Privacy Policy

Information We Collect

We collect the following types of information:

Information You Provide

• Email address and password when creating an account
• Financial inputs you enter when using our tools (for example income, expenses, savings, and scenario details)

Information We Collect Automatically

When you use the Services, our hosting and infrastructure providers may automatically collect basic technical information such as IP address, browser type, and request timestamps needed to operate and secure the site.

We also use PostHog, a product analytics service, to understand how people use our website and app (for example which pages are viewed and which buttons are clicked). PostHog may set cookies or use similar local storage so we can tell returning visits apart from new ones. We use this information to improve the product — not for advertising.

How We Use Your Information

We use your data to:

• Provide, operate, and improve our Services
• Authenticate your account and keep it secure
• Generate the personalized projections and visualizations you request
• Understand site and product usage so we can improve the experience

How We Share Your Information

We do not sell your personal information. We may share data with:

• Infrastructure and hosting providers that help us run the Services (for example cloud hosting and authentication)
• Analytics providers (currently PostHog) that process usage data on our behalf
• Legal authorities when required by law or to protect our rights

Cookies & Analytics

Essential cookies and local storage may be used to keep you signed in and to operate the site securely. Analytics cookies (via PostHog) help us measure traffic and feature usage. You can clear or block cookies in your browser settings; doing so may affect some features.

Bank Accounts & Payments

SmrtSpending does not require you to link a bank account. We do not currently collect or process payment or billing information.

Security

We implement reasonable technical and organizational safeguards (such as HTTPS and encryption) to protect your personal information. However, no method of transmission over the internet is 100% secure.

Your Rights & Choices

You may update or delete your account information from within the app at any time. If you need help accessing or deleting your personal data and cannot do so from your account, reach out through our social channels listed in the site footer.

Children's Privacy

Our Services are not intended for individuals under the age of 13. We do not knowingly collect personal data from children.

Changes to This Privacy Policy

We may update this policy periodically. Any changes will be posted here with an updated "last modified" date.