Effective Date: 02.27.25
Smart Finance LLC ("Company," "we," "us," or "our") operates Smart Finance & Loan Guide ("App") and is committed to protecting the privacy of our users ("you," "your"). This Privacy Policy explains how we collect, use, and protect your personal information when you use our App.
By using Smart Finance & Loan Guide, you agree to the collection and use of your information as described in this Privacy Policy.
Smart Finance & Loan Guide is a personal finance tool designed to help users:
Track their finances, including income, expenses, and budgeting.
Organize and categorize their spending habits.
Gain insights into their financial activity through analytics and reports.
Access information about third-party financial service providers.
We do not provide financial services, issue loans, or participate in any financial transactions between users and third-party providers.
This application is available exclusively on the Apple App Store.
We may collect the following types of information:
Name, contact details (email or phone number).
Optional profile details to enhance user experience.
We do not collect or store sensitive financial information such as Social Security Numbers, bank account details, or credit card numbers.
IP address, device type, operating system version.
Unique device identifiers and app settings.
Usage data (interactions with features, time spent in the app).
We integrate third-party tools, such as Firebase by Google, to collect aggregated usage statistics, app performance metrics, and crash reports. These tools do not collect personal financial data but help us improve the stability and performance of the app.
For more details, refer to Google's Privacy Policy: https://policies.google.com/privacy
We use collected data to:
Improve the user experience and functionality of the app.
Provide financial insights and budgeting recommendations.
Ensure compliance with legal and security requirements.
Prevent fraudulent activity and unauthorized access.
We do not use your data to:
Make financial decisions on your behalf.
Determine loan eligibility.
Sell or share personal data with third parties for advertising purposes.
We do not sell your personal information. However, in certain cases, we may share limited data with:
Service Providers: Third parties assisting with app maintenance, analytics, and customer support.
Legal and Regulatory Authorities: If required by law, we may disclose information to comply with legal obligations.
Any data shared with third parties is in compliance with applicable privacy laws and is limited to the minimum information necessary.
We implement industry-standard security measures to protect user data. However, no digital platform can guarantee absolute security.
Your data is retained only as long as necessary to fulfill the purposes outlined in this Privacy Policy or as required by law.
Depending on your location, you may have rights to:
Access & Correction: Request access to personal information we hold and correct inaccuracies.
Opt-Out of Optional Features: Choose not to use features involving third-party interactions.
To exercise these rights, please contact us at: support@cashflowfinance.org
Smart Finance & Loan Guide complies with applicable privacy laws, including:
California Consumer Privacy Act (CCPA)
General Data Protection Regulation (GDPR - EU Users)
Other U.S. State Privacy Laws
We reserve the right to update this Privacy Policy. Any changes will be reflected in the "Effective Date." Continued use of the App after modifications constitutes acceptance of the updated Privacy Policy.
For privacy-related inquiries, contact us at: Smart Finance LLC
212 Pearl St, Manistique, MI 49854
Email: support@cashflowfinance.org