Privacy Policy

Note: During the pre-launch Friends & Family phase, this Privacy Policy may be updated before public launch. Users will be notified of material changes.

1. Introduction & Who We Are

aiSmartBudget is a personal finance management platform operated by Skyline Revenue Solutions, LLC, doing business as aiSmartBudget (“we,” “our,” “us,” or “Company”). Our mission is to empower users with AI-driven financial insights and tools to help manage their personal finances effectively.

This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our website at aiSmartBudget.com and related services (the “Service”). Please read this Privacy Policy carefully. If you do not agree with our policies and practices, please do not use our Service.

2. Information We Collect

Account Registration Information

When you create an account, we collect personal information such as your name, email address, phone number, and account credentials.

Financial Data

Through the Plaid API integration, we collect and store transaction data, account balances, account types, and banking statements from your connected financial accounts. You grant read-only access to this information, and we do not obtain access to your banking credentials directly.

Usage Data

We collect information about your interactions with the Service, including features accessed, actions taken, time spent, and any communications you initiate with us.

Device and Browser Information

We collect technical information such as your IP address, browser type, operating system, device identifiers, and approximate geolocation data.

3. How We Use Your Information

We use the information we collect for the following purposes:

• To provide, maintain, and improve the Service
• To deliver personalized financial insights and recommendations
• To enforce account security and detect fraud
• To send service updates, security alerts, and support communications
• To comply with legal obligations and respond to lawful requests
• To analyze Service usage and conduct research to enhance functionality

4. How We Share Your Information

We do not sell, trade, or share your personal or financial information with third parties for marketing purposes. We share information only as follows:

Service Providers

We share information with third-party service providers who assist us in operating the Service, including Plaid (for account aggregation), Supabase (for data storage on AWS infrastructure), and Vercel (for hosting). These providers are contractually obligated to maintain the confidentiality and security of your information.

Legal Requirements

We may disclose your information when required by law, court order, or other governmental authority, or when we believe in good faith that disclosure is necessary to protect our rights, your safety, or the safety of others.

Data Portability

Upon your request, we can provide you with a copy of your personal and financial data in a structured, commonly used format to allow you to transfer information to another service provider.

5. Data Security

We implement comprehensive security measures to protect your information:

• Multi-Factor Authentication (MFA) is enforced for all user accounts
• All data is encrypted in transit using TLS/SSL protocols
• Sensitive data is encrypted at rest in our Supabase database
• Row-Level Security (RLS) policies ensure users can only access their own data
• Rate limiting and fraud detection mechanisms are in place
• We do not store banking credentials directly; authentication is handled securely through Plaid

However, no security system is completely impenetrable. We cannot guarantee absolute security of your information. If you become aware of any unauthorized access or security breach, please contact us immediately.

6. Data Retention

We retain your personal and financial information for as long as your account is active. If you close your account or request deletion of your data, we will delete your information within 30 days, except where retention is required by law or for legitimate business purposes (such as compliance, fraud prevention, or resolving disputes).

Users may request data deletion at any time by contacting us. Some information may be retained in aggregated or anonymized form for analytical purposes. See our Data Retention Policy for full details.

7. Your Rights

Depending on your location, you may have the following rights regarding your personal information:

Right to Access

You have the right to request and obtain a copy of the personal information we hold about you.

Right to Correction

You can request that we correct inaccurate or incomplete information.

Right to Deletion

You may request that we delete your personal information, subject to certain legal exceptions.

Right to Data Portability

You have the right to receive your information in a structured, commonly used format and to transmit it to another entity.

8. Children's Privacy

The Service is not intended for children under 18 years of age, and we do not knowingly collect personal information from minors. If we become aware that a minor has provided us with personal information, we will delete such information immediately and terminate the child's account.

9. Changes to This Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, technology, legal requirements, or other factors. We will notify you of material changes via email or a prominent notice on the Service. Your continued use of the Service following notification of changes constitutes your acceptance of the updated Privacy Policy.

10. Contact Us

If you have questions or concerns about this Privacy Policy, our data practices, or wish to exercise your privacy rights, please contact us at:

Skyline Revenue Solutions, LLC dba aiSmartBudget
Email: aismartbudget@gmail.com
Website: aiSmartBudget.com

We will respond to your request within 15 business days.