Privacy Policy

1. What We Collect

• Account data: Email address and hashed password.
• Financial data: Transaction records, account balances, and savings goals you enter.
• Uploaded files: Receipt images and bank statement files uploaded for Pro features. These are stored in encrypted cloud storage.
• Usage data: Pages visited, features used (anonymised).

2. How We Use Your Data

• To provide and operate the TallySG service.
• To send transactional emails (password reset, subscription receipts).
• To improve the product using anonymised, aggregated analytics.
• We do not sell your data to third parties.
• We do not use your financial data for advertising.

3. Third-Party Services

• Stripe: Processes all payments. Your card details are never stored on our servers. Stripe Privacy Policy.
• OpenAI: Used for AI-powered bank statement categorisation on Pro plan. Statement text is sent to OpenAI's API and subject to their data policies.
• Cloud Storage: Uploaded images are stored in secure S3-compatible storage.

4. Data Retention

Your data is retained for as long as your account is active. You may request deletion of your account and all associated data by contacting support@yourfinanceapp.com. We will process deletion requests within 30 days.

5. Security

Passwords are hashed using scrypt — we cannot read them. Data is transmitted over HTTPS. We follow industry-standard security practices, but no system is perfectly secure.

6. Children

This service is intended for users aged 13 and above. We do not knowingly collect data from children under 13. If you believe a child has provided us with personal data, contact us immediately.

7. Your Rights

Under Singapore's Personal Data Protection Act (PDPA), you have the right to access, correct, and withdraw consent for the use of your personal data. Contact us at support@yourfinanceapp.com to exercise these rights.

8. Contact

Questions about this policy? Email us at support@yourfinanceapp.com.