1. Introduction
Welcome to FinPal, operated by LakeSide Software Dev, Inc., a Delaware corporation ("FinPal," "we," "us," or "our"). This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our financial planning application and website (collectively, the "Service").
By using FinPal, you agree to the collection and use of information in accordance with this Privacy Policy. If you do not agree with our policies and practices, please do not use our Service.
Key Privacy Principles
We will never sell your data. Your financial information is sensitive and personal. We use it solely to provide you with personalized financial recommendations and to improve our Service. We do not and will not sell, rent, or trade your personal or financial data to third parties.
2. Information We Collect
2.1 Personal Information
We collect information that you provide directly to us, including:
- Account Information: Name, email address, and password when you create an account
- Contact Information: Email address and any other contact details you provide
2.2 Financial Information
To provide personalized financial planning services, we collect:
- Debt Information: Details about your debts, including amounts, interest rates, and payment history
- Income Information: Your income sources and amounts
- Expense Information: Your spending patterns and expenses
- Financial Goals: Your savings goals, retirement plans, and other financial objectives
- Payment History: Records of payments you make towards your debts
2.3 Usage Data
We automatically collect certain information when you use our Service:
- Device Information: Device type, operating system, and browser type
- Usage Analytics: How you interact with our Service, features used, and time spent
- Log Data: IP address, access times, and pages viewed
3. How We Use Your Information
3.1 To Provide Our Service
- Create and manage your account
- Generate personalized financial roadmaps and debt repayment strategies
- Calculate optimal payment allocations and timing
- Provide daily plan updates and recalculations
- Send you notifications about your financial progress
3.2 To Improve Our Service
Aggregate Statistics: We analyze anonymized and aggregated data from our user base to create statistics such as:
- Average debt amounts across our user base
- Average debt payoff times
- Common debt repayment strategies that prove most effective
- Product usage patterns to enhance features
By using FinPal, you agree to allow us to use your data in anonymized, aggregated form for these internal statistics and product improvements. This data cannot be traced back to you individually and helps us make FinPal better for everyone.
3.3 To Communicate With You
- Send you email updates about your account and financial progress
- Respond to your inquiries and provide customer support
- Send you marketing communications (which you can opt out of)
- Notify you of changes to our Service or policies
4. Data Storage and Security
4.1 Data Storage
Your data is securely stored using Supabase, a trusted database platform. Supabase provides enterprise-grade security and reliability for your information.
4.2 Security Measures
We implement industry-standard security measures to protect your information:
- Encryption: Data is encrypted in transit using SSL/TLS and at rest
- Access Controls: Strict access controls limit who can view your data
- Secure Authentication: Your password is encrypted and never stored in plain text
- Regular Security Audits: We regularly review and update our security practices
However, no method of transmission over the Internet or electronic storage is 100% secure. While we strive to protect your information, we cannot guarantee its absolute security.
4.3 Data Retention
We retain your personal and financial information for as long as your account is active or as needed to provide you with our Service. If you delete your account, we will delete or anonymize your personal information within 30 days, except where we are required to retain it for legal or regulatory purposes.
5. Third-Party Services
5.1 Current Third-Party Services
Currently, we only use Supabase for database and authentication services. Supabase has access to your data as necessary to provide these services and is bound by their own privacy policy and security practices.
5.2 Future Third-Party Integrations
If we integrate with additional third-party services in the future (such as analytics tools, payment processors, or bank connection services), we will update this Privacy Policy and notify you accordingly. We will only work with reputable third parties who maintain strong privacy and security standards.
6. Your Rights and Choices
6.1 Access and Update Your Information
You can access and update most of your personal information directly through your FinPal account settings.
6.2 Data Export
You have the right to export your data. You can request a copy of your data in a machine-readable format by contacting us at legal@finpalapp.com or through the data export feature in your account settings.
6.3 Delete Your Account and Data
You can delete your account and all associated data at any time:
- Through the App: Use the account deletion feature in your account settings
- Via Email: Send a deletion request to legal@finpalapp.com
Upon deletion, your personal and financial information will be permanently removed from our systems within 30 days. Note that anonymized aggregate statistics derived from your data may be retained for analytical purposes.
6.4 Email Opt-Out
You can opt out of receiving marketing emails from us by:
- Clicking the "unsubscribe" link in any marketing email
- Adjusting your email preferences in your account settings
- Contacting us at legal@finpalapp.com
Please note that even if you opt out of marketing emails, we will still send you essential service-related communications about your account.
Important Note on Analytics
While you can opt out of marketing emails, by using FinPal you agree to your data being used (in anonymized, aggregated form) to create internal statistics that help us improve the Service. If you do not wish for your data to be used in this way, you must delete your account.
7. Children's Privacy
Our Service is not directed to individuals under the age of 18. We do not knowingly collect personal information from children. If you are a parent or guardian and believe your child has provided us with personal information, please contact us at legal@finpalapp.com, and we will delete such information.
8. California Privacy Rights
If you are a California resident, you have specific rights under the California Consumer Privacy Act (CCPA):
- Right to Know: You have the right to request information about the categories and specific pieces of personal information we collect
- Right to Delete: You have the right to request deletion of your personal information
- Right to Opt-Out: You have the right to opt-out of the sale of personal information (note: we do not sell personal information)
- Right to Non-Discrimination: You have the right not to be discriminated against for exercising your privacy rights
To exercise any of these rights, please contact us at legal@finpalapp.com.
9. International Users
FinPal is based in the United States. If you are accessing our Service from outside the United States, please be aware that your information may be transferred to, stored, and processed in the United States where our servers are located. By using our Service, you consent to the transfer of your information to the United States.
10. Changes to This Privacy Policy
We may update this Privacy Policy from time to time to reflect changes in our practices or for legal, operational, or regulatory reasons. We will notify you of any material changes by:
- Posting the new Privacy Policy on this page
- Updating the "Last Updated" date at the top of this policy
- Sending you an email notification (for significant changes)
Your continued use of our Service after any changes to this Privacy Policy constitutes your acceptance of the updated policy.
11. Contact Us
If you have any questions, concerns, or requests regarding this Privacy Policy or our privacy practices, please contact us at:
LakeSide Software Dev, Inc.
Email: legal@finpalapp.com
Privacy Inquiries: legal@finpalapp.com
Our Commitment to You
At FinPal, we understand that your financial data is deeply personal. We are committed to protecting your privacy, being transparent about our practices, and giving you control over your information. We will never sell your data, and we will always work to earn and maintain your trust.
1. Acceptance of Terms
Welcome to FinPal. These Terms of Service ("Terms") constitute a legally binding agreement between you ("User," "you," or "your") and LakeSide Software Dev, Inc., a Delaware corporation ("FinPal," "we," "us," or "our"), governing your use of the FinPal financial planning application and website (collectively, the "Service").
By creating an account, accessing, or using the Service, you acknowledge that you have read, understood, and agree to be bound by these Terms. If you do not agree to these Terms, you must not use our Service.
2. Description of Service
FinPal is a financial planning application that provides:
- Personalized financial roadmaps and debt repayment strategies
- Optimized payment allocation and timing recommendations
- Dynamic plan updates that recalculate based on your changing financial situation
- Investment analysis and retirement planning tools
- Financial progress tracking and notifications
- Educational content and resources
Important: Not Financial Advice
FinPal provides financial recommendations and planning tools, NOT official financial advice. Our recommendations are generated through proprietary algorithms based on the information you provide. We are not a registered financial advisor, and our Service does not constitute professional financial, legal, or tax advice.
You should consult with a registered financial advisor, accountant, or attorney before making significant financial decisions. FinPal is not legally responsible for the outcomes of financial decisions made based on our recommendations.
3. Account Registration and Eligibility
3.1 Account Creation
To use certain features of the Service, you must create an account. When creating an account, you agree to:
- Provide accurate, current, and complete information
- Maintain and update your information to keep it accurate and current
- Maintain the security of your password and account
- Accept all risks of unauthorized access to your account
- Notify us immediately of any unauthorized use of your account
3.2 Eligibility
You must be at least 18 years old to use FinPal. By using the Service, you represent and warrant that you meet this age requirement.
4. Service Plans and Payments
4.1 Free and Paid Plans
FinPal offers both free and paid subscription plans:
- Free Plan: Basic features and functionality are available at no cost
- Paid Plans: Premium features and enhanced functionality require a paid subscription
4.2 Subscription Terms
If you choose a paid plan:
- Subscriptions automatically renew unless you cancel before the renewal date
- We will charge your payment method on file at the beginning of each billing period
- Prices are subject to change with 30 days' notice
- You can cancel your subscription at any time through your account settings
- Cancellations take effect at the end of the current billing period
- No refunds are provided for partial billing periods
5. User Responsibilities and Conduct
5.1 Accurate Information
You are responsible for providing accurate and complete financial information to FinPal. The quality of our recommendations depends on the accuracy of the information you provide. We are not responsible for incorrect recommendations resulting from inaccurate information.
5.2 Prohibited Uses
You agree NOT to:
- Use the Service for any illegal purpose or in violation of any laws
- Violate the intellectual property rights of FinPal or others
- Attempt to gain unauthorized access to our systems or user accounts
- Interfere with or disrupt the Service or servers
- Use automated systems (bots, scrapers) to access the Service without permission
- Reverse engineer, decompile, or attempt to extract source code from the Service
- Remove, obscure, or alter any legal notices displayed in the Service
- Use the Service to transmit viruses, malware, or other harmful code
- Impersonate any person or entity or misrepresent your affiliation
- Share your account credentials with others
5.3 Data Consent
By using FinPal, you agree to allow us to use your data in anonymized, aggregated form to create internal statistics (such as average debt amounts, average payoff times, etc.) and to improve our Service. This is detailed further in our Privacy Policy.
