Privacy Policy

1. Introduction

Margent ("we," "our," or "us") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our personal finance management service.

2. Information We Collect

Information You Provide

• Account Information: Email address, password (encrypted), and profile settings
• Financial Data: Transactions, budgets, categories, and savings goals you create
• Payment Information: Processed securely through Stripe; we do not store your card details

Information from Third Parties

• Bank Data: If you connect bank accounts via Plaid, we receive transaction data, account balances, and account information. We do not receive or store your bank login credentials.

Automatically Collected Information

• Usage Data: How you interact with the Service, features used, and time spent
• Device Information: Browser type, operating system, and device identifiers
• Log Data: IP address, access times, and pages viewed

3. How We Use Your Information

We use your information to:

• Provide, maintain, and improve the Service
• Process transactions and manage your subscription
• Display your financial data and analytics
• Send service-related communications (account updates, security alerts)
• Provide customer support
• Analyze usage patterns to improve user experience
• Detect and prevent fraud or abuse

4. How We Share Your Information

We do not sell your personal information. We may share your information with:

• Service Providers: Third parties that help us operate the Service (e.g., Supabase for database hosting, Stripe for payments, Plaid for bank connections)
• Legal Requirements: When required by law, court order, or to protect our rights
• Business Transfers: In connection with a merger, acquisition, or sale of assets

5. Data Security

We implement industry-standard security measures to protect your data:

• 256-bit SSL/TLS encryption for data in transit
• Encrypted data storage at rest
• Secure authentication through Supabase Auth
• Regular security audits and updates
• Bank connections through Plaid's secure, read-only API

However, no method of transmission over the Internet is 100% secure. We cannot guarantee absolute security of your data.

6. Data Retention

We retain your data for as long as your account is active or as needed to provide the Service. If you delete your account, we will delete your personal data within 30 days, except where retention is required by law.

7. Your Rights

Depending on your location, you may have the right to:

• Access the personal data we hold about you
• Correct inaccurate data
• Delete your data ("right to be forgotten")
• Export your data in a portable format
• Opt out of marketing communications
• Disconnect linked bank accounts at any time

To exercise these rights, please contact us or use the account settings in the app.

8. Third-Party Services

Our Service integrates with third-party services that have their own privacy policies:

• Plaid: For bank account connections. Plaid Privacy Policy
• Stripe: For payment processing. Stripe Privacy Policy
• Supabase: For authentication and database. Supabase Privacy Policy

9. Cookies and Tracking

We use essential cookies to maintain your session and preferences. We do not use third-party advertising cookies or tracking pixels.

10. Children's Privacy

The Service is not intended for users under 18 years of age. We do not knowingly collect personal information from children under 18.

11. International Users

If you are accessing the Service from outside the United States, please be aware that your information may be transferred to, stored, and processed in the United States where our servers are located.

12. Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of any material changes by posting the new policy on this page and updating the "Last updated" date.

13. Contact Us

If you have questions about this Privacy Policy or our data practices, please contact us through the app or at the contact information provided in the Service.