Privacy Policy

Effective Date: 10/01/2024

Welcome to Spendings.IO ("we," "us," or "our"). This Privacy Policy explains how we collect, use, and share your personal information when you use our website and services, including our personal expense tracking tool ("Services"). By using Spendings.IO, you agree to this Privacy Policy. If you do not agree, please do not use our Services.

1. Information We Collect

We collect the following types of information:

1.1. Information You Provide to Us

• Account Information: When you sign up for an account, we collect personal information such as your name, email address, and password.
• Financial Data: To provide our expense tracking service, we may collect financial information, such as transaction data, bank account details, credit card information, and other expense-related data. This data may be collected either manually (when you upload or input information) or through third-party integrations with your bank or financial institution.
• Communication: When you contact us for support or with inquiries, we may collect any personal information you provide, such as your name, email address, and the content of your messages.

1.2. Information Collected Automatically

• Usage Data: We collect information about how you use our Services, including your IP address, device information, browser type, and usage patterns. This may include data on the pages you visit, actions you take on the platform, and how long you interact with specific features.
• Cookies and Tracking Technologies: We use cookies and similar technologies to enhance your experience and track usage patterns. You can control the use of cookies through your browser settings, but disabling cookies may affect your ability to use some features of the Services.

1.3. Information from Third Parties

• Third-Party Integrations: If you connect your financial accounts or other services to Spendings.IO, we may receive data from these third-party services, such as transaction details, account balances, and other relevant financial data.

2. How We Use Your Information

We use your information to provide and improve our Services, including:

• Account Management: To manage your user account, provide access to the Services, and communicate with you.
• Service Delivery: To track and categorize your personal expenses and provide you with insights, reports, and analysis of your spending habits.
• Improvement and Development: To analyze how you use our Services, troubleshoot issues, and develop new features and improvements.
• Marketing and Communication: To send you updates, promotional materials, or other communications that may be of interest to you, in compliance with applicable law. You can opt out of marketing communications at any time.
• Compliance with Law: To comply with legal obligations, prevent fraud, enforce our agreements, and protect the safety and security of our users and the Services.

3. How We Share Your Information

We do not sell or rent your personal information to third parties. However, we may share your information with:

• Service Providers: We may share your information with third-party service providers who assist us with providing, maintaining, and improving our Services (e.g., cloud hosting, analytics providers).
• Third-Party Integrations: If you choose to connect a third-party service (such as a bank account) to Spendings.IO, we may share your data with that third party to facilitate the integration.
• Legal Obligations: We may disclose your information if required to do so by law or in response to valid requests by public authorities (e.g., a court or government agency).
• Business Transfers: If Spendings.IO is involved in a merger, acquisition, or sale of assets, your information may be transferred as part of that transaction.

4. Data Security

We implement industry-standard security measures to protect your information from unauthorized access, disclosure, alteration, or destruction. However, no data transmission over the internet or method of electronic storage is 100% secure. Therefore, while we strive to protect your personal information, we cannot guarantee its absolute security.

5. Your Rights and Choices

You have the following rights concerning your personal information:

• Access and Correction: You may request access to or correction of your personal information at any time.
• Deletion: You may request the deletion of your account and associated data, subject to any legal obligations we may have to retain the information.
• Opt-Out of Marketing: You can opt out of receiving promotional emails from us by following the unsubscribe instructions in those emails.
• Data Portability: You may request a copy of your personal information in a structured, commonly used, and machine-readable format.
• To exercise these rights, please contact us at support@spendings.io.

6. Data Retention

We retain your personal information for as long as necessary to provide the Services and fulfill the purposes outlined in this Privacy Policy. We may also retain certain information as required by law or for legitimate business purposes, such as fraud prevention or dispute resolution.

7. International Data Transfers

Spendings.IO operates globally, and your information may be transferred to and processed in countries other than your own. If you are located outside of the United States, we will take appropriate measures to ensure that your personal information is protected in accordance with applicable data protection laws.

8. Zero Liability

Spendings.IO is a tool designed to help users track their personal expenses. While we strive to provide accurate and up-to-date information, we do not assume liability for any errors, inaccuracies, or financial losses that may arise from the use of the Services. By using Spendings.IO, you agree that you are solely responsible for your financial decisions and that we are not liable for any damages, including but not limited to, direct, indirect, incidental, or consequential damages, that may result from your use of the Services.

9. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. When we make changes, we will update the "Effective Date" at the top of this page. We encourage you to review this Privacy Policy regularly to stay informed about how we are protecting your information.

10. Contact Us

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

This Privacy Policy is subject to our Terms of Service, which govern your use of Spendings.IO.