At SPEND IQ, we take your privacy seriously. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our expense tracking service.

Open Source and Hosting Options

SPEND IQ is an open source project available in two forms:

Self-hosted version: If you choose to self-host SPEND IQ, you maintain complete control over your data. In this case, we do not collect or have access to any of your information. This privacy policy applies only to the data collection practices of our official hosted service.
Hosted service: If you use our hosted service for a monthly fee, this privacy policy describes how we handle your data.

The remainder of this privacy policy applies to users of our hosted service.

1. Information We Collect

We collect several types of information from and about users of our service, including:

Personal information (name, email address, contact information)
Account credentials (for our service only, not your bank credentials)
Financial information (transaction data, account balances, spending categories)
Usage data (how you interact with our service)
Device information (browser type, IP address, device identifiers)

2. How We Collect Information

We collect information directly from you when you:

Register for our service
Connect your bank accounts
Interact with our service
Communicate with us

We also collect information through automated technologies such as cookies and similar tracking technologies.

3. How We Use Your Information

We use your information to:

Provide and maintain our service
Process and categorize your financial transactions
Provide personalized spending insights and recommendations
Send notifications about your budgets and spending
Improve and enhance our service
Respond to your inquiries and support requests
Detect, prevent, and address technical issues or fraudulent activities

4. Disclosure of Your Information

We may disclose your information to:

Service providers that assist us in providing our service
Business partners with your consent
Legal authorities when required by law or to protect our rights

We do not sell your personal information to third parties.

5. Data Security

We implement appropriate technical and organizational measures to protect your information. However, no method of transmission over the Internet or electronic storage is 100% secure, and we cannot guarantee absolute security.

6. Your Privacy Rights

Depending on your location, you may have certain rights regarding your personal information, such as:

Access to your personal information
Correction of inaccurate information
Deletion of your information
Restriction or objection to processing
Data portability

To exercise these rights, please contact us using the information provided below.

7. Changes to Our Privacy Policy

We may update our Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on this page and updating the "Last Updated" date.

8. Contact Information

If you have any questions about this Privacy Policy, please contact us at privacy@spendiq.com.