Privacy Policy - PeFi

Before using PeFi application you are required to acquaint yourself with the Terms of Use (“Terms”) and this Privacy Policy (“Policy”). The Policy forms an integral part of the Terms and all definitions and names shall have the respective meaning defined therein. By downloading, installing, using or otherwise accessing PeFi application, you are expressing your acceptance and willingness to be bound by the Terms, including the Policy. We refer to all of these products, together with our other services and websites as “Services” in this policy.

Service provision

You acknowledge that PeFi (“Provider”) may, as a data controller, process your personal data in a scope specified hereunder as necessary for the performance of a contract arising out of these Terms. The purpose of this personal data processing is service provision which includes ensuring PeFi features and providing support. Minimum scope of your personal data required for a conclusion of a contract with the Provider and setting up and keeping your PeFi account include your language, currency, and subscription details. Provision of other personal data is completely voluntary and therefore the scope of the data being processed by the Provider depends mainly on the PeFi features you want to use. As long as you will use the financial tracking and budgeting feature of PeFi the Provider will process your personal financial information (such as incomes, expenses and their details, budgets, etc.) based on your input. In case you will use the payment account synchronization feature of PeFi the Provider will process also credentials to access the payment account, transaction details (including, but not limited to the amount, description, note, date, and currency), and the payment account details (such as account number, account name, balance, currency, and type of account). In order to get a more personalized experience and better financial advice, you can also fill out your PeFi account and let us process your personal data including place of residence, housing situation, education and employment details, property details, and economic situation. You furthermore acknowledge that as a part of the personal data processing for the purpose of service provision the Provider may use profiling to analyze or predict aspects concerning your family status, housing situation, education and employment, property details, and economic situation, as well as behavior in order to deliver you the best-personalized experience and financial advice. This profiling doesn’t result in any automated decision-making which would produce legal effects to you or would have similarly significant consequence. All personal data categories mentioned above in this section can be hereinafter referred to as “Personal data”. The Personal Data will be processed by the Provider for the purpose of service provision until you delete it or until you or the Provider will terminate the Agreement.

Information we collect automatically when you use the Services

PeFi does not collect any personal financial data, such as but not limited to income, expenses, categories, etc. PeFi only collects metadata for analytical purposes, for example, to define our roadmap or to find a way to speed up transaction entry times, if we see that it is taking too long. Or for example to provide you with a list of recommended budgets, based on the most used budget types. Your data stay on your device and are synced only with your consent through iCloud, where only you can have access to them. Data Sync is provided as a FREE feature. In order to provide personalized support or special offers, PeFi may request your contact data (email, telephone number). You agree that you provide all these data voluntarily. You can optionally subscribe to our newsletter and unsubscribe as well. You agree to provide accurate, truthful, and current Personal Data and keep it up to date. We collect information about you when you use our Services, including browsing our websites and taking certain actions within the Services. Your use of the Services: We keep track of certain information about you when you visit and interact with any of our Services. This information includes the features you use; how much you use them. Device and Connection Information: We collect information about your phone, tablet, or other devices you use to access the Services. This device information includes your connection type and settings when you install, access, update or use our Services. We also collect information through your device about your operating system, browser type, IP address, URLs of referring/exit pages, device identifiers, and crash data. We use your IP address and/or country preference in order to approximate your location to provide you with a better Service experience. How much of this information we collect depends on the type and settings of the device you use to access the Services. You can always opt out of analytics.

Information you provide us

App content you provide us for inspection and debugging: If you are facing issues using our Services, we may request you to provide us with more information about your data. Since data are stored on your device, it might happen that they can get corrupted, thus making the app behave in an unexpected or unintended way. If we do not resolve the bug or cannot reproduce it, we may request you to provide a copy of your data to test run them on our testing devices. You choose to do so or not, it is up to you. If you want to help us identify and fix your bug faster, you can send a protected copy of the requested files. Please create a password-protected zip archive and send it over to us. You can send the password in a separate email after that. After receiving your data, we will anonymize by obfuscating all account names, transaction descriptions, budget names, etc. Also, we will multiply the transaction amount with a randomly generated number, so that we cannot see the real value of your transaction. For example, 1kg of beef costed you 10 Euros. We multiply it with a totally random number between 1 and 100, and then we get something like 19,235. So we see something like this: “hshkshghd shhs 19,235 Euro”.

How we share your information

The Provider may appoint third parties – data processors to perform some of the personal data processing operations, however only for the purposes specified in this Policy, on a basis of a written agreement and under statutory conditions. Otherwise, the Provider does not transfer or disclose your Personal Data to any third parties unless you have consented otherwise under this Policy or initiated the disclosure or except as required by the applicable laws. For example, we use Fabric and Google Firebase for app analytics and crash reports, so we can offer you new features and understand app usage. Sharing your data with other users of PeFi is completely under your control. You hereby agree that PeFi may use the Personal Data provided by you to send commercial offers and communication with respect to PeFi, related services or services of business partners associated with PeFi. For example, if you register for our newsletter, we use MailChimp for our email campaigns. Or if you send an invitation to a friend, we use Branch.io to attribute that install to you and award you the reward.

Information, correction and deletion

You hereby acknowledge that you are entitled to withdraw your consent for collecting your Personal Data at any time, you have the right to access, correct, or discard your Personal Data or remove them if misleading. Furthermore, you are entitled to contact the Provider in writing with any complaint concerning the processing of your Personal Data. Your consent to the processing of your Personal Data may only be withdrawn by sending a written notice to the address of PeFi. You can send us a request at support@pefiapp.com

Delete your data

Personal Data is being processed while you use the PeFi and until your consent to the processing is withdrawn and the are completely deleted from your devices. In case you are using Data Sync, you need to delete your data from your iCloud account as well. PeFi is built with your privacy in mind, that is why you can request us to completely delete everything we collect. On our end, we don’t have access to any of your financial data, but we can have your email address or phone number if you contacted us. Just send an email at support@pefiapp.com and we will process your inquiry. The data deletion process has 2 phases: – Data deletion on device & your personal cloud instance – Data deletion manually with a request sent to us You can delete all your historical financial data by removing the app from your device. Or if you use multiple devices, by removing the app on all devices. Then you can send a data deletion request and we will remove all your contact data.

Technical and Anonymous Data

We collect technical and anonymous data to ensure that the app is crash free and to eliminate all bugs as soon as possible. These data include but are not limited to information about your mobile device and system, internet connection or your use of PeFi application. The purpose of the collection of technical data is to ensure quality, increase your comfort and further analyze and develop PeFi and related services. You can opt-out of analytics anytime inside the app. You also agree that PeFi may anonymize and collect your age and sex data in connection with the data you enter or upload to the PeFi application and use it for the purpose of anonymous analyses and statistics. Both, technical and anonymous data, are stored separately from the Personal Data and cannot be linked back to you in any way in order to identify you. You agree that the anonymous data may be disclosed or sold to third parties, including outside the territory of the European Union.

Data security

Your Personal Data is stored on your devices. PeFi does not have access to them. However, you agree that in the future PeFi may decide to transfer your Personal Data abroad, including outside the territory of the European Union, and store it and process it with a help of cloud services provided by Amazon, Microsoft or Google. In that case, your Personal Data is always transferred from you to the servers using secure SSL connections. You acknowledge, that even PeFi uses all standard security measures, the security of your Personal Data and other information can’t be guaranteed.

How to access and control your information

You have certain choices available to you when it comes to your information. Below is a summary of those choices, how to exercise them and any limitations. Personal financial data. You have total control of your data. You can delete them by deleting the app. Analytics metadata You can opt-out analytics inside the app, Analytical metadata collected will be deleted automatically after a certain period of time. Contact information If you subscribed to our newsletter or contacted us via email or via our support system, please send us an email at support@pefiapp.com. We will process your request accordingly.

Changes to our Privacy Policy

We may change this privacy policy from time to time. We will post any privacy policy changes on this page and, if the changes are significant, we will provide a more prominent notice by adding a notice on the Services homepages, login screens, or by sending you an email notification. We will also keep prior versions of this Privacy Policy in an archive for your review. We encourage you to review our privacy policy whenever you use the Services to stay informed about our information practices and the ways you can help protect your privacy. If you disagree with any changes to this privacy policy, you will need to stop using the Services and deactivate your account(s), as outlined above.