Privacy Policy

We collect information that you provide to us, information generated through your use of the Service, and limited technical information needed to operate and secure EmerWorth. This may include:

Account information. When you create an account, we collect information such as your name and email address. We also store your password in a securely hashed form and do not have access to your original password.

Budget data. We store the information you enter into the Service, which may include income, expenses, categories, planned amounts, budget settings, and other information associated with your Budget Spaces.

Budget Space information. When you create or participate in a Budget Space, we process information about the Budget Space's members, their assigned roles, and information entered or modified within the Budget Space.

Invitations. When you invite someone to a Budget Space, we process the email address you provide and information necessary to create, manage, and deliver the invitation.

Subscription and payment information. Payments for subscriptions are processed by Stripe, which acts as the merchant of record for those purchases. We do not store your full payment card details. We may receive and store limited information related to your subscription and payment status, such as Stripe customer and subscription identifiers, your selected plan, subscription status, and billing-related dates. Stripe may also process billing address and tax-related information as needed to calculate, collect, and remit applicable taxes.

Technical information. We may collect technical information generated when you use the Service, such as your IP address, browser and device information, request and security logs, and information collected through cookies or similar technologies necessary to operate, secure, and maintain the Service.

We use the information we collect to:

• Provide, operate, maintain, and improve the Service.
• Create and manage your account and authenticate your access to the Service.
• Store, process, and display your Budget Space information.
• Enable Budget Space collaboration and manage invitations, memberships, and roles.
• Process and manage subscriptions and related billing.
• Send account-related, security, billing, and invitation emails.
• Monitor, troubleshoot, and protect the security, reliability, and performance of the Service.
• Respond to support requests and communicate with you about the Service.
• Comply with applicable legal and regulatory obligations.

We do not sell your personal information. We share personal information only as necessary to provide, operate, secure, and support the Service, including with:

• Stripe, to process payments, act as merchant of record for subscription purchases, calculate, collect, and remit applicable taxes, and manage subscriptions.
• Email service providers, to deliver account, security, billing, and invitation emails.
• Other members of Budget Spaces, when you create, join, or participate in a Budget Space. Information entered into a Budget Space may be visible to other members according to their assigned roles.
• Service providers, such as hosting, infrastructure, and other technology providers that help us operate and secure the Service.
• Legal authorities or other parties when required by law, or when reasonably necessary to comply with legal obligations, protect the security or integrity of the Service, or protect the rights and safety of EmerWorth, its users, or others.

We use service providers that are expected to handle personal information in accordance with applicable privacy and data protection requirements and for the purposes of providing their services to us.

Your personal information may be processed or stored in countries other than the country where you live, including countries where our service providers operate. Privacy and data protection laws in those countries may differ from those in your jurisdiction.

Where required by applicable law, we take appropriate measures to protect personal information that is processed or transferred across borders.

We use cookies and similar technologies that are necessary to operate, secure, and provide the Service. These may be used to keep you signed in, protect against security threats and unauthorized requests, remember certain preferences, and support other essential functionality.

We do not currently use cookies for targeted advertising. If we introduce analytics, advertising, or other non-essential tracking technologies in the future, we will update this Privacy Policy and provide any choices or consent mechanisms required by applicable law.

We retain your personal information for as long as reasonably necessary to provide the Service, maintain your account, comply with legal obligations, resolve disputes, and protect the security and integrity of the Service.

When your subscription or free trial ends, Budget Spaces you own will become paused. Existing budget data remains stored and available for viewing by authorized members, subject to applicable retention policies. Subscription expiration alone does not cause your Budget Space data to be deleted.

When you delete your account, Budget Spaces that you own and all data associated with them are deleted from the active Service for all members, subject to the limited retention exceptions described below.

If you are an Editor or Viewer of a Budget Space owned by another user, deleting your account will remove your membership but will not delete that Budget Space or the budget data you previously contributed to it. Your account will no longer be associated with those contributions after deletion.

Certain information may be retained where reasonably necessary for legal, security, fraud prevention, billing, or record-keeping purposes. Some information may also remain temporarily in backups or system records until those records are deleted or overwritten through our normal retention processes.

We use reasonable technical and organizational measures designed to protect personal information against unauthorized access, use, alteration, disclosure, or loss.

However, no method of transmitting or storing information is completely secure, and we cannot guarantee the absolute security of your information.

The Service is not intended for children under the age of 13, and we do not knowingly collect personal information from children under 13.

If we learn that we have collected personal information from a child under 13, we will take reasonable steps to delete it, subject to applicable law. If you believe a child under 13 has provided us with personal information, please contact us at support@emerworth.com.

Users who are under the age of majority where they live may use the Service only with the permission of a parent or legal guardian.

You may update certain account information through the Service, manage your subscription through the available billing tools, and delete your account through the Service at any time. Account deletion will delete Budget Spaces you own and their associated data from the active Service, subject to the limited retention exceptions described in the Data Retention section above.

Depending on where you live, you may have additional rights regarding your personal information, including the right to request access to, correction of, or deletion of your personal information, subject to applicable law.

To make a privacy-related request or ask questions about your personal information, contact us at support@emerworth.com. We may need to verify your identity before completing certain requests.

We may update this Privacy Policy from time to time to reflect changes to the Service, our privacy practices, or applicable legal requirements. When we do, we will update the "Last updated" date on this page.

If we make material changes to how we collect, use, or share your personal information, we will provide notice as required by applicable law.

If you have questions about this Privacy Policy, our privacy practices, or how we handle your personal information, or if you wish to make a privacy-related request, you can contact us at support@emerworth.com.