Privacy Policy

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.

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.

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