Personal Finance OS

Privacy

Last updated: replace this with the date you publish.

Before you launch: this is a starting draft written to describe how the software actually behaves. Replace the bracketed details with your own, and have it checked against the law where you and your customers live (GDPR, UK GDPR, CCPA and similar all have specific requirements). It is not legal advice.

Who runs this service

This service is operated by [your name or company], contactable at [your support email]. References to “we” mean that operator.

What we store

Only what you enter or what is needed to run your account:

We do not connect to your bank, we do not ask for bank credentials, and we do not use third-party analytics or advertising trackers in this application.

What we do with it

Your records are used to display your own dashboards, budgets and reports. We do not sell personal data, and we do not share it with anyone except the processors listed below, where required by law, or where necessary to protect the service.

Processors we rely on

How long we keep it

Your data is kept while your account exists. Deleting your account from Settings removes your records from the live database immediately; residual copies may persist in encrypted backups for up to [your backup retention period] before being overwritten.

Your choices

Security

Passwords are hashed with bcrypt and never stored in readable form. Sessions use signed tokens. The application sends a strict content security policy and loads no third-party scripts. No system is perfectly secure, so please use a strong, unique password.

Children

This service is not intended for anyone under 16, and we do not knowingly collect their data.

Changes

If this policy changes materially we will update the date above and, where the change is significant, notify account holders by email.

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