Privacy Policy

Information We Collect

When you use our budget compliance platform, we collect specific types of information to provide you with personalized financial insights and secure account management.

Personal Information

• Name, email address, and contact details you provide during registration
• Financial institution connection data (encrypted and tokenized)
• Budget categories and spending preferences you set
• Communication preferences and notification settings

Financial Data

• Transaction histories from connected accounts (view-only access)
• Account balances and spending patterns for budget analysis
• Bill due dates and recurring payment information
• Custom budget goals and financial targets you establish

How We Use Your Information

Your data powers intelligent budget tracking and compliance monitoring. Every piece of information serves a specific purpose in helping you maintain financial discipline.

Core Platform Functions

• Generate personalized budget reports and spending alerts
• Track compliance with your established financial goals
• Provide predictive insights about upcoming expenses
• Send timely notifications about budget variances

Account Security & Verification

• Authenticate your identity and prevent unauthorized access
• Monitor for suspicious activity patterns
• Maintain secure session management
• Process support requests and technical assistance

Platform Improvement

We analyze aggregated, anonymized usage patterns to enhance our budget compliance tools. This helps us identify which features provide the most value to users managing their finances in the Philippines market.

Data Protection Measures

Protecting your financial information requires multiple layers of security. We've built our infrastructure with Philippine banking standards and international best practices in mind.

Encryption & Storage

• AES-256 encryption for all data at rest and in transit
• Secure cloud infrastructure with regular security audits
• Multi-factor authentication for all user accounts
• Regular backups with encrypted disaster recovery protocols

Access Controls

• Role-based permissions limiting employee data access
• Comprehensive audit logs of all system interactions
• Regular security training for all team members
• Immediate revocation procedures for compromised accounts

Third-Party Integrations

When connecting to banks and financial institutions, we only work with providers who maintain equivalent security standards. All integrations undergo thorough security assessments before implementation.

Your Rights & Controls

You maintain complete control over your personal information and how we use it. These rights are designed to give you transparency and choice in your data management.

Data Access & Portability

• Request a complete copy of your personal data at any time
• Export your budget history and financial insights
• View detailed logs of how your information has been used
• Receive data in commonly used formats for transfer

Correction & Deletion

• Update or correct any personal information in your profile
• Delete specific transactions or budget categories
• Request complete account deletion and data removal
• Modify communication preferences and notification settings

Processing Limitations

You can restrict how we process your information while maintaining core platform functionality. For example, you might choose to disable predictive insights while keeping basic budget tracking active.

Cookies & Tracking

Our platform uses minimal tracking technologies focused on security and functionality rather than advertising or behavioral monitoring.

Essential Cookies

• Session authentication and secure login management
• User interface preferences and dashboard customization
• Security tokens for preventing cross-site attacks
• Language and regional settings for Philippine users

Analytics & Performance

• Anonymous usage statistics to improve platform stability
• Error logging for technical support and bug fixes
• Load time monitoring to ensure optimal performance
• Feature usage analysis to prioritize development efforts

You can disable non-essential cookies through your browser settings without affecting core budget compliance features. We respect Do Not Track signals and provide granular control over data collection preferences.

Updates & Changes

Privacy practices evolve with technology and regulations. We maintain transparency about any changes to how we handle your financial information.

Notification Process

• Email notifications 30 days before significant policy changes
• In-app announcements highlighting important updates
• Detailed change logs available in your account dashboard
• Option to export data before changes take effect

Regulatory Compliance

Our privacy practices align with Philippine Data Privacy Act requirements and international standards for financial data protection. We regularly review policies to ensure continued compliance as regulations evolve.

This policy was last updated in January 2025 to reflect enhanced encryption protocols and expanded user control options. Previous versions remain available for reference in your account settings.