Privacy Policy

Last updated: 9/10/2026

Contact Information

How to reach us regarding privacy matters

Privacy Officer

privacy@kodafinance.com

Data Protection Officer

dpo@kodafinance.com

General Support

support@kodafinance.com

Legal Department

legal@kodafinance.com

Information We Collect

We collect only the information necessary to provide our services

Personal Information

  • • Name and email address
  • • Age and gender (for age-appropriate features)
  • • Account preferences and settings
  • • Parental consent (for users under 18)

Financial Information

  • • Transaction data (when you connect bank accounts)
  • • Account balances and financial goals
  • • Budget and spending information
  • • Investment data (if applicable)

Usage Information

  • • App usage patterns (anonymized)
  • • Feature usage statistics
  • • Error logs and performance data
  • • Device information (browser type, operating system)

How We Use Your Information

We use your information only for legitimate business purposes

Service Provision

  • • Provide financial tracking and budgeting tools
  • • Generate insights and recommendations
  • • Process transactions and account connections
  • • Maintain your account and preferences

Communication

  • • Send important account notifications
  • • Provide customer support
  • • Share product updates (with consent)
  • • Send security alerts

Improvement

  • • Analyze usage patterns to improve our services
  • • Develop new features and functionality
  • • Ensure app security and performance
  • • Conduct research and analytics (anonymized)

Data Sharing and Disclosure

We do not sell your personal information

We DO NOT:

  • • Sell your personal information to third parties
  • • Share your financial data with advertisers
  • • Use your data for marketing without consent
  • • Disclose your information except as described below

Limited Sharing

  • • With your explicit consent
  • • To comply with legal obligations
  • • To protect our rights and prevent fraud
  • • With trusted service providers (under strict agreements)
  • • In case of business transfer (with notice)

Data Security

We implement industry-standard security measures

Technical Safeguards

  • • Encryption in transit and at rest
  • • Secure authentication and authorization
  • • Regular security audits and testing
  • • Access controls and monitoring
  • • Secure data centers and infrastructure

Administrative Safeguards

  • • Employee training on data protection
  • • Background checks for personnel
  • • Incident response procedures
  • • Regular policy reviews and updates
  • • Vendor security assessments

Your Privacy Rights

You have control over your personal information

Access & Portability

  • • View all your personal data
  • • Export your data in machine-readable format
  • • Receive a copy of your information

Correction & Deletion

  • • Correct inaccurate information
  • • Delete your account and data
  • • Request data correction

Consent Management

  • • Withdraw consent at any time
  • • Opt-out of marketing communications
  • • Manage privacy preferences

Restriction & Objection

  • • Restrict certain data processing
  • • Object to automated decision-making
  • • Request data processing limitations

How to Exercise Your Rights: Visit our Privacy Settings page or contact us at privacy@kodafinance.com. We will respond to your request within 30 days.

Children's Privacy (COPPA)

Special protections for users under 18

Important Notice:

Our service is designed for users 13 and older. We do not knowingly collect personal information from children under 13.

For Users Under 18:

  • • Parental consent is required for account creation
  • • Parents can review and delete their child's data
  • • We collect minimal data necessary for the service
  • • No behavioral advertising to minors
  • • Parents can contact us at privacy@kodafinance.com

Data Retention

How long we keep your information

Retention Periods

  • • Account data: Until account deletion + 30 days
  • • Transaction data: Until account deletion + 30 days
  • • Analytics data: Anonymized and retained for up to 2 years
  • • Audit logs: Retained for 7 years for compliance
  • • Support communications: Retained for 3 years

Automatic Deletion

  • • Inactive accounts (2+ years): Automatically deleted
  • • Unverified accounts (30 days): Automatically deleted
  • • Temporary data: Deleted after 24 hours
  • • Backup data: Securely deleted after retention period

International Data Transfers

How we handle cross-border data transfers

Data Location

Your data is primarily stored in the United States. When we transfer data internationally, we ensure adequate protection through:

  • • Standard Contractual Clauses (SCCs)
  • • Adequacy decisions by relevant authorities
  • • Binding Corporate Rules
  • • Certification schemes

GDPR Compliance

For EU users, we comply with GDPR requirements for international transfers and provide the same level of protection regardless of where your data is processed.

Changes to This Policy

How we notify you of updates

Notification Methods

  • • Email notification for material changes
  • • In-app notification banner
  • • Updated "Last Modified" date
  • • Summary of changes provided

Your Options

  • • Continue using the service (accepts changes)
  • • Review changes and decide
  • • Delete your account if you disagree
  • • Contact us with questions

Questions About Privacy?

We're here to help with any privacy concerns

If you have questions about this Privacy Policy or how we handle your personal information, please contact us:

Privacy Team

privacy@kodafinance.com

Response within 30 days

Data Protection Officer

dpo@kodafinance.com

For EU users

Response Time:We respond to all privacy requests within 30 days. For urgent matters, please mark your email as "URGENT - Privacy Request."