Privacy Policy

1. Introduction

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

2. Information We Collect

2.1 Information You Provide

• Account registration information (name, email, phone)
• Authentication credentials
• Bank account information (through secure integration)
• SMS transaction data you authorize us to access
• Payment information for premium features
• Profile and preference settings

2.2 Information Collected Automatically

• Device information (device type, OS, unique identifiers)
• Usage data (features accessed, time spent, interactions)
• IP address and location data
• Cookies and similar tracking technologies
• Error logs and performance data

3. How We Use Your Information

• Provide and improve the Service
• Process transactions and send related information
• Send transactional and promotional emails
• Respond to your inquiries and provide customer support
• Monitor and analyze usage trends and effectiveness
• Detect, prevent, and address fraud and security issues
• Comply with legal obligations
• Personalize your experience

4. Security of Your Information

We implement appropriate technical, administrative, and physical security measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction. These measures include:

• End-to-end encryption for sensitive data
• Bank-grade security protocols
• Regular security audits and penetration testing
• Secure password storage with hashing algorithms
• Multi-factor authentication support

5. Sharing Your Information

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

• With service providers who assist in operating our Service
• To comply with legal obligations or law enforcement requests
• If required to protect our rights, privacy, safety, or property
• In connection with a merger, acquisition, or sale of assets

6. Your Rights and Choices

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

• Right to access your personal information
• Right to correct inaccurate information
• Right to delete your account and data
• Right to opt-out of marketing communications
• Right to data portability
• Right to withdraw consent

7. Data Retention

We retain your personal information for as long as necessary to provide the Service and fulfill the purposes outlined in this Privacy Policy. You can request deletion of your account and associated data at any time through your account settings.

8. Cookies and Tracking

We use cookies and similar technologies to track activity and store certain information. You can control cookie preferences through your browser settings. Note that disabling cookies may affect the functionality of the Service.

9. Children's Privacy

SpendWise is not intended for children under 18 years of age. We do not knowingly collect personal information from children. If we become aware that a child has provided us with personal information, we will delete such information and terminate the child's account.

10. Changes to This Privacy 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 above. Your continued use of the Service constitutes acceptance of the updated Privacy Policy.

11. Contact Us

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