Privacy Policy for CentSible

Last Updated: December 2024

1. Introduction

Welcome to CentSible ("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, share, and protect your data when you use our web app.

2. Information We Collect

We collect the following types of personal information:

  • - First and last name
  • - Email address
  • - Financial transaction data
  • - Budgeting information (including budgets, templates, and transaction automation)

3. Financial Data Collection

Through our integration with Stripe Financial Connections, we collect:

  • - Bank account transaction history
  • - Account balances
  • - Account type information

This data is used solely for providing our zero-based budgeting functionality and is stored securely in accordance with financial industry standards. We do not store debit/credit card data on our servers - this information is handled securely by Stripe.

4. How We Use Your Information

We use the collected information to:

  • - Provide personalized budgeting services
  • - Facilitate zero-based budgeting
  • - Improve our services and user experience
  • - Maintain the security of your account
  • - Communicate important updates about our service

5. Data Retention

We retain your personal information and transaction data for as long as your account is active or as needed to provide services. You can request deletion of your data at any time through our support channels.

6. International Data Transfers

CentSible is a service designed for United States customers only. Your data is stored and processed within the United States. The only time your data may be accessed from outside the United States is when you, the account owner, access it from another country.

7. Data Security

We protect your data using industry-standard security measures including:

  • - End-to-end encryption for data transmission
  • - Secure database encryption at rest
  • - Regular and ongoing security monitoring and improvements
  • - Strict access controls and authentication requirements
  • - Secure integrations with third-party providers

8. Account Closure

When you close your account, we will immediately delete or anonymize your data, except where we are required to retain it for legal or regulatory purposes.

9. Third-Party Service Providers

We use the following service providers:

  • - Stripe: For payment processing and financial account connections. They receive banking credentials and debit/credit card information to provide their services.
  • - Resend: Receives email addresses and necessary content to send transactional emails.

Each provider is contractually obligated to protect your data and use it only for specified purposes.

10. Data Breach Notification

In the event of a data breach that affects your personal information, we will notify you promptly in accordance with applicable laws and provide information about steps you can take to protect yourself.

11. Children's Privacy

We do not knowingly collect or solicit information from children under 13. If you are a parent or guardian and believe we may have collected information from a child under 13, please contact us immediately.

12. Your Rights and Choices

As a California resident, you may have certain rights under the California Consumer Privacy Act (CCPA). These may include the right to know what personal information we collect, the right to request deletion of your personal information, and the right to opt-out of the sale of your personal information (note that we do not sell personal information).

13. Changes to This Privacy Policy

We update this Privacy Policy periodically. The date at the top of this policy indicates when it was last revised. We encourage you to review this policy periodically to stay informed about how we protect your information.

14. Contact Us

If you have any questions, concerns, or requests regarding this Privacy Policy or our data practices, please contact us through the chat option available on our home page. This will put you in direct communication with our support team.

15. Consent

By using our web app, you consent to the collection and use of your information as described in this Privacy Policy.