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Effective Date: January 2025
Last Updated: January 2025
1. Introduction
Welcome to SmartBudget Mobile ("we," "our," or "us"). We are committed to protecting your privacy and ensuring the security of your personal and financial information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our mobile application.
2. Information We Collect
2.1 Personal Information
- Account Information: Email address, name, and authentication credentials
- Financial Data: Budget amounts, expense categories, income sources, investment details, and financial goals
- Profile Information: User preferences and settings
2.2 Usage Information
- App Analytics: App usage patterns, feature interactions, and performance data (collected via Mixpanel)
- Device Information: Device type, operating system, and app version
- Location Data: General location information for personalized financial recommendations (with your consent)
- Crash Reports: App crash data and error logs for debugging purposes
2.3 Technical Information
- Logs: App performance and error logs
- Authentication Tokens: Secure session data for app functionality
- Firebase Data: User data stored securely in Firebase Realtime Database
3. How We Use Your Information
3.1 Core App Functionality
- Provide personalized budgeting and financial management tools
- Track expenses, income, and financial goals
- Generate financial insights and recommendations
- Enable secure user authentication and account management
3.2 Service Improvement
- Analyze app usage to improve features and performance
- Identify and fix technical issues through crash reporting
- Develop new features based on user needs
- Optimize app performance and user experience
3.3 Communication
- Send important app updates and security notifications
- Provide customer support and respond to inquiries
- Send optional promotional communications (with your consent)
4. Information Sharing and Disclosure
4.1 We Do NOT Share:
- Personal Financial Data: Your budget, expenses, income, and investment details
- Account Credentials: Your login information or authentication tokens
- Personal Information: Your name, email, or other identifying details
4.2 Limited Sharing (Aggregated/Anonymous):
- Analytics: Anonymous usage statistics to improve our service (via Mixpanel)
- Performance Data: App performance metrics without personal identifiers
- Crash Data: Anonymous crash reports for debugging purposes
4.3 Third-Party Services:
- Firebase: Secure data storage and authentication services
- Mixpanel: Anonymous analytics and usage tracking
- Apple App Store: App usage data as required by Apple
4.4 Legal Requirements:
- Law Enforcement: Only when required by law or court order
- Safety: To protect user safety or prevent fraud
5. Data Security
5.1 Security Measures
- Encryption: All data is encrypted in transit and at rest using industry-standard encryption
- Authentication: Secure user authentication using Firebase Auth
- Access Controls: Strict access controls and user data isolation
- Regular Audits: Security assessments and vulnerability testing
- Secure Storage: Data stored in Firebase with proper security rules
5.2 Data Storage
- Firebase Realtime Database: Secure cloud storage with authentication-based access
- Local Storage: Encrypted local data storage on your device
- Backup: Secure backup and recovery procedures
6. Your Rights and Choices
6.1 Access and Control
- View Data: Access all your stored financial information through the app
- Update Information: Modify your profile and financial data at any time
- Delete Account: Request complete account deletion through app settings
- Data Export: Download your data in a portable format
6.2 Communication Preferences
- Opt-out: Unsubscribe from promotional communications
- Notifications: Control push notification settings in iOS Settings
- Location Services: Enable/disable location-based features
- Analytics: Control data collection through iOS privacy settings
7. Data Retention
7.1 Active Accounts
- Financial Data: Retained while your account is active
- Usage Data: Kept for service improvement and support (up to 2 years)
- Analytics Data: Anonymous data retained for up to 3 years
7.2 Account Deletion
- Immediate Deletion: All personal and financial data removed within 30 days
- Backup Retention: Anonymous usage data may be retained for service improvement
- Legal Requirements: Some data may be retained for legal compliance
8. Children's Privacy
Our app is not intended for children under 13 years of age. We do not knowingly collect personal information from children under 13. If you are a parent or guardian and believe your child has provided us with personal information, please contact us immediately.
9. International Data Transfers
Your data may be processed and stored in countries other than your own. We ensure appropriate safeguards are in place to protect your information in accordance with this Privacy Policy and applicable data protection laws.
10. 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 in the app
- Sending you an email notification
- Updating the "Last Updated" date
12. California Privacy Rights
If you are a California resident, you have additional rights under the California Consumer Privacy Act (CCPA). Please contact us for more information about these rights.
13. European Privacy Rights
If you are in the European Union, you have additional rights under the General Data Protection Regulation (GDPR). Please contact us for more information about these rights.