1. Information We Collect
Spark Wallet collects information to provide and improve our financial management services. We collect:
- Account Information: Email address, name, and profile details you provide during registration.
- Financial Data: Transactions, budgets, subscriptions, and categories you create within the app. This data is stored securely and is only accessible to you.
- Device Information: Device type, operating system, and app version for troubleshooting and optimization.
- Usage Data: How you interact with the app to improve user experience and features.
We do not sell your personal information to third parties.
2. How We Use Your Data
Your data is used to:
- Provide Core Services: Display your financial information, track spending, manage budgets, and send bill reminders.
- Sync Across Devices: Securely synchronize your data across your devices when you sign in.
- Send Notifications: Bill reminders, budget alerts, and important account updates (based on your preferences).
- Improve the App: Analyze usage patterns to enhance features and fix issues.
- Customer Support: Assist you with questions or problems.
We process your data based on your consent and our legitimate interest in providing our services.
3. Data Storage & Security
We take data security seriously:
- Cloud Storage: Your data is stored securely using Firebase/Google Cloud with industry-standard encryption.
- Local Storage: Some data is cached locally on your device for offline access, protected by your device's security.
- Encryption: All data transmitted between your device and our servers is encrypted using TLS/SSL.
- Access Controls: Only you can access your financial data through your authenticated account.
- No Plain Text Passwords: We never store your password in plain text.
We regularly review and update our security practices to protect your information.
4. Data Sharing
We do not sell your data. We may share information only in these circumstances:
- Service Providers: Trusted third parties who help operate our services (e.g., cloud hosting, analytics) under strict confidentiality agreements.
- Legal Requirements: When required by law, court order, or government request.
- Safety: To protect the rights, property, or safety of Spark Wallet, our users, or others.
- With Your Consent: When you explicitly authorize sharing.
Any third parties we work with are required to protect your data according to this policy.
5. Your Rights
You have control over your data:
- Access: View all data we store about you within the app.
- Export: Download your financial data at any time.
- Correction: Update or correct your information in Settings.
- Deletion: Delete your account and all associated data permanently.
- Opt-Out: Disable notifications and analytics in Settings.
- Data Portability: Request your data in a portable format.
To exercise these rights, visit Settings in the app or contact us.
6. Cookies & Analytics
We use minimal tracking:
- Analytics: Anonymous usage statistics to improve the app (can be disabled in Settings).
- Crash Reports: Automatic error reports to fix bugs (no personal financial data included).
- No Advertising: We do not use advertising cookies or trackers.
You can opt out of analytics in the app's Privacy settings.
7. Children's Privacy
Spark Wallet is not intended for users under 13 years of age. We do not knowingly collect personal information from children under 13. If you believe we have collected information from a child under 13, please contact us immediately and we will delete it.
8. Changes to This Policy
We may update this Privacy Policy periodically. We will notify you of significant changes through:
- In-app notifications
- Email (for registered users)
- Updated "Last modified" date
Continued use of Spark Wallet after changes constitutes acceptance of the updated policy.
9. Contact Us
If you have questions about this Privacy Policy or your data: