1. Information We Collect

Personal Information You Provide

When you create an account with Pointedwebapp, we collect information you voluntarily share with us. This includes your name, email address, and contact details. If you choose to connect bank accounts or financial institutions, we also receive transaction data and account balances through secure, encrypted connections.

For our activity-based budgeting features, you might enter information about your spending habits, financial goals, and budget categories. This data helps us provide personalized recommendations and insights tailored to your specific situation.

Automatically Collected Information

Like most digital services, we automatically collect certain technical information when you use our platform. This includes your IP address, device type, browser information, and how you navigate through our app. We use this data to ensure our service works properly and to identify potential security issues.

2. How We Use Your Information

We use your personal information primarily to provide and improve our activity-based budgeting services. This means analyzing your financial data to generate insights, sending you budget alerts, and helping you track progress toward your financial goals.

• Providing personalized budget recommendations based on your spending patterns
• Sending notifications about unusual spending or budget milestones
• Generating financial reports and insights specific to your activities
• Improving our algorithms and service features
• Responding to customer support requests
• Complying with legal obligations under Philippine law

3. Information Sharing and Disclosure

Service Providers

We work with trusted third-party companies that help us operate our service. This includes cloud hosting providers, payment processors, and analytics services. These partners are contractually required to protect your information and can only use it for the specific services they provide to us.

Legal Requirements

Under Philippine data privacy laws, we may be required to share your information with government authorities in specific circumstances. This could include court orders, regulatory investigations, or compliance with the Bangko Sentral ng Pilipinas requirements for financial services.

Business Transfers

If Pointedwebapp is acquired by another company or undergoes a merger, your personal information may be transferred as part of that transaction. We would notify you in advance and ensure your data continues to receive the same level of protection.

4. Data Security and Protection

We take data security seriously, especially given the sensitive nature of financial information. All data transmission between your device and our servers uses bank-level encryption. Your financial data is stored in encrypted format, and we regularly conduct security audits to identify and address potential vulnerabilities.

Our security measures include multi-factor authentication options, secure API connections with financial institutions, and regular security training for our team members. We also maintain cyber insurance coverage and have incident response procedures in place.

5. Your Privacy Rights

Access and Correction

Under the Philippine Data Privacy Act, you have the right to access your personal information and request corrections if it's inaccurate. You can view and edit most of your account information directly through the Pointedwebapp dashboard. For other requests, you can contact our privacy team.

Data Portability

You can export your budget data, transaction categories, and financial goals from our platform at any time. We provide this information in commonly used formats so you can easily transfer it to other services if needed.

Deletion Rights

You can request deletion of your account and associated data. We'll remove your personal information within 30 days, though we may retain certain data for legitimate business purposes or legal compliance requirements.

• Right to be informed about data collection and processing
• Right to access your personal information
• Right to correct inaccurate or incomplete data
• Right to delete your personal information
• Right to data portability
• Right to object to certain data processing activities

6. Data Retention

We keep your personal information only as long as necessary to provide our services or comply with legal requirements. Active account data is retained while your account remains open and for up to two years after account closure to help with any questions or issues that might arise.

Financial transaction data may be retained longer to comply with Philippine banking and financial regulations. Anonymous usage statistics may be kept indefinitely to help improve our service, but this information cannot be linked back to individual users.

7. International Data Transfers

Your personal information is primarily processed and stored within the Philippines or in countries with adequate data protection standards. If we need to transfer data internationally, we ensure appropriate safeguards are in place, including contractual protections and compliance with Philippine data transfer requirements.

8. Updates to This Policy

We update this privacy policy periodically to reflect changes in our practices or legal requirements. When we make significant changes, we'll notify you by email and through our app. The updated policy becomes effective 30 days after notification, giving you time to review the changes.

Minor clarifications or administrative changes may be posted without advance notice, but we'll always maintain the date of last update at the top of this policy.