Privacy Policy

1. Introduction

TECHGUARDIAN (hereinafter "we", "our" or "us") is committed to protecting the privacy of Family Budget application users. This privacy policy explains how we collect, use, store and protect your personal data in accordance with the General Data Protection Regulation (GDPR) and the French Data Protection Act.

2. Data Controller

• Company name : TECHGUARDIAN
• SIRET : 993 066 315 00017
• Address : 60 rue François Ier, 75008 Paris, France
• Email : contact@homoney.app

3. Data Collected

We collect the following categories of data:

3.1 Identification Data

• Email address
• Display name (optional)

3.2 Household Data

• Household name
• Housing type (owner/tenant)
• Household composition (number of adults and children)
• First names of household members
• Preferred currency

3.3 Financial Data

• Declared income
• Recorded expenses
• Budget categories
• Savings goals
• Bank name (for statement import)

3.4 Technical Data

• Unique user identifier
• Account creation date
• Last login date
• Usage statistics (number of transactions)

3.5 Payment Data

Payments are managed by our provider Stripe. We do not store any credit card data. Only the Stripe customer ID and subscription status are retained.

4. Processing Purposes

Your data is used to:

• Create and manage your user account
• Provide budget management features
• Enable budget sharing between household members
• Manage subscriptions and payments
• Improve the application and fix bugs
• Send important notifications about your account
• Respond to your support requests

5. Legal Basis

• Contract execution : Processing is necessary for the performance of the service you have subscribed to.
• Legitimate interest : Improving the application and preventing fraud.
• Legal obligation : Retention of billing data.

6. Data Storage and Security

6.1 Location

Your data is stored on Google Cloud Platform (Firebase) servers, located in the European Union (Belgium).

6.2 Security Measures

• Data encryption in transit (TLS/SSL)
• Data encryption at rest
• Secure authentication (Firebase Authentication)
• Strict Firestore security rules
• Data isolation by user and household
• No plain text password storage

7. Data Retention

• Account data : Retained as long as the account is active, then deleted within 30 days after account deletion.
• Financial data : Retained during the subscription period and up to 3 years after for legal obligations.
• Billing data : Retained for 10 years in accordance with accounting obligations.

8. Data Sharing

Your data may be shared with:

• Your household members : Budget data is shared with members you invite.
• Stripe : For payment processing (Stripe Privacy Policy).
• Google/Firebase : For hosting and authentication (Firebase Privacy Policy).

We never sell your personal data to third parties.

9. Your Rights

Under the GDPR, you have the following rights:

• Right of access : Obtain a copy of your personal data.
• Right to rectification : Correct inaccurate data.
• Right to erasure : Request deletion of your data.
• Right to portability : Receive your data in a structured format.
• Right to object : Object to the processing of your data.
• Right to restriction : Request restriction of processing.

To exercise these rights, contact us at:contact@homoney.app

You can also file a complaint with the CNIL:www.cnil.fr

10. Cookies

The Family Budget application only uses essential technical cookies for service operation (authentication, preferences). No advertising or third-party tracking cookies are used.

11. Changes

We reserve the right to modify this privacy policy at any time. Significant changes will be notified by email or via the application. The last update date is indicated at the bottom of this page.

12. Contact

For any questions regarding this privacy policy or your personal data, contact us at:

Email : contact@homoney.app

Address : TECHGUARDIAN, 60 rue François Ier, 75008 Paris, France