Privacy Policy

1. Introduction

Welcome to ProsperStream ("we," "our," or "us"). We are committed to protecting your personal information and your right to privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our budgeting application and related services (collectively, the "Service"). Please read this policy carefully. If you disagree with its terms, please discontinue use of the Service.

2. Information We Collect

We collect information you provide directly to us, including:

• Account Information: Your email address and account credentials when you register.
• Financial Data: Income amounts, expense records, transaction titles, categories, and notes that you voluntarily enter into the Service.
• Usage Data: Information about how you interact with the Service, including pages visited and features used, for the purpose of improving the application.

We do not collect your bank account numbers, credit card information, Social Security numbers, or connect to any financial institutions.

3. How We Use Your Information

We use the information we collect to:

• Provide, operate, and maintain the Service.
• Create and manage your user account.
• Display your personal financial data back to you within your private account.
• Send transactional emails such as account verification and password resets.
• Improve and develop new features for the Service.
• Comply with legal obligations.

We do not sell, rent, trade, or otherwise transfer your personal information to third parties for marketing purposes.

4. Data Isolation & Security

Each user's financial data is strictly isolated. Row-level security controls ensure that you can only access your own records — no other user can view, modify, or delete your data. We implement industry-standard technical and organizational measures to protect your information against unauthorized access, alteration, disclosure, or destruction. However, no method of transmission over the Internet or electronic storage is 100% secure, and we cannot guarantee absolute security.

5. Data Retention

We retain your account and financial data for as long as your account is active. If you request deletion of your account, we will delete or anonymize your personal information within a reasonable period, unless we are required to retain it for legal or regulatory purposes.

6. Third-Party Services

ProsperStream is built on a third-party application platform. Our platform provider may have access to certain technical data necessary to operate the infrastructure. Such providers are bound by contractual obligations to keep your information confidential and are prohibited from using it for any other purpose. We do not integrate with third-party advertisers or analytics platforms that track your personal behavior across other websites.

7. Your Rights

Depending on your location, you may have the right to:

• Access the personal data we hold about you.
• Request correction of inaccurate data.
• Request deletion of your account and associated data.
• Object to or restrict certain processing of your data.
• Data portability (receive a copy of your data in a portable format).

To exercise any of these rights, please contact us using the information in Section 10.

8. Children's Privacy

The Service is not directed to individuals under the age of 13. We do not knowingly collect personal information from children under 13. If you become aware that a child has provided us with personal information, please contact us and we will take steps to delete such information.

9. Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of any material changes by updating the "Last updated" date at the top of this page. Your continued use of the Service after any changes constitutes your acceptance of the new policy.

10. Contact Us

If you have any questions or concerns about this Privacy Policy or our data practices, please contact us through the ProsperStream application. We will respond to all legitimate requests within a reasonable timeframe.