Centsible - Smart Budget Management

1. Introduction

Centsible ("we", "our", "us") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our Service.

2. Information We Collect

2.1 Information You Provide

Account Information: Name, email address, password
Profile Information: Avatar image, display name, household information
Financial Data: Transactions, budgets, bills, savings goals, income sources, credit cards, debts
Payment Information: Credit card details (processed securely by Stripe)

2.2 Automatically Collected Information

Usage Data: Pages visited, features used, time spent
Device Information: IP address, browser type, operating system
Cookies: Authentication tokens, session data, preferences

3. How We Use Your Information

We use your information to:

Provide, maintain, and improve the Service
Process your transactions and manage subscriptions
Send you notifications about bills, budgets, and alerts
Provide AI-powered features and insights using Claude AI
Respond to your support requests
Detect and prevent fraud and abuse
Comply with legal obligations

4. Data Sharing

We do NOT sell your personal information. We only share your data in these limited circumstances:

With Your Household Members: Financial data is shared with members you invite to your household
Service Providers: Vercel (hosting), Stripe (payments), Resend (email), Anthropic Claude (AI features)
Legal Requirements: If required by law or to protect our rights
Business Transfers: In the event of a merger or acquisition

5. Data Security

We implement industry-standard security measures:

Encryption: All data is encrypted in transit (TLS/SSL) and at rest (AES-256)
Authentication: Passwords are hashed using bcrypt with NextAuth.js
Access Control: Role-based permissions for household members
Regular Security Audits: Ongoing monitoring and security reviews
Secure Backups: Regular encrypted backups on Vercel infrastructure

6. Your Rights

You have the right to:

Access: Request a copy of your personal data
Correction: Update or correct your information
Deletion: Request deletion of your account and data
Export: Download your data in CSV, Excel, or PDF format
Opt-Out: Unsubscribe from marketing emails (transactional emails required for service operation)
Portability: Transfer your data to another service

To exercise these rights, contact us at privacy@centsible.money

7. Data Retention

Free Tier: We retain your transaction data for 2 months. Other data (budgets, goals, categories) is retained while your account is active.

Paid Tier: We retain all your data indefinitely while your subscription is active.

After Account Deletion: All data is permanently deleted within 30 days of account closure.

8. Cookies and Tracking

We use cookies for:

Essential: Authentication, session management (required for service)
Functional: Remember your preferences and settings
Analytics: Understand how you use the Service to improve features

You can control cookies through your browser settings. Disabling essential cookies will prevent you from using the Service.

9. AI Features and Data Processing

We use Anthropic's Claude AI to provide intelligent features such as:

Smart transaction categorization
Budget recommendations
Financial insights and analysis
Receipt processing (OCR)
Anomaly detection

When using AI features, your financial data may be processed by Anthropic's Claude API. This data is not used to train AI models and is processed according to Anthropic's privacy policy. View their privacy policy at anthropic.com/privacy

10. Children's Privacy

The Service is not intended for children under 18. We do not knowingly collect information from children. If you believe a child has provided us information, contact us immediately at privacy@centsible.money

11. International Users

Your information may be transferred to and processed in the United States or other countries where our service providers operate. By using the Service, you consent to this transfer and processing in accordance with this Privacy Policy.

12. Third-Party Services

We use these third-party services to operate Centsible:

Vercel: Hosting, database, and infrastructure (Privacy Policy)
Stripe: Payment processing (Privacy Policy)
Stripe Financial Connections: Used to securely access users' financial account data (balances, transactions, account details) with their explicit consent, for the purpose of providing budgeting and financial insights. No credentials are stored, and all data is processed under Stripe's security and privacy standards. (Privacy Policy)
Resend: Transactional emails (Privacy Policy)
Anthropic Claude: AI-powered features (Privacy Policy)

13. GDPR & CCPA Compliance

For EU Users (GDPR)

You have additional rights including data portability, the right to object to processing, and the right to lodge a complaint with your local data protection authority.

For California Users (CCPA)

You have the right to know what personal information we collect, delete your information, and opt-out of sale. We do NOT sell your personal information.

14. Not Financial Advice

⚠️ CENTSIBLE IS NOT A FINANCIAL ADVISOR

The Service provides tools for tracking and organizing financial information but does not provide financial, investment, tax, or legal advice. AI-generated insights are for informational purposes only. Always consult with qualified professionals for financial decisions.

15. Changes to Privacy Policy

We may update this Privacy Policy from time to time. We will notify you of material changes via email or in-app notification. Continued use of the Service after changes constitutes acceptance of the updated policy.

16. Contact Information

For privacy questions or to exercise your rights, contact us at:

Email: privacy@centsible.money

Support: support@centsible.money