LEGAL

Privacy Policy

Effective Date: February 20, 2026

SpendSeer ("we", "us", or "our") operates the SpendSeer website and application (the "Service").

This Privacy Policy explains what information we collect, how we use it, and your rights regarding your information.

1. Information We Collect

Account Information

• Email address
• Name (if provided)
• Authentication credentials

Financial Data

• Spending and income data you enter
• Budget categories and financial summaries
• Uploaded statement files (CSV, OFX/QFX, or PDF, if applicable)

Billing Information

Payments are processed securely by Stripe. We do not store full credit card numbers. We may receive limited billing details such as:

• Customer name
• Billing email
• Subscription status
• Partial payment metadata

Usage Data

We may collect limited technical data such as:

• Browser type
• Device type
• IP address
• Basic usage data for improving the Service (such as feature usage counts)

Cookies

We use session cookies necessary for authentication and to keep you signed in. We do not use cookies for advertising or tracking.

API Tokens

If you create API tokens to connect third-party tools or assistants, those tools can access your data subject to your own configuration and permissions. We are not responsible for how third-party tools handle data they access via your tokens.

2. How We Use Your Information

We use your information to:

• Provide and maintain the Service
• Process subscriptions and payments
• Improve product functionality and reliability
• Provide customer support
• Communicate important updates
• Maintain security and prevent abuse

We do not sell your personal data.

3. Data Storage & Security

We take reasonable technical and organizational measures to protect your information. However, no system can guarantee absolute security.

4. Data Sharing

We share data only with trusted third-party providers necessary to operate the Service, such as:

• Stripe (payment processing)
• Cloudflare (site delivery, security, and email routing)
• Google services (used to operate the Service)
• Hosting providers

These providers are required to safeguard your information.

We do not share or sell your financial data to advertisers.

5. Data Retention

We retain your data while your account is active.

You may request deletion of your account at any time by contacting [email protected].

Upon deletion:

• Your account data will be removed within 30 days.
• Certain billing or transaction records may be retained as required by law.

6. Data Export

You may export your data through the application where available.

7. International Users

If you access the Service from outside Canada, you understand that your data may be processed in jurisdictions where our service providers operate.

8. Your Rights

Depending on your location, you may have rights to:

• Access your personal data
• Request correction of inaccurate data
• Request deletion
• Withdraw consent (where applicable)

To exercise these rights, contact [email protected].

9. Changes to This Policy

We may update this Privacy Policy from time to time. Continued use of the Service after changes are posted constitutes acceptance of the revised policy.

10. Contact

SpendSeer
[email protected]