6. Intellectual Property
6.1 FinPal's Ownership
All content, features, and functionality of the Service, including but not limited to text, graphics, logos, icons, software, algorithms, and trademarks, are the exclusive property of FinPal and are protected by U.S. and international copyright, trademark, and other intellectual property laws.
6.2 Limited License
FinPal grants you a limited, non-exclusive, non-transferable, revocable license to access and use the Service for your personal, non-commercial use, subject to these Terms. This license does not include any right to:
- Resell or commercialize the Service
- Modify or create derivative works based on the Service
- Download or copy content except as specifically permitted
- Use any data mining, robots, or similar data gathering methods
7. Disclaimers and Limitations of Liability
7.1 Service "As Is"
THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT.
7.2 No Guarantee of Results
FinPal does not guarantee any specific financial results or outcomes. The effectiveness of our recommendations depends on many factors, including the accuracy of information you provide, your adherence to the plan, market conditions, and unforeseen circumstances.
7.3 Not Professional Advice
FinPal is not a licensed financial advisor, accountant, or attorney. Our recommendations are informational and educational in nature. They should not be considered as professional financial, legal, or tax advice. You should consult with qualified professionals before making significant financial decisions.
7.4 Limitation of Liability
TO THE MAXIMUM EXTENT PERMITTED BY LAW, FINPAL SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS OR REVENUES, WHETHER INCURRED DIRECTLY OR INDIRECTLY, OR ANY LOSS OF DATA, USE, GOODWILL, OR OTHER INTANGIBLE LOSSES, RESULTING FROM:
- Your use or inability to use the Service
- Any financial decisions made based on our recommendations
- Any unauthorized access to or use of our servers or your personal information
- Any interruption or cessation of the Service
- Any bugs, viruses, or other harmful code
- Any errors or omissions in content
IN NO EVENT SHALL FINPAL'S TOTAL LIABILITY TO YOU EXCEED THE AMOUNT YOU PAID TO FINPAL IN THE TWELVE (12) MONTHS PRECEDING THE CLAIM, OR ONE HUNDRED DOLLARS ($100), WHICHEVER IS GREATER.
8. Indemnification
You agree to indemnify, defend, and hold harmless FinPal, its officers, directors, employees, agents, and affiliates from and against any claims, liabilities, damages, losses, costs, or expenses (including reasonable attorneys' fees) arising out of or relating to:
- Your use of the Service
- Your violation of these Terms
- Your violation of any rights of another party
- Any financial decisions you make based on FinPal's recommendations
9. Termination
9.1 Termination by You
You may terminate your account at any time by:
- Using the account deletion feature in your account settings
- Contacting us at legal@finpalapp.com
9.2 Termination by FinPal
We reserve the right to suspend or terminate your account and access to the Service at our sole discretion, without notice, for conduct that we believe:
- Violates these Terms
- Is harmful to other users, FinPal, or third parties
- Violates applicable laws or regulations
- Is otherwise inappropriate or objectionable
9.3 Effect of Termination
Upon termination:
- Your right to use the Service will immediately cease
- We will delete your personal data as described in our Privacy Policy
- You will not be entitled to any refunds for unused subscription time
- Provisions that by their nature should survive termination will continue to apply
10. Changes to the Service and Terms
10.1 Service Modifications
We reserve the right to modify, suspend, or discontinue any aspect of the Service at any time, with or without notice. We will not be liable to you or any third party for any modification, suspension, or discontinuation of the Service.
10.2 Terms Modifications
We may update these Terms from time to time. If we make material changes, we will notify you by:
- Posting the new Terms on this page
- Updating the "Last Updated" date
- Sending you an email notification (for significant changes)
Your continued use of the Service after changes to these Terms constitutes your acceptance of the updated Terms.
11. Governing Law and Dispute Resolution
11.1 Governing Law
These Terms shall be governed by and construed in accordance with the laws of the State of Delaware, without regard to its conflict of law provisions.
11.2 Dispute Resolution
Any dispute arising from these Terms or the Service shall be resolved through good faith negotiations. If negotiations fail, disputes shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association.
12. Miscellaneous
12.1 Entire Agreement
These Terms, together with our Privacy Policy, constitute the entire agreement between you and FinPal regarding the Service and supersede all prior agreements.
12.2 Severability
If any provision of these Terms is found to be unenforceable, the remaining provisions will remain in full force and effect.
12.3 Waiver
Our failure to enforce any right or provision of these Terms will not be considered a waiver of those rights.
12.4 Assignment
You may not assign or transfer these Terms or your account without our prior written consent. We may assign these Terms without restriction.
13. Contact Information
If you have any questions about these Terms, please contact us at:
LakeSide Software Dev, Inc.
Email: legal@finpalapp.com
Legal Inquiries: legal@finpalapp.com
Thank You for Using FinPal
We appreciate your trust in FinPal to help you on your financial journey. These Terms are designed to protect both you and us while providing clarity about how our Service works. If you have questions or concerns, we're here to help.