Privacy Policy

1. Introduction

Expense Tracker ("we," "our," or "us") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our mobile application and related services (collectively, the "Service").

By using our Service, you agree to the collection and use of information in accordance with this policy.

2. Information We Collect

2.1 Information You Provide

• Account Information: Email address, name, and password when you create an account
• Profile Information: Optional profile details you choose to provide
• Financial Information: Budget categories, spending goals, and manually entered transactions

2.2 Information from Financial Institutions (via Plaid)

When you connect your bank accounts through our Service, we use Plaid Inc. ("Plaid") to gather the following information from your financial institutions:

• Account Information: Account name, type, and balance
• Transaction Data: Transaction history including date, amount, merchant name, and category
• Identity Information: Account holder name and contact information as provided by your financial institution

By using our Service, you grant us and Plaid the right, power, and authority to act on your behalf to access and transmit your personal and financial information from your financial institution. You agree to your personal and financial information being transferred, stored, and processed by Plaid in accordance with the Plaid End User Privacy Policy.

2.3 Automatically Collected Information

• Device Information: Device type, operating system, and unique device identifiers
• Usage Data: How you interact with our Service, features used, and time spent
• Log Data: IP address, browser type, and access times

3. How We Use Your Information

We use the information we collect to:

• Provide, maintain, and improve our Service
• Display your financial accounts, balances, and transactions
• Detect and categorize recurring subscriptions and bills
• Generate spending insights and budget recommendations
• Send notifications about bills, budget alerts, and account activity
• Authenticate your identity and secure your account
• Respond to your requests and provide customer support
• Comply with legal obligations

4. How We Share Your Information

We do not sell your personal information. We may share your information in the following circumstances:

• Service Providers: With third-party vendors who assist in providing our Service (e.g., Plaid for bank connections, Supabase for data storage)
• Legal Requirements: When required by law, court order, or governmental authority
• Protection of Rights: To protect the rights, property, or safety of our users or others
• Business Transfers: In connection with a merger, acquisition, or sale of assets

5. Data Security

We implement appropriate technical and organizational security measures to protect your personal information, including:

• Encryption of data in transit and at rest
• Secure authentication mechanisms including biometric options
• Regular security assessments and updates
• Access controls limiting who can access your data

However, no method of transmission over the Internet or electronic storage is 100% secure. While we strive to protect your information, we cannot guarantee absolute security.

6. Data Retention

We retain your personal information for as long as your account is active or as needed to provide you services. You may request deletion of your account and associated data at any time. We will retain and use your information as necessary to comply with legal obligations, resolve disputes, and enforce our agreements.

7. Your Rights and Choices

You have the right to:

• Access: Request a copy of your personal information
• Correction: Request correction of inaccurate information
• Deletion: Request deletion of your account and data
• Disconnect: Unlink your bank accounts at any time through the app settings
• Opt-out: Disable notifications through your device settings

To exercise these rights, please contact us at privacy@expensetracker.app

8. Third-Party Services

Our Service integrates with third-party services, including:

• Plaid: For connecting to your financial institutions. Plaid's use of your information is governed by their End User Privacy Policy
• Supabase: For secure data storage and authentication

9. Children's Privacy

Our Service is not intended for individuals under the age of 18. We do not knowingly collect personal information from children. If we become aware that we have collected personal information from a child, we will take steps to delete such information.

10. Changes to This Policy

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

11. Contact Us

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