Privacy Policy

1. Information We Collect

1.1 Personal Information

When you register for Spentiva, we collect:

• Account Information: Name, phone number, email address
• Profile Information: Account type (personal/business), preferences
• Authentication Data: OTP verification records, login timestamps

1.2 Financial Data

To provide our expense tracking services, we collect:

• Transaction Details: Expense amounts, descriptions, dates, categories
• Tracker Information: Tracker names, types, and configurations
• Usage Data: API usage, token consumption, feature utilization

1.3 Technical Information

• Device Data: IP address, browser type, operating system
• Log Data: Access times, pages viewed, actions performed
• Cookies: Session management, preferences, analytics

2. How We Use Your Information

We use your information to:

• Provide Services: Process expenses, generate reports, provide AI insights
• Account Management: Create and maintain your account, authenticate users
• Communication: Send transaction confirmations, product updates, support responses
• Improvement: Analyze usage patterns, improve AI accuracy, develop new features
• Security: Detect fraud, prevent abuse, ensure platform security
• Compliance: Meet legal obligations, respond to legal requests

3. Information Sharing

We do not sell your personal information. We may share your data with:

3.1 Service Providers

• Cloud Infrastructure: AWS, Google Cloud for hosting and storage
• AI Services: OpenAI for natural language processing
• Communication: Twilio, WhatsApp Business API for messaging
• Analytics: Google Analytics for usage insights

3.2 Legal Requirements

We may disclose information when required by law or to:

• Comply with legal processes or government requests
• Protect our rights, property, or safety
• Prevent fraud or security issues
• Enforce our Terms and Conditions

3.3 Business Transfers

In the event of a merger, acquisition, or sale of assets, your information may be transferred to the acquiring entity.

4. Data Security

We implement industry-standard security measures:

• Encryption: AES-256 encryption for data at rest, TLS 1.3 for data in transit
• Access Controls: Role-based permissions, multi-factor authentication
• Regular Audits: Security assessments, penetration testing
• Monitoring: 24/7 security monitoring, intrusion detection
• Backups: Regular encrypted backups with disaster recovery plans

5. Your Rights

You have the right to:

• Access: Request a copy of your personal data
• Correction: Update or correct inaccurate information
• Deletion: Request deletion of your account and data
• Export: Download your data in portable formats
• Opt-Out: Unsubscribe from marketing communications
• Withdraw Consent: Revoke permissions previously granted

To exercise these rights, contact us at privacy@spentiva.com

6. Cookies and Tracking

We use cookies for:

• Essential Cookies: Authentication, security, core functionality
• Analytics Cookies: Usage statistics, performance monitoring
• Preference Cookies: Remember your settings and choices

You can control cookies through your browser settings, but disabling essential cookies may affect functionality.

7. Data Retention

• Active Accounts: Data retained while account is active
• Inactive Accounts: Data retained for 90 days after last activity
• Deleted Accounts: Data permanently deleted within 30 days
• Legal Hold: Data may be retained longer if required by law

8. Children's Privacy

Spentiva is not intended for users under 18 years of age. We do not knowingly collect information from children. If you believe a child has provided us with personal information, please contact us immediately.

9. International Data Transfers

Your information may be transferred to and processed in countries other than your own. We ensure appropriate safeguards are in place to protect your data in compliance with applicable laws.

10. Changes to This Policy

We may update this Privacy Policy periodically. We will notify you of significant changes via:

• Email notification to registered users
• In-app notification upon login
• Prominent notice on our website

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

11. Contact Us

For privacy-related questions or concerns, contact us at: