Privacy Policy

1.1 Information You Provide

• Account Information: When you register, we collect your email address, name, and any profile details you choose to provide (such as job category, age range, and city — used for anonymous Club comparisons).
• Financial Data: Spending categories, budget amounts, and manually entered transactions you create within the app.
• Linked Financial Accounts: If you choose to connect bank accounts through Plaid (optional), we receive transaction data and account balances from your financial institutions.
• Apple Wallet / Apple Pay Data: With your permission, we import transaction data from Apple Wallet to populate your spending history.

1.2 Information Collected Automatically

• Usage Analytics: How you interact with the app (features used, screens viewed, session duration), collected to improve the Service.
• Device Information: Device type, operating system version, app version, and unique device identifiers.
• Log Data: Error logs, crash reports, and diagnostic information to maintain service reliability.
• Performance Data: App performance metrics to optimize your experience.

1.3 Information We Do NOT Collect

• We do not collect your full bank account numbers, credit card numbers, or banking credentials
• We do not collect your Social Security Number or government-issued ID
• We do not sell your personal data to advertisers or data brokers

We use the information we collect to:

• Provide the Service: Power your budget tracking, Financial Health Score, spending analysis, and AI-powered insights
• Personalize Your Experience: Tailor recommendations, insights, and league standings to your individual financial profile
• SocialSpend Club Comparisons: Aggregate and anonymize your demographic and spending data to generate club-level statistics (see Section 3)
• Improve the Service: Analyze usage patterns to enhance features, fix bugs, and develop new functionality
• Communicate With You: Send account-related notifications, product updates, and respond to support requests
• Security and Fraud Prevention: Detect and prevent fraudulent activity, unauthorized access, and abuse
• Legal Compliance: Meet our legal obligations and enforce our Terms of Service

Here is exactly how the Club works from a privacy perspective:

• Your demographic information (job category, age range, city) and spending data are combined with data from other users in the same demographic group
• We only generate group statistics when a cohort contains a minimum number of users, preventing individual re-identification
• Aggregate statistics (e.g., "people in your group spend an average of X on dining") are what gets displayed — never individual breakdowns
• You may opt out of the SocialSpend Club at any time in your app settings, which will exclude your data from all group comparisons
• Opting out does not affect your access to personal budgeting features

We do not sell, rent, or trade your personal information. We share information only in these limited circumstances:

4.1 Service Providers

We share data with trusted third-party vendors who help us operate the Service:

4.2 Legal Requirements

We may disclose your information if required to do so by law, court order, or governmental authority, or if we believe disclosure is necessary to protect the rights, property, or safety of Unitect LLC, our users, or the public.

4.3 Business Transfers

If Unitect LLC is involved in a merger, acquisition, or asset sale, your information may be transferred as part of that transaction. We will notify you before your data is transferred and becomes subject to a different privacy policy.

We retain your personal information for as long as your account is active or as needed to provide the Service. Specifically:

• Account data: Retained while your account is active and for up to 30 days after account deletion to allow recovery
• Financial transaction data: Retained for the duration of your account plus 90 days after deletion
• Usage analytics: Retained in aggregated, anonymized form indefinitely; individual records deleted within 12 months
• Log and diagnostic data: Retained for up to 90 days
• SocialSpend Club aggregate data: Anonymized aggregate statistics may be retained indefinitely as they contain no personal information

After the retention period, your data is securely deleted or irreversibly anonymized.

Depending on your location, you may have the following rights regarding your personal data:

How to Exercise Your Rights

To exercise any of these rights, you may:

• Use the account settings within the SocialSpend app to manage, export, or delete your data
• Email us at hello@getsocialspend.com with the subject line "Privacy Request"

We will respond to your request within 30 days. In some cases, we may need to verify your identity before processing your request.

California Residents (CCPA)

If you are a California resident, you have additional rights under the California Consumer Privacy Act (CCPA), including the right to know about personal information collected about you, the right to delete personal information, and the right to opt out of the sale of personal information. We do not sell personal information. To submit a CCPA request, contact us at hello@getsocialspend.com.

European Users (GDPR)

If you are located in the European Economic Area (EEA) or United Kingdom, you have rights under the General Data Protection Regulation (GDPR). Our legal basis for processing your data includes:

• Contract performance: Processing necessary to deliver the Service you subscribed to
• Legitimate interests: Improving the Service, fraud prevention, and security
• Consent: For optional features such as bank account linking and SocialSpend Club participation
• Legal obligation: Compliance with applicable laws

You have the right to lodge a complaint with your local data protection authority if you believe your rights have been violated.

We implement commercially reasonable technical and organizational security measures to protect your personal information, including:

• Encryption of data in transit (TLS/HTTPS) and at rest
• Secure access controls and authentication systems via Clerk
• Regular security audits and vulnerability assessments
• Minimal data access on a need-to-know basis for our team
• Secure handling of third-party integrations

However, no method of transmission over the internet or method of electronic storage is 100% secure. While we strive to protect your information, we cannot guarantee absolute security. In the event of a data breach that affects your personal information, we will notify you as required by applicable law.

SocialSpend is not directed to children under the age of 18. We do not knowingly collect personal information from children under 18. If we become aware that we have collected personal information from a child under 18, we will take steps to delete that information promptly. If you believe we may have collected information from a child, please contact us at hello@getsocialspend.com.

The SocialSpend mobile app does not use browser cookies. However, the app and our website may use:

• Analytics SDKs: To understand app usage and improve the Service
• Crash reporting tools: To identify and fix technical issues
• Performance monitoring: To ensure the app runs reliably

You may opt out of analytics tracking through your device settings (iOS: Settings → Privacy & Security → Tracking) or by contacting us.

We may update this Privacy Policy from time to time to reflect changes in our practices or for other operational, legal, or regulatory reasons. We will notify you of material changes by:

• Updating the "Last Updated" date at the top of this page
• Sending a push notification or in-app notice
• Emailing you at the address associated with your account for significant changes

Your continued use of the Service after the effective date of any changes constitutes your acceptance of the updated Privacy Policy.

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