Privacy Policy

This Privacy Policy explains how Green Spinach Inc collects, uses, shares, and protects personal information when you use Save Buddy websites, apps, communities, and related services. By using the service, you consent to this Policy.

1. Who controls your data

   Green Spinach Inc is the controller of your personal information. You can contact us at contact@savebuddy.app or by mail at Green Spinach Inc.

2. Information we collect

   We collect the categories of information listed below. The exact data depends on how you use the service.

   1. Identifiers such as name, email address, phone number, and device identifiers.
   2. Profile details such as age range, general location, and preferences.
   3. Financial information that you enter, such as income, expenses, budgets, savings goals, and planned contributions. If you connect a bank or brokerage account through a data aggregator, we may receive read only information such as account name, masked account numbers, balances, and transaction history.
   4. Community and communications content, including messages you send to us or post in Save Buddy groups or webinars.
   5. Usage data such as pages viewed, features used, referral source, and the time and duration of sessions.
   6. Device and network data such as browser type, app version, operating system, and internet protocol address.
   7. Incentive and partner information such as eligibility, redemptions, and verification of qualifying activity.
   8. Support records and feedback.

   We do not ask you to provide medical records. If you choose to engage a mental health or wellness partner, your relationship with that partner is independent and governed by that partner’s privacy policy. Save Buddy does not receive your clinical notes or therapy records from such partners.

3. Sources of information

   1. Directly from you when you create an account, complete forms, connect accounts, or communicate with us.
   2. Automatically through your device and use of the service via cookies or similar technologies.
   3. From service providers and partners who support identity verification, analytics, fraud prevention, customer support, incentives, or financial data connections.
   4. From publicly available sources where permitted by law.

4. How we use information

   We use personal information for the purposes below.

   1. Provide, maintain, and improve the service.
   2. Help you plan savings, understand cash flow, and evaluate options.
   3. Suggest financial products that may suit your goals.
   4. Operate communities, events, and incentives.
   5. Communicate with you about your account, new features, and opportunities.
   6. Personalize content and measure performance.
   7. Detect, investigate, and prevent fraud and abuse.
   8. Comply with law, regulations, and contractual obligations.
   9. Perform research and analytics to improve user experience and outcomes.

5. How we share information

   We share information as described below. We do not sell your personal information as that term is defined under California privacy law.

   1. Service providers that process information for us under written agreements, including hosting, analytics, customer support, marketing tools, and payment or incentive fulfillment.
   2. Financial data aggregators and institutions when you ask us to connect or verify an account.
   3. Wellness and mental health partners when you choose to redeem an incentive or otherwise engage with them.
   4. Business partners in connection with joint programs for employers or educational institutions.
   5. Legal and safety recipients when required by law or to protect rights, safety, and the integrity of the service.
   6. Corporate transactions such as mergers, acquisitions, financing, or sale of assets, subject to standard confidentiality protections.

6. Cookies and similar technologies

   We and our providers use cookies and similar technologies to run the site, remember preferences, analyze traffic, and measure campaigns. You can adjust cookie settings in your browser. If you block cookies, some features may not work properly.

7. Your choices

   1. Marketing communications. You can opt out of non essential emails by using the unsubscribe link or by contacting us. We may still send service messages.
   2. Financial account connections. You can disconnect an external account at any time in that provider’s settings.
   3. Access, correction, and deletion. You may request access to, correction of, or deletion of your personal information by emailing contact@savebuddy.app. We may require verification of your identity before processing a request.

8. California privacy disclosure

   If you are a resident of California, the California Consumer Privacy Act as amended by the California Privacy Rights Act provides specific rights.

   1. Right to know what categories of personal information we collect, use, and disclose.
   2. Right to access specific pieces of personal information, subject to verification and exceptions.
   3. Right to request deletion of personal information, subject to exceptions.
   4. Right to correct inaccurate information.
   5. Right to opt out of the sale or sharing of personal information for cross context behavioral advertising. We do not sell personal information and we do not share personal information for cross context behavioral advertising.
   6. Right to limit the use and disclosure of sensitive personal information. We use sensitive information only for permitted service purposes.
   7. Right to non discrimination for exercising any privacy right.

   To exercise your rights, email contact@savebuddy.app and include "California Request" in the subject line. Authorized agents may submit requests with proof of authorization.

9. Users in the European Economic Area, the United Kingdom, and Switzerland

   1. Legal bases. We process personal information to perform a contract with you, to pursue our legitimate interests in providing and improving the service, to comply with legal obligations, and with your consent where required.
   2. Transfers. We are based in the United States. When we transfer personal information from your region, we use appropriate safeguards such as standard contractual clauses where applicable.
   3. Your rights. You may have rights to access, rectify, erase, restrict, or object to processing, to data portability, and to withdraw consent. You may contact your local data protection authority if you have concerns.

10. Children’s privacy

    Save Buddy is intended for adults. We do not knowingly collect personal information from anyone under the age of eighteen. If you believe a minor has provided personal information, contact us so we can delete it.

11. Security

    We use administrative, technical, and physical safeguards designed to protect personal information. No method of transmission or storage is perfectly secure, and we cannot guarantee absolute security.

12. Data retention

    We retain personal information for as long as necessary for the purposes described in this Policy, to comply with legal obligations, to resolve disputes, and to enforce agreements. Retention periods vary by data category and context. When information is no longer needed, we will delete or de identify it.

13. International users

    Your information may be stored and processed in the United States and other countries where our service providers operate. These locations may have data protection laws that differ from those in your home country.

14. Changes to this Policy

    We may update this Policy from time to time. If we make material changes, we will post the updated Policy with a new date. Your continued use of the service after an update means you accept the changes.

15. Contact us

    If you have questions or complaints about privacy at Save Buddy, contact us at contact@savebuddy.app or by mail at Green Spinach Inc.