Privacy Policy for Currenzwize
Last Updated: August 18, 2025
This Privacy Policy describes how Currenzwize ("we," "us," or "our") collects, uses, and discloses your information when you use our web application (the "Service"). We are committed to protecting your privacy and handling your data with transparency and care.
1. Information We Collect
We collect various types of information to provide and improve our Service to you:
1.1. Information You Provide to Us Directly:
- **Account Information:** When you register for Currenzwize, we collect your name and email address. This is used to create and manage your user account.
- **Transaction Data:** We collect the financial transaction details you input into the app, such as creditor/expense names, transaction types (expense, credit), categories, amounts due, amounts paid, due dates, and any related notes or websites. **Please note: We do NOT collect or store your sensitive financial information such as bank account numbers, credit card numbers, or full payment credentials.**
- **Calendar Sync Data:** If you choose to integrate with Google Calendar, we collect information necessary to add and manage your recurring transaction events in your Google Calendar, such as event titles, descriptions, dates, and times. We do not access other personal calendar events or information beyond what is necessary to provide this specific functionality.
1.2. Automatically Collected Information:
When you access and use the Service, we may automatically collect certain information:
- **Usage Data:** This includes information about how you interact with the app, such as pages visited, features used, time spent on the app, and login times.
- **Device Information:** We may collect information about the device you use to access the Service, including the device type, operating system, unique device identifiers, and mobile network information.
- **Log Data:** Our servers automatically record information that your browser sends whenever you visit our Service. This Log Data may include your IP address, browser type and settings, the date and time of your request, and cookie data.
2. How We Use Your Information
We use the information we collect for various purposes, including:
- To provide, operate, and maintain our Service.
- To manage your account and provide you with customer support.
- To process your transactions and maintain your financial records within the app.
- To send you transactional notifications, alerts, and reminders (e.g., payment due alerts) as configured by you.
- To integrate with third-party services you explicitly authorize (e.g., syncing transaction events to Google Calendar).
- To improve and personalize your experience with the Service.
- To monitor and analyze usage and trends to improve the functionality and design of our Service.
- To detect, prevent, and address technical issues or fraudulent activities.
- To comply with legal obligations and enforce our terms and conditions.
3. How We Share Your Information
We do not sell your personal information to third parties. We may share your information in the following limited circumstances:
- **With Your Consent:** We may share your information if you give us explicit permission to do so, such as when you authorize syncing with Google Calendar.
- **Service Providers:** We may share information with third-party vendors, consultants, and other service providers who perform services on our behalf (e.g., hosting, analytics, email delivery). These service providers are obligated to protect your information and use it only for the purposes for which it was disclosed.
- **Legal Requirements:** We may disclose your information if required to do so by law or in response to valid requests by public authorities (e.g., a court order or government agency request).
- **Business Transfers:** In connection with a merger, acquisition, or sale of assets, your information may be transferred as part of that transaction. We will notify you via email or a prominent notice on our Service of any such change in ownership or control of your personal information.
- **Aggregated or Anonymized Data:** We may share aggregated or anonymized information that cannot reasonably be used to identify you.
4. Data Security
We implement a variety of security measures to maintain the safety of your personal information when you enter, submit, or access your information. These measures include data encryption, secure server environments, and access controls. However, no method of transmission over the Internet or method of electronic storage is 100% secure. While we strive to use commercially acceptable means to protect your Personal Information, we cannot guarantee its absolute security.
5. Data Retention
We retain your personal information for as long as your account is active or as needed to provide you with the Service. We will also retain and use your information as necessary to comply with our legal obligations, resolve disputes, and enforce our agreements.
6. Your Rights
Depending on your jurisdiction, you may have the following rights regarding your personal information:
- **Right to Access:** Request a copy of the personal information we hold about you.
- **Right to Rectification:** Request corrections to any inaccurate or incomplete personal information.
- **Right to Erasure ("Right to Be Forgotten"):** Request the deletion of your personal information, subject to certain exceptions.
- **Right to Object:** Object to our processing of your personal information under certain circumstances.
- **Right to Restriction of Processing:** Request that we restrict the processing of your personal information under certain circumstances.
- **Right to Data Portability:** Request that we transfer your personal information to another organization or directly to you, under certain conditions.
- **Right to Withdraw Consent:** If we are processing your personal information based on your consent (e.g., for Google Calendar integration), you have the right to withdraw that consent at any time. This will not affect the lawfulness of processing before your consent was withdrawn.
To exercise any of these rights, please contact us using the "Contact Us" section below.
7. Third-Party Links
Our Service may contain links to third-party websites that are not operated by us. If you click on a third-party link, you will be directed to that third party's site. We strongly advise you to review the Privacy Policy of every site you visit. We have no control over and assume no responsibility for the content, privacy policies, or practices of any third-party sites or services.
8. Children's Privacy
Our Service is not intended for use by children under the age of 13 ("Children"). We do not knowingly collect personally identifiable information from Children under 13. If you become aware that a Child has provided us with Personal Information, please contact us. If we become aware that we have collected Personal Information 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 Privacy Policy. You are advised to review this Privacy Policy periodically for any changes. Changes to this Privacy Policy are effective when they are posted on this page.
10. Contact Us
If you have any questions about this Privacy Policy, please contact us: