Privacy Policy

1. Introduction & Overview

Finance Scorecard provides a comprehensive personal finance tracking and benchmarking service that helps you understand your financial position relative to regional households. We are committed to protecting your privacy and being transparent about how we collect, use, and share your information.

This Privacy Policy explains our practices regarding your personal and financial information. By using our service, you agree to the collection and use of information in accordance with this policy.

If you have any questions about this Privacy Policy, please contact us at finance.scorecard@gmail.com

2. Information We Collect

2.1 Personal Information

• Account Information: Email address (required), full name (optional)
• Authentication Data: Account credentials, login timestamps
• Profile Data: User preferences, account settings

2.2 Financial Information

To provide accurate financial scorecards and benchmarks, we collect comprehensive financial information including:

• Demographics: Age, number of dependents, dual income status, region
• Income Data: Monthly take-home pay, monthly expenses, side income amounts
• Assets: Cash savings, investment accounts, retirement accounts, property values, other assets
• Liabilities: Mortgages, credit card debt, student loans, other debts
• Career Information: Career stage, job security level, industry type, income growth projections
• Insurance Data: Life insurance coverage, disability insurance, health insurance details
• Financial Goals: Retirement targets, education savings goals, down payment objectives
• Investment Details: Asset allocation percentages, investment preferences

2.3 Usage and Technical Information

• Analytics Data: Page views, user interactions, session duration through Google Analytics
• Device Information: Browser type, operating system, IP address
• Cookies and Tracking: Google AdSense cookies, analytics cookies
• Performance Data: Site usage patterns, feature utilization

3. How We Use Your Information

3.1 Primary Service Functions

• Generate personalized financial scorecards and benchmarks
• Provide historical tracking and progress monitoring
• Calculate net worth percentiles and regional comparisons
• Deliver actionable financial recommendations

3.2 Marketing and Communication

• Email Marketing: Product updates, financial tips, feature announcements
• Targeted Advertising: Personalized ads based on financial profile and goals
• Content Personalization: Customized guides and recommendations
• Marketing Analytics: Campaign effectiveness, user engagement metrics

3.3 Business Operations

• Account management and customer support
• Service improvement and feature development
• Security monitoring and fraud prevention
• Legal compliance and regulatory requirements

4. Information Sharing and Disclosure

4.1 Third-Party Service Providers

• Google Services: Analytics (GA4), AdSense advertising, Google Fonts
• Supabase: Database hosting and authentication services
• Infrastructure Providers: Hosting, CDN, and technical services

4.2 Marketing and Referral Partners

• Financial Service Partners: Banks, investment platforms, insurance providers for relevant referrals
• Marketing Partners: Advertising networks, email marketing services, social media platforms
• Data Sharing Scope: May include financial profile data to match relevant products and services
• Aggregated Data: Non-personally identifiable insights and trends with business partners

4.3 Legal and Safety Requirements

• Compliance with legal obligations and court orders
• Protection of rights, property, and safety
• Business transfers (mergers, acquisitions)

5. Data Security and Protection

We implement comprehensive security measures to protect your sensitive financial information:

• Row Level Security (RLS): Database-level access controls
• Encryption: Data transmission and storage encryption
• Access Controls: User data isolation, authentication requirements
• Security Headers: Content Security Policy (CSP), HTTPS enforcement
• Regular Monitoring: Security assessments and vulnerability management

6. Data Retention and Deletion

• Retention Period: Data retained until user requests account deletion
• Account Deletion Process: Contact us at finance.scorecard@gmail.com for permanent data removal
• Backup Retention: Data may remain in backup systems for up to 90 days after deletion
• Legal Hold Exceptions: Some data may be retained longer for compliance purposes

7. Your Privacy Rights and Choices

7.1 Access and Control

• View and download your personal and financial data
• Update or correct inaccurate information
• Delete specific financial entries or entire account

7.2 Marketing Preferences

• Opt-out of marketing emails
• Advertising preference controls
• Cookie management options

7.3 Data Portability

• Export your financial data in standard formats
• Transfer data to other financial tracking services

8. Cookies and Tracking Technologies

We use various cookies and tracking technologies:

• Essential Cookies: Authentication, security, basic functionality
• Analytics Cookies: Google Analytics for usage insights
• Advertising Cookies: Google AdSense for relevant ads
• Third-Party Cookies: Social media, marketing partners

You can manage cookie preferences through your browser settings or our cookie consent banner.

9. International Data Transfers

Your data may be processed and stored in various locations globally through our service providers. We ensure appropriate safeguards are in place for international data transfers in compliance with applicable privacy frameworks including GDPR and Australian Privacy Principles.

10. Children's Privacy

Our service is intended for adults aged 18 and over. We do not knowingly collect personal information from children under 18. If you become aware that a child has provided us with personal information, please contact us and we will take steps to remove such information.

11. Changes to Privacy Policy

We may update this Privacy Policy from time to time. We will notify you of any material changes by posting the new Privacy Policy on this page and updating the "Last Updated" date. For significant changes, we may also send you an email notification.

12. Regional Privacy Rights

Australian Privacy Principles

Australian residents have rights under the Privacy Act 1988, including the right to access, correct, and request deletion of personal information.

GDPR Rights (EU Residents)

EU residents have additional rights under GDPR including data portability, right to be forgotten, and the right to object to processing.

CCPA Rights (California Residents)

California residents have rights under CCPA including the right to know what personal information is collected and the right to opt-out of the sale of personal information.

13. Contact Information

If you have any questions about this Privacy Policy or our privacy practices, please contact us: