Privacy Policy

Effective Date: [Insert Date]

Welcome to Savvyo (“we”, “our”, “us”) — a minimalist personal finance tracker focused on privacy-first money management. This Privacy Policy explains how we collect, use, and protect your information when you use the Savvyo mobile app and website.

1. What Information We Collect

We collect only the minimal information necessary to provide and improve our service.

Information you provide directly:

• Email address (for account setup and support)

• Manually entered expense data (amounts, categories, notes)

Optional:

• Voice-input text (processed on-device or temporarily for categorization)

• Usage behavior (to generate insights or nudges)

We do NOT collect:

• Bank login information

• Payment card details

• Sensitive personal identifiers (like national ID numbers)

2. How We Use Your Information

We use your data to:

• Deliver core features like expense tracking and budgeting

• Generate AI-powered nudges and insights

• Provide customer support

• Improve app performance and user experience

We do not sell or share your data with third-party marketers.

3. AI & Analytics

Savvyo may use AI or machine learning to generate spending insights based on patterns.
Any data used for this purpose is processed securely and only within the app environment.

4. Your Data, Your Control

You can:

• Edit or delete your expenses at any time

• Request deletion of your account and associated data by contacting support@savvyo.com

• Export your data (CSV) if you're a Pro user

5. Data Storage & Security

We take data security seriously:

• Data is encrypted in transit (HTTPS)

• Stored securely on trusted cloud infrastructure

• Access is restricted to essential personnel only

6. Third-Party Services

Savvyo may use third-party tools (e.g., Firebase, analytics) to improve performance. These services are GDPR- and CCPA-compliant.

7. No Ads or Trackers

Savvyo is ad-free and does not use third-party trackers for marketing purposes.

8. Children’s Privacy

Savvyo is not intended for users under 13. We do not knowingly collect personal data from children.

9. Changes to This Policy

We may update this Privacy Policy. When we do, we'll revise the "Effective Date" at the top. We’ll notify users in-app or via email when major changes occur.

10. Contact Us

If you have questions about this policy or your data, contact us at:

Email: connect@savvyo.co
Company: Savvyo Inc.