Privacy Policy

Introduction

Welcome to Tucope. We are committed to protecting your privacy and ensuring the security of your personal and financial information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our mobile application and services.

By using Tucope, you agree to the collection and use of information in accordance with this policy. If you do not agree with our policies and practices, please do not use our services.

Information We Collect

Personal Information

We may collect the following personal information:

• Name and contact information (email address, phone number)
• Account credentials (username, password)
• Profile information (profile picture, preferences)
• Device information (device type, operating system, unique device identifiers)

Financial Information

To provide our core services, we collect:

• Transaction data (amount, date, merchant, category)
• Account balance information
• Spending patterns and financial behavior
• Budget and savings goal information
• Receipt images (when you choose to upload them)

Usage Information

We automatically collect certain information about how you use Tucope:

• App usage statistics and feature interactions
• Log data (IP address, browser type, access times)
• Analytics data to improve our services
• Crash reports and performance data

How We Use Your Information

We use the collected information for the following purposes:

• Provide Core Services: Track expenses, categorize transactions, generate insights, and provide AI-powered financial recommendations
• Personalization: Customize your experience based on your spending patterns and preferences
• Communication: Send you important updates, notifications about unusual spending, and budget alerts
• Improvement: Analyze usage patterns to improve our app features and user experience
• Security: Detect and prevent fraud, unauthorized access, and other security issues
• Compliance: Comply with legal obligations and enforce our terms of service
• AI Training: Improve our AI models to provide better financial insights (using anonymized and aggregated data only)

Data Security

We take the security of your financial data very seriously. We implement industry-standard security measures to protect your information:

• Encryption: All data is encrypted in transit using TLS 1.3 and at rest using AES-256 encryption
• Secure Storage: Financial data is stored in secure, compliance-certified data centers
• Access Controls: Strict access controls and authentication mechanisms protect your account
• Regular Audits: We conduct regular security audits and penetration testing
• No Storage of Banking Credentials: We never store your bank login credentials

However, no method of transmission over the internet or electronic storage is 100% secure. While we strive to use commercially acceptable means to protect your information, we cannot guarantee absolute security.

Data Sharing and Disclosure

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

• Service Providers: With trusted third-party service providers who assist in operating our app (cloud hosting, analytics, customer support)
• Banking Institutions: With financial institutions to facilitate account connections and transaction retrieval (with your explicit consent)
• Legal Requirements: When required by law, subpoena, or other legal process
• Business Transfers: In connection with a merger, acquisition, or sale of assets
• Protection of Rights: To protect our rights, privacy, safety, or property, and that of our users
• Aggregate Data: Anonymized and aggregated data may be shared for research or business purposes

Your Rights and Choices

You have the following rights regarding your personal information:

• Access: Request access to the personal information we hold about you
• Correction: Request correction of inaccurate or incomplete information
• Deletion: Request deletion of your personal information (subject to legal obligations)
• Export: Request a copy of your data in a portable format
• Opt-Out: Opt out of marketing communications at any time
• Withdraw Consent: Withdraw consent for data processing where consent is the legal basis

To exercise these rights, please contact us at support@roundbytes.com. We will respond to your request within 30 days.

Data Retention

We retain your personal information for as long as necessary to provide our services and fulfill the purposes outlined in this Privacy Policy. Specifically:

• Active account data is retained while your account is active
• Transaction history is retained for 7 years for tax and legal purposes
• After account deletion, most data is deleted within 90 days
• Some data may be retained longer if required by law or for legitimate business purposes
• Anonymized data may be retained indefinitely for analytics and AI training

Third-Party Services

Tucope integrates with third-party services to provide certain features:

• Banking Aggregation: We use secure third-party services to connect to your financial institutions
• Analytics: We use analytics services to understand app usage (Google Analytics, Mixpanel)
• Cloud Services: Data is stored on secure cloud infrastructure (AWS, Google Cloud)
• Payment Processing: For premium features, we use secure payment processors

These third-party services have their own privacy policies. We encourage you to review their policies. We are not responsible for the privacy practices of third-party services.

Children's Privacy

Tucope is not intended for children under the age of 13 (or the minimum age required in your jurisdiction). We do not knowingly collect personal information from children. If you are a parent or guardian and believe your child has provided us with personal information, please contact us immediately, and we will delete such information.

International Data Transfers

Your information may be transferred to and processed in countries other than your country of residence. These countries may have different data protection laws. By using Tucope, you consent to such transfers.

We ensure that appropriate safeguards are in place to protect your information in accordance with this Privacy Policy and applicable laws, including Standard Contractual Clauses approved by regulatory authorities.

California Privacy Rights

If you are a California resident, you have additional rights under the California Consumer Privacy Act (CCPA):

• Right to know what personal information is collected, used, shared, or sold
• Right to delete personal information held by us
• Right to opt-out of the sale of personal information (we do not sell personal information)
• Right to non-discrimination for exercising your CCPA rights

GDPR Rights (European Users)

If you are located in the European Economic Area (EEA), you have rights under the General Data Protection Regulation (GDPR):

• Right of access to your personal data
• Right to rectification of inaccurate data
• Right to erasure ("right to be forgotten")
• Right to restrict processing
• Right to data portability
• Right to object to processing
• Right to lodge a complaint with a supervisory authority

Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or for legal, operational, or regulatory reasons. When we make material changes, we will:

• Update the "Last updated" date at the top of this policy
• Notify you via email or in-app notification
• Request your consent if required by law

We encourage you to review this Privacy Policy periodically. Your continued use of Tucope after changes are posted constitutes your acceptance of the updated policy.

Contact Us

If you have any questions, concerns, or requests regarding this Privacy Policy or our data practices, please contact us:

Consent

By using Tucope, you acknowledge that you have read, understood, and agree to be bound by this Privacy Policy. If you do not agree with this policy, please discontinue use of our services immediately.