Privacy Policy - SmartSpender

ACL Solutions LLC ("Company," "we," "us," or "our") operates the SmartSpender web application and mobile application (collectively, the "App"). This Privacy Policy explains how we collect, use, and protect your information when you use SmartSpender.

1 Information We Collect

Account Information

When you create an account or sign in, we may collect:

Email address (for authentication)
Display name (optional)
Authentication tokens from third-party providers (Google Sign-In)

Financial Data You Upload

When you upload bank or credit card statements, we process:

Transaction dates, amounts, and descriptions
Merchant names extracted from transaction descriptions
Category assignments (automatically generated)

This data is stored securely and associated with your user account. You can delete your data at any time.

Usage Data

We automatically collect:

Questions and queries you submit to the AI assistant
App features accessed and interaction patterns
Device type and browser information

2 How We Use Your Information

Provide personalized financial analysis and insights
Categorize transactions and track spending patterns
Generate AI-powered recommendations and answers to your questions
Calculate budgets and spending trends
Improve App performance and user experience
Fix bugs and technical issues

3 Data Storage and Security

Your data is stored securely using industry-standard practices:

Encryption

All data encrypted in transit (HTTPS) and at rest

AWS Infrastructure

Enterprise-grade security on Amazon Web Services

Access Controls

Strict controls ensure only authorized access

Data Isolation

Each user's data is isolated and private

4 Third-Party Services

Amazon Web Services (AWS)

Cloud infrastructure including Lambda, DynamoDB, and S3

Amazon Bedrock (Claude AI)

Powers AI assistant - queries processed but not used for training

Vercel

Hosts the web application frontend

Google Sign-In

Optional authentication provider

5 Data Sharing

We do not sell your data.

We do not share your financial information with third parties for marketing or advertising purposes.

We may share information only:

With service providers who help operate the App (as described above)
If required by law or legal process
To protect the rights, safety, or property of our users or others

6 Data Retention

Transaction Data: Retained until you delete it or close your account
Query History: Retained for 90 days to enable query history features
Usage Analytics: Aggregated and anonymized data may be retained indefinitely

7 Your Rights and Choices

You have control over your data:

Access

View all your transaction data and query history in the App

Delete

Delete individual transactions or all your data

Export

Export your data in standard formats

Account Deletion

Request complete account deletion by contacting support

8 Children's Privacy

SmartSpender is not intended for children under 13 years of age. We do not knowingly collect information from children under 13.

9 International Data Transfers

Your data may be processed in the United States where our servers are located. By using the App, you consent to this transfer.

10 Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of any material changes by updating the "Last Updated" date and, where appropriate, through the App or email.

11 Contact Us

If you have questions about this Privacy Policy or our data practices, please contact us at:

ACL Solutions LLC

30 N Gould St Ste N

Sheridan, WY 82801

United States

privacy@aclsolutions.io