Privacy Policy

1. Introduction

BrokeNoMore ("we," "our," or "us") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our mobile application ("App").

Please read this Privacy Policy carefully. By using the App, you consent to the data practices described in this policy. If you do not agree with the practices described, please do not use the App.

2. Information We Collect

We collect information that you provide directly to us and information that is automatically collected when you use the App:

Personal Information:

• Name, email address, and profile information
• Age, gender, occupation, education level, and location (optional)
• Monthly income and financial goals
• Account credentials and authentication data

Financial Information:

• Transaction data (expenses, income, amounts, categories, dates)
• Budget information and spending limits
• Bill reminders and due dates
• Loan information, EMI schedules, and repayment tracking
• Split expense data and group member information
• Financial goals, progress, and targets
• Stock analysis queries and mutual fund research data

Device and Usage Information:

• Device type, operating system, model, and unique device identifiers
• Device fingerprint for security and fraud prevention
• App usage patterns, feature interactions, and navigation paths
• IP address and network information
• Crash reports, error logs, and performance data
• App version and installation information

Biometric Data:

• Biometric authentication data (fingerprint, face recognition)
• Stored securely on your device using secure storage, NOT transmitted to our servers
• Used only for local device authentication to unlock the App

AI Interaction Data:

• Chatbot conversation history
• Stock analysis queries and results
• Financial tip preferences
• Feature usage statistics for AI-powered features

3. How We Use Your Information

We use the collected information for the following purposes:

Service Provision:

• To provide, maintain, and improve the App's features and functionality
• To process transactions and manage your financial data
• To generate insights, reports, and financial summaries
• To deliver personalized AI-powered financial tips and recommendations

Account Management:

• To create and manage your account
• To authenticate your identity and secure your account
• To communicate with you about your account and our services
• To provide customer support and respond to inquiries

Service Improvement:

• To analyze usage patterns and improve App performance
• To develop new features and services
• To conduct research and analytics
• To detect and prevent fraud, abuse, or security issues

Legal Compliance:

• To comply with applicable laws and regulations
• To respond to legal requests and protect our rights
• To enforce our Terms and Conditions

4. Data Storage and Security

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

Security Measures:

• Encryption of data in transit using SSL/TLS protocols
• Secure storage of data using encrypted databases
• Authentication and authorization controls
• Regular security audits and updates
• Secure password hashing and storage

Data Location:

• Your data is stored on secure cloud servers
• We use reputable cloud service providers with strong security practices
• Data may be stored in servers located in different geographic regions

Your Responsibility:

• Keep your account credentials confidential
• Use strong, unique passwords
• Enable biometric or app lock features for additional security
• Log out when using shared devices
• Notify us immediately of any security breaches

5. Data Sharing and Disclosure

WE DO NOT SELL YOUR PERSONAL OR FINANCIAL INFORMATION TO ANY THIRD PARTIES.

We may share your information only in the following limited circumstances:

Service Providers:

With third-party service providers who assist in operating the App:

• Cloud storage providers (Supabase) for secure data hosting
• Analytics services for app improvement (anonymized data only)
• AI service providers for chatbot and financial analysis features
• These providers are contractually obligated to protect your information
• They are prohibited from using your data for any purpose other than providing services to us

Legal Requirements:

• When required by law, court order, or government regulation
• To protect our rights, property, or safety, or that of our users
• To investigate fraud, security issues, or violations of our Terms

Business Transfers:

• In connection with a merger, acquisition, or sale of assets
• Your information may be transferred as part of such transactions
• We will notify you of such changes and ensure your information remains protected

6. Your Rights

You have the right to:

• Access and receive a copy of your personal data
• Rectify inaccurate or incomplete data
• Request deletion of your personal data
• Object to processing of your personal data
• Request restriction of processing
• Data portability
• Withdraw consent at any time

To exercise these rights, please contact us through the App's support feature or email support@brokenomore.com.

7. Children's Privacy

The App is not intended for users under the age of 18. We do not knowingly collect personal information from children.

If you are a parent or guardian and believe your child has provided us with personal information, please contact us immediately. We will delete such information upon verification.

8. Data Retention

We retain your information for as long as necessary to:

• Provide services to you
• Comply with legal obligations
• Resolve disputes and enforce agreements
• Maintain security and prevent fraud
• Support our business operations

Retention Periods:

• Active accounts: Data retained while account is active and for a reasonable period thereafter
• Deleted accounts: Most data deleted within 30 days of account deletion request
• Financial transactions: May be retained for up to 7 years for tax and legal compliance
• Legal requirements: Some data may be retained longer for legal compliance or ongoing disputes
• Backup systems: Data may remain in secure backups for up to 90 days before permanent deletion
• Credit transactions: Retained for accounting and fraud prevention purposes

Credit Balance:

• If you have purchased credits, your credit balance and transaction history will be retained even if you delete your account, unless you specifically request deletion
• Deleted credits cannot be refunded or restored

You can request deletion of your data at any time through account settings or by contacting support.

9. International Data Transfers

Your information may be transferred to and processed in countries other than your country of residence. These countries may have different data protection laws.

We ensure that appropriate safeguards are in place to protect your information during international transfers, including:

• Standard contractual clauses
• Adequacy decisions
• Other legal mechanisms as required by law

10. Cookies and Tracking Technologies

The App may use cookies and similar tracking technologies to:

• Remember your preferences and settings
• Analyze App usage and performance
• Provide personalized content and recommendations

You can control cookie preferences through your device settings, though this may affect App functionality.

11. Changes to Privacy Policy

We may update this Privacy Policy from time to time. We will notify you of significant changes through:

• In-app notifications
• Email notifications (if provided)
• Updated version of the App
• Prominent notice on our website (if applicable)

Your continued use of the App after changes constitutes acceptance of the updated Privacy Policy. We encourage you to review this policy periodically.

12. California Privacy Rights

If you are a California resident, you have additional rights under the California Consumer Privacy Act (CCPA):

• Right to Know: Request disclosure of what personal information we collect, use, and share
• Right to Delete: Request deletion of your personal information (subject to legal exceptions)
• Right to Opt-Out: Opt-out of the sale of personal information (WE DO NOT SELL YOUR INFORMATION)
• Right to Non-Discrimination: We will not discriminate against you for exercising your privacy rights

How to Exercise Your Rights:

• Contact us through the App's support feature
• Email us at: support@brokenomore.com
• Include "California Privacy Rights Request" in the subject line
• Provide sufficient information to verify your identity

We will respond to your request within 45 days as required by law.

13. GDPR Rights (EU Users)

If you are located in the European Union, you have additional rights under the General Data Protection Regulation (GDPR):

• Right of access to your personal data
• Right to rectification of inaccurate data
• Right to erasure ("right to be forgotten")
• Right to restrict processing
• Right to data portability
• Right to object to processing
• Right to withdraw consent

To exercise these rights, contact us through the App's support feature.

14. Contact Us

If you have questions, concerns, or requests regarding this Privacy Policy or our data practices, please contact us:

• Support Email: support@brokenomore.com
• In-App Support: Use the Contact Support feature in the App
• Response Time: We aim to respond within 48 hours during business days

Data Protection Requests:

• For data access, deletion, or correction requests, please specify your request clearly
• Include your registered email address for verification
• We may require additional verification to protect your account security

We are committed to addressing your privacy concerns and protecting your personal information. Your privacy matters to us.

Acknowledgment

By using BrokeNoMore, you acknowledge that you have read and understood this Privacy Policy and consent to the collection, use, and disclosure of your information as described herein.