Privacy Policy – Savetime Calculator

Your financial information is personal and we treat it that way. This Privacy Policy explains how we collect, use, protect, and respect your data when you use the Savetime Calculator app. We operate with the principle that your financial records belong to you, and our responsibility is to safeguard them.

1. Information We Collect

When you create an account or use Savetime Calculator, we may collect:

• Account Information: Your email address (and in future, your phone number) for secure login, communication, and account recovery.
• Transaction Data: Details you enter about income, expenses, budgets, or group contributions. This is stored securely and is visible only to you (or authorized group members where applicable).
• Device & Security Data: Technical information (such as device type, IP address, and app usage logs) to help prevent fraud and ensure secure access.

2. How We Use Your Information

We use your data strictly to:

• Provide and maintain the app’s core functions.
• Secure your account and transactions against unauthorized access.
• Send important updates about your account or system improvements.
• Offer customer support and resolve issues quickly.

We do not sell, rent, or trade your information ever.

3. Data Sharing

Your data is private. We share it only in these limited situations:

• With trusted third-party providers (e.g., payment processors like PayPal or M-Pesa) who help us operate the app, and only to the extent necessary for the service.
• When it is absolutely necessary to protect your account, comply with legitimate legal requirements, or ensure the safe and lawful operation of our services and only after careful review.

All third-party providers we work with are required to protect your information with strict confidentiality and security measures.

4. How We Protect Your Information

We treat your financial data with the same care as a bank. Our protections include:

• Encryption of data in transit (SSL/TLS) and at rest.
• Restricted access to data on a strict “need-to-know” basis.
• Regular system security testing and updates.
• Automated monitoring for unusual activity or unauthorized access attempts.

5. Data Retention

We retain your information only for as long as your account is active or as required to comply with legal, accounting, or reporting obligations. You may request full deletion of your account and associated data at any time.

6. Your Rights

You have the right to:

• Access the data we hold about you.
• Correct inaccuracies in your account information.
• Request permanent deletion of your account and data.
• Export your data in a portable format.

These requests can be made through your profile settings or via our Contact page.

7. Group & Shared Accounts

If you participate in a group account (e.g., for a savings group or fundraiser), certain financial data will be visible to authorized group members only. Group administrators cannot see your personal transactions outside the shared account.

8. Children’s Privacy

Savetime Calculator is not intended for children under 13. We do not knowingly collect information from children under this age. If we learn that we have collected personal data from a child, we will delete it promptly.

9. Changes to This Policy

We may update this Privacy Policy as our services evolve. If we make significant changes, we will notify you via email or in-app notification before they take effect.

10. Contact Us

If you have any questions, concerns, or requests regarding your privacy, please contact us through our Contact page. We respond to all privacy-related inquiries promptly.