Privacy Policy

1. Introduction

Cofila ("we," "our," or "us") respects your privacy and is committed to protecting your personal and financial information. This Privacy Policy explains how we collect, use, and safeguard your data when you use our financial planning service.

2. Information We Collect

2.1 Account Information

• Email address
• Name (optional)
• Profile information

2.2 Financial Data

• Transactions and expenses
• Budget information
• Debt and loan details
• Savings goals and progress
• Financial documents and receipts

2.3 Usage Data

• Log files and device information
• Usage patterns and preferences
• Session data

3. How We Use Your Information

We use your information to:

• Provide and maintain our financial planning services
• Process and store your financial data
• Generate reports and insights about your finances
• Send authentication emails and important notifications
• Improve our services and user experience
• Respond to your inquiries and support requests

4. Data Sharing

4.1 Couple Account Sharing

When you link your account with a partner, your financial data is shared between both accounts. Both partners have equal access to view, edit, and manage shared financial information.

4.2 Service Providers

We may share data with third-party service providers who assist us in operating our service (e.g., hosting services, email providers). These providers are contractually obligated to protect your data.

4.3 Legal Requirements

We may disclose your information if required to do so by law or in response to valid legal requests.

4.4 No Sale of Data

We do not sell your personal or financial data to third parties for marketing purposes.

5. Data Security

We implement industry-standard security measures to protect your data:

• Secure HTTPS/TLS encryption for data transmission
• Encrypted storage for sensitive information
• Secure authentication sessions
• Regular security assessments

However, no method of transmission over the internet is 100% secure. While we strive to protect your data, we cannot guarantee absolute security.

6. Data Retention

We retain your data for as long as your account is active. When you delete your account, your data will be permanently deleted within a reasonable timeframe, except where we are required by law to retain certain information.

7. Your Rights

You have the right to:

• Access your personal data
• Correct inaccurate data
• Delete your account and associated data
• Opt-out of non-essential communications
• Export your data

8. Cookies and Tracking

We use cookies and similar technologies to maintain your session, remember your preferences, and analyze usage patterns. You can manage cookie settings through your browser.

9. Children's Privacy

Cofila is not intended for children under the age of 18. We do not knowingly collect information from children. If you are a parent or guardian and believe your child has provided us with personal information, please contact us.

10. Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of any changes by posting the new policy on this page and updating the "Last updated" date.

11. Contact Us

If you have questions or concerns about this Privacy Policy or our data practices, please contact us through our support channels.