Privacy Policy

1. Introduction

Welcome to Ayka Personal Finance Tracker ("Ayka," "we," "us," or "our"). We are committed to protecting your personal information and your right to privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our Service.

Please read this Privacy Policy carefully. If you do not agree with the terms of this Privacy Policy, please do not access the Service.

2. Information We Collect

2.1 Personal Information

We collect personal information that you voluntarily provide to us when you:

• Register for an account
• Use the Service features
• Contact us for support

This information may include:

• Name and contact information (email, phone number)
• Account credentials (username, password)
• Profile information and preferences

2.2 Financial Information

To provide our finance tracking services, we collect:

• Income and expense records
• Bank account and payment information (if provided)
• Investment and property details
• Debt and loan information
• Family member financial data (if added)
• Financial goals and budgets

2.3 Automatically Collected Information

When you access the Service, we automatically collect:

• Device information (IP address, browser type, operating system)
• Usage data (pages visited, features used, time spent)
• Log data (access times, error logs)
• Cookies and similar tracking technologies

3. How We Use Your Information

We use the collected information for the following purposes:

• Service Delivery: To provide, maintain, and improve the Service
• Account Management: To create and manage your account
• Analytics: To generate financial reports and insights
• Communication: To send updates, notifications, and support messages
• Security: To protect against fraud, unauthorized access, and abuse
• Legal Compliance: To comply with legal obligations
• Service Improvement: To understand usage patterns and enhance features

4. How We Share Your Information

We do NOT sell your personal financial information. We may share your information only in the following circumstances:

4.1 Service Providers

We may share information with third-party service providers who perform services on our behalf, such as:

• Cloud hosting providers
• Payment processors
• Email service providers
• Analytics services

These providers are contractually bound to protect your information.

4.2 Legal Requirements

We may disclose your information if required by law or in response to valid legal requests, such as:

• Court orders or subpoenas
• Law enforcement requests
• Protection of our rights and property
• Prevention of fraud or illegal activities

4.3 Business Transfers

If Ayka is involved in a merger, acquisition, or sale of assets, your information may be transferred as part of that transaction. We will notify you of any such change.

5. Data Security

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

• Encryption: Data is encrypted in transit (HTTPS/TLS) and at rest
• Access Controls: Strict access controls and authentication mechanisms
• Regular Audits: Security audits and vulnerability assessments
• Secure Infrastructure: Hosting on secure, monitored servers
• Backup Systems: Regular backups to prevent data loss

However, no method of transmission over the Internet is 100% secure. While we strive to protect your information, we cannot guarantee absolute security.

6. Data Retention

We retain your personal information for as long as necessary to provide the Service and fulfill the purposes outlined in this Privacy Policy. Specifically:

• Active Accounts: Data is retained while your account is active
• Deleted Accounts: After account deletion, data is permanently removed within 90 days
• Legal Requirements: Some data may be retained longer if required by law
• Backup Systems: Data in backups is deleted according to our backup rotation policy

7. Your Privacy Rights

You have the following rights regarding your personal information:

To exercise these rights, please contact us at privacy@aykafin.com

8. Cookies and Tracking

We use cookies and similar tracking technologies to:

• Maintain your login session
• Remember your preferences
• Analyze usage patterns
• Improve Service performance

You can control cookies through your browser settings. However, disabling cookies may affect the functionality of the Service.

9. Third-Party Links

The Service may contain links to third-party websites or services. We are not responsible for the privacy practices of these third parties. We encourage you to review their privacy policies.

10. Children's Privacy

The Service is not intended for individuals under the age of 18. We do not knowingly collect personal information from children. If we discover that we have collected information from a child, we will delete it immediately.

11. International Data Transfers

Your information may be transferred to and processed in countries other than your country of residence. We ensure that appropriate safeguards are in place to protect your information in accordance with this Privacy Policy.

12. Changes to Privacy Policy

We may update this Privacy Policy from time to time. We will notify you of significant changes by:

• Sending an email notification
• Posting a notice in the Service
• Updating the "Last updated" date at the top of this policy

Your continued use of the Service after changes constitutes acceptance of the updated Privacy Policy.

13. Contact Us

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