Fine - AI-Powered Personal Finance Management

1. Introduction

Fine Budget LLC ("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 financial management platform and services.

2. Information We Collect

Personal Information

We may collect personal information such as your name, email address, phone number, and other contact details when you register for our services.

Financial Information

When you connect your financial accounts, we collect transaction data, account balances, and other financial information necessary to provide our budgeting services. This information is encrypted and securely stored.

Usage Information

We collect information about how you use our platform, including pages visited, features used, and interaction patterns to improve our services.

Use of Plaid

When you choose to connect a financial account, we use services provided by Plaid Inc. ("Plaid") to gather your data from financial institutions. By using our Services, you grant us and Plaid the right, power, and authority to act on your behalf to access and transmit your personal and financial information from the relevant financial institution. Your data is transferred, stored, and processed by Plaid in accordance with Plaid's End User Privacy Policy.

3. How We Use Your Information

To provide and maintain our financial management services
To analyze your spending patterns and provide budgeting insights
To send you important account updates and notifications
To improve our platform and develop new features
To ensure the security and integrity of our services
To comply with legal obligations and prevent fraud

4. Information Sharing and Disclosure

We do not sell, trade, or otherwise transfer your personal information to third parties except in the following circumstances:

With your explicit consent
To trusted service providers who assist in operating our platform
When required by law or to protect our legal rights
In connection with a business transaction such as a merger or acquisition

5. Data Security

We implement industry-standard security measures to protect your information, including encryption, secure servers, and regular security audits. However, no method of transmission over the internet is 100% secure, and we cannot guarantee absolute security.

6. Your Rights and Choices

Access and update your personal information
Delete your account and associated data
Opt out of non-essential communications
Request a copy of your data
Object to certain processing activities

Jurisdiction-Specific Rights

If you are a California resident, you may have rights under the California Consumer Privacy Act (as amended by CPRA), including the right to know, delete, correct, and opt out of certain sharing. To exercise these rights, contact us at privacy@finebudget.com and include "CPRA Request" in the subject line.

Legal Bases (EEA/UK Users)

Where GDPR applies, we process: (a) account/profile data on the basis of contract; (b) analytics and product improvement on legitimate interests; (c) marketing on consent; (d) compliance and security on legal obligation/legitimate interests.

Data Subject Requests

Submit access, deletion, or correction requests to privacy@finebudget.com. We verify your identity and respond within 30 days (extendable as permitted by law). We will retain limited records required for legal, billing, fraud prevention, or security for the period mandated by law before securely deleting or anonymizing them.

7. Data Retention

We retain your information for as long as necessary to provide our services and fulfill the purposes outlined in this policy. When you delete your account, we will delete or anonymize your personal information within 30 days, except where we are required to retain it by law.

8. Cookies and Similar Technologies

We use cookies and similar technologies to enhance your experience, analyze usage patterns, and provide personalized content. You can control cookie settings through your browser preferences.

Cookies and Tools We Use

We may use analytics and product tools (e.g., Google Analytics/Mixpanel), error monitoring (e.g., Sentry), payment processing (Stripe), and Plaid connectivity. See our Cookie Policy for a current list, purposes, and controls.

9. Children's Privacy

Our services are not intended for children under 13 years of age. We do not knowingly collect personal information from children under 13. If you become aware that a child has provided us with personal information, please contact us immediately.

10. Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on this page and updating the "Last updated" date. We encourage you to review this policy periodically.

11. Contact Us

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

Fine Budget LLC
PMB 215
1353 Riverstone Pkwy Ste 120
Canton, GA 30114

Email: support@finebudget.com
Privacy Inquiries: privacy@finebudget.com
Legal Inquiries: legal@finebudget.com