1. Information We Collect

Personal Information

• Account Information: Name, email address, password (encrypted)
• Profile Data: Account preferences, user settings, theme choices
• Communication: Support requests, feedback, and suggestions

Financial Information

• Account Data: Bank/credit card names (not numbers), balances, payment due amounts
• Transaction Records: Expenses, income, payments, transfers
• Subscription Data: Recurring payment schedules and amounts
• Analytics: Spending patterns and financial trends (aggregated only)

Technical Information

• Usage Data: Pages visited, features used, session duration
• Device Information: Browser type, operating system, IP address
• Cookies: Session tokens, preferences, authentication data

2. How We Use Your Information

Primary Services

• Provide financial tracking and management tools
• Process payments and manage subscriptions
• Generate reports and analytics for your accounts
• Sync data across your devices and sessions

Communication

• Send account notifications and bill reminders
• Respond to support requests and feedback
• Notify about service updates and new features
• Send important security and account alerts

Service Improvement

• Analyze usage patterns to improve features
• Debug technical issues and enhance performance
• Develop new tools based on user feedback
• Ensure platform security and prevent fraud

3. Data Protection and Security

Encryption and Storage

• Encryption: All data is encrypted both in transit (SSL/TLS) and at rest
• Database Security: MongoDB with role-based access controls
• Password Protection: Passwords are hashed using bcrypt
• Secure Hosting: Servers protected with firewalls and monitoring

Access Controls

• Multi-user accounts with role-based permissions
• Session-based authentication with automatic timeouts
• Account isolation - users can only access their own data
• Administrative access logged and monitored

4. Information Sharing and Disclosure

We DO NOT Share Your Data With:

• ❌ Third-party advertisers or marketing companies
• ❌ Data brokers or analytics companies
• ❌ Social media platforms
• ❌ Government agencies (except when legally required)

Limited Sharing Only For:

• Payment Processing: PayPal for subscription payments (minimal data only)
• Technical Support: Authorized personnel for troubleshooting
• Legal Requirements: When required by law or to protect our rights
• Business Transfer: In case of merger or acquisition (users will be notified)

5. Your Privacy Rights

Account Control

• Access: View all data associated with your account
• Export: Download your financial data in standard formats
• Update: Modify your account information and preferences
• Delete: Permanently remove your account and all associated data

Communication Preferences

• Opt out of non-essential email communications
• Choose which notifications you receive
• Set frequency of bill reminders and alerts
• Control marketing and feature update emails

6. Cookies and Tracking

• Essential Cookies: Required for login and session management
• Preference Cookies: Remember your theme and settings
• Analytics: Understand how users interact with our platform
• No Third-Party Tracking: We don't use external analytics or advertising cookies

7. Data Retention

• Active Accounts: Data retained while account is active
• Deleted Accounts: Data permanently deleted after 90 days
• Backup Data: Encrypted backups retained for disaster recovery
• Legal Hold: Data may be retained longer if required by law

8. Children's Privacy

• Financial Records is not intended for children under 13
• We do not knowingly collect information from children
• Teens 13-17 require parental consent
• Parents can request deletion of their child's data

9. International Users

• Data is processed and stored in secure data centers
• We comply with applicable international privacy laws
• European users have additional rights under GDPR
• Data transfer protections are in place where required

10. Changes to This Policy

• We will notify users of material changes via email
• Updated policy will be posted on our website
• Continued use implies acceptance of changes
• Users can delete their account if they disagree

11. Contact Us

For privacy-related questions or requests:

• Email: info@financialrecords.net
• Subject Line: "Privacy Policy Question"
• Feedback Form: Use our "Suggest a Feature" form
• Account Settings: Manage privacy preferences in your account