Your Privacy is Our Priority

Introduction

At Expense Chip, we understand that your financial information is deeply personal and sensitive. This Privacy Policy explains how we collect, use, protect, and share your information when you use our personal finance management platform. We are committed to maintaining the highest standards of privacy and security.

By using our service, you agree to the collection and use of information in accordance with this policy. We will not use or share your information with anyone except as described in this Privacy Policy.

Information We Collect

Personal Information

• Name, email address, and contact information
• Account credentials and authentication information
• Profile information and preferences
• Communication history with our support team

Financial Information

• Transaction data and spending patterns
• Account balances and financial account information
• Investment portfolio data
• Budget and goal information
• Payment information for subscription services

Usage Information

• App usage patterns and feature interactions
• Device information and technical specifications
• Log data including IP addresses and browser information
• Location data (only when explicitly permitted)

How We Use Your Information

We use the information we collect to:

• Provide and maintain our financial management services
• Process transactions and manage your accounts
• Generate personalized insights and recommendations
• Improve our platform and develop new features
• Send important service updates and notifications
• Provide customer support and respond to inquiries
• Ensure security and prevent fraudulent activities
• Comply with legal obligations and regulatory requirements

Data Security

We implement industry-standard security measures to protect your information:

• Encryption: All data is encrypted in transit and at rest using AES-256 encryption
• Secure Infrastructure: Our servers are hosted in secure, certified data centers
• Access Controls: Strict access controls ensure only authorized personnel can access data
• Regular Security Audits: We conduct regular security assessments and penetration testing
• Multi-Factor Authentication: Additional security layers for account access
• Data Minimization: We only collect and retain data necessary for our services

Information Sharing

We do not sell, trade, or rent your personal information to third parties. We may share your information only in the following limited circumstances:

• Service Providers: Trusted third-party services that help us operate our platform
• Legal Requirements: When required by law or to protect our legal rights
• Business Transfers: In the event of a merger, acquisition, or sale of assets
• With Your Consent: When you explicitly authorize us to share information
• Aggregated Data: Anonymous, aggregated data that cannot identify individuals

Your Rights and Choices

You have the following rights regarding your personal information:

• Access: Request a copy of the personal information we hold about you
• Correction: Update or correct inaccurate information
• Deletion: Request deletion of your personal information
• Portability: Export your data in a structured, machine-readable format
• Restriction: Limit how we process your information
• Objection: Object to certain types of processing
• Withdraw Consent: Withdraw consent for data processing

To exercise these rights, please contact us at privacy@expensechip.com. We will respond to your request within 30 days.

Data Retention

We retain your information for as long as necessary to provide our services and fulfill the purposes outlined in this policy. Specifically:

• Account information is retained while your account is active
• Transaction data is retained for 7 years for financial record-keeping
• Communication records are retained for 3 years
• Marketing data is retained until you opt out
• Log data is typically retained for 1 year

Cookies and Tracking Technologies

We use cookies and similar technologies to enhance your experience:

• Essential Cookies: Necessary for basic platform functionality
• Performance Cookies: Help us understand how users interact with our platform
• Functional Cookies: Remember your preferences and settings
• Analytics: Aggregate usage statistics to improve our services

You can control cookie settings through your browser preferences. Note that disabling certain cookies may affect platform functionality.

International Data Transfers

Your information may be transferred to and processed in countries other than your country of residence. We ensure that such transfers are made in accordance with applicable data protection laws and that appropriate safeguards are in place to protect your information.

Children's Privacy

Our services are not intended for individuals under the age of 18. We do not knowingly collect personal information from children under 18. If you become aware that a child has provided us with personal information, please contact us immediately.

Changes to This Privacy Policy

We may update this Privacy Policy from time to time. We will notify you of any material changes by posting the new Privacy Policy on this page and updating the "Last updated" date. We encourage you to review this Privacy Policy periodically for any changes.

Contact Us

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