Privacy Policy

1. Introduction

MyBookie ("we," "our," or "us") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our bookkeeping and expense tracking service.

By using MyBookie, you agree to the collection and use of information in accordance with this policy.

2. Information We Collect

2.1 Personal Information

• Name and email address when you create an account
• Password (stored in encrypted form)
• Business information you provide (business name, type, description)

2.2 Financial Information

• Bank account information accessed through Plaid (account names, balances, transactions)
• Expense and income records you manually enter
• Transaction categories and descriptions

2.3 Automatically Collected Information

• Device information (browser type, operating system)
• Usage data (features used, time spent)
• IP address and general location

3. How We Use Your Information

We use the information we collect to:

• Provide, maintain, and improve our services
• Import and categorize your financial transactions
• Generate financial reports and cash flow forecasts
• Provide AI-powered financial insights through FinanceBot
• Send you important updates about your account
• Respond to your inquiries and provide customer support
• Detect and prevent fraud or unauthorized access

4. Bank Connection Security (Plaid)

We use Plaid Inc. to securely connect your bank accounts. When you connect a bank account:

• Your bank credentials are never stored on our servers
• Plaid uses bank-level encryption (256-bit) to protect your data
• We only receive read-only access to transaction data
• You can disconnect your bank at any time

For more information, please review Plaid's Privacy Policy.

5. Data Sharing and Disclosure

We do not sell your personal information. We may share your information only in the following circumstances:

• Service Providers: With third-party vendors who help us operate our service (e.g., Plaid for bank connections, cloud hosting providers)
• Legal Requirements: When required by law or to respond to legal process
• Business Transfers: In connection with a merger, acquisition, or sale of assets
• With Your Consent: When you explicitly authorize us to share information (e.g., sharing reports with your accountant)

6. Data Security

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

• 256-bit SSL/TLS encryption for data in transit
• Encrypted storage for sensitive data at rest
• Regular security audits and monitoring
• Secure password hashing using bcrypt
• Access controls and authentication requirements

7. Data Retention

We retain your data for as long as your account is active or as needed to provide services. You may request deletion of your account and associated data at any time by contacting us. Some data may be retained as required by law or for legitimate business purposes.

8. Your Rights

You have the right to:

• Access the personal information we hold about you
• Request correction of inaccurate data
• Request deletion of your data
• Export your data in a portable format
• Disconnect linked bank accounts at any time
• Opt out of marketing communications

9. Children's Privacy

MyBookie is not intended for use by children under 18. We do not knowingly collect personal information from children. If you believe a child has provided us with personal information, please contact us.

10. Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of any changes by posting the new policy on this page and updating the "Last updated" date. Continued use of MyBookie after changes constitutes acceptance of the updated policy.