Privacy Policy

1. Information We Collect

We collect information that you provide directly to us, including:

• Name and contact information
• Account login credentials
• Payment or billing information (processed securely through third-party payment providers)
• Financial or budgeting data you input in the app, including:
  • Expense records (amount, date, category, merchant, notes, payment method)
  • Budget information (category limits, time periods, spending targets)
  • Financial goals (savings targets, milestone dates, progress tracking)
  • Income information (sources, amounts, frequency)
  • Transaction history and spending patterns
  • Custom categories, tags, and labels you create
  • Recurring expense schedules and reminders
  • Financial insights and analytics preferences
• Any other information you choose to provide

We may also automatically collect:

• Log and usage data (device type, IP address, browser type, access times, pages viewed)
• Cookies and tracking technologies
• Mobile device identifiers and crash reports

2. How We Use Your Information

We use the information we collect to:

• Provide, operate, and improve our Service and features
• Process transactions and send payment confirmations
• Personalize user experience (e.g., analytics, budgeting insights)
• Communicate with you about updates, support, and security alerts
• Respond to questions, feedback, or customer service requests
• Comply with legal obligations

We will not use your data for purposes you were not informed of without requesting additional consent.

3. Information Sharing

We do not sell or rent your personal information.

We may share information only:

• With your consent
• With trusted service providers who support operations (e.g., payment processors, analytics, cloud hosting) — they are required to protect your data and use it only for the service provided
• To comply with laws, legal requests, or protect rights, security, and safety
• In a business transfer, such as merger, acquisition, or asset sale. You will be notified if your data is transferred to a new entity

4. Data Security

We use industry-standard security measures to protect your information from unauthorized access, loss, misuse, or disclosure. However, no internet or storage system can be guaranteed 100% secure.

5. Data Retention

We retain your information only for as long as necessary to:

• Provide our services
• Comply with legal obligations
• Resolve disputes
• Enforce agreements

You may request deletion of your account and data at any time.

6. Cookies and Tracking Technologies

We use cookies and similar tools to:

• Enable essential features
• Understand usage and improve our service
• Store user preferences

You can modify your cookie settings in your browser or device, but some features may not function properly without them.

7. Your Rights

We comply with applicable data protection laws, including the European Union's General Data Protection Regulation (GDPR), the California Consumer Privacy Act (CCPA), the Philippines' Data Privacy Act (DPA), and other relevant data protection regulations in jurisdictions where we operate.

Depending on your location, you may have the right to:

• Access a copy of your personal information
• Correct inaccurate or outdated information
• Request deletion of your data (right to be forgotten)
• Withdraw consent where applicable
• Object to or limit certain data processing
• Download a copy of your data (data portability)
• Lodge a complaint with your local data protection authority

To exercise these rights, contact us with the details in Section 11. Process of your request will be around 30 days from the date. We will respond to your request in accordance with applicable data protection laws.

8. Children's Privacy

The Service is not intended for children under 13. We do not knowingly collect personal information from children. If we learn that a child under 13 provided information, we will delete it.

9. International Transfers

Your information may be processed or stored in countries outside your own. We ensure data protections are in place consistent with applicable laws, including GDPR requirements for international data transfers.

When transferring personal data from the European Economic Area (EEA) or other jurisdictions with strict data protection laws, we implement appropriate safeguards such as:

• Standard Contractual Clauses (SCCs) approved by relevant data protection authorities
• Adequacy decisions where applicable
• Other legally recognized transfer mechanisms

We comply with all applicable data protection regulations, including GDPR, CCPA, DPA, and other relevant laws in the jurisdictions where we operate.

10. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. If significant changes are made, we will notify users by:

• Posting the updated policy
• Updating the "Last Updated" date
• Sending email or in-app notifications when required

11. Contact Us

If you have any questions about this Privacy Policy or your personal information, please contact us at:

• 📩 Email: finspend@symph.co
• 📍 Address: Manila City, Philippines
• 🌐 Website: finspend.io