Introduction

Welcome to Carman ("we," "our," or "us"). We are committed to protecting your privacy and ensuring the security of your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our budgeting application and related services.

Information We Collect

Personal Information

We may collect the following personal information:

• Name and email address when you create an account
• Profile information you choose to provide
• Authentication credentials

Financial Information

With your explicit consent, we may collect:

• Bank account information through secure third-party connections
• Transaction data from your connected accounts
• Spending patterns and financial habits

Usage Information

We automatically collect:

• Device information and IP addresses
• Usage patterns and app interactions
• Error logs and performance data

How We Use Your Information

We use your information to:

• Provide and maintain our budgeting services
• Process transactions and categorize spending
• Generate insights and financial reports
• Improve our application and user experience
• Send important updates and notifications
• Ensure security and prevent fraud

Data Sharing and Disclosure

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 explicit consent
• To comply with legal obligations
• To protect our rights and safety
• With trusted service providers who assist in our operations

Data Security

We implement industry-standard security measures to protect your information:

• Encryption of data in transit and at rest
• Secure authentication and access controls
• Regular security audits and updates
• Limited access to personal information on a need-to-know basis

Your Rights

You have the right to:

• Access and review your personal information
• Update or correct inaccurate information
• Request deletion of your account and data
• Opt-out of certain communications
• Export your data in a portable format

Data Retention

We retain your information for as long as your account is active or as needed to provide services. You may request deletion of your account at any time, and we will delete your information within 30 days of your request.

Third-Party Services

Our application may integrate with third-party services for:

• Bank account connections and transaction data
• Payment processing
• Analytics and performance monitoring
• Customer support services

These services have their own privacy policies, and we encourage you to review them.

Children's Privacy

Our services are not intended for children under 13 years of age. We do not knowingly collect personal information from children under 13. If you believe we have collected such information, please contact us immediately.

Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of any material changes by posting the new policy on this page and updating the "Last updated" date.

Contact Us

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