Privacy Policy

We use the information we collect for the following purposes:

• Provide and Improve Services: To operate Track Wise, track your financial data, generate insights, and continuously improve our platform.
• Personalization: To customize your experience, display relevant analytics, and provide tailored financial insights.
• Communication: To send you important updates, security alerts, product announcements, and respond to your inquiries.
• Security and Fraud Prevention: To protect your account, detect suspicious activity, and prevent unauthorized access.
• Analytics and Performance: To analyze usage patterns, measure feature performance, and understand how users interact with Track Wise.
• Legal Compliance: To comply with applicable laws, regulations, legal processes, and enforce our Terms of Service.
• AI Features (Coming Soon): To provide AI-powered insights and recommendations based on your spending patterns (always with your consent).

We do NOT use your data for advertising, and we do NOT sell your personal information to third parties.

We take data security seriously and implement industry-standard measures to protect your information:

• Encryption: All data transmitted between your device and our servers is encrypted using TLS/SSL (HTTPS). Sensitive data is encrypted at rest using AES-256 encryption.
• Secure Database: Your data is stored in secure, enterprise-grade PostgreSQL databases with access controls and regular backups.
• Authentication: We use secure authentication mechanisms including bcrypt password hashing and JWT tokens with HTTP-only cookies.
• Access Controls: Only authorized personnel have access to user data, and access is logged and monitored.
• Regular Security Audits: We conduct regular security assessments and vulnerability testing.
• Secure Hosting: Our infrastructure is hosted on Vercel with industry-leading security standards and compliance certifications.

While we implement robust security measures, no system is completely secure. We encourage you to use a strong, unique password and enable two-factor authentication (when available).

We do NOT sell, rent, or trade your personal information. Period.

We may share your information only in the following limited circumstances:

Depending on your location, you may have the following rights regarding your personal data:

• Right to Access: You can request a copy of all personal data we hold about you.
• Right to Rectification: You can update or correct inaccurate information in your account settings.
• Right to Deletion (Right to be Forgotten): You can request deletion of your account and associated data. We will delete your data within 30 days, except where retention is required by law.
• Right to Export (Data Portability): You can request an export of your financial data in a machine-readable format (CSV, JSON).
• Right to Object: You can object to certain data processing activities, such as analytics.
• Right to Restrict Processing: You can request that we limit how we use your data.
• Right to Withdraw Consent: If processing is based on consent, you can withdraw it at any time.
• Right to Opt-Out of Sale: We do not sell personal information. If this changes, you will have the right to opt out.

We use cookies and similar technologies to provide and improve Track Wise:

You can control cookies through your browser settings, but disabling essential cookies may limit functionality.

Track Wise is not intended for children under the age of 13. We do not knowingly collect personal information from children under 13.

If you are a parent or guardian and believe your child has provided us with personal information, please contact us at privacy@track-wise.app and we will delete such information promptly.

Users between 13 and 18 should obtain parental consent before using Track Wise.

Track Wise is operated from the United States. If you are accessing our service from outside the United States, your information may be transferred to, stored, and processed in the United States or other countries where our service providers are located.

We ensure that international data transfers comply with applicable data protection laws, including:

• Standard Contractual Clauses (SCCs) approved by the European Commission
• Adequacy decisions for specific countries
• Other legally compliant transfer mechanisms

By using Track Wise, you consent to the transfer of your information to the United States and other jurisdictions where we operate.

We may update this Privacy Policy from time to time to reflect changes in our practices, technology, legal requirements, or other factors.

When we make significant changes, we will:

• Update the "Last Updated" date at the top of this policy
• Notify you via email (if you have an account)
• Display a prominent notice on the Track Wise platform
• Request your consent if required by law

We encourage you to review this Privacy Policy periodically. Your continued use of Track Wise after changes are posted constitutes your acceptance of the updated policy.

If you have questions, concerns, or requests regarding this Privacy Policy or how we handle your personal information, please contact us:

For general support inquiries, please visit our Contact Us page.