Privacy Policy

1. Introduction

SpendGuard ("we", "our", or "us") is committed to protecting your personal information. This Privacy Policy explains what data we collect, how we use it, and your rights. By using SpendGuard, you agree to the practices described here.

2. Information We Collect

3. How We Use Your Data

• Provide and operate the SpendGuard service
• Authenticate you and maintain your session
• Generate financial analytics and reports for your account
• Send you monthly financial summary emails (if enabled)
• Improve the platform based on anonymized usage data
• Respond to your support requests

4. Data Security

We take security seriously. All passwords are hashed using bcrypt before being stored. All API communications use HTTPS. Authentication uses short-lived JWT tokens.

We do not store raw payment credentials, bank account numbers, or any sensitive financial identifiers. Your transaction data is entered manually by you.

5. Data Sharing

We do not sell, rent, or share your personal data with third parties for advertising or marketing purposes. We do not use your financial data for any purpose other than operating your SpendGuard account.

We may share anonymized, aggregated statistics (e.g., "platform users tracked ৳X this month") publicly. These statistics never identify individual users.

6. Data Retention

Your data is retained for as long as your account is active. If you delete your account, we will permanently delete all personal data and transaction records within 30 days.

7. Your Rights

• Access: Request a copy of all data we hold about you
• Correction: Update your name, email, or profile information
• Deletion: Permanently delete your account and all associated data
• Portability: Export your transaction data as CSV at any time
• Opt-out: Unsubscribe from email reports at any time

To exercise any of these rights, email us at ridoybaidya2@gmail.com.

8. Cookies

SpendGuard uses a single authentication cookie to keep you logged in between sessions. We do not use advertising cookies, tracking pixels, or third-party analytics cookies.

9. Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you by email and update the "Last updated" date at the top of this page. Continued use of SpendGuard after changes constitutes acceptance.

10. Contact

If you have questions about this Privacy Policy or your data, please contact us: