Privacy Policy

Effective Date: January 19, 2026

1. Introduction

Welcome to Bajetiyo's Privacy Policy. We take your privacy seriously and are committed to protecting your personal and financial information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our personal finance management platform.

By using Bajetiyo, you agree to the collection and use of information in accordance with this policy. If you do not agree with our policies and practices, please do not use our Service.

2. Information We Collect

2.1 Information You Provide

We collect information that you provide directly to us, including:

  • Account Information: Name, email address, password, and profile details
  • Financial Data: Transaction details, account balances, budget information, categories, tags, and other financial records you enter
  • Payment Information: Payment method details processed through our payment processor (Paddle)
  • Communication Data: Messages, feedback, and support inquiries you send to us
  • User Preferences: Settings, customizations, and preferences you configure

2.2 Information Collected Automatically

When you access our Service, we automatically collect:

  • Usage Data: Pages viewed, features used, time spent, and interaction patterns
  • Device Information: Device type, operating system, browser type, and version
  • Log Data: IP address, access times, and pages requested
  • Cookies and Similar Technologies: See Section 4 for details

3. How We Use Your Information

We use the information we collect to:

  • Provide the Service: Process transactions, manage your account, and deliver features
  • Improve the Service: Analyze usage patterns, fix bugs, and develop new features
  • Communicate: Send service updates, security alerts, and support messages
  • Process Payments: Handle subscriptions and billing through our payment processor
  • Ensure Security: Protect against fraud, unauthorized access, and security threats
  • Comply with Laws: Meet legal and regulatory requirements
  • Personalization: Customize your experience and provide relevant features

We do not sell your personal or financial data to third parties.

4. Cookies and Tracking Technologies

We use cookies and similar tracking technologies to track activity on our Service and hold certain information. Cookies are files with small amounts of data that are stored on your device.

Types of Cookies We Use:

  • Essential Cookies: Required for the Service to function properly (authentication, security)
  • Preference Cookies: Remember your settings and preferences
  • Analytics Cookies: Help us understand how users interact with our Service
  • Security Cookies: Detect and prevent security threats

You can instruct your browser to refuse all cookies or to indicate when a cookie is being sent. However, if you do not accept cookies, you may not be able to use some portions of our Service.

5. Data Storage and Security

5.1 Security Measures

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

  • Encryption of data in transit (HTTPS/SSL)
  • Encryption of sensitive data at rest
  • Regular security audits and updates
  • Access controls and authentication mechanisms
  • Secure password storage using bcrypt hashing
  • Regular backups of your data

5.2 Data Location

Your data is stored on secure servers. We take reasonable steps to ensure that your data is treated securely and in accordance with this Privacy Policy.

5.3 Data Security Limitations

While we strive to protect your personal information, no method of transmission over the Internet or electronic storage is 100% secure. We cannot guarantee absolute security of your data.

6. Sharing Your Information

We may share your information in the following circumstances:

  • Service Providers: Third-party vendors who perform services on our behalf (hosting, payment processing, analytics)
  • Payment Processor: Paddle processes payments and has its own privacy policy
  • Legal Requirements: When required by law, court order, or government regulation
  • Business Transfers: In connection with a merger, acquisition, or sale of assets
  • Protection of Rights: To protect our rights, property, or safety, or that of our users
  • With Your Consent: When you explicitly authorize us to share your information

We do not sell or rent your personal information to third parties for marketing purposes.

7. Third-Party Services

Our Service may contain links to third-party websites or services that are not owned or controlled by Bajetiyo. We have no control over and assume no responsibility for the content, privacy policies, or practices of any third-party sites or services.

Payment Processing: We use Paddle as our payment processor. When you make a payment, Paddle collects and processes your payment information according to their privacy policy.

8. Your Privacy Rights

8.1 General Rights

You have the right to:

  • Access: Request a copy of your personal data
  • Correction: Update or correct inaccurate information
  • Deletion: Request deletion of your account and data
  • Export: Download your data in a portable format
  • Opt-Out: Unsubscribe from marketing communications

8.2 GDPR Rights (European Users)

If you are in the European Economic Area (EEA), you have additional rights under GDPR:

  • Right to data portability
  • Right to restrict processing
  • Right to object to processing
  • Right to withdraw consent
  • Right to lodge a complaint with a supervisory authority

8.3 CCPA Rights (California Users)

If you are a California resident, you have rights under the California Consumer Privacy Act (CCPA):

  • Right to know what personal information is collected
  • Right to know if personal information is sold or disclosed
  • Right to opt-out of the sale of personal information
  • Right to deletion of personal information
  • Right to non-discrimination for exercising your rights

8.4 Exercising Your Rights

To exercise any of these rights, please contact us at support@bajetiyo.com. We will respond to your request within 30 days.

9. Data Retention

We retain your information for as long as your account is active or as needed to provide you services. We will retain and use your information as necessary to:

  • Comply with legal obligations
  • Resolve disputes
  • Enforce our agreements
  • Maintain security and prevent fraud

If you delete your account, we will delete or anonymize your personal data within 30 days, except where we are required to retain it for legal purposes.

10. Children's Privacy

Our Service is not intended for children under 18 years of age. We do not knowingly collect personal information from children under 18. If we discover that a child under 18 has provided us with personal information, we will delete such information from our systems immediately.

11. International Data Transfers

Your information may be transferred to and maintained on servers located outside of your state, province, country, or other governmental jurisdiction where data protection laws may differ. By using our Service, you consent to the transfer of your information to these locations.

12. Changes to This Privacy Policy

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

  • Posting the new Privacy Policy on this page
  • Updating the "Effective Date" at the top of this policy
  • Sending an email notification to your registered email address for material changes

You are advised to review this Privacy Policy periodically for any changes. Changes to this Privacy Policy are effective when they are posted on this page.

13. Contact Us

If you have any questions about this Privacy Policy or our data practices, please contact us:

Your Privacy Matters: We are committed to protecting your privacy and handling your data responsibly. If you have concerns about how your data is being handled, please don't hesitate to contact us.