Privacy Policy
Last updated: 11/12/2025
At SpendSentinel, we understand that financial and emotional data is deeply personal. This privacy policy explains how we collect, use, protect, and respect your information while providing our AI-powered financial wellness tools.
Financial Information
- Expense data you categorize as "Living" vs "Lifestyle" expenses through our My Financial Decisions tool
- Emergency fund and financial planning data
- Self-reported financial behaviors and patterns
Emotional and Psychological Data
- IFS dialogue responses identifying your financial "firefighter" parts
- Self-compassion practice data and calm scores
- Emotional responses and coping mechanisms related to financial stress
- Trauma-informed coaching session data
- Panic button usage and grounding exercise participation
- Self-critical statement tracking over time
Technical Information
- Device information and browser type
- Usage patterns and interaction data with our AI tools
- Session duration and feature usage analytics
- Error logs and performance data
Analytics and Usage Data
- Anonymized user journey patterns and navigation flows (only when actively engaging with onboarding)
- Feature usage statistics (e.g., assessment type preferences, completion rates)
- Session duration and interaction timing (aggregated and anonymized)
- Temporary session identifiers for tracking complete user journeys (not linked to personal information)
Primary Purposes
- Provide personalized AI-driven financial therapy and coaching
- Generate insights about your financial "firefighter" parts using IFS methodology
- Track your emotional and financial wellness progress
- Deliver compassionate, trauma-informed financial guidance
- Customize self-compassion prompts and mindfulness exercises
AI Processing
- Our AI analyzes your input to provide personalized coaching responses
- Pattern recognition to identify financial behaviors and emotional triggers
- Generate supportive messaging aligned with your emotional state
- Assess communication strategies based on your personality type
Analytics and User Experience Improvement
- Analyze anonymized usage patterns to identify areas where users might struggle or succeed in our onboarding process
- Optimize the user interface and experience to be more intuitive and trauma-informed
- Understand which features are most valuable for users' financial wellness journey
- Ensure our application design remains accessible and non-triggering for all users
Privacy-First Analytics: We collect anonymized usage patterns to improve your experience while protecting your personal information and maintaining trauma-informed principles.
What We Track
- User Journey Patterns: How users navigate through our onboarding process (button clicks, page transitions, feature usage)
- Feature Engagement: Which assessment types users prefer (quick discovery vs. deep assessment)
- Completion Rates: Where users might struggle or succeed in our onboarding flow
- Session Duration: Time spent on different parts of the application (anonymized and aggregated)
What We DO NOT Track
- Personal Content: We never track your journal entries, assessment responses, or personal financial details
- Individual Behavior: All analytics are aggregated and anonymized - we analyze patterns, not individuals
- Personal Identifiers: We use temporary session IDs, not personal information, to track user journeys
- Sensitive Financial Data: Only general category information (e.g., "living expenses") is tracked, never specific amounts or descriptions
How We Use Analytics
- Improve User Experience: Identify where users might get stuck or confused in our onboarding process
- Feature Development: Understand which features are most helpful for users' financial wellness journey
- Optimize Flow: Make the onboarding experience more intuitive and less overwhelming
- Trauma-Informed Design: Ensure our application feels safe and non-triggering for all users
Your Control Over Analytics
Automatic & Consensual: Analytics tracking only begins when you actively engage with our onboarding flow by clicking "Explore my financial parts." You can opt out of analytics through your browser settings or by contacting us directly. The application will function fully without analytics tracking.
Third-Party Analytics
- Google Analytics 4: We use GA4 for anonymized usage analytics with enhanced privacy settings enabled
- Data Processing: All analytics data is processed in accordance with GDPR and privacy-first principles
- Data Retention: Analytics data is automatically deleted according to our retention policies and your privacy preferences
Given the sensitive nature of financial and emotional data, we implement enterprise-grade security measures including end-to-end encryption, secure data storage, and regular security audits.
Technical Safeguards
- End-to-end encryption for all data transmission
- Encrypted storage of all personal information
- Regular security vulnerability assessments
- Multi-factor authentication for account access
- Secure cloud infrastructure with industry-standard protections
Access Controls
- Strict employee access controls on a need-to-know basis
- Regular access reviews and audit trails
- Confidentiality agreements for all staff members
- Specialized training on handling sensitive psychological data
Access and Control
- View all data we have collected about you
- Download your data in a portable format
- Correct inaccurate information
- Delete specific data entries or your entire account
- Opt out of certain data processing activities
Panic Mode Protection
- Instant data hiding capabilities through our "Red-Dot Panic" feature
- Immediate access to grounding exercises without data retention
- Option to pause all data collection during emotional distress
We recognize that our app processes sensitive mental health information. We adhere to ethical guidelines for digital mental health tools and maintain the highest standards of care.
If you have questions about this privacy policy or how we handle your data, please contact us:
We respond to privacy inquiries within 72 hours
We understand that choosing to share your financial and emotional journey with us requires tremendous trust. We honor that trust by maintaining the highest standards of privacy protection and ethical data handling.