Privacy Policy

1. Information We Collect

We collect information you provide directly to us, including:

• Account information: email address, name, and password (hashed)
• Financial data: income, savings, debt, housing, and other data you enter to run projections
• Usage data: features used, pages visited, and interactions with the service
• Payment information: processed by Stripe — we do not store your card details

2. How We Use Your Information

We use the information we collect to:

• Provide, maintain, and improve the service
• Process transactions and send related information
• Send you technical notices, updates, and support messages
• Respond to your comments and questions
• Monitor and analyze usage patterns to improve user experience

We do not sell your personal information to third parties. We do not use your financial data for advertising purposes.

3. Data Storage and Security

Your data is stored securely using Supabase with row-level security policies, ensuring each user can only access their own data. We use industry-standard encryption for data in transit (TLS) and at rest. Payment processing is handled by Stripe, which is PCI-DSS compliant.

4. Data Sharing

We may share your information with:

• Service providers: Supabase (database), Stripe (payments), Vercel (hosting) — only as necessary to operate the service
• Legal requirements: when required by law or to protect our rights

We do not share your financial data with any other third parties.

5. Cookies

We use cookies and similar tracking technologies solely for authentication purposes (keeping you logged in). We do not use cookies for advertising or cross-site tracking.

6. Your Rights

You have the right to:

• Access: request a copy of the data we hold about you
• Correction: update inaccurate information via your account settings
• Deletion: request deletion of your account and all associated data
• Portability: request an export of your financial data

To exercise these rights, contact us at hello@insightfulfinances.com.

7. Data Retention

We retain your data for as long as your account is active. When you delete your account, we delete your personal information within 30 days, except where we are required by law to retain it longer.

8. Children’s Privacy

Our service is not directed to individuals under 18 years of age. We do not knowingly collect personal information from children.

9. Changes to This Policy

We may update this privacy policy from time to time. We will notify you of changes by updating the date at the top of this policy and, for significant changes, by email.

10. Contact Us

For privacy-related questions, contact us at hello@insightfulfinances.com.