Privacy Policy

Information We Collect

When you use SmartFlowNext for weekly budgeting, we collect information that helps us provide better financial planning tools. This includes your email address, basic profile information, and budgeting preferences you share with us.

We also gather usage data—which features you use most, how often you check your budget, and general patterns that help us improve our platform. However, we never store your actual banking credentials or account numbers on our servers.

Financial Data: Your budget categories, spending goals, and weekly planning information are encrypted and stored securely. We use this data solely to provide you with personalized budgeting insights and recommendations.

How We Use Your Information

Your data powers the core functionality of SmartFlowNext. We use it to calculate your weekly budget recommendations, track your financial goals, and send you relevant notifications about your spending patterns.

Sometimes we'll send you educational content about budgeting techniques or updates about new features. But we won't overwhelm your inbox—these communications are carefully curated and always relevant to your financial journey.

We also use aggregated, anonymized data to improve our algorithms. This means we might analyze general spending trends across all users to make better budget suggestions, but this never includes personally identifiable information.

Data Protection and Security

Security isn't just a feature for us—it's fundamental to everything we do. We use bank-level encryption (AES-256) to protect your data both in transit and at rest. Our servers are hosted in secure facilities with multiple layers of protection.

Every team member who might access user data undergoes background checks and signs strict confidentiality agreements. We also conduct regular security audits and penetration testing to identify and fix any vulnerabilities.

Data Breach Protocol: In the unlikely event of a security incident, we'll notify affected users within 72 hours and provide clear steps to protect their accounts. We maintain detailed incident response procedures and work with cybersecurity experts.

Sharing and Third Parties

We don't sell your personal information to anyone. Period. That's not our business model, and it never will be. Your financial data stays within our secure systems unless you explicitly authorize a connection.

We do work with trusted service providers—cloud hosting companies, email services, and analytics tools—but they're bound by strict data processing agreements. They can only use your data to help us provide our services to you.

If you choose to connect SmartFlowNext with other financial apps or services, we'll clearly explain what data will be shared before you authorize any connection. You can revoke these permissions at any time from your account settings.

Your Rights and Choices

You own your data. You can download a complete copy of your information at any time, update your profile details, or delete your account entirely. When you delete your account, we remove your personal data within 30 days.

You can also control your communication preferences—choose which notifications you want to receive, how often you hear from us, and whether you want to participate in optional surveys or beta testing programs.

Data Portability: Moving to another budgeting platform? We'll help you export your data in standard formats so you don't lose your financial tracking history. No vendor lock-in here.

International Users

While SmartFlowNext operates primarily in the Philippines, we welcome users from around the world. If you're accessing our services from outside the Philippines, please note that your data may be processed in our Philippines-based servers.

We comply with applicable international data protection laws, including GDPR for European users. If your local regulations provide additional rights regarding your personal data, we'll honor those requirements.

Children's Privacy

SmartFlowNext is designed for adults managing their own finances. We don't knowingly collect personal information from children under 18. If we discover that we've inadvertently collected such information, we'll delete it immediately.

Parents who want to teach their teenagers about budgeting should supervise their use of our platform and ensure they understand how their information is being used.

Changes to This Policy

We'll update this privacy policy as our services evolve and regulations change. When we make significant changes, we'll notify all active users via email and prominently display the updates on our platform.

Minor clarifications or additions might be posted without individual notification, but we'll always update the "Last Modified" date at the top of this page. We encourage you to review this policy periodically.