Your privacy is our priority. We protect your data and never sell your information.
Last Updated: January 20, 2025
We Never Sell Your Data
Your financial information is never sold to third parties
Bank-Level Encryption
256-bit encryption protects all your data
You Control Your Data
Delete your account and data anytime
1. Information We Collect
To provide Our JuniFin services, we collect the following types of information:
Account Information: Email address, password (encrypted), and household details
Financial Data: Bank account connections, transactions, budgets, and financial goals
Usage Data: How you interact with our application to improve our services
Device Information: Browser type, IP address, and device identifiers for security purposes
2. How We Use Your Information
We use your information solely to provide and improve our services:
To sync and categorize your financial transactions
To provide budgeting insights and financial recommendations
To send you important account notifications and security alerts
To detect and prevent fraud or security breaches
To improve our application features and user experience
We NEVER Sell Your Data
Your financial information is private and confidential. We do not sell, rent, or share your personal or financial data with advertisers, data brokers, or any third parties for marketing purposes. Your data is yours alone.
3. Data Sharing and Disclosure
We only share your information in these limited circumstances:
With Your Consent: When you explicitly authorize us to share information with household members
Service Providers: Trusted partners like Plaid for secure bank connections (they never see your credentials)
Legal Requirements: When required by law, subpoena, or to protect our legal rights
Business Transfers: In the event of a merger or acquisition (with the same privacy protections)
4. Data Security
We implement industry-leading security measures to protect your data:
256-bit AES encryption for data at rest
TLS/SSL encryption for data in transit
Regular security audits and penetration testing
Multi-factor authentication options
CSRF protection on all state-changing operations
Automatic session timeout after inactivity
5. Your Privacy Rights
You have complete control over your data:
Access: Request a copy of all data we have about you
Correction: Update or correct any inaccurate information
Deletion: Delete your account and all associated data at any time
Export: Download your financial data in CSV or Excel format
Opt-Out: Unsubscribe from marketing emails (though we send very few)
6. Data Retention
We retain your data only as long as necessary:
Active account data is retained while your account is active
Deleted accounts are permanently removed within 30 days
Backup copies are purged within 90 days of account deletion
Legal or regulatory requirements may require longer retention periods
7. Cookies and Tracking
We use minimal cookies for essential functions:
Session cookies to keep you logged in securely
CSRF tokens to prevent cross-site attacks
Preference cookies to remember your settings
We do not use advertising or third-party tracking cookies
8. Children's Privacy
Our JuniFin is not intended for children under 18. We do not knowingly collect information from children. If you believe we have inadvertently collected data from a child, please contact us immediately.
9. Changes to This Policy
We may update this privacy policy from time to time. We will notify you of any material changes via email or through the application. Your continued use of Our JuniFin after changes indicates your acceptance of the updated policy.
10. Contact Us
If you have questions about this privacy policy or your data: