Privacy Policy

1. Introduction

Cloverfin ("we," "our," or "us") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our personal finance application and related services (collectively, the "Service").

2. Information We Collect

Personal Information

We may collect the following personal information:

• Name and email address
• Account credentials and authentication information
• Profile information and preferences
• Communication history with our support team

Financial Information

With your consent, we may collect:

• Transaction data from receipts or manual entries
• Spending categories and patterns
• Financial goals and preferences
• Account balances and financial targets

Usage Information

We automatically collect:

• Device information and identifiers
• App usage patterns and interactions
• Log files and crash reports
• Analytics and performance data

3. How We Use Your Information

We use your information to:

• Provide and improve our AI-powered financial insights
• Analyze spending patterns and generate personalized recommendations
• Help you track progress toward your financial goals
• Send important updates and notifications about your account
• Provide customer support and respond to your inquiries
• Improve our Service and develop new features
• Ensure security and prevent fraud

4. Data Security and Encryption

We implement industry-standard security measures to protect your information:

• End-to-end encryption for all financial data
• Secure data transmission using TLS/SSL protocols
• Regular security audits and vulnerability assessments
• Limited access controls and employee training
• Secure cloud infrastructure with reputable providers

5. Information Sharing and Disclosure

We do not sell, trade, or rent your personal information to third parties. We may share information only in these circumstances:

• With your explicit consent
• To comply with legal obligations or court orders
• To protect our rights, property, or safety, or that of others
• With trusted service providers who assist in operating our Service (under strict confidentiality agreements)
• In connection with a business transfer or acquisition

6. Your Rights and Choices

You have the following rights regarding your personal information:

• Access: Request a copy of the personal information we hold about you
• Correction: Request correction of inaccurate or incomplete information
• Deletion: Request deletion of your personal information
• Portability: Request transfer of your data to another service
• Opt-out: Unsubscribe from marketing communications
• Restriction: Request limitation of how we process your information

7. Data Retention

We retain your information only as long as necessary to provide our Service and fulfill the purposes outlined in this policy. When you delete your account, we will delete your personal information within 30 days, except where we are required to retain it for legal compliance.

8. Cookies and Analytics

We use cookies and similar technologies to enhance your experience, analyze usage patterns, and improve our Service. You can control cookie settings through your browser preferences. We may use third-party analytics services that collect information about your use of our Service.

9. International Data Transfers

Your information may be transferred to and processed in countries other than your own. We ensure that such transfers comply with applicable data protection laws and implement appropriate safeguards to protect your information.

10. Children's Privacy

Our Service is not intended for children under 13 years of age. We do not knowingly collect personal information from children under 13. If we discover that we have collected information from a child under 13, we will delete it immediately.

11. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. We will notify you of any material changes by posting the new Privacy Policy on this page and updating the "Last updated" date. We encourage you to review this Privacy Policy periodically for any changes.

12. Contact Us

If you have any questions about this Privacy Policy or our privacy practices, please contact us at: