Privacy Policy

Introduction

At Own Your Finances (OYF), your privacy is our priority. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our budgeting app. Please read this policy carefully. By accessing or using the app, you agree to the practices described herein.

1. Information We Collect

a. Personal Information

We may collect the following personal information from you:

• Name
• Email      address
• Phone      number
• Payment      information (if applicable for subscriptions or purchases)
• Login      credentials

b. Non-Personal Information

We may collect non-identifiable information such as:

• Device      information (e.g., model, operating system, unique device identifiers)
• App      usage data
• IP      address
• Log      files and cookies

c. Financial Information

To provide budgeting and financial tracking services, we may collect:

• Account      balances
• Transaction      details
• Budget      categories and goals 

2. How We Use Your Information

We use your information to:

• Provide      and improve our services
• Facilitate      account creation and login processes
• Manage      payments and subscriptions
• Send      administrative communications, such as updates or security alerts
• Deliver      personalized budgeting and financial insights
• Respond      to support requests 

3. Sharing Your Information

We do not sell, rent, or share your personal information with third parties for marketing purposes. However, we may share information in the following scenarios:

• With      Service Providers: Trusted third-party vendors who assist in app      operations (e.g., payment processors, cloud storage).
• Legal      Obligations: To comply with applicable laws, regulations, or legal      processes.
• Business      Transactions: In the event of a merger, acquisition, or asset sale. 

4. Data Security

We implement robust security measures, including encryption, secure storage, and regular audits, to protect your data from unauthorized access, disclosure, or destruction. However, no method of transmission or storage is completely secure, and we cannot guarantee absolute security. 

5. Your Rights

You have the right to:

• Access      your data
• Update      or correct your information
• Request      deletion of your account
• Withdraw      consent for data processing where applicable

To exercise these rights, contact us at support@ownyourfinances.com.

6. Data Retention

We retain your information for as long as your account is active or as necessary to provide you with our services. Financial data may be retained for longer periods to comply with legal or regulatory obligations.

7. Third-Party Links and Services

The OYF app may contain links to third-party websites or services. We are not responsible for the privacy practices or content of these external sites. We encourage you to read their privacy policies. 

8. Children’s Privacy

Our app is not intended for individuals under the age of 13. We do not knowingly collect personal information from children. If we become aware that we have collected information from a child under 13, we will delete it immediately. 

9. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or for legal or regulatory reasons. The updated policy will be posted in the app with a revised “Last Updated” date.