Privacy Policy

1. Introduction

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

By using our Service, you agree to the collection and use of information in accordance with this Privacy Policy.

2. Information We Collect

2.1 Personal Information

We may collect the following personal information:

• Name and email address (for account creation)
• Profile picture (optional)
• Phone number (optional, for two-factor authentication)
• Device information (device type, operating system, app version)

2.2 Financial Information

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

• Transaction data (amounts, categories, descriptions, dates)
• Budget information and financial goals
• Account balances and financial summaries
• Shopping lists and expense categorizations

2.3 Usage Information

We automatically collect certain information about your use of the Service:

• App usage patterns and feature interactions
• Crash reports and error logs
• Performance metrics and analytics data
• Session duration and frequency of use

3. How We Use Your Information

We use the collected information for the following purposes:

• Provide and maintain our Service
• Process transactions and manage your account
• Generate financial insights and analytics
• Send notifications about your financial goals and budgets
• Improve our Service through data analysis
• Provide customer support
• Detect and prevent fraudulent activities
• Comply with legal obligations

4. Data Storage and Security

We implement industry-standard security measures to protect your information:

• End-to-end encryption for sensitive financial data
• Secure cloud storage with Firebase Security Rules
• Two-factor authentication support
• Regular security audits and updates
• Limited access to personal data by our team

Your data is stored on secure servers provided by Google Firebase, which comply with industry-standard security protocols and certifications.

5. Data Sharing and Disclosure

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

• With your explicit consent
• To comply with legal requirements or court orders
• To protect our rights, property, or safety
• In connection with a business transfer or acquisition
• With service providers who assist in operating our Service (under strict confidentiality agreements)

6. Your Rights and Choices

You have the following rights regarding your personal information:

• Access: Request a copy of your personal data
• Correction: Update or correct inaccurate information
• Deletion: Request deletion of your account and associated data
• Portability: Export your data in a machine-readable format
• Opt-out: Unsubscribe from marketing communications
• Restrict Processing: Limit how we use your information

To exercise these rights, please contact us at privacy@saldomind.com.

7. Data Retention

We retain your personal information for as long as necessary to provide our Service and fulfill the purposes outlined in this Privacy Policy. Specifically:

• Account data: Until you delete your account
• Transaction data: 7 years for tax and financial purposes (or as required by law)
• Usage analytics: 2 years for service improvement
• Support communications: 3 years for reference

8. International Data Transfers

Your information may be transferred to and processed in countries other than your country of residence. We ensure that such transfers comply with applicable data protection laws and provide adequate protection for your personal information.

9. Children's Privacy

Our Service is not intended for children under 13 years of age. 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.

10. Third-Party Services

Our Service may contain links to third-party services or integrate with third-party applications. This Privacy Policy does not apply to third-party services. We recommend reviewing the privacy policies of any third-party services you use.

11. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. We will notify you of any material changes by posting the new Privacy Policy in the App and updating the "Last updated" date. Your continued use of the Service after such changes constitutes acceptance of the updated Privacy Policy.

12. Contact Us

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