Privacy Policy

1. Information We Collect

We collect various types of information to provide, improve, and maintain the Service.

Account Information

When you create an account, we may collect your name, email address, username, and account preferences.

Transaction Data

We collect the financial information you manually enter into the app, including:

• Transaction names
• Expense and income details
• Categories and budgeting information
• Amounts and due dates
• Payment schedules and reminders
• Recurring transaction settings
• Notes and custom labels

MySpendJournal does not intentionally collect or store online banking credentials, full bank account numbers, debit card numbers, or credit card authentication information.

Financial Document Imports

Users may upload CSV files, PDF bank statements, receipts, or other transaction-related documents to import financial data.

Uploaded files may be temporarily processed to:

• Extract transaction details
• Categorize transactions
• Detect duplicate entries
• Improve budgeting organization

Uploaded documents may contain financial information such as balances, transaction history, merchant names, or partial account identifiers.

Calendar Integration Data

If you choose to connect calendar services such as Google Calendar, we may create and manage calendar events associated with reminders, recurring transactions, and due dates.

Subscription and Billing Information

If you purchase a premium subscription or trial, we may collect limited subscription-related information such as:

• Subscription plan type
• Billing status
• Trial status
• Renewal dates
• Transaction confirmations

Payment processing is handled by third-party providers, and MySpendJournal does not store full payment card details.

2. Automatically Collected Information

Usage Data

We may collect information about how you interact with the Service, including:

• Pages visited
• Features used
• Time spent in the app
• Login activity
• Interactions with transactions and budgeting tools

Device Information

We may collect information about the device you use to access the Service, including:

• Device type
• Operating system
• Browser type
• App version
• Unique device identifiers

Analytics and Performance Data

We may use analytics and diagnostic tools to improve app performance, reliability, and user experience.

Analytics providers may include:

• Google Analytics
• Google Play analytics tools
• Amazon Appstore analytics
• Infrastructure and monitoring providers

3. Notifications and Reminder Features

If you enable alerts, notifications, reminders, or calendar syncing, we may process information necessary to provide those features.

• Notification preferences
• Reminder schedules
• Email reminder settings
• Device notification tokens
• Recurring transaction schedules

4. How We Use Your Information

We use your information to provide and improve the Service, including:

• To provide and maintain the Service
• To manage user accounts and authentication
• To process budgeting and transaction information
• To import and organize uploaded financial documents
• To provide reminders, alerts, and calendar synchronization
• To improve performance, stability, and usability
• To analyze app usage trends
• To manage subscriptions and premium access
• To operate optional gamification features
• To prevent abuse, fraud, or technical issues

5. How We Share Information

We do not sell your personal information.

We may share information with trusted service providers that help us operate the Service, including hosting providers, analytics providers, email services, infrastructure monitoring providers, and payment processors.

Subscription payments may be processed through third-party services such as:

• PayPal
• Google Play
• Amazon Appstore
• Microsoft Store

We may also disclose information if required by law, to protect our rights, to prevent fraud or abuse, or as part of a business transfer such as a merger, acquisition, or sale of assets.

6. Gamification and Community Features

MySpendJournal may offer optional engagement features such as:

• Coins and rewards
• Streak tracking
• Achievements and badges
• Leaderboards

If public leaderboards are enabled, limited profile information such as usernames, rankings, or achievement progress may be visible to other users.

7. Platform Permissions and Device Access

Depending on your device and enabled features, MySpendJournal may request access to:

• Storage access for CSV and PDF imports
• Notification permissions
• Calendar permissions
• Offline caching and storage for PWA functionality

These permissions are used only to provide requested app functionality and can typically be managed through your device, browser, or platform settings.

8. Automated Processing and Smart Features

MySpendJournal may use automated systems to assist with:

• Transaction categorization
• Duplicate detection
• Financial document parsing
• Spending analysis

Users should review imported and automatically categorized data for accuracy.

9. Data Security

We implement security measures including encryption, secure server environments, authentication protections, and access controls to help protect your information.

However, no method of electronic transmission or storage is completely secure. While we work to protect your information, we cannot guarantee absolute security.

10. Data Retention

We retain information as long as necessary to provide the Service, comply with legal obligations, resolve disputes, enforce agreements, and maintain backup or recovery systems.

11. Your Rights

Depending on your jurisdiction, you may have rights regarding your data, including access, correction, deletion, portability, objection, restriction of processing, and withdrawal of consent.

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

12. Third-Party Links

The Service may contain links to third-party websites or services. We are not responsible for the privacy practices, security, or content of third-party services.

13. Children's Privacy

MySpendJournal is not intended for children under the age of 13, and we do not knowingly collect personal information from children.

14. Changes to This Privacy Policy

We may update this Privacy Policy periodically. When changes are made, we will update the "Last Updated" date at the top of this page.

Continued use of the Service after updates constitutes acceptance of the revised policy.

15. Contact Us