Privacy Policy
Effective Date: Dec 21st 2024
SpendShift ("we," "our," "us,") values your trust and is committed to protecting your privacy. This Privacy Policy explains how we collect, use, share, and safeguard your information when you use our services. It also outlines your rights and choices regarding your personal data.
1. Information we collect:
Information You Provide Directly:
Personal Information: Your name, email address, phone number, payment details, and any other data provided during registration or use of our services.
Project Information: Details about the savings goals or projects you create within SpendShift.
Information We Collect Automatically:
Device Information: IP address, browser type, device type, operating system, time zone, and app version.
Usage Data: Interactions with our website or app, pages visited, and transaction history.
Information from Third Parties:
Payment Processors: Data related to transactions completed using SpendShift.
Authentication Providers: Information from platforms like Google or Apple if you sign in using third-party credentials.
2. Why We Process Your Data
We use your information to:
Provide and personalize our services, including saving goals and transaction tracking.
Facilitate payments and manage your projects.
Communicate with you about updates, promotions, and service-related notices.
Ensure security and prevent fraud or unauthorized activity.
Comply with legal and regulatory requirements.
We prioritize customer data security and process only minimal user data necessary to maintain and improve our services.
3. How We Share Your Information
With Service Providers:
Payment processors, cloud storage providers, and analytics tools to support our operations.
For Legal Compliance:
To comply with applicable laws, regulations, or legal processes, such as responding to a subpoena.
With Your Consent:
When you authorize us to share your information with third parties.
We do not sell your personal information.
4. How We Protect Your Information
We implement robust measures to safeguard your data:
Encryption: Data is encrypted during transmission (SSL/TLS) and at rest (AES-256).
Access Controls: Only authorized personnel can access your information on a need-to-know basis.
Regular Security Audits: Periodic reviews of our security practices are conducted.
However, no method of transmission over the Internet or electronic storage is 100% secure. We encourage you to protect your account by using strong, unique passwords and enabling multi-factor authentication.
5. Your Rights and Choices
Depending on your location, you may have the following rights regarding your data:
Access and Portability: Request a copy of the data we hold about you.
Correction: Update inaccurate or incomplete information.
Deletion: Request the deletion of your personal data (subject to legal and contractual obligations).
Opt-Out of Marketing Communications: Unsubscribe from promotional emails through the link provided in each message.
If you are a European resident, you have additional rights under the GDPR, such as the right to restrict processing and object to certain data uses. To exercise these rights, contact us at privacy@spendshift.com.
Additionally, if you are a European resident, we note that we are processing your information in order to fulfill contracts we might have with you (for example, if you make an order through the Site), or otherwise to pursue our legitimate business interests listed above. Additionally, please note that your information might be transferred outside of Europe, including Canada and the United States.
6. Data Retention
We retain your data for as long as necessary to:
Provide our services.
Fulfill legal or regulatory obligations.
Resolve disputes or enforce agreements.
When your data is no longer needed, we securely delete or anonymize it.
7. Cookies and Tracking Technologies
We use cookies and similar technologies to:
Enhance user experience.
Analyze app performance.
Provide personalized recommendations.
You can control cookie settings through your browser or device preferences.
8. Links to Other Websites
Our website may contain links to third-party websites. We are not responsible for the privacy practices of these websites. We encourage you to review their privacy policies.
9. International Users
SpendShift operates in the United States. If you access our services from outside the U.S., be aware that your information will be transferred to and processed in the United States, where privacy laws may differ.
10. Children's Privacy
SpendShift is not intended for children under 13, and we do not knowingly collect data from them. If you believe we have collected information from a child, contact us at privacy@spendshift.com, and we will take appropriate steps to delete it.
11. Changes to This Privacy Policy
We may update this Privacy Policy to reflect changes in our practices or legal requirements. We will notify you of material changes via email or a prominent notice in our app. Your continued use of SpendShift after these changes take effect constitutes your acceptance of the updated policy.
12. Contact Us
If you have any questions, concerns, or complaints about this Privacy Policy, contact us at: contact@spendshift.com