Welcome to PocketBuddy! Your privacy matters to us, and we’re committed to protecting it. Here’s a clear and straightforward explanation of what we do with your information when you use our app.

1. Introduction

PocketBuddy ("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 mobile application (the "App").

2. Information We Collect

2.1 Personal Information

• Account Information: Name, email address, phone number

• Authentication Data: Login credentials for Apple and Google Sign-In

2.2 Financial Information

• Bank Account Data: Through bank integration, we may access:

  • Account balances and transaction history

  • Bank account details (IBAN, currency, account names)

  • Institution information (bank names, logos)

• Spending Data:

  • Daily spending limits and remaining balances

  • Transaction details and categorization

  • Spending periods and financial goals

  • Bill payment information

2.3 Technical Information

• Device Information: Device type, operating system, app version

• Usage Analytics: App usage patterns, feature interactions

• Crash Reports: Error logs and performance data via Firebase Crashlytics

• Push Notifications: Firebase Cloud Messaging tokens for notifications

2.4 AI Interaction Data

• Chat Messages: We do not log conversations with our AI financial assistant

• AI-Generated Notes: Insights and categorizations for transactions

• Financial Queries: Questions and requests for financial advice

3. How We Use Your Information

3.1 Core App Functionality

• Provide spending tracking and budget management features

• Connect and sync with your bank accounts

• Calculate spending limits and remaining balances

• Track financial goals and spending periods

• Generate spending insights and analytics

3.2 AI Assistant Services

• Process your financial queries and provide personalized advice

• Analyze spending patterns to offer insights

• Categorize transactions and add contextual notes

3.3 App Improvement

• Analyze usage patterns to improve app functionality

• Monitor app performance and fix technical issues

• Develop new features based on user behavior

• Ensure app security and prevent fraud

3.4 Communication

• Send important app updates and notifications

• Provide customer support and respond to inquiries

• Send account-related communications

4. Information Sharing and Disclosure

4.1 Service Providers

We work with trusted third-party service providers to:

• Process bank account connections securely

• Provide AI assistant functionality

• Store and manage your data securely

• Analyze app usage and performance

4.2 Legal Requirements

We may disclose your information if required by law or to protect our rights and safety.

4.3 Business Transfers

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

5. Data Security

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

• Encryption of data in transit and at rest

• Secure authentication and authorization

• Regular security assessments

• Access controls and monitoring

6. Data Retention

• Account Data: Retained while your account is active

• Financial Data: Stored according to regulatory requirements

• Analytics Data: Retained for app improvement purposes

You may request deletion of your data by contacting us or deleting your account.

7. Your Rights and Choices

7.1 Access and Control

• View and update your personal information

• Delete your account and associated data

• Opt out of certain data collection

• Request data portability

7.2 Bank Account Connection

• You can disconnect bank accounts at any time from the app

• Banking integration can be revoked through your bank's settings

• We do not store your bank login credentials

7.3 AI Assistant

• You can choose not to use the AI chat feature

• AI-generated notes can be edited or removed

8. Children's Privacy

Our app is not intended for children under 16. We do not knowingly collect personal information from children under 16.

9. International Data Transfers

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

10. 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 policy in the app or sending you a notification.

11. Contact Us

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

Email: pocketbuddy@emlsm.tech

12. California Privacy Rights

California residents have additional rights under the California Consumer Privacy Act (CCPA). Please contact us for more information about your CCPA rights.

13. GDPR Compliance (EU Users)

If you are in the European Union, you have additional rights under the General Data Protection Regulation (GDPR). Please contact us for more information about your GDPR rights.