Privacy Policy

We are committed to protecting your personal information and your right to privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use the Charli Finance Tracker application (the "App").

1. Introduction

Welcome to Charli ("we," "our," or "us"). We are committed to protecting your personal information and your right to privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use the Charli Finance Tracker application (the "App").

Please read this policy carefully. If you disagree with its terms, please discontinue use of the App.

2. Information We Collect

Information You Provide Directly

• Account Information: Name, email address, and password when you create an account.
• Financial Data: Transaction records, account balances, budgets, spending categories, and other financial information you manually enter or import into the App.
• Profile Information: Preferences, settings, and any other details you choose to provide.

Information Collected Automatically

• Usage Data: Features you use, pages you visit within the App, actions you take, and the time, frequency, and duration of your activities.
• Device Information: Device type, operating system, unique device identifiers, IP address, and mobile network information.
• Log Data: Error reports, performance data, and diagnostic information generated when you use the App.

What We Don't Collect From Others

Charli does not connect to your bank, credit card, or other financial accounts, and we do not use account-aggregation or data-import services. We never receive transaction data or account balances from financial institutions on your behalf. Every financial figure in the App is one you enter yourself.

3. How We Use Your Information

We use the information we collect to:

• Provide and operate the App, including displaying your financial data, generating insights, and powering budgeting and tracking features.
• Personalize your experience, such as remembering your preferences and customizing recommendations.
• Improve the App, including analyzing usage patterns, diagnosing technical issues, and developing new features.
• Communicate with you, including sending account-related notifications, product updates, and, where permitted, marketing communications.
• Ensure security, including detecting, preventing, and investigating fraud, unauthorized access, and other potentially illegal activity.
• Comply with legal obligations, including responding to lawful requests from public authorities.

4. How We Share Your Information

We do not sell your personal information. We may share your information in the following limited circumstances:

• Service Providers: We may share information with trusted third-party vendors who assist us in operating the App (e.g., cloud hosting, analytics, customer support). These parties are contractually obligated to use your data only to perform services on our behalf.
• Legal Requirements: We may disclose your information if required by law, court order, or governmental authority, or if we believe disclosure is necessary to protect the rights, safety, or property of Charli, our users, or the public.
• Business Transfers: In the event of a merger, acquisition, or sale of assets, your information may be transferred as part of that transaction. We will notify you before your information becomes subject to a materially different privacy policy.

5. Data Retention

We retain your personal information for as long as your account is active or as needed to provide you the App's services. You may request deletion of your account and associated data at any time (see Section 8 below). We may retain certain information as required by law or for legitimate business purposes such as fraud prevention and dispute resolution.

6. Data Security

We implement industry-standard technical and organizational measures to protect your information against unauthorized access, alteration, disclosure, or destruction. These include encryption of data in transit and at rest, access controls, and regular security assessments.

However, no method of electronic transmission or storage is 100% secure. While we strive to protect your information, we cannot guarantee absolute security.

7. Your Privacy Choices

Depending on your location, you may have the following rights regarding your personal information:

• Access: Request a copy of the personal information we hold about you.
• Correction: Request that we correct inaccurate or incomplete information.
• Deletion: Request that we delete your personal information, subject to certain legal exceptions.
• Portability: Request a machine-readable copy of your data.
• Opt-Out of Marketing: Unsubscribe from marketing emails at any time using the unsubscribe link in any communication, or by adjusting your in-app notification settings.

To exercise any of these rights, contact us at the address provided in Section 10.

8. Deleting Your Account

You may delete your Charli account at any time through the App's settings. Upon account deletion, we will remove your personal and financial data from our active systems within 30 days, except where retention is required by law or for legitimate business purposes.

9. Children's Privacy

Charli is not directed to children under the age of 13, and we do not knowingly collect personal information from children under 13. If we learn that we have inadvertently collected information from a child under 13, we will promptly delete it. If you believe a child has provided us with personal information, please contact us immediately.

10. Contact Us

11. Changes to This Policy

We may update this Privacy Policy from time to time. When we do, we will revise the "Last Updated" date at the top of this page. If changes are material, we will provide notice through the App or by email. Continued use of Charli after any changes constitutes your acceptance of the updated policy.

Thank you for trusting Charli with your financial information. We take that responsibility seriously.