Privacy Policy

Last updated: January 11, 2025

At Tally, your privacy is our top priority. This Privacy Policy explains how we collect, use, store, and protect your personal and financial information when you use our service.

1. Information We Collect

1.1 Account Information

When you create a Tally account, we collect:

• Email address
• Name (if provided)
• Date of birth (optional - only if you choose to provide it for retirement planning features)
• Password (encrypted and never stored in plain text)
• Account creation date

1.2 Financial Data

You provide us with financial information to use Tally's features, including:

• Transaction data from bank statements or connected accounts
• Debt information (balances, interest rates, payment schedules)
• Savings goals and progress
• Monthly commitment details
• Asset and liability information for net worth tracking

1.3 Connected Account Data

If you choose to connect external services (such as Monzo or Google Sheets/Drive), we may access:

• Transaction history and account balances
• Spreadsheet data you explicitly authorize us to access
• Account metadata necessary for synchronization

1.4 Automatically Collected Information

We automatically collect:

• Device information (browser type, operating system)
• IP address and general location
• Usage data (features accessed, time spent in app)
• Error logs and performance metrics

2. How We Use Your Information

We use your information exclusively to:

• Provide and improve Tally's financial tracking services
• Calculate debt payoff projections and savings goals
• Synchronize data with connected accounts (Monzo, Google Sheets/Drive)
• Secure your account and prevent unauthorized access
• Communicate with you about your account and service updates
• Debug issues and improve app performance
• Comply with legal obligations

We will NEVER:

• Sell your financial data to third parties
• Share your information with advertisers
• Use your data for any purpose beyond providing Tally's services
• Access your bank accounts without your explicit authorization

3. How We Store Your Information

3.1 Data Storage

Your data is stored securely on MongoDB databases hosted by Railway. We implement:

• Encryption at rest and in transit (TLS/SSL)
• Secure database access controls
• Regular security audits
• Automated backups

3.2 Data Retention

We retain your data for as long as your account is active. When you delete your account, all associated data is permanently removed within 30 days.

4. Third-Party Services and Data Sharing

4.1 Google APIs

If you choose to connect Google Sheets or Google Drive, Tally uses Google APIs to:

• Read spreadsheet data you explicitly authorize
• Import transaction data from your Google Sheets
• Sync financial information with your Google Drive files

Tally's use and transfer of information received from Google APIs adheres to the Google API Services User Data Policy, including the Limited Use requirements.

We only request the minimum permissions necessary and will never:

• Access Google data beyond what you explicitly authorize
• Share your Google data with other users or third parties
• Use your Google data for advertising or other non-Tally purposes

4.2 Monzo Integration

If you connect your Monzo account, we access transaction data through Monzo's official API with your explicit consent. We only read data necessary for Tally's functionality and never initiate payments or modifications to your Monzo account.

4.3 No Other Third-Party Sharing

We do not share, sell, rent, or trade your information with any other third parties except:

• When required by law or legal process
• To protect our rights or the safety of our users
• With service providers who help us operate Tally (hosting, database services) under strict confidentiality agreements

5. Your Rights and Controls

5.1 Access and Portability

You can access, download, or export all your data at any time through your Tally account settings.

5.2 Data Correction

You can edit or update your financial information directly within the Tally app at any time.

5.3 Account Deletion

You can delete your account and all associated data with one click in your account preferences. This action:

• Permanently deletes all your financial data
• Removes all transaction history
• Revokes all connected account authorizations
• Cannot be undone

5.4 Connected Account Revocation

You can disconnect Monzo, Google Sheets, or Google Drive at any time through your Tally settings. This immediately revokes Tally's access to those services.

6. Security Measures

We implement industry-standard security measures to protect your data:

• End-to-end encryption for data in transit
• Encrypted database storage
• Secure password hashing (bcrypt)
• Regular security audits and penetration testing
• Access controls and authentication protocols
• Monitoring for suspicious activity

However, no method of transmission over the internet is 100% secure. While we strive to protect your information, we cannot guarantee absolute security.

7. Cookies and Tracking

Tally uses minimal cookies and local storage to:

• Keep you logged in to your account
• Remember your preferences
• Improve app performance

We do not use third-party advertising cookies or tracking pixels.

8. Children's Privacy

Tally is not intended for users under 18 years of age. We do not knowingly collect information from children. If you believe we have inadvertently collected information from a minor, please contact us immediately.

9. International Users

Tally is operated from the United Kingdom. If you are accessing Tally from outside the UK, your information may be transferred to, stored, and processed in the UK. By using Tally, you consent to this transfer.

10. Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of any material changes by:

• Posting the new policy on this page
• Updating the "Last updated" date
• Sending an email notification for significant changes

Your continued use of Tally after changes constitutes acceptance of the updated policy.

11. Contact Us

If you have questions, concerns, or requests regarding this Privacy Policy or your data, please contact us at:

Email: privacy@debtis.fun
Website: https://debtis.fun

12. Data Protection Rights (GDPR)

If you are located in the European Economic Area (EEA) or UK, you have the following rights:

• Right to access: Request a copy of your personal data
• Right to rectification: Correct inaccurate data
• Right to erasure: Request deletion of your data
• Right to restrict processing: Limit how we use your data
• Right to data portability: Receive your data in a portable format
• Right to object: Object to certain processing activities
• Right to withdraw consent: Withdraw consent at any time

To exercise these rights, contact us at privacy@debtis.fun.

Summary: Tally collects only the financial data you provide to deliver our service. We never sell your data, share it with advertisers, or use it for anything beyond helping you manage your finances. You can delete everything with one click at any time.

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