Privacy Policy

Welcome to SavrPay. We are committed to protecting your privacy and ensuring the security of your personal and financial information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our personal finance management application and services.

1. Information We Collect

1.1 Personal Information

When you create an account or use our services, we may collect:

• Account Information: Email address, display name, and profile information
• Authentication Data: Information provided through Google Sign-In or other authentication methods
• Profile Data: User-created profiles for managing multiple financial scenarios

1.2 Financial Information

To provide our core services, we collect and store:

• Transaction Data: Income, expenses, categories, amounts, dates, and notes
• Asset Information: Property values, vehicle details, investments, and other assets
• Debt Information: Loan balances, interest rates, and payment schedules
• Budget Data: Budget categories, spending limits, and tracking information
• Investment Data: Investment positions, transactions, and portfolio information
• Financial Goals: Savings targets, retirement planning, and goal tracking
• Currency Preferences: Your preferred currency for financial calculations

1.3 Technical Information

We automatically collect certain technical information:

• Device Information: Device type, operating system, and app version
• Usage Analytics: App usage patterns, feature interactions, and performance data
• Log Data: Error logs, crash reports, and diagnostic information
• Network Information: IP address, connection type, and network performance

1.4 Third-Party Services

We integrate with third-party services that may collect additional information:

• Google Services: Google Sign-In, Google Drive backup, and Google Analytics
• Payment Processors: In-app purchase data for premium subscriptions
• Advertising Services: Google Mobile Ads for free version users

2. How We Use Your Information

2.1 Core Service Provision

• Process and store your financial transactions and data
• Generate financial reports, charts, and insights
• Provide budget tracking and goal management features
• Enable multi-profile support for different financial scenarios
• Support data export and backup functionality

2.2 Service Improvement

• Analyze usage patterns to improve app functionality
• Identify and fix technical issues and bugs
• Develop new features based on user needs
• Optimize app performance and user experience

2.3 Communication

• Send important service updates and notifications
• Provide customer support and respond to inquiries
• Send security alerts and account notifications
• Communicate about new features and updates (with consent)

2.4 Security and Compliance

• Verify user identity and prevent fraud
• Comply with legal obligations and regulations
• Protect against security threats and unauthorized access
• Maintain data integrity and backup systems

3. Data Storage and Security

3.1 Local Storage

Your financial data is primarily stored locally on your device using secure database encryption. This ensures that your sensitive financial information remains under your control and is not transmitted to our servers unless you explicitly choose to use cloud features.

3.2 Cloud Storage (Optional)

When you enable cloud features, your data may be stored using:

• Firebase Firestore: For user authentication and optional data synchronization
• Google Drive: For backup and data export functionality
• Firebase Storage: For secure file storage and sharing

3.3 Security Measures

• End-to-end encryption for sensitive financial data
• Secure authentication using industry-standard protocols
• Regular security audits and vulnerability assessments
• Access controls and user permission management
• Data backup and disaster recovery procedures

4. Data Sharing and Disclosure

4.1 We Do Not Sell Your Data

SavrPay does not sell, rent, or trade your personal or financial information to third parties for marketing purposes.

4.2 Limited Sharing

We may share your information only in the following circumstances:

• Service Providers: With trusted third-party services that help us operate our app (e.g., Google services, payment processors)
• Legal Requirements: When required by law, court order, or government request
• Security: To protect our rights, property, or safety, or that of our users
• Business Transfers: In connection with a merger, acquisition, or sale of assets (with user notification)

4.3 Third-Party Services

Our app integrates with third-party services that have their own privacy policies:

• Google Services: Google Privacy Policy
• Apple App Store: Apple Privacy Policy
• Google Play Store: Google Privacy Policy

5. Your Rights and Choices

5.1 Access and Control

You have the right to:

• Access, view, and download your financial data
• Correct or update inaccurate information
• Delete your account and associated data
• Export your data in various formats (CSV, PDF)
• Control which features and permissions you grant

5.2 Data Retention

We retain your information for as long as your account is active or as needed to provide services. You can request deletion of your data at any time, and we will process your request within 30 days.

5.3 Opt-Out Options

• Disable analytics and usage tracking
• Opt out of marketing communications
• Disable cloud synchronization features
• Use the app in offline-only mode

6. International Data Transfers

SavrPay operates globally and may transfer your information to countries other than your own. We ensure that such transfers comply with applicable data protection laws and implement appropriate safeguards to protect your information.

6.1 GDPR Compliance (EU Users)

If you are located in the European Union, you have additional rights under the General Data Protection Regulation (GDPR):

• Right to data portability
• Right to erasure ("right to be forgotten")
• Right to restrict processing
• Right to object to processing
• Right to withdraw consent

6.2 CCPA Compliance (California Users)

California residents have rights under the California Consumer Privacy Act (CCPA):

• Right to know what personal information is collected
• Right to know whether personal information is sold or disclosed
• Right to say no to the sale of personal information
• Right to access personal information
• Right to equal service and price

7. Children's Privacy

SavrPay is not intended for use by children under the age of 13. We do not knowingly collect personal information from children under 13. If you are a parent or guardian and believe your child has provided us with personal information, please contact us immediately.

8. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or applicable laws. We will notify you of any material changes by:

• Posting the updated policy on our website
• Sending notifications through the app
• Updating the "Last Updated" date

Your continued use of SavrPay after any changes indicates your acceptance of the updated Privacy Policy.

9. Contact Information

10. Legal Basis for Processing (EU Users)

For users in the European Union, we process your personal data based on the following legal grounds:

• Contract Performance: To provide our services as outlined in our Terms of Service
• Legitimate Interest: To improve our services, ensure security, and prevent fraud
• Consent: For optional features and marketing communications
• Legal Obligation: To comply with applicable laws and regulations

11. Data Protection Officer

If you have questions about our data processing activities or wish to exercise your rights, you may contact our data protection officer at the email address provided above.