Privacy Policy

1. Introduction

SmartMoney.ninja ("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 financial management platform.

We understand that your financial information is sensitive and personal. This policy describes our practices regarding the collection and use of your information.

2. Information We Collect

2.1 Personal Information

When you create an account, we collect:

• Name and email address
• Phone number (optional)
• Authentication information
• Profile preferences

2.2 Financial Information

To provide our financial management services, we collect:

• Income and expense data you enter
• Debt information (balances, interest rates, payments)
• Financial goals and milestones
• Budget categories and spending patterns

2.3 Usage Information

We automatically collect:

• Log data (IP address, browser type, pages visited)
• Device information
• Usage patterns and feature interactions
• Performance and error data

2.4 Payment Information

For premium subscriptions:

• Payment information is processed by Stripe (we do not store card details)
• Billing address and contact information
• Subscription and payment history

3. How We Use Your Information

We use your information to:

• Provide and maintain our financial management services
• Process transactions and manage subscriptions
• Generate personalized insights and recommendations
• Communicate with you about your account and our services
• Improve our platform and develop new features
• Ensure security and prevent fraud
• Comply with legal obligations

4. Information Sharing and Disclosure

4.1 Third-Party Service Providers

We share information with trusted service providers who help us operate our platform:

• Clerk: Authentication and user management
• Supabase: Database and data storage
• Stripe: Payment processing
• Vercel: Hosting and infrastructure
• Resend: Email communications
• Twilio: SMS notifications (if enabled)

4.2 Legal Requirements

We may disclose your information if required by law or to:

• Comply with legal processes or government requests
• Enforce our Terms and Conditions
• Protect our rights, property, or safety
• Investigate potential violations or fraud

4.3 Business Transfers

In the event of a merger, acquisition, or sale of assets, your information may be transferred as part of the transaction.

5. Data Security

We implement appropriate technical and organizational measures to protect your personal information:

• Encryption in transit and at rest
• Regular security assessments
• Access controls and authentication
• Regular data backups
• Employee training on data protection

However, no method of transmission over the internet is 100% secure. We cannot guarantee absolute security.

6. Your Rights and Choices

You have the following rights regarding your personal information:

• Access: Request a copy of your personal information
• Correction: Update or correct inaccurate information
• Deletion: Request deletion of your personal information
• Portability: Request transfer of your data
• Restriction: Limit how we process your information
• Objection: Object to certain processing activities

To exercise these rights, please contact us at support@smartmoney.ninja.

7. Data Retention

We retain your information for as long as necessary to provide our services and comply with legal obligations:

• Account information: Until account deletion + 30 days
• Financial data: Until account deletion + 90 days for backup recovery
• Payment records: 7 years for tax and legal compliance
• Usage logs: 2 years for security and analytics

8. Cookies and Tracking Technologies

We use cookies and similar technologies to:

• Remember your preferences and settings
• Analyze how you use our platform
• Improve user experience
• Provide security features

You can control cookies through your browser settings, but this may affect platform functionality.

9. International Data Transfers

Your information may be transferred to and processed in countries other than your own. We ensure appropriate safeguards are in place for international transfers.

10. Children's Privacy

Our Service is not intended for children under 18. We do not knowingly collect personal information from children under 18.

11. Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of significant changes via email or through our platform.

12. Contact Us

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