Privacy Policy

Our Commitment to Your Privacy

HOB is a personal finance tracking tool. We take your privacy seriously. This policy explains what data we collect, how we use it, and your rights. We will never sell your data or use it for anything other than providing you with our budgeting service.

What Information We Collect

Account Information

• Email address (for login and essential communications)
• Password (encrypted - we never see your actual password)
• Display name (optional)

Financial Data You Enter

• Account names and balances
• Transaction details (amounts, dates, payees, categories)
• Budget information
• Investment transactions and holdings

Usage Data

• Pages you visit within HOB
• Features you use
• Error logs (to help us fix bugs)
• Analytics data (if enabled - we may use Google Analytics to improve the service)

How We Use Your Information

• To provide the service: Display your financial data back to you in organized reports and budgets
• To authenticate you: Verify your identity when you log in
• Essential communications: Notify you of system maintenance, security issues, or critical updates
• To improve HOB: Analyze usage patterns to make the service better (anonymized where possible)
• To fix problems: Debug errors and technical issues

Who We Share Data With

Service Providers

• Supabase: Our database and authentication provider. Your data is stored securely on their servers with encryption.
• Vercel: Our hosting provider. They serve the application but don't access your data.

External APIs

• Yahoo Finance: We fetch current stock prices for investment tracking. We only send ticker symbols (e.g., "AAPL"), never your personal data.

Legal Requirements

We may disclose your information if required by law enforcement or court order. However, since we don't store sensitive data like full account numbers, we would have limited information to provide.

How We Protect Your Data

• All data is encrypted in transit (HTTPS/SSL)
• Database is encrypted at rest (managed by Supabase)
• Passwords are hashed - we never see your actual password
• Regular security updates and monitoring

While we take security seriously, no system is 100% secure. That's why we recommend not entering sensitive data like full account numbers or banking passwords.

Cookies and Tracking

We use cookies for:

• Authentication: Keep you logged in between sessions
• Analytics: Understand how the service is used (if Google Analytics is enabled)
• Preferences: Remember your settings

You can disable cookies in your browser, but this will prevent you from logging in to HOB.

Your Rights and Choices

Access Your Data

All your data is visible in your account at any time. You have full control over what you enter and can view everything in the app.

Export Your Data

We plan to offer CSV export functionality so you can download your financial data.

Delete Your Data

You can delete all your data or your entire account from the Settings page. This action is permanent and cannot be undone.

Stop Receiving Emails

We only send essential service emails (security alerts, system maintenance). You cannot opt out of these while maintaining an account, but you can delete your account entirely.

Children's Privacy

HOB is not intended for children under 13. We do not knowingly collect information from children. If you believe a child has created an account, please contact us so we can delete it.

Changes to This Policy

We may update this privacy policy from time to time. We'll notify you of significant changes via email or an in-app notice. Continued use of HOB after changes means you accept the updated policy.

Contact Us

Questions about this privacy policy or how we handle your data? Contact us at: support@handsonbudgeting.com