Privacy Policy

Last Updated: February 1, 2025

1. Introduction

Welcome to CreditSpire ("we," "our," or "us"). We are committed to protecting your personal information and your right to privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our mobile application.

2. Information We Collect

2.1 Personal Information

We may collect personal information that you voluntarily provide to us when you:

  • Register for an account
  • Use our services
  • Contact us for support

This information may include:

  • Name and email address
  • Financial data you choose to input (transactions, budgets, goals)
  • Device information and usage data

2.2 Financial Data

CreditSpire allows you to manually enter or import financial information such as:

  • Transaction history
  • Budget categories and amounts
  • Financial goals
  • Credit score information (user-provided)

Important: We do not have access to your actual bank accounts. All financial data is either manually entered by you or imported from files you provide.

3. How We Use Your Information

We use the information we collect to:

  • Provide and maintain our services
  • Personalize your experience
  • Send you notifications about your financial activities
  • Improve our application
  • Respond to your inquiries and support requests
  • Detect and prevent fraud or abuse

4. Data Storage and Security

Your data is stored securely using industry-standard encryption. We use Supabase as our backend provider, which implements:

  • End-to-end encryption for data in transit
  • AES-256 encryption for data at rest
  • Row-level security policies
  • Regular security audits

5. Data Sharing

We do not sell, trade, or rent your personal information to third parties. We may share your information only in the following circumstances:

  • With your consent
  • To comply with legal obligations
  • To protect our rights and safety
  • With service providers who assist in operating our application (under strict confidentiality agreements)

6. Your Rights

You have the right to:

  • Access your personal data
  • Correct inaccurate data
  • Delete your account and data
  • Export your data
  • Opt-out of marketing communications

7. Data Retention

We retain your personal information for as long as your account is active or as needed to provide you services. You can request deletion of your account and all associated data at any time.

8. Children's Privacy

Our services are not intended for users under 18 years of age. We do not knowingly collect personal information from children.

9. 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.

10. Contact Us

If you have questions about this Privacy Policy, please contact us at:

Terms of Service → Delete My Account