Privacy Policy

SmartSpulse collects information to provide better budgeting services and improve your financial management experience. We're transparent about what we gather and why.

Account Information

When you create an account, we collect basic details like your name, email address, and preferred currency settings. This helps us personalize your budgeting dashboard and send you important account updates.

Financial Data

You choose what financial information to share with SmartSpulse. This might include income sources, expense categories, savings goals, and spending patterns. All financial data remains encrypted and is never shared with third parties for marketing purposes.

Usage Information

• How you navigate through our budgeting tools
• Which features you use most frequently
• Time spent in different sections of the app
• Device information and browser type
• IP address and general location data

We use this information to improve our services and identify which features provide the most value to our users.

Your information helps us deliver personalized budgeting experiences and maintain the security of your financial data.

Service Delivery

We use your information to provide core budgeting features, generate spending insights, and help you track progress toward financial goals. Your data stays within our secure systems and supports the features you've chosen to use.

Communication

We'll send you important account notifications, security alerts, and updates about new features that might interest you. You control which communications you receive through your account preferences.

Security and Fraud Prevention

We monitor account activity to detect unusual patterns that might indicate unauthorized access. This includes tracking login locations and flagging suspicious behavior to protect your financial information.

Product Development

Usage patterns help us understand which budgeting tools work best and where we can improve. We analyze this data in aggregate form to develop new features and enhance existing ones.

Protecting your financial information requires robust security measures and careful data handling practices.

Encryption Standards

All financial data is encrypted both in transit and at rest using industry-standard AES-256 encryption. Your information travels securely between your device and our servers, and remains encrypted in our databases.

Access Controls

Only authorized SmartSpulse team members can access user data, and only when necessary for technical support or security purposes. All access is logged and monitored.

Data Centers

We store data in secure facilities with multiple layers of physical and digital protection. Our servers are regularly updated with security patches and monitored 24/7 for potential threats.

Backup and Recovery

Regular encrypted backups ensure your data remains safe even in unlikely emergency scenarios. These backups follow the same security standards as our primary systems.

SmartSpulse integrates with certain third-party services to enhance your budgeting experience. We're selective about these partnerships and maintain strict data protection standards.

Bank Connections

When you choose to connect bank accounts, we use secure, read-only connections through established financial data providers. These connections allow transaction importing but never provide access to move money or change account settings.

Analytics Services

We use privacy-focused analytics tools to understand how people use SmartSpulse. These services receive only aggregated, anonymized data about user behavior - never personal or financial information.

Customer Support Tools

Our support team uses secure platforms to help resolve account issues. These tools may access basic account information but are bound by strict confidentiality agreements.

We never sell your data to third parties or allow external companies to use your information for their own marketing purposes.

As a service operating in South Korea, SmartSpulse complies with the Personal Information Protection Act (PIPA) and related data protection regulations.

Local Data Processing

We process South Korean user data according to PIPA requirements, including proper consent mechanisms and data retention limits. Users have specific rights under Korean privacy law that we fully respect.

Cross-Border Data Transfers

When necessary for service delivery, we may transfer data internationally using appropriate safeguards. These transfers comply with Korean regulations and maintain equivalent protection standards.

Government Requests

We respond to lawful government requests for user information only when legally required. We review each request carefully and provide only the minimum information necessary to comply with valid legal demands.

Data Protection Officer

SmartSpulse maintains a dedicated privacy contact for Korean users who can address specific concerns about data processing or privacy rights under local law.

We keep your information only as long as necessary to provide services and comply with legal requirements.

Active Account Data

While your account remains active, we retain your budgeting data to provide ongoing service. You can delete specific transactions or categories anytime through your account settings.

Closed Account Handling

When you close your account, we begin immediate deletion of your personal and financial data. Most information is removed within 30 days, though some records may be retained longer for legal compliance.

Legal Retention Requirements

Certain financial records must be kept for specific periods under Korean banking and anti-money laundering regulations. These retention periods typically range from 3-7 years depending on the type of information.

Backup Data Removal

Deleted data is also removed from backup systems during regular maintenance cycles, typically within 90 days of the initial deletion request.