1. Information We Collect

1.1 Account Information

When you create a Piggy account, we collect the following account information:

• Email address
• Name
• Password, stored in encrypted or hashed form
• Profile information you choose to provide

1.2 Financial Information

To help you track your finances, we collect financial information that you provide or enter into the Service, including:

• Transaction details, including date, amount, category, and description
• Budget information
• Credit card and bank account data, only where entered manually by you
• Savings goals and investments
• Exchange rate preferences

1.3 Usage Information

We automatically collect information about how you use Piggy, including:

• Features you use and how often
• Pages you visit
• Time spent in the app
• Device type and operating system
• IP address and approximate location

1.4 Device Information

We may collect device-related information, including:

• Device identifier
• Operating system version and app version
• Crash logs and performance data

2. How We Use Your Information

We use your information for the following purposes:

1. Provide the Service. To process transactions, manage accounts, and deliver Piggy features.
2. Improve Piggy. To analyze usage patterns and enhance functionality, reliability, and performance.
3. AI Categorization. To use Google Gemini AI to automatically categorize your transactions, when you choose to use this optional feature.
4. Stock Data. To fetch investment prices through the Finnhub API for portfolio tracking.
5. Communicate. To send important service updates and respond to support requests.
6. Security. To prevent fraud, protect accounts, and maintain service integrity.
7. Legal Compliance. To meet regulatory, legal, and operational requirements.

3. Data Security

Your security is our priority. We implement technical and organizational measures designed to protect your information.

3.1 Encryption

All data is encrypted in transit using HTTPS/TLS and encrypted at rest. Passwords are hashed and are never stored in plain text.

3.2 Authentication

We use Clerk for secure authentication with industry-standard practices. Piggy does not have access to your passwords.

3.3 Access Control

Only authorized team members may access your data, and only where necessary for support, maintenance, security, or service operations.

3.4 Regular Audits

We regularly review our security practices and update them to protect against emerging threats.

Note: While we implement strong security measures, no system is 100% secure. We encourage you to use strong passwords and enable two-factor authentication when available.

4. Your Rights

Subject to applicable law, you may have the right to:

• Access: Request a copy of all your personal data.
• Correct: Update or fix inaccurate information.
• Delete: Request deletion of your account and data, subject to legal requirements.
• Export: Download your financial data in a portable format.
• Opt Out: Disable optional features such as AI categorization or analytics.
• Restrict: Limit how we use your information.

To exercise these rights, contact us at legal@piggy.com. We will respond within 30 days.

5. Third-Party Services

Piggy uses trusted third-party services to operate and improve the Service:

5.1 Clerk (Authentication)

Clerk handles secure login and account management. Review the Clerk Privacy Policy.

5.2 Google Gemini (AI Categorization)

Google Gemini is an optional AI service used to automatically categorize your transactions. Only transaction descriptions are sent; amounts and sensitive data are not sent. Review the Google Privacy Policy.

5.3 Finnhub (Stock Data)

Finnhub provides real-time stock prices for investment tracking. Review Finnhub Privacy.

5.4 Sentry (Error Tracking)

Sentry monitors app crashes and performance issues and may collect anonymized usage data. Review the Sentry Privacy Policy.

These services process data according to their own privacy policies. We have chosen partners with strong privacy commitments, but you should review their policies as well.

6. Contact Us

If you have questions about this Privacy Policy or how we handle your data, contact us at:

Email: legal@piggy.com

We aim to resolve privacy inquiries within 30 days. If you are not satisfied with our response, you may have the right to lodge a complaint with your local data protection authority.