Privacy Policy

We collect information to provide and improve our gamified expense tracking service. Here's what we collect:

Account Information

• Name and email address (for account creation and authentication)
• Profile picture (optional, if you choose to add one)
• Preferred currency setting

Financial Data (User-Provided)

• Expense entries (amount, category, description, date)
• Income entries (amount, source, frequency)
• Budget configurations (category limits, timeframes)
• Loan/EMI details (amounts, interest rates, repayment schedules)

Gamification Data

• Experience points (XP), levels, and progression
• Streak counts and activity logs
• Challenge participation and completion status
• Unlocked achievements and badges

Technical Data

• Device type, browser type, and operating system
• IP address and approximate location (country/region)
• Usage patterns and feature interactions (for improving the service)

We use your information solely to provide and improve Expenie's services:

• Core Service: Display your expenses, calculate budgets, track income, and generate financial insights.
• Gamification: Calculate XP, update levels, track streaks, and unlock achievements based on your activity.
• Personalization: Display data in your preferred currency and customize the dashboard experience.
• Communication: Send streak reminders, challenge notifications, and important service updates.
• Analytics: Improve our service by understanding usage patterns (aggregated, anonymized data).
• Security: Protect against unauthorized access and fraudulent activity.

We implement robust security measures to protect your data:

• Encryption: All data is encrypted in transit (TLS/SSL) and at rest (AES-256).
• Secure Authentication: We use industry-standard authentication methods including OAuth 2.0.
• Access Controls: Strict internal access policies limit who can access user data.
• Regular Audits: We conduct security reviews and vulnerability assessments.
• Secure Infrastructure: Hosted on reputable cloud providers with compliance certifications.

We may share limited data only in these circumstances:

• Service Providers: Trusted partners who help us operate (hosting, email delivery). They are bound by strict confidentiality agreements.
• Legal Requirements: If required by law, court order, or government request.
• Business Transfers: In the event of a merger, acquisition, or sale, user data may be transferred with prior notice.
• With Your Consent: Any other sharing will only occur with your explicit permission.

You have control over your data. Here are your rights:

• Access: Request a copy of all data we hold about you.
• Correction: Update or correct inaccurate information in your account.
• Export: Download your expense, income, and budget data in standard formats.
• Deletion: Request complete deletion of your account and associated data.
• Opt-Out: Unsubscribe from promotional emails (service emails are required).

To exercise any of these rights, visit your Account Settings or contact us at privacy@expenie.com.

We retain your data for as long as your account is active or as needed to provide services:

• Active Accounts: Data is retained for the duration of your account.
• Account Deletion: Upon request, we delete your data within 30 days, except where legal retention is required.
• Inactive Accounts: Accounts inactive for 24+ months may be deleted after notification.
• Backups: Encrypted backups are purged within 90 days of account deletion.

We use minimal cookies essential for the service:

• Authentication Cookies: Keep you logged in securely.
• Preferences: Remember your currency and display settings.
• Analytics: Anonymous usage data to improve the service (can be disabled).

We do not use advertising cookies or sell cookie data to third parties.

We may update this Privacy Policy from time to time. When we make changes:

• We will update the "Last Updated" date at the top of this page.
• For material changes affecting your rights, we will notify you via email.
• Continued use of Expenie after changes constitutes acceptance of the updated policy.

If you have questions about this Privacy Policy or your data, please contact us: