When you use our AI budgeting platform, we collect different types of information to provide you with accurate financial insights and forecasting.

Financial Data You Provide: This includes your income, expenses, budget categories, financial goals, and transaction histories you choose to import. We only access what you explicitly share with our system.

Account Information: Your name, email address, company details (if applicable), and authentication credentials. We need this to create your secure account and communicate important updates.

Usage Analytics: We track how you interact with our platform – which features you use most, where you spend time, and what forecasting models work best for your situation. This helps us improve our AI algorithms.

Technical Information: Your IP address, browser type, device information, and session data. This is standard for any web service and helps us maintain security and performance.

Everything we collect serves a specific purpose in making your financial planning more effective and secure.

• Generate personalized budget recommendations based on your spending patterns
• Create accurate financial forecasts using our AI modeling systems
• Send you account notifications, security alerts, and service updates
• Improve our algorithms by analyzing anonymized usage patterns
• Ensure platform security and prevent unauthorized access
• Provide customer support when you need assistance
• Comply with financial regulations and legal requirements

Protecting your financial information is our top priority. We use multiple layers of security to keep your data safe.

Encryption: All data transmission uses TLS 1.3 encryption. Your financial information is encrypted both in transit and at rest using AES-256 encryption standards.

Access Controls: Only authorized personnel can access user data, and all access is logged and monitored. We use multi-factor authentication and role-based permissions.

Infrastructure Security: Our servers are hosted in secure facilities with 24/7 monitoring, regular security audits, and automatic backup systems.

Regular Testing: We conduct quarterly penetration testing and security assessments to identify and address potential vulnerabilities.

As a regulated financial service provider (BaFin-ID: 10135942), we maintain compliance with European banking security standards and undergo regular regulatory audits.

Under European data protection laws, you have several rights regarding your personal information. Here's what you can do and how to exercise these rights.

Access Your Data: Request a complete copy of all personal information we hold about you. We'll provide this within 30 days in a readable format.

Correct Inaccuracies: Update or correct any personal information that's incomplete or inaccurate through your account settings or by contacting us directly.

Delete Your Account: Request complete deletion of your account and associated data. Note that we may retain some information for legal compliance purposes.

Data Portability: Export your financial data in a standard format to transfer to another service provider if you choose to leave our platform.

Restrict Processing: Limit how we use your information in certain circumstances, such as when you're disputing data accuracy.

We share your information only when necessary to provide our services or when legally required. Here's exactly who might access your data and why.

Service Partners: We work with trusted technology providers for cloud hosting, email delivery, and security monitoring. These partners can only access data necessary for their specific functions and are bound by strict confidentiality agreements.

Financial Institutions: With your explicit consent, we may connect to your banks or financial institutions to import transaction data for budget analysis. This uses secure, read-only connections.

Legal Requirements: We may disclose information when required by law, regulatory authorities, or to protect our legal rights. We'll notify you of such requests unless legally prohibited.

Business Transfers: If CamGestion S.A. is acquired or merged, your data may transfer to the new owner. You'll be notified of any such changes with options to delete your account if desired.

We never sell your personal information for marketing purposes or share it with advertisers. Your financial data stays within the circle of trust necessary to deliver our services.

We keep your information only as long as necessary to provide our services and meet legal obligations. Here's our retention schedule.

Active Accounts: While your account is active, we retain all data necessary to provide budgeting and forecasting services.

Inactive Accounts: If you don't log in for 24 months, we'll send email reminders before archiving your account. Archived accounts are deleted after an additional 12 months.

After Account Deletion: Most personal data is deleted within 30 days of account closure. Some information may be retained longer for legal compliance, typically 7 years for financial records as required by banking regulations.

Anonymized Data: We may retain anonymized usage statistics indefinitely to improve our services, but this data cannot be traced back to you individually.

You can request immediate data deletion at any time by contacting our support team. We'll confirm completion of the deletion process within 30 days.

Our primary servers are located in European Union data centers to ensure full GDPR compliance. However, some of our service providers may process data in other countries.

EU Standards: When data is transferred outside the EU, we ensure adequate protection through Standard Contractual Clauses approved by the European Commission.

Data Localization: Your core financial data and AI models remain within EU borders. Only non-sensitive operational data may be processed by international partners.

Privacy Shield: We work only with service providers who maintain equivalent data protection standards, including Privacy Shield certified companies where applicable.

If you have concerns about international data transfers, you can request information about specific data locations by contacting our privacy team.

We use cookies and similar technologies to improve your experience and analyze platform performance. You have control over most of these technologies.

Essential Cookies: These keep you logged in and maintain your security settings. These cannot be disabled as they're necessary for the platform to function.

Analytics Cookies: Help us understand how you use our platform so we can improve features and performance. You can opt out of these through your browser or account settings.

Preference Cookies: Remember your display settings, language choices, and customization preferences to personalize your experience.

Third-party Cookies: We use minimal third-party cookies, primarily for security monitoring and performance optimization. These are subject to the privacy policies of their respective providers.

You can manage cookie preferences through your browser settings or our cookie preference center available in your account dashboard.