Privacy Policy

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Spendygo — PRIVACY POLICY

Last Updated: 2025‑01‑20

Operated by: Guang Xi Xi Yu Ke Ji You Xian Gong Si, Nanning District

Company Number: CR--

Phone: N/A

Email: support@spendygo.com

1. Introduction

Welcome to Spendygo. Spendygo respects your privacy and is committed to protecting your personal data. This Privacy Policy explains how we collect, use, store, and safeguard information when you use our savings goals, investment views, budget overview, financial statistics, event schedule, notes, sheets, projects, GenAI planning support, and related subscription features (“Service”).

By accessing or using Spendygo, you agree to the practices described in this Privacy Policy.

2. Data Controller

For the purposes of data protection laws, including the GDPR (where applicable), the data controller responsible for your personal data is:

Guang Xi Xi Yu Ke Ji You Xian Gong Si
Office D4 Number 2439 24 Floor, Chuang Gu 2 Office Building, 44 Yu Dong Road, Free Trade Zone, China
Company Number: CR--
Email: support@spendygo.com

3. Information We Collect

We may collect and process the following categories of personal data:

A) Information You Provide Directly
  • Name
  • Email address
  • Account credentials
  • Billing information (processed by third‑party payment providers)
  • Customer support communications
  • Budget, expense, income, category, savings goal, investment, net worth, event, project, note, sheet, dream, and financial planning information you manually enter
B) Automatically Collected Information
  • IP address
  • Device information
  • Browser type
  • Usage data, feature activity, and interaction logs
  • Cookies and similar tracking technologies
C) Information From Third Parties
  • Payment processors
  • Authentication providers (e.g., Google, Facebook)
  • Fraud‑prevention partners

4. How We Use Your Personal Data

We process your personal data for the following purposes:

A) Contractual Purposes

To provide and manage your Spendygo account, including:

  • Processing payments
  • Delivering savings goal tracking, investment views, budget overview, financial statistics, event scheduling, notes, sheets, projects, and subscription services
  • Sending invoices and notifications
  • Providing customer support
  • Informing you about changes to your subscription, account, or service features
B) Legitimate Interests

To improve and protect Spendygo, including:

  • Preventing fraud or misuse
  • Enhancing savings, investment, budget, dashboard, GenAI planning, notes, sheets, projects, and user experience
  • Conducting analytics, service performance monitoring, and feature improvement
  • Sending personalized offers or recommendations
  • Internal administrative purposes
C) Legal Obligations

We may process your data to comply with:

  • Tax laws
  • Financial and accounting reporting requirements
  • Government or regulatory requests
D) Consent
  • Marketing communications
  • Optional budgeting, investment, analytics, GenAI, or personalization features requiring additional data

You may withdraw consent at any time.

5. Cookies and Tracking Technologies

Spendygo uses cookies and similar technologies to:

  • Enable core functionality
  • Remember your preferences
  • Analyze usage patterns
  • Improve performance

You may disable cookies in your browser settings, but some features may not function properly.

6. Disclosure of Information

We may share your personal data with:

A) Service Providers
  • Payment processors
  • Hosting providers
  • Security and fraud‑prevention partners
  • Customer support tools

These providers process data on our behalf under strict confidentiality agreements.

B) Corporate Affiliates

If necessary for administrative or operational purposes.

C) Legal and Regulatory Authorities

If required to:

  • Comply with legal obligations
  • Respond to lawful requests
  • Protect our rights or users’ safety
D) Business Transfers

If Spendygo is involved in a merger, acquisition, or asset sale, your data may be transferred to the acquiring entity.

We never sell your personal data.

7. International Data Transfers

Your data may be transferred to and stored in countries outside your jurisdiction, including locations without equivalent data protection laws. We ensure appropriate safeguards, such as:

  • Standard contractual clauses
  • Secure processing agreements
  • Technical and organizational protections

8. Data Security

We implement industry‑standard security measures to protect your data, including:

  • Encrypted connections (SSL)
  • Secure servers
  • Access controls
  • Regular security audits
  • Incident response procedures

While we strive to protect your data, no system is completely secure. We will notify you of any data breach where legally required.

9. Data Retention

We retain personal data only as long as necessary for the purposes described in this policy.

Typical retention periods:

Data Type Description Retention Period
Account Data Login info, profile details Until account deletion
Budget & Usage Data Expense entries, budgets, goals, categories, notes, and usage logs Until account deletion
Customer Support Data Emails, chat logs 3 years
Transaction Data Payment records 10 years (legal requirement)
Technical Logs IP, device, analytics 12–24 months

After retention periods expire, data is deleted or anonymized.

10. Your Legal Rights

Depending on your jurisdiction, you may have the right to:

  • Access your personal data
  • Correct inaccurate information
  • Request deletion (“right to be forgotten”)
  • Restrict processing
  • Object to processing
  • Request data portability
  • Withdraw consent
  • Lodge a complaint with a supervisory authority

To exercise your rights, contact support@spendygo.com.

11. Access to Your Account

You are responsible for maintaining the confidentiality of your login credentials. If you believe your account has been compromised, notify us immediately at support@spendygo.com.

12. Children’s Privacy

Spendygo is not intended for individuals under 18 years old. We do not knowingly collect data from minors. If we discover such data, it will be deleted promptly.

13. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. Revised versions will be posted on the Website with an updated “Last Updated” date. Continued use of Spendygo constitutes acceptance of the updated policy.

14. Contact Us

For questions about this Privacy Policy or your personal data, contact:

Guang Xi Xi Yu Ke Ji You Xian Gong Si
Email: support@spendygo.com
Phone: N/A
Website: spendygo.com