1. Introduction

At ExpensePal, we respect your privacy and are committed to protecting your personal data. This privacy policy will inform you as to how we look after your personal data when you visit our website or use our mobile application and tell you about your privacy rights and how the law protects you.

2. The Data We Collect

We may collect, use, store and transfer different kinds of personal data about you which we have grouped together as follows:

Identity Data: includes first name and last name.
Contact Data: includes email address.
Financial Data: includes transaction history, account balances, and budget information provided by you or imported via SMS/Bank sync.
Technical Data: includes IP address, login data, browser type and version, and operating system.
Usage Data: includes information about how you use our app and services.

3. How We Use Your Data

We will only use your personal data when the law allows us to. Most commonly, we will use your personal data in the following circumstances:

To provide the core services of ExpensePal, including AI-powered insights.
To manage your account and provide customer support.
To fulfill our contract with you regarding subscriptions and payments.
To notify you about changes to our service.
Where it is necessary for our legitimate interests to improve our services.

4. Sharing Your Data

We may share your data with third-party service providers who perform services for us or on our behalf, such as authentication services (Clerk), and AI tools. We require all third parties to respect the security of your personal data and to treat it in accordance with the law.

5. Data Security

We have put in place appropriate security measures to prevent your personal data from being accidentally lost, used or accessed in an unauthorized way, altered or disclosed. We limit access to your personal data to those employees, agents, contractors and other third parties who have a business need to know.

6. Your Legal Rights

Under certain circumstances, you have rights under data protection laws in relation to your personal data, including the right to request access, correction, erasure, restriction, transfer, or to object to processing. If you wish to exercise any of these rights, please visit our Privacy Portal or contact us directly.