Privacy Policy

Last updated: December 19, 2024

At Pikaflow, we take your privacy seriously. This Privacy Policy explains how we collect, use, and protect your personal information when you use our expense tracking application.

Our Privacy-First Approach

Unlike traditional expense tracking apps, Pikaflow is designed with privacy at its core:

• No bank account connections - We never access your banking information
• No financial institution integrations - Your banking data stays with your bank
• Manual data entry only - You control exactly what information is stored
• No data selling - We will never sell your personal or financial data
• Minimal data collection - We only collect what's necessary to provide the service

Information We Collect

Account Information

• Email address - For account creation and communication
• Password (encrypted) - For account security
• Display name (optional) - For personalizing your experience

Expense Data

• Transaction amounts - The expenses you manually enter
• Category labels - How you choose to categorize your expenses
• Transaction dates - When you record expenses occurred
• Optional notes - Any descriptions you add to transactions

Usage Information

• App preferences - Your dashboard settings, themes, and preferences
• Login activity - For security monitoring
• Feature usage - To understand which features are most helpful (anonymized)

What We Don't Collect

• Bank account numbers or routing information
• Credit card details or payment information
• Automatic transaction data from financial institutions
• Location data (unless you manually add it to an expense)
• Contact lists or device information
• Social media information

How We Use Your Information

We use your information solely to:

• Provide the expense tracking service - Store and organize your manually entered expenses
• Maintain your account - Keep your data secure and accessible
• Improve the app - Understand feature usage to make Pikaflow better (anonymized data only)
• Communicate with you - Send important account and service updates
• Provide customer support - Help you when you contact us
• Ensure security - Protect against unauthorized access and fraud

Data Storage and Security

• Encryption: All data is encrypted in transit and at rest
• Limited access: Only authorized personnel can access systems (not your personal data)
• Regular backups: Your data is backed up securely to prevent loss
• Security monitoring: We monitor for unauthorized access attempts
• Industry standards: We follow best practices for data protection

Your Data Rights

You have complete control over your data:

• Access: View all data we have about you
• Export: Download your expense data in CSV format at any time
• Correct: Update your account information and expense data
• Delete: Permanently delete your account and all associated data
• Portability: Take your data with you if you decide to leave

Data Retention

• Active accounts: Data is retained while your account is active
• Deleted accounts: All data is permanently deleted within 30 days of account deletion
• Backups: Deleted data is removed from backups within 90 days
• Legal requirements: We may retain some data longer if required by law

Third-Party Services

We use minimal third-party services:

• Hosting provider - For secure data storage (data remains encrypted)
• Email service - For sending account-related emails only
• Analytics - Anonymous usage statistics only (no personal data)

All third-party services are carefully vetted and bound by strict data protection agreements.

International Data Transfers

Your data is stored and processed in the United States. If you're accessing Pikaflow from outside the US, your data may be transferred to and stored in the US, where data protection laws may differ.

Children's Privacy

Pikaflow is not intended for children under 16. We do not knowingly collect personal information from children under 16.

Changes to This Policy

We may update this Privacy Policy to reflect changes in our practices or for legal reasons. We will:

• Notify you via email of significant changes
• Post updates on our website
• Continue operating under the previous policy for 30 days after notification

Contact Us

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

• Email: info@pikaflow.com
• Website: pikaflow.com

We typically respond to privacy requests within 48 hours.