1. Introduction

Lifeskribe, Inc. ("Lifeskribe", "we", "our", or "us") values your privacy. This Privacy Policy explains how we collect, use, store, share, and protect your personal information when you access our web-based financial planning platform and related services (the "Service"). By using the Service, you consent to the practices outlined in this policy.

2. Information We Collect

• Information You Provide:
  • Account Data: Name, email address, and location upon registration.
  • Financial Data: Credit card, bank, loan, and transaction details via Plaid or manual entry.
  • Support Requests: Feedback or issues submitted through our support ticketing system.
  • Optional Inputs: Notes, calendar events, user-created categories, or suggestions submitted within the app.
• Information We Collect Automatically:
  • Device Info: Browser type, OS, IP address.
  • Usage Activity: Navigation behavior, timestamps, and click paths.
  • Crash Reports: Logs from application errors.
  • Cookies: We use cookies for session tracking and performance analytics.
• Derived Merchant Statistics:
  • For each merchant description we maintain local summary metrics (average, minimum, maximum, and total number of times you have categorized that merchant). These statistics never include personal identifiers.

3. Use of Information

Your data is used strictly to provide, enhance, and secure the Lifeskribe Service:

• Deliver and personalize your financial dashboard and projections.
• Forecast income and cashflow trends based on past and planned data.
• Visualize your weather and event data based on your inputted location.
• Notify you of relevant thresholds via our alerting system.
• Respond to support queries and service feedback.
• Analyze anonymized usage patterns via Google Analytics and PostHog.

AI Categorization & Budget Linking:
When our AI model suggests categories or budget links, we transmit only the merchant description, the transaction amount, and the local merchant statistics listed above (average, minimum, maximum, count) together with candidate category/budget names. No personal identifiers (name, email, account numbers, user ID, etc.) are ever sent to or stored by the model. If you prefer not to share this limited, de-identified data, you must discontinue use of Lifeskribe; continued use constitutes consent to this processing.

4. Sharing of Information

We do not sell your personal data. Data is only shared as follows:

• Plaid: For secure financial institution integration. Governed by Plaid’s Privacy Policy.
• Stripe: For secure subscription billing. No card data is stored on our servers.
• Analytics: Google Analytics and PostHog help us improve the Service (anonymized data only).
• Compliance: Shared if required by law, subpoena, or regulatory authority.

5. Data Security

We use Microsoft Azure for secure infrastructure hosting. Security measures include:

• Encryption: All data encrypted at rest and in transit (TLS 1.2+).
• Authentication: All user access protected with MFA and role-based access control.
• Device Protections: Employee systems are monitored under a formal SLA.

6. Data Retention & Deletion

• Your data is stored while your account is active.
• Upon account deletion, your personal and financial data is permanently purged within 30 days.
• Backups (encrypted) are retained temporarily for recovery and then securely destroyed.

7. Your Rights

Depending on your jurisdiction (e.g. CCPA, GDPR), you may:

• Request access to your stored data.
• Request correction or deletion.
• Opt-out of future data sharing for analytics.
• Lodge a complaint with a supervisory authority.

To exercise any of these rights, email us at support@lifeskribe.com.

8. Children’s Privacy

Our Service is not intended for individuals under the age of 16. We do not knowingly collect personal data from children.

9. Updates to This Policy

We may revise this Privacy Policy periodically. Material changes will be announced via email or within the app. The latest version will always be available on our website.

10. Contact Us

If you have questions about this Privacy Policy or your data rights, contact:
Lifeskribe, Inc.
Email: support@lifeskribe.com
State of Incorporation: Delaware, United States