Privacy Policy

01. Introduction

Savify ("we", "our", "us") values your privacy and is committed to protecting your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our mobile application and website.

We are a behavioral analytics platform, not a bank. As such, our data collection is focused on *patterns* and *habits* rather than processing live financial transactions.

02. Data We Collect

To provide you with our services, including the "Balance Score" and competition rankings, we may collect the following categories of data:

• Identity Data: Name, username, and basic profile information.
• Contact Data: Email address for account verification and support.
• Financial Logs: Self-reported budget entries, expense logs, savings goals, and category tags.
• Competition Data: Your participation history, rank achievements, and certificates earned.

We collect non-invasive app usage data to improve performance, including:

• Device type and operating system.
• App crash logs and performance metrics.
• Time spent on specific features (to optimize UX).

03. Purpose of Data Collection

We use the collected data for specific, transparent purposes aimed at enhancing your financial discipline:

• Generating Balance Scores: Our algorithms analyze your input consistency and budget adherence to calculate your daily score.
• Providing Insights: To offer personalized analytics on where you might be overspending.
• Fair Rankings: To maintain integrity in our leaderboards and ensure no user is manipulating the system.
• Product Improvement: To understand which features users value most and refine our app interface.
• Communication: To send you competition updates, certificates, or critical security alerts.

04. AI & Automated Processing

Savify is an AI-first platform. By using the app, you acknowledge that your data will be processed by artificial intelligence systems.

Our AI systems analyze patterns, trends, and anomalies in your spending behavior. Note that the AI analyzes the *patterns* of the data you submit; it does not verify the real-world "truth" of individual purchases against bank records.

Data may be processed using trusted third-party AI service providers (e.g., cloud-based machine learning endpoints) to generate insights. These providers are bound by strict confidentiality agreements.

05. Data Sharing & Disclosure

We maintain strict control over who sees your data. Sharing is limited to the following scenarios:

• Service Providers: We may share data with trusted vendors who help us operate our app (hosting, analytics, email delivery). They only have access to data necessary to perform their specific tasks.
• Legal Obligations: We may disclose information if required to do so by law or in response to valid requests by public authorities (e.g., a court order).

Public Disclosure: We will never publish your individual financial scores, income, or debt levels publicly without your explicit consent (e.g., opting into a public leaderboard).

06. Data Storage & Security

Your data is stored securely using industry-standard cloud infrastructure providers (such as AWS or Google Cloud) with robust physical and digital security protocols.

• Encryption: Data is encrypted in transit (using SSL/TLS) and at rest.
• Access Control: Access to personal data is restricted to authorized Savify employees who have a legitimate need to know.

07. Your Rights & Choices

You have control over your data. Depending on your jurisdiction, you may have the following rights:

• Right to Access: You can view the personal data we hold about you directly within the app profile.
• Right to Correction: You can edit incorrect budget entries or update your profile information at any time.
• Right to Deletion: You may request the full deletion of your account and associated data via the "Delete Account" option in Settings. Once deleted, this data is generally irretrievable.
• Opt-Out: You may opt-out of push notifications or marketing communications via your device settings or the unsubscribe link in emails.

08. Cookies & Tracking

We use cookies and similar tracking technologies to track the activity on our Service and hold certain information. You can instruct your browser to refuse all cookies or to indicate when a cookie is being sent. However, if you do not accept cookies, you may not be able to use some portions of our Service.

09. Contact Us regarding Privacy

If you have any questions about this Privacy Policy or wish to exercise your data rights, please contact our Data Protection Officer:

• By email: savifyhq@gmail.com
• By visiting: www.savify.in/privacy-policy.html