At FinancesWiz, we take your privacy seriously. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our personal finance management platform. Please read this privacy policy carefully. If you do not agree with the terms of this privacy policy, please do not access the application.

1. Information We Collect

Personal Information

We may collect personal information that you voluntarily provide to us when you:

• Register for an account
• Use our services
• Contact our support team
• Subscribe to our communications

This information may include:

• Name and email address
• Account credentials
• Profile information
• Communication preferences

Financial Information

When you use FinancesWiz, we collect and store:

• Bank account information and transaction data
• Investment portfolio details
• Budget and savings goal information
• Receipt images and extracted data
• Categories and notes you add to transactions

Automatically Collected Information

We may automatically collect certain information when you use our platform:

• Log data (IP address, browser type, pages visited)
• Device information
• Usage statistics and analytics
• Cookie and tracking technology data

2. How We Use Your Information

We use the information we collect to:

• Provide, operate, and maintain our services
• Process your transactions and manage your account
• Generate financial insights, reports, and analytics
• Improve and personalize your experience
• Communicate with you about your account and our services
• Detect and prevent fraud and unauthorized access
• Comply with legal obligations
• Send you updates, security alerts, and support messages
• Develop new features and improve existing functionality

3. AI-Powered Features

FinancesWiz uses artificial intelligence to provide personalized financial insights and recommendations. When you use our AI-powered features:

• Your financial data is analyzed to generate insights and recommendations
• Data may be processed by third-party AI services (such as Grok AI)
• We do not use your data to train AI models for other users
• AI-generated insights are stored in your account for your reference
• You can opt out of AI features at any time

4. Data Storage and Security

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

• Encryption of data in transit and at rest
• Secure authentication and session management
• Regular security audits and updates
• Access controls and authentication requirements
• Secure database storage with backup procedures

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

5. Third-Party Services

We may use third-party services to enhance our platform:

• Plaid: For secure bank account connections and transaction data retrieval
• Grok AI: For AI-powered financial insights and analysis
• Chart.js: For data visualization (no data transmitted externally)

These third parties have their own privacy policies. We encourage you to review their policies before providing any information through their services.

6. How We Share Your Information

We do not sell, trade, or rent your personal information to third parties. We may share your information only in the following circumstances:

• With your consent: When you explicitly authorize us to share information
• Service providers: With trusted third parties who assist in operating our platform
• Legal requirements: When required by law, court order, or legal process
• Protection: To protect our rights, privacy, safety, or property
• Business transfers: In connection with a merger, acquisition, or asset sale

7. Your Privacy Rights

Depending on your location, you may have the following rights:

• Access: Request access to your personal information
• Correction: Request correction of inaccurate data
• Deletion: Request deletion of your personal information
• Portability: Request a copy of your data in a portable format
• Opt-out: Opt out of certain data processing activities
• Withdraw consent: Withdraw consent for data processing at any time

To exercise these rights, please contact us using the information provided at the end of this policy.

8. Data Retention

We retain your personal information for as long as necessary to provide our services and fulfill the purposes outlined in this privacy policy. When you delete your account, we will delete or anonymize your personal information within 30 days, except where we are required to retain it for legal or regulatory purposes.

9. Cookies and Tracking Technologies

We use cookies and similar tracking technologies to track activity on our platform and store certain information. You can instruct your browser to refuse all cookies or indicate when a cookie is being sent. However, if you do not accept cookies, you may not be able to use some portions of our service.

10. Children's Privacy

Our service is not intended for use by children under the age of 18. We do not knowingly collect personal information from children under 18. If you become aware that a child has provided us with personal information, please contact us immediately.

11. International Data Transfers

Your information may be transferred to and processed in countries other than your country of residence. These countries may have data protection laws that are different from the laws of your country. We take appropriate safeguards to ensure that your personal information remains protected.

12. Changes to This Privacy Policy

We may update our 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. Changes are effective when posted on this page.