Coin Spendy - Privacy Policy

1. Introduction

Welcome to Coin Spendy! This Privacy Policy explains how the developer of Coin Spendy ("I," "me," or "my") collects, uses, shares, and protects your information when you use the Coin Spendy finance tracking application and website (collectively, the "Service"). Coin Spendy is a personal project, and you can find more information about the developer on the About page.

I am committed to protecting your privacy and handling your personal and financial data with transparency and care. By using the Service, you agree to the collection and use of information in accordance with this policy.

2. Information Collected

I collect different types of information to provide and improve the Service to you:

a. Information You Provide Directly:

Account Information: When you register for an account, I collect information such as your name (optional), email address, and a secure password.
Financial Information: This is the core data you input into Coin Spendy. It includes details about your income (sources, amounts, dates), expenses (categories, amounts, descriptions, dates), budgets, financial goals, and potentially account names or labels you assign (e.g., "Checking Account," "Savings Goal").
Communications: If you contact me directly (e.g., for support), I may collect your name, email address, and the content of your messages.

b. Information Collected Automatically:

Usage Data: I automatically collect information about how you interact with the Service. This may include your IP address, browser type, operating system, device identifiers, the pages or features of the Service you visit or use, the time and date of your visits, the time spent on those pages/features, and other diagnostic data. This helps me understand usage patterns and improve the Service.
Cookies and Similar Technologies: When you use the website, I may use cookies, pixel tags, and similar tracking technologies to collect information about your Browse activities, maintain your session, and enhance your user experience. You can manage your cookie preferences through your browser settings.

c. Information from Third Parties (If Applicable):

Bank Account Linking (Optional Feature): If you choose to link your bank accounts to Coin Spendy for automatic transaction importing, I will use a secure third-party service provider (e.g., Plaid, Yodlee) to facilitate this connection. These providers collect your bank login credentials securely; Coin Spendy does not store your bank account usernames or passwords. I only receive transaction data and account balance information from these providers via their secure API to display within the Service. The use of information received from these providers will adhere to their respective privacy policies and terms, as well as this policy.

3. How Your Information is Used

I use the collected information for various purposes essential to providing and improving Coin Spendy:

To Provide and Maintain the Service: To operate the core functions of expense and income tracking, budgeting, reporting, and other features you use.
To Manage Your Account: To create and manage your user account, authenticate you, and provide support when you request it.
To Improve the Service: To understand how users interact with Coin Spendy, identify areas for improvement, develop new features, and perform data analysis (often using aggregated or anonymized data that doesn't identify you personally).
To Communicate With You: To send you essential service-related notices (like updates or security alerts), respond to your support requests, and (only if you opt-in) potentially share information about new features or tips for using Coin Spendy.
To Ensure Security: To monitor for potentially fraudulent or unauthorized activity, enforce the terms of service, and protect the security and integrity of the Service and user data.
To Comply with Legal Obligations: To meet applicable legal requirements, respond to lawful requests from public authorities, and protect my rights or the rights of others.

4. How Your Information Might Be Shared

Your privacy is paramount. I do not sell your personal financial data. Your information is shared only in limited circumstances necessary to operate the Service or comply with the law:

With Service Providers: I may engage trusted third-party companies and individuals to perform services required for Coin Spendy to function (e.g., cloud hosting providers like AWS or Google Cloud, data analytics services to understand usage, email delivery services for necessary communications, bank aggregation services like Plaid if you choose to link accounts). These providers only have access to the minimum information necessary to perform their tasks and are contractually obligated not to disclose or use it for any other purpose.
For Legal Reasons: I may disclose your information if required by law, subpoena, court order, or other governmental request, or if I believe in good faith that disclosure is necessary to protect my rights, protect your safety or the safety of others, investigate fraud, or respond to a government request.
In Case of Project Transfer: If Coin Spendy, as a project, were to be transferred, sold, or merged with another entity in the future, your information might be transferred as part of that transaction. I would provide notice before your information is transferred and becomes subject to a different privacy policy.
Aggregated or Anonymized Data: I may share aggregated or anonymized data (data that cannot reasonably identify you) for purposes like statistical analysis or demonstrating usage trends.
With Your Explicit Consent: I may share your information with other third parties if I have obtained your explicit consent to do so for a specific purpose.

5. Data Security

I implement appropriate technical and organizational security measures designed to protect your personal and financial information from unauthorized access, use, alteration, or disclosure. These measures include:

Encryption of data in transit (using TLS/SSL) and at rest where feasible.
Access controls to limit who can access user data.
Regular review of security practices and updates.
Using reputable third-party service providers known for strong security practices.

However, please remember that no method of transmission over the Internet or method of electronic storage is 100% secure. While I strive to use commercially acceptable means to protect your information, I cannot guarantee its absolute security. Your vigilance in protecting your account password is also crucial.

6. Data Retention

I retain your personal information for as long as your account is active or as needed to provide you with the Service. I may also retain and use your information as necessary to comply with legal obligations, resolve disputes, and enforce agreements. You can request the deletion of your account and associated data as described in Section 7.

After you request deletion, some residual data might remain in secure backups for a limited period before being permanently erased, unless legal requirements mandate longer retention.

7. Your Privacy Rights and Choices

Depending on your location, you may have certain rights regarding your personal information:

Access: You have the right to request access to the personal information I hold about you.
Correction: You have the right to request correction of inaccurate or incomplete information. (You can usually update most account and financial data directly within the Service settings).
Deletion: You have the right to request the deletion of your personal information and your Coin Spendy account, subject to certain exceptions (like legal retention requirements).
Opt-Out of Non-Essential Communications: You can opt-out of receiving promotional or non-essential emails by following the unsubscribe instructions in those emails. You will continue to receive essential service-related communications (e.g., security alerts, major policy updates).
Manage Cookies: You can control cookie settings through your web browser.

To exercise these rights, please contact me using the details provided in the "Contact Me" section below, or use any relevant tools available within your Coin Spendy account settings. I will respond to your request within a reasonable timeframe and in accordance with applicable laws.

8. Children's Privacy

Coin Spendy is not intended for use by individuals under the age of 16 (or a higher age threshold if required by applicable law in your jurisdiction). I do not knowingly collect personal information from children. If I become aware that I have inadvertently collected personal information from a child without verification of parental consent, I will take steps to remove that information promptly.

9. International Data Transfers (If Applicable)

Your information may be transferred to — and maintained on — computers located outside of your state, province, country, or other governmental jurisdiction where the data protection laws may differ from those in your jurisdiction.

10. Changes to This Privacy Policy

I may update this Privacy Policy from time to time as the Service evolves or legal requirements change. I will notify you of any significant changes by posting the new Privacy Policy on this page and updating the "Effective Date" at the top. I may also provide notice via email or through an in-app notification for major changes. I encourage you to review this Privacy Policy periodically. Your continued use of the Service after changes become effective constitutes your acceptance of the revised policy.

Coin Spendy Privacy Policy