Contents
1. Introduction
Welcome to KakeiboFlow. We are committed to protecting your privacy and ensuring the security of your personal and financial information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our mindful budgeting application.
Our Commitment: Your financial data is sensitive. We treat it with the utmost care and never sell your personal information to third parties.
By using KakeiboFlow, you agree to the collection and use of information in accordance with this policy. If you do not agree with our policies and practices, please do not use our service.
2. Information We Collect
2.1 Information You Provide
When you create an account and use KakeiboFlow, you may provide us with:
- Account Information: Email address, name, and password
- Financial Data: Income entries, expense transactions, budget allocations, and savings goals
- Journal Entries: Daily reflections and notes about your spending
- Preferences: Currency settings, notification preferences, and display options
2.2 Information Collected Automatically
When you access our service, we automatically collect:
- Device Information: Browser type, operating system, and device identifiers
- Usage Data: Features used, pages visited, and interaction patterns
- Log Data: IP address, access times, and referring URLs
2.3 Information from Third Parties
If you choose to import transactions, we may receive data from:
- Bank statement uploads (CSV/file imports only—we do not connect directly to your bank)
- Authentication providers if you sign in with Google or other OAuth services
3. How We Use Your Information
We use your information to:
| Purpose | Data Used |
|---|---|
| Provide core budgeting features | Financial data, account info |
| Generate AI-powered forecasts | Transaction history, spending patterns |
| Display analytics and insights | Aggregated financial data |
| Send notifications and reminders | Email, preferences |
| Improve our service | Usage data, feedback |
| Provide customer support | Account info, communications |
| Ensure security and prevent fraud | Log data, device info |
AI Processing: Our AI features analyze your transaction patterns locally to provide forecasts. Your individual financial data is not used to train machine learning models shared with other users.
4. Data Storage & Security
4.1 Where We Store Your Data
Your data is stored on secure cloud servers located in the United States. We use industry-standard cloud infrastructure providers with SOC 2 Type II compliance.
4.2 How We Protect Your Data
We implement multiple layers of security:
- Encryption in Transit: All data transmitted between your device and our servers uses TLS 1.3 encryption
- Encryption at Rest: Financial data is encrypted using AES-256 encryption
- Access Controls: Strict employee access policies with audit logging
- Regular Audits: Periodic security assessments and penetration testing
- Secure Authentication: Password hashing and optional two-factor authentication
4.3 Data Retention
We retain your data for as long as your account is active. Upon account deletion:
- Personal data is deleted within 30 days
- Backups containing your data are purged within 90 days
- Anonymized, aggregated analytics may be retained indefinitely
7. Your Rights
Depending on your location, you may have the following rights regarding your personal data:
- Access: Request a copy of the personal data we hold about you
- Correction: Request correction of inaccurate or incomplete data
- Deletion: Request deletion of your personal data
- Export: Receive your data in a portable, machine-readable format
- Restriction: Request limitation of how we process your data
- Objection: Object to certain types of processing
- Withdraw Consent: Withdraw previously given consent at any time
Exercise Your Rights: To make a request, email us at [email protected] or use the data export/deletion features in your account settings. We will respond within 30 days.
7.1 California Residents (CCPA)
California residents have additional rights under the California Consumer Privacy Act, including the right to know what personal information is collected and the right to opt-out of the sale of personal information. As stated above, we do not sell personal information.
7.2 European Residents (GDPR)
If you are in the European Economic Area, you have rights under the General Data Protection Regulation. Our legal basis for processing your data includes: contract performance, legitimate interests, and consent where applicable.
8. Children's Privacy
KakeiboFlow is not intended for children under 16 years of age. We do not knowingly collect personal information from children under 16. If you are a parent or guardian and believe your child has provided us with personal information, please contact us immediately, and we will delete such information.
9. 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 this page with a new effective date
- Sending an email notification for significant changes
- Displaying an in-app notification
We encourage you to review this policy periodically. Your continued use of KakeiboFlow after changes are posted constitutes acceptance of those changes.
10. Contact Us
If you have questions about this Privacy Policy or our data practices, please contact us:
Privacy Inquiries
Email: [email protected]
For general support: [email protected]
We aim to respond to all inquiries within 48 hours.