Information We Collect

We collect information to provide better budgeting services and improve your financial planning experience. Here's what we gather and why it matters for your budgeting journey.

Personal Information

• Name, email address, and contact details when you create an account
• Financial information you choose to input for budgeting calculations
• Income sources and expense categories you define
• Budget goals and financial preferences you set
• Communication preferences and notification settings

Technical Information

Our system automatically collects certain technical data to ensure smooth operation and security of your budgeting tools.

• Device information including browser type and operating system
• IP address and general location data for security purposes
• Usage patterns within our budgeting interface
• Session duration and feature interaction data
• Error logs and performance metrics for system improvements

How We Use Your Information

Your data serves specific purposes related to providing effective budgeting services. We don't use your information for unrelated marketing or sell it to third parties.

Service Provision

• Processing your budgeting calculations and generating financial reports
• Storing your budget categories and spending plans securely
• Sending notifications about budget limits or financial goals
• Providing customer support when you encounter issues
• Maintaining your account security and preventing unauthorized access

Service Improvement

We analyze usage patterns to enhance our budgeting tools, but this analysis uses aggregated, anonymized data that cannot be traced back to individual users.

• Identifying commonly used budget categories to improve our templates
• Understanding which features help users achieve their financial goals
• Detecting and fixing technical problems in our system
• Developing new budgeting tools based on user needs

Information Sharing and Disclosure

We maintain strict control over your personal information. Sharing only occurs in limited circumstances and always with appropriate protections in place.

Service Providers

We work with carefully selected service providers who help us operate our budgeting platform. These companies sign strict confidentiality agreements and can only use your data for the specific services they provide to us.

• Cloud hosting providers for secure data storage
• Email service providers for account notifications
• Security monitoring services to protect against threats
• Analytics providers using anonymized data only

Legal Requirements

We may disclose information when required by South Korean law or to protect our users and service integrity. This includes responding to valid legal requests or preventing fraud.

Data Security and Protection

Financial data requires the highest level of security. We implement multiple layers of protection to safeguard your information from unauthorized access, loss, or misuse.

Technical Safeguards

• SSL encryption for all data transmission between your device and our servers
• AES-256 encryption for data storage in our secure databases
• Regular security audits and vulnerability assessments
• Multi-factor authentication options for your account access
• Automated monitoring for suspicious account activity

Administrative Controls

Our team follows strict protocols to ensure only authorized personnel can access user data, and only when necessary for service provision or technical support.

• Limited access controls based on job responsibilities
• Regular training on privacy best practices for all staff
• Comprehensive logging of all data access activities
• Secure development practices and code review processes

Your Rights and Control

You maintain significant control over your personal information. We provide tools and processes to help you exercise these rights effectively.

Access and Correction

You can review and update your personal information through your account dashboard. For more complex requests, contact our support team.

• View all personal data we have about you
• Correct inaccurate information in your profile
• Update your budgeting preferences and categories
• Modify communication and notification settings

Data Portability and Deletion

• Export your budgeting data in a standard format
• Request complete deletion of your account and associated data
• Receive confirmation when deletion is complete
• Understand any legal retention requirements that may apply

Data Retention and International Transfers

We keep your information only as long as necessary to provide our services and meet legal obligations. When transfers are required, we ensure appropriate protections are in place.

Retention Periods

• Active account data: Retained while your account remains active
• Inactive accounts: Data deleted after 3 years of inactivity
• Support communications: Kept for 2 years for service improvement
• Security logs: Maintained for 1 year for incident investigation
• Legal compliance data: Held according to South Korean requirements

International Data Processing

While we primarily operate within South Korea, some service providers may process data internationally. We ensure all transfers meet strict privacy protection standards.

Cookies and Tracking Technologies

We use cookies and similar technologies to enhance your experience and maintain security. You have control over most of these technologies through your browser settings.

Essential Cookies

These cookies are necessary for our budgeting platform to function properly and cannot be disabled.

• Authentication cookies to keep you logged in securely
• Session cookies to maintain your budgeting work
• Security cookies to prevent fraudulent activities
• Preference cookies to remember your settings

Analytics and Performance

We use anonymized analytics to understand how our budgeting tools are used and identify areas for improvement. These can typically be disabled through browser settings.

Changes to This Policy

Privacy practices evolve as technology and regulations change. We'll notify you of significant updates to this policy and provide opportunities to review changes before they take effect.

• Email notifications for material changes affecting your rights
• In-app notifications when you next log in
• Archive of previous policy versions for your reference
• Clear explanation of what changes mean for your data

Continued use of our services after policy changes indicates acceptance of the updated terms.