Privacy Policy – FinancialOnTrack

This Privacy Policy explains how Financial OnTrack (“we,” “us,” “our”) collects, uses, stores, and protects your personal data when you use our website, applications, and services (the “Service”).

By accessing or using the Service, you agree to the collection and use of information in accordance with this Policy.

1. Who We Are

Financial OnTrack is a personal finance tracking tool designed to help users better understand and manage their financial portfolio. For privacy matters, you can contact us at:
financialontrack@outlook.com

2. Information We Collect

We may collect the following categories of personal data:

• Account Data: Name, email address, login information.
• Financial Inputs: Manually entered financial data such as assets, budgets, and goals.
• Usage Data: Device information, IP address, browser type, pages visited.
• Cookies: Session cookies, analytics cookies (only with consent).
• Communication Data: Emails and messages you send to us.

3. How We Collect Information

• Directly from you when you sign up or use the Service.
• Automatically through cookies, logs, and analytics tools.
• When you contact us for support or feedback.

4. How We Use Your Information

We use your data to:

• Provide and operate the Service.
• Display your financial dashboards and insights.
• Improve usability, performance, and security.
• Communicate updates, service notices, and support responses.
• Comply with legal obligations.

5. Legal Bases for Processing (GDPR)

We process personal data under the following legal bases:

• Contract: When data is necessary to provide the Service.
• Legitimate Interest: Security, analytics, service improvement.
• Consent: For optional analytics and marketing emails.
• Legal Obligation: Compliance with laws.

6. Data Sharing & Third Parties

We may share your data with trusted service providers that help us operate Financial OnTrack. These include:

• Hosting providers
• Email delivery services
• Analytics tools (consent-based)
• Security and monitoring services

We do not sell your personal data to third parties.

7. International Data Transfers

If data is transferred outside the EU/EEA, we use lawful safeguards such as Standard Contractual Clauses (SCCs) to protect your information.

8. Data Retention

We retain your personal data only as long as needed to provide our Service or comply with legal obligations. You may request deletion at any time.

9. Your Rights (GDPR)

You have the right to:

• Access your data
• Correct inaccurate information
• Request deletion (“right to be forgotten”)
• Export your data (data portability)
• Restrict or object to processing
• Withdraw consent at any time

To exercise any rights, email us at: financialontrack@outlook.com

10. Cookies & Tracking

Financial OnTrack uses essential cookies for basic functionality. Analytics cookies are only used with your consent. You can manage preferences through your browser or our cookie banner.

11. Security

We implement technical and organizational measures to protect your data, including encryption, secure access controls, and regular reviews. No system is fully secure, but we aim to safeguard your information responsibly.

12. Children’s Privacy

Financial OnTrack is not intended for individuals under 16. We do not knowingly collect personal data from minors.

13. Changes to This Policy

We may update this Privacy Policy from time to time. Material changes will be communicated via email or in-app notice.

14. Contact

For questions, requests, or concerns:
financialontrack@outlook.com