Privacy Policy

Introduction

Welcome to SmartPigy ("we," "our," or "us"). This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our savings platform and related services.

Information We Collect

Personal Information

• Name, email address, and contact information
• Account authentication information
• Payment information and transaction history
• Savings goals and financial preferences

Financial Data

When you connect your bank accounts through our Premium features using Stripe Financial Connections, we collect:

• Bank account information and balances
• Transaction history and spending patterns
• Account ownership verification data
• Payment method information

How We Use Your Information

• Provide and maintain our savings platform services
• Process payments and manage your subscription
• Generate spending insights and analytics (Premium feature)
• Send important account notifications and updates
• Improve our services and develop new features
• Comply with legal obligations and prevent fraud

Data Sharing and Third Parties

Service Providers

We work with trusted third-party service providers to deliver our services:

• Stripe: Payment processing and Financial Connections for bank account linking
• Clerk: User authentication and account management
• Coinbase: Digital currency services and self-custody wallet management

Financial Connections

Our Premium spending insights feature uses Stripe Financial Connections to securely connect to your bank accounts. This service:

• Uses bank-level encryption and security standards
• Only accesses data you explicitly authorize
• Allows you to revoke access at any time
• Is subject to Stripe's privacy policy and security measures

Data Security

We implement industry-standard security measures to protect your information:

• End-to-end encryption for sensitive data
• Secure data storage with access controls
• Regular security audits and monitoring
• Self-custody wallet architecture - we never hold your funds

Your Rights and Choices

You have the right to:

• Access and update your personal information
• Delete your account and associated data
• Opt out of marketing communications
• Revoke bank account connections at any time
• Request a copy of your data

Data Retention

We retain your information only as long as necessary to provide our services and comply with legal obligations. Financial transaction data may be retained for up to 7 years as required by financial regulations.

International Data Transfers

Your data is primarily stored and processed in the United States. We ensure appropriate safeguards are in place for any international data transfers in compliance with applicable privacy laws.

Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of any material changes by email or through our platform. Your continued use of our services after such changes constitutes acceptance of the updated policy.

Contact Us

If you have any questions about this Privacy Policy or our data practices, please contact us: