Privacy Policy

Last Updated: January 22, 2026

Welcome to FinLiterate. 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, store, and protect your data when you use our website at https://finliterate.net and our web application at https://app.finliterate.net.

1. Information We Collect

1.1 Account Information

When you create an account, we collect:

• Email address: Used for authentication and account recovery
• Personal profile information: Name, profile picture, and user preferences
• Authentication credentials: Securely hashed passwords or third-party authentication tokens

1.2 Financial Data

To provide our expense tracking and budgeting services, we collect and store:

• Transaction data: Expense amounts, income amounts, dates, descriptions, and notes
• Categories: Expense and income categories you create or select
• Budgets: Budget limits and goals you set for different categories
• Currency preferences: Your selected currencies for multi-currency tracking
• Recurring transactions: Information about subscriptions and regular bills you track

1.3 Payment Information

For Premium subscription upgrades:

• Payment processing: All payment transactions are processed by Stripe, our third-party payment processor
• Billing information: Payment card details, billing address, and transaction history are collected and stored by Stripe, not by FinLiterate
• What we store: We only store your email address and subscription status (free or premium) - we do not have access to your payment card information
• Stripe's privacy: Stripe's collection and processing of your billing information is subject to Stripe's Privacy Policy

1.4 Usage Information

We automatically collect certain information about how you use FinLiterate:

• Device information: Browser type, operating system, device type
• Log data: IP address, access times, pages viewed
• App interactions: Features you use and how you navigate the application

2. How We Use Your Information

We use your information for the following purposes:

• Provide our services: To enable expense tracking, categorization, budgeting, and financial insights
• Account management: To create and manage your account, authenticate your identity
• Improve our services: To understand how users interact with FinLiterate and make improvements
• Security: To detect and prevent fraud, abuse, and security incidents
• Communication: To send important service updates, security alerts, and respond to your inquiries
• Analytics: To analyze usage patterns and improve user experience

3. Data Storage and Security

3.1 Where We Store Your Data

Your data is stored securely using Google Cloud Platform and Firebase services, which provide:

• Encrypted data storage and transmission
• Industry-standard security measures
• Regular security audits and compliance certifications
• Redundant backups to prevent data loss

3.2 Security Measures

We implement multiple layers of security to protect your information:

• Encryption: All data is encrypted in transit using HTTPS/TLS and at rest in our databases
• Authentication: Secure authentication through Firebase Authentication
• Access controls: Strict access controls ensure only you can access your financial data
• Regular monitoring: Continuous monitoring for security threats and vulnerabilities

Important: While we implement strong security measures, no method of transmission over the internet or electronic storage is 100% secure. We cannot guarantee absolute security.

4. Data Sharing and Disclosure

We do not sell, rent, or share your personal or financial data with third parties.

We may disclose your information only in the following limited circumstances:

• Legal requirements: When required by law, court order, or government regulation
• Service providers: With Firebase/Google Cloud Platform for hosting and infrastructure services, and with Stripe for payment processing (they are bound by strict confidentiality agreements)
• Payment processing: Your email address is shared with Stripe for subscription management and billing purposes only
• Protection of rights: To protect the rights, property, or safety of FinLiterate, our users, or the public
• Business transfers: In connection with a merger, acquisition, or sale of assets (users will be notified)

5. Your Rights and Choices

You have the following rights regarding your data:

5.1 Access and Portability

• You can access all your data within the FinLiterate application at any time
• You can export your transaction data and financial information

5.2 Correction and Updates

• You can update your profile information and preferences within the app
• You can edit or delete individual transactions and categories

5.3 Data Deletion

• You can delete your account and all associated data at any time
• Contact us at the email below to request complete data deletion
• Upon deletion, your data will be permanently removed from our systems (except where retention is required by law)

5.4 Opt-Out

• You can opt out of promotional communications (we send very few)
• You cannot opt out of essential service communications (security alerts, policy changes)

6. Cookies and Tracking Technologies

We use cookies and similar technologies to:

• Keep you logged in to your account
• Remember your preferences and settings
• Analyze how you use our services
• Improve security and prevent fraud

You can control cookies through your browser settings, but disabling cookies may affect the functionality of FinLiterate.

7. Data Retention

We retain your data for as long as your account is active or as needed to provide our services. When you delete your account:

• Your personal and financial data is permanently deleted within 30 days
• Some data may be retained for legal compliance, fraud prevention, or dispute resolution
• Anonymized, aggregated data may be retained for analytics purposes

8. Children's Privacy

FinLiterate is not intended for children under the age of 13. We do not knowingly collect personal information from children. If you believe we have collected information from a child, please contact us immediately and we will delete such information.

9. International Users

FinLiterate is operated from and your data is stored in the United States and European Union data centers (via Google Cloud Platform). By using our services, you consent to the transfer and processing of your data in these jurisdictions.

10. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or for legal, operational, or regulatory reasons. We will notify you of any material changes by:

• Posting the updated policy on this page with a new "Last Updated" date
• Sending an email notification to your registered email address
• Displaying a notice within the FinLiterate application

Your continued use of FinLiterate after changes become effective constitutes acceptance of the updated policy.

11. Third-Party Services

11.1 Payment Processing

We use Stripe for payment processing and subscription management. When you upgrade to Premium:

• Stripe collects and processes your payment card information and billing address
• Stripe handles all payment transactions securely using industry-standard encryption
• We receive confirmation of successful payments but do not have access to your full payment card details
• Stripe's services are governed by Stripe's Privacy Policy and Terms of Service

11.2 Other Services

FinLiterate may contain links to third-party websites or services. We are not responsible for the privacy practices of these third parties. We encourage you to read their privacy policies before providing any information to them.

12. Your California Privacy Rights (CCPA)

If you are a California resident, you have additional rights under the California Consumer Privacy Act (CCPA):

• Right to know what personal information we collect and how it's used
• Right to delete your personal information
• Right to opt-out of the sale of your personal information (Note: We do not sell personal information)
• Right to non-discrimination for exercising your privacy rights

13. European Privacy Rights (GDPR)

If you are located in the European Economic Area (EEA), you have rights under the General Data Protection Regulation (GDPR):

• Right to access your personal data
• Right to rectification of inaccurate data
• Right to erasure ("right to be forgotten")
• Right to restrict processing
• Right to data portability
• Right to object to processing
• Right to withdraw consent

Our legal basis for processing your data is primarily your consent and the performance of our contract with you to provide the FinLiterate service.

14. Contact Us

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