Privacy Policy

1. Introduction

i-FinanceTree ("we", "our", or "us") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, and protect your personal information when you use our personal financial dashboard service.

2. Data Collection & Processing

2.1 Data Categories We Collect

• Account Information: Name, email address, password (encrypted)
• Financial Data: Asset values, liability amounts, savings goals, net worth calculations
• Usage Data: Login times, features used, session duration
• Technical Data: IP address, browser type, device information
• Authentication Data: OAuth tokens from third-party providers (Google)

2.2 Lawful Basis for Processing

We process your personal data based on the following legal grounds:

• Consent: You have given clear consent for us to process your data for specific purposes
• Contract Performance: Processing is necessary to provide the financial dashboard service
• Legitimate Interest: Improving our service, security, and user experience

2.3 Purpose Limitation

We use your data solely for the following purposes:

• Providing financial dashboard and tracking services
• Calculating net worth and financial metrics
• Generating financial insights and visualizations
• Account management and authentication
• Service improvement and security

2.4 Data Minimization

We collect only the minimum data necessary to provide our services effectively. We do not collect unnecessary personal information.

3. Your Rights (GDPR/CCPA)

3.1 Access Rights

You have the right to request a copy of all personal data we hold about you. We will provide this information in a structured, commonly used format within the timeframe required by applicable law.

3.2 Correction Rights

You can update and correct your personal information by contacting us directly. We will assist you in making necessary corrections to your data.

3.3 Deletion Rights ("Right to be Forgotten")

You have the right to request deletion of your personal data. We will process such requests in accordance with applicable law, unless we have a legal obligation to retain certain information.

3.4 Data Portability

Where applicable, you have the right to receive your personal data in a structured, commonly used format. Please contact us to request data portability.

3.5 Opt-out Rights

You can opt-out of certain data processing activities. However, this may limit the functionality of our service.

3.6 Exercising Your Rights

To exercise any of these rights, please contact us through our website. We will respond within the timeframe required by applicable law and may require identity verification.

4. Data Security & Retention

4.1 Security Measures

We implement appropriate technical and organizational security measures to protect your personal data against unauthorized access, alteration, disclosure, or destruction. These measures include:

• Industry-standard encryption for data storage and transmission
• Secure authentication and access controls
• Regular security assessments and updates
• Employee training on data protection practices

4.2 Data Retention

We retain your personal data only for as long as necessary to fulfill the purposes for which it was collected, comply with legal obligations, or resolve disputes. When data is no longer needed, we securely delete or anonymize it.

4.3 Data Breach Response

In the unlikely event of a data breach that affects your personal information, we will promptly investigate the incident and take appropriate remedial action. We will notify you and relevant authorities as required by applicable law.

5. Data Sharing and Third Parties

5.1 No Data Selling

We do not sell, rent, or trade your personal information to third parties for marketing purposes.

5.2 Service Providers

We may share data with trusted service providers who assist in operating our service:

• Cloud hosting providers (with data processing agreements)
• Authentication services (Google OAuth)
• Analytics providers (anonymized data only)

5.3 Legal Requirements

We may disclose your information when required by law or to protect our rights, property, or safety.

6. Cookies and Tracking

We use essential cookies for authentication and session management. We do not use tracking cookies for advertising purposes.

7. Changes to This Policy

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

8. Contact Us

If you have any questions about this Privacy Policy or our data practices, please contact us through our website.