform works. We don't use invasive tracking or share cookie data with advertising networks.

International Data Transfers

While we primarily operate in Singapore, some of our service providers might be located in other countries. When we transfer data internationally, we ensure appropriate safeguards are in place to protect your information.

These transfers comply with Singapore's PDPA requirements and include contractual protections to ensure your data receives the same level of protection regardless of where it's processed.

Updates to This Policy

We update this privacy policy occasionally to reflect changes in our practices or applicable laws. When we make significant changes, we'll notify active users via email and post the updated policy on our website.

We encourage you to review this policy periodically, especially before providing any new personal information. The "Last Updated" date at the bottom shows when we last made changes.