Information We Collect

When you use our budget tracking platform, we collect several types of information to provide you with the best possible service. This includes information you directly provide and data we automatically gather through your interactions with our system.

Personal Information You Provide

• Account registration details (name, email address, phone number)
• Financial data you input into our budget tracking tools
• Communication preferences and customer support interactions
• Payment information for subscription services
• Profile settings and customization choices

Automatically Collected Data

Our systems automatically collect technical information to improve your experience and maintain security. This includes your IP address, browser type, device information, and usage patterns within our application.

How We Use Your Information

Your information serves specific purposes that directly benefit your experience with our platform. We process your data to deliver budget tracking services, maintain account security, and provide customer support when needed.

Core Service Delivery

We use your financial information to generate budget reports, track spending patterns, and provide personalized recommendations. Your account details help us authenticate your access and maintain your preferences across sessions.

Communication and Support

We may contact you about important account updates, security notifications, or service improvements. You can control most communication preferences through your account settings, though some security-related notifications remain mandatory for account protection.

Data Storage and Security

Your information is stored on secure servers located in Taiwan, with additional backup systems to ensure data availability. We implement industry-standard encryption for data transmission and storage, protecting your information from unauthorized access.

Technical Safeguards

• 256-bit SSL encryption for all data transmissions
• Regular security audits and vulnerability assessments
• Multi-factor authentication options for account access
• Automated backup systems with secure recovery procedures
• Restricted employee access based on job responsibilities

Data Retention Periods

We retain your account information for as long as your account remains active. Financial data entered into our budget tracking tools is kept for seven years to comply with Taiwan financial record-keeping requirements. You can request earlier deletion of non-essential data through your account settings.

Your Privacy Rights

Under Taiwan's Personal Data Protection Act and international privacy standards, you have several important rights regarding your personal information. We've designed our systems to make exercising these rights straightforward and efficient.

Third-Party Integrations

Our budget tracking system integrates with select financial institutions and payment processors to enhance functionality. These integrations are carefully vetted and operate under strict data sharing agreements.

Banking Connections

When you connect bank accounts to our platform, we use read-only access through secure banking APIs. We never store your banking credentials directly – all connections use token-based authentication that you can revoke at any time.

Payment Processing

Subscription payments are processed through certified payment providers who maintain PCI DSS compliance. We don't store complete credit card numbers on our servers – only encrypted payment tokens for recurring billing.

International Data Transfers

While our primary servers are located in Taiwan, some data processing may occur in other jurisdictions for backup and disaster recovery purposes. All international transfers comply with Taiwan's data protection requirements and include appropriate safeguards.

Cookie and Tracking Policy

Our website uses essential cookies to maintain your login session and remember your preferences. We also use analytics cookies to understand how users interact with our platform, helping us improve functionality and user experience.

Cookie Categories

• Essential cookies: Required for basic platform functionality
• Preference cookies: Remember your settings and customizations
• Analytics cookies: Help us understand usage patterns and improve our service
• Security cookies: Protect against fraudulent activity and unauthorized access

Changes to This Policy

We review and update this privacy policy annually or when significant changes occur to our data practices. Major updates will be communicated through email notifications and prominent notices within our application.

Minor clarifications or additions may be made without advance notice, but we'll always maintain the current version date at the top of this document. We encourage you to review this policy periodically to stay informed about how we protect your information.

Legal Compliance

Our data practices comply with Taiwan's Personal Data Protection Act, and we maintain registration with relevant data protection authorities. We may disclose personal information when required by law enforcement or legal proceedings, but only to the extent legally required.

For privacy-related requests, please include "Privacy Request" in your subject line and provide sufficient detail for us to verify your identity and process your request efficiently. We typically respond within 15 business days.