Privacy Policy

1. Information We Collect

We collect information that you provide directly to us, including:

• Account information (name, email address, phone number)
• Financial asset details (bank accounts, investments, insurance policies, property information)
• Trusted family member information and access permissions
• Transaction records and payment reminders
• Device information and usage data

2. How We Use Your Information

We use the information we collect to:

• Provide, maintain, and improve our financial asset management services
• Track and manage your investments, bank accounts, insurance, and property
• Send you smart alerts about payment due dates and policy renewals
• Generate comprehensive financial reports in PDF, Excel, and CSV formats
• Facilitate secure family member access with permission controls
• Communicate with you about our services
• Monitor and analyze trends and usage
• Detect, prevent, and address fraud and security issues with bank-level encryption

3. Information Sharing

We do not sell your personal or financial information. We may share your information only in the following circumstances:

• With trusted family members you explicitly authorize with specific permission levels
• With service providers who assist in operating our platform under strict confidentiality agreements
• When required by law or to protect our rights
• With your consent or at your direction

4. Data Security

We implement bank-level, military-grade security measures to protect your financial information against unauthorized access, alteration, disclosure, or destruction. This includes AES-256 encryption, secure cloud infrastructure, multi-factor authentication, and regular security audits. Your sensitive financial data is encrypted both in transit and at rest.

5. Financial Data Protection

Your financial asset information is stored with the highest level of security. We never store your banking passwords or PINs. All account numbers and sensitive data are encrypted and can only be accessed by you and authorized family members. We comply with financial data protection regulations including PCI DSS standards.

6. Data Retention

We retain your personal information for as long as necessary to provide our services and comply with legal obligations. You can request deletion of your account and associated data at any time.

7. Your Rights

You have the right to:

• Access and update your personal information
• Request deletion of your data
• Opt-out of marketing communications
• Control location and notification permissions

8. Children's Privacy

Unclaimed Diary is not intended for users under the age of 13. We do not knowingly collect personal information from children under 13. If we become aware that a child under 13 has provided us with personal information, we will take steps to delete such information.

9. Changes to Privacy Policy

We may update this Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on this page and updating the "Last updated" date.

10. Contact Us

If you have any questions about this Privacy Policy or how we protect your financial data, please contact us through the app or email us at privacy@udiary.app.