Privacy Policy

Information We Collect

miravalyntho collects various types of information to provide and improve our budget tracking services. When you register for an account, we gather basic details like your name, email address, and contact information. Our platform also collects financial data that you voluntarily input, including income sources, expense categories, and budget goals. This information helps us deliver personalized budget recommendations and track your financial progress over time.

• Personal identification information (name, email, phone number)
• Financial data you choose to input (income, expenses, budget categories)
• Usage data and interaction patterns within our platform
• Device information and browser details for technical optimization
• Location data when relevant to budgeting features

How We Use Your Information

Your personal and financial information serves specific purposes within our budget tracking ecosystem. We use this data to generate personalized spending insights, create custom budget categories that match your lifestyle, and provide recommendations for improving your financial habits. The information also helps us send relevant notifications about budget milestones, spending patterns, and upcoming bill reminders when you've enabled these features.

Additionally, we analyze aggregated and anonymized data to improve our platform's functionality and develop new features that benefit our entire user community. This might include identifying common budgeting challenges or popular expense categories that could enhance our service offerings.

Data Type	Primary Purpose	Retention Period
Account Information	Service delivery and support	Duration of account plus 2 years
Financial Data	Budget tracking and insights	As long as account remains active
Usage Analytics	Platform improvement	12 months maximum
Communication Records	Customer support and service	3 years after last contact

Data Sharing and Third Parties

We maintain strict controls over data sharing and only work with carefully vetted service providers who support our platform's core functions. These include cloud hosting services that store your encrypted data, email providers that deliver account notifications, and analytics tools that help us understand platform performance. Each third-party partner must sign comprehensive data protection agreements that align with South African privacy regulations.

We never sell your personal information to marketing companies, advertisers, or data brokers. Your financial data remains confidential and is never shared for commercial purposes outside of providing you with the budget tracking services you've requested. In rare circumstances, we might need to share limited information with legal authorities if required by South African law, but we would notify users when legally permissible to do so.

Your Rights and Control

Under South African privacy legislation, including the Protection of Personal Information Act (POPIA), you have significant control over your personal data. You can access, review, and update your account information at any time through your profile settings. If you want to download all your data, our export feature allows you to receive a complete copy of your financial information in a portable format.

• Request access to all personal data we hold about you
• Correct or update any inaccurate information in your account
• Delete your account and associated data permanently
• Export your budget data in a standard format
• Object to certain types of data processing activities
• File complaints with the South African Information Regulator

To exercise any of these rights, simply contact our privacy team using the information provided below. We typically respond to privacy requests within 30 days, though complex requests might require additional time. There's no charge for most privacy requests, unless they're clearly excessive or repetitive in nature.

Data Security Measures

Protecting your financial information is absolutely critical to our operations. We employ bank-level encryption for all data transmission and storage, ensuring that your budget details remain secure both in transit and at rest. Our servers are located in certified data centers with physical security measures, redundant backups, and 24/7 monitoring systems.

User accounts are protected by secure authentication systems, and we strongly encourage all users to enable two-factor authentication for additional security. Our development team regularly updates our security protocols and conducts vulnerability assessments to identify and address potential risks before they impact user data.

International Data Transfers

Some of our technical infrastructure and service providers operate outside South Africa, which means your data might be processed or stored in other countries. When this occurs, we ensure that appropriate safeguards are in place to maintain the same level of protection required by South African privacy laws. This includes contractual protections, adequacy assessments, and compliance with international data transfer frameworks.

Changes to This Policy

We review and update this privacy policy regularly to reflect changes in our services, legal requirements, or data handling practices. When significant changes occur, we'll notify users through email and prominent platform notifications at least 30 days before the changes take effect. Continued use of our services after policy updates indicates acceptance of the revised terms.

Minor updates, such as clarifications or contact information changes, might be implemented without advance notice, though we'll always update the "last modified" date at the top of this document.