Privacy Policy

Last Updated: March 15, 2025

At SmartMoney AI, we take your privacy seriously. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our financial management service. Please read this privacy policy carefully. If you do not agree with the terms of this privacy policy, please do not access the site.

1. Information We Collect

We collect information that you provide directly to us when you:

• Register for an account
• Fill in forms on our website
• Enter financial data such as expenses, income, budgets
• Communicate with us via email, chat, or other means
• Respond to surveys or questionnaires

This information may include:

• Personal identifiers (name, email address, username)
• Account credentials
• Financial information (expenses, income, budgets, financial goals)
• Device and usage information when you use our service

2. How We Use Your Information

We may use the information we collect for various purposes, including to:

• Provide, maintain, and improve our services
• Create and manage your account
• Process your financial data to deliver insights and reports
• Communicate with you about our service
• Respond to your comments, questions and requests
• Monitor and analyze trends, usage, and activities in connection with our service
• Detect, investigate and prevent fraudulent transactions and other illegal activities
• Personalize your experience on our service

3. Data Security

We implement appropriate technical and organizational measures to protect the security of your personal information. However, please be aware that no method of transmission over the internet or electronic storage is 100% secure, and we cannot guarantee absolute security.

4. Data Retention

We will retain your personal information only for as long as is necessary for the purposes set out in this privacy policy, or as required to comply with our legal obligations, resolve disputes, and enforce our legal agreements and policies.

5. Your Data Protection Rights

Depending on your location, you may have the following rights:

• The right to access your personal data
• The right to correct inaccurate or incomplete information
• The right to erasure (the "right to be forgotten")
• The right to restrict processing of your personal data
• The right to data portability
• The right to object to processing of your personal data
• The right to withdraw consent at any time

6. Cookies and Tracking Technologies

We use cookies and similar tracking technologies to track activity on our service and hold certain information. Cookies are files with a small amount of data which may include an anonymous unique identifier. You can instruct your browser to refuse all cookies or to indicate when a cookie is being sent.

7. Third-Party Services

Our service may contain links to third-party websites or services that are not owned or controlled by SmartMoney AI. We have no control over, and assume no responsibility for, the content, privacy policies, or practices of any third-party websites or services.

8. Children's Privacy

Our service is not directed to anyone under the age of 18. We do not knowingly collect personally identifiable information from anyone under 18 years of age. If we become aware that we have collected personal data from children without verification of parental consent, we take steps to remove that information from our servers.

9. Changes to This Privacy Policy

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

10. Contact Us

If you have any questions about this Privacy Policy, please contact us at privacy@smartmoneyai.com.