Effective Date: 30/03/25

1. Introduction

Welcome to Spendo (the “App,” “we,” “us,” or “our”). Your privacy is important to us, and this Privacy Policy explains how we collect, use, disclose, and safeguard your personal information when you use our services. By accessing or using our services, you agree to the collection and use of your information as described in this Policy.

2. Information We Collect

1. Personal Information:
   • Name: We collect your name if provided through our authentication partner, Clerk.
   • Email Address: We collect and store your email address to communicate with you and provide account-related features.
2. Financial Information:
   • We integrate with Plaid to access your financial accounts and transaction data. With your consent, we collect and store the necessary information to provide budget tracking and financial insights.
3. Analytics Data:
   • We use PostHog for analytics to better understand how users interact with our App. This may include usage data, device information, and other analytics metrics. We currently do not provide an opt-out mechanism for PostHog, but we do not use this data for advertising or profiling.
4. Automatically Collected Data:
   • When you access or use the App, we may automatically collect certain technical data, such as IP addresses, browser type, and operating system, to improve our services and ensure security.

3. How We Use Your Information

• To Provide Services: We use your information to deliver and improve the features of our App, including budget tracking, personalized financial insights, and other functionalities.
• Communication: We may send you emails about account activity, transaction alerts, or updates regarding new features.
• Analytics and Improvement: We analyze usage data to understand user behavior and enhance the user experience.
• Security: We use the information to monitor and protect the security of our App.

4. Third-Party Services

We rely on several vendors to operate our App:

• Clerk (Authentication)
• Plaid (Banking Integration)
• Neon (Database)
• Vercel (Hosting)
• Loops (Email Service)