Privacy Policy

This Privacy Policy explains how SpendSenseAI ("SpendSenseAI", "we", "us") collects, uses, discloses, and protects information in connection with our websites, applications, and related services (collectively, the "Services"). By using the Services, you agree to the practices described in this policy.

1. Information We Collect

• Account Information: name, email address, password hash, and settings you configure within your account.
• Financial Context: optional budgeting inputs, goals, and categories you create. We do not store bank credentials. If you choose to connect financial accounts via a third‑party provider, data handling is governed by that provider’s policies.
• Usage Data: device and log information, approximate location (from IP), pages viewed, and interactions to help us improve performance and user experience.
• Cookies and Similar Technologies: used for authentication, preferences, and analytics. See Cookies section below.

2. How We Use Information

• Provide, maintain, and improve the Services and user experience.
• Personalize content, insights, and recommendations.
• Process payments and manage subscriptions.
• Monitor security, prevent abuse, and detect fraud.
• Communicate with you about product updates, offers, and important notices.
• Comply with legal obligations and enforce our terms.

3. When We Share Information

We do not sell personal information. We may share information with: (a) service providers who perform services on our behalf (e.g., hosting, analytics, payments) under contractual confidentiality obligations; (b) third parties when you explicitly authorize integrations; and (c) authorities if required by law or to protect rights, safety, or property.

4. Data Retention

We retain personal information only as long as necessary to fulfill the purposes outlined in this policy, comply with legal obligations, resolve disputes, and enforce agreements. We apply safeguards to archive or delete information when it is no longer needed.

5. Security

We employ administrative, technical, and physical safeguards designed to protect information against unauthorized access, loss, misuse, or alteration. No system is perfectly secure; you are responsible for safeguarding your account credentials.

6. Your Choices and Rights

• Access, Correction, Deletion: You can access and update certain information in your account settings. You may request deletion of your account and associated personal information by contacting us.
• Marketing Communications: You may opt out of non‑essential emails via the unsubscribe link in messages or by adjusting preferences.
• Cookies: You can control cookies through browser settings. Disabling cookies may affect some features.

7. International Data Transfers

We may process information in the United States and other countries. Where required, we use appropriate safeguards (such as standard contractual clauses) to protect personal data transferred internationally.

8. Children’s Privacy

The Services are not directed to children under 13 (or the minimum age in your jurisdiction). We do not knowingly collect personal information from children. If we learn that a child has provided us with personal information, we will take steps to delete it.

9. Cookies and Analytics

We use cookies and similar technologies to keep you signed in, remember preferences, and measure engagement. We may use analytics tools to understand usage trends and improve the Services. Where required by law, we obtain consent for non‑essential cookies.

10. Changes to this Policy

We may update this Privacy Policy from time to time. We will post the updated policy with a new effective date. Your continued use of the Services after the effective date indicates your acceptance of the updated policy.

11. Contact Us

If you have questions or requests, contact us at hello@spendsenseai.com or by mail at SpendSenseAI, San Francisco, CA.

This policy describes our current practices and does not create contractual rights or obligations beyond those required by law.