Privacy Policy

Last Updated: November 15, 2025

At HarmonyFunds, we take your privacy seriously. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our expense tracking application and services.

1. Information We Collect

Personal Information

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

• Name and email address
• Account credentials
• Payment and billing information (processed securely through our payment processor)
• Household member information you choose to add

Expense Data

When you use HarmonyFunds, we collect:

• Shared household expense information you enter
• Personal expense information (kept private and not shared with household members)
• Transaction dates, amounts, and descriptions
• Balance calculations and payment histories

Usage Information

We automatically collect certain information about your device and usage patterns:

• IP address and device information
• Browser type and version
• Usage statistics and interaction data
• Log files and analytics data

2. How We Use Your Information

We use the information we collect to:

• Provide, maintain, and improve our services
• Process your transactions and manage your subscription
• Send you technical notices, updates, and support messages
• Respond to your comments, questions, and requests
• Monitor and analyze usage patterns and trends
• Detect, prevent, and address technical issues and security concerns
• Provide customer support and assistance

3. Privacy of Your Expense Data

Your Personal Expenses Are Private: Personal expenses you mark as private are never visible to other household members. Only shared household expenses are visible to members of that specific household.

Household Data: Shared household expense data is visible only to members you have invited to that specific household. Members cannot see expenses from households they are not part of.

4. Information Sharing and Disclosure

We do not sell, trade, or rent your personal information to third parties. We may share your information only in the following circumstances:

• With Your Consent: When you explicitly authorize us to share information
• Service Providers: With trusted third-party service providers who assist us in operating our application (e.g., payment processors, hosting services)
• Legal Requirements: When required by law, court order, or governmental authority
• Protection of Rights: To protect the rights, property, or safety of HarmonyFunds, our users, or the public
• Business Transfers: In connection with any merger, sale of company assets, or acquisition

5. Data Security

We implement appropriate technical and organizational security measures to protect your information against unauthorized access, alteration, disclosure, or destruction. These measures include:

• Encryption of data in transit and at rest
• Secure server infrastructure
• Regular security assessments
• Access controls and authentication protocols

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

6. Your Rights and Choices

You have the following rights regarding your information:

• Access and Update: You can access and update your account information at any time through your account settings
• Delete Your Data: You can request deletion of your account and associated data by contacting us
• Export Your Data: You can request a copy of your data in a portable format
• Opt-Out: You can opt out of promotional communications by following the unsubscribe instructions in those messages
• Cookie Settings: You can control cookies through your browser settings

7. 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, and enforce our agreements.

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

8. Children's Privacy

HarmonyFunds is not intended for use by children under the age of 18. We do not knowingly collect personal information from children under 18. If we become aware that we have collected personal information from a child under 18, we will take steps to delete such information.

9. Third-Party Links

Our service may contain links to third-party websites or services. We are not responsible for the privacy practices of these third parties. We encourage you to review the privacy policies of any third-party sites you visit.

10. 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 privacy laws may differ. By using HarmonyFunds, you consent to the transfer of your information to the United States and other locations where we operate.

11. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on this page and updating the "Last Updated" date. We encourage you to review this Privacy Policy periodically.

Your continued use of HarmonyFunds after any changes to this Privacy Policy constitutes your acceptance of such changes.

12. Contact Us

If you have any questions, concerns, or requests regarding this Privacy Policy or our privacy practices, please contact us at:

HarmonyFunds
Ruben Andujo
578 Village Drive
Fernley, Nevada 89408
Email: hello@harmonyfunds.app

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