How we collect, use, protect, and manage your personal and financial information.
Last updated: December 2024
When you create an account, we collect:
When you use our budgeting tools, we collect:
Storage: This data is stored indefinitely in our secure database (Firebase) unless you delete your account.
Optional Feature: If you choose to connect your bank account using our Spending Tracker feature, we access your transaction data through Plaid, a secure third-party financial data provider.
What We DO NOT Store:
What We DO Store (for 90 days):
90-Day Automatic Deletion: Transaction data is automatically deleted after 90 days. This reduces our data storage responsibilities and protects your privacy.
To improve our service and troubleshoot issues, we collect:
To deliver budgeting tools, spending tracking, and financial insights you've requested.
To analyze your financial data and provide personalized recommendations using Google Gemini AI (your data is sent to Gemini's API but not stored by Google).
To show you how your actual spending (from bank transactions) compares to your planned budget.
To alert you about account activity, service updates, or budget thresholds (if you opt in).
To protect your account from unauthorized access and ensure platform security.
To understand how people use our tools and make improvements (using aggregated, anonymized data).
We do NOT: Sell your financial data to third parties, use your data for advertising, or share your data with anyone except our essential service providers (Firebase, Plaid, Stripe).
Your account information, budgets, and financial goals are kept as long as your account is active. You can delete this anytime from your account settings.
Automatic deletion after 90 days. Transaction data retrieved from Plaid is automatically deleted from our database after 90 days. This policy:
The secure token that allows us to fetch your transactions is kept until you disconnect your bank account or delete your account.
When you delete your account, we keep a backup for 30 days in case you change your mind. After 30 days, all your data is permanently deleted.
We only share your data with essential service providers who help us operate the platform:
Stores your account data, budgets, and cached transactions. All data is encrypted.
View Firebase Privacy Policy →Securely connects to your bank to retrieve transaction data (only if you choose to connect your bank).
View Plaid Privacy Policy →Processes payments for paid subscriptions. We never see or store your credit card information.
View Stripe Privacy Policy →Analyzes your financial data to generate insights. Data is sent via API but not stored by Google.
View Gemini Terms →We do NOT share your data with: Advertisers, data brokers, marketing companies, or any other third parties. We will never sell your financial information.
View all the data we have about you anytime from your account dashboard.
Download a copy of your budgets and financial data in JSON format.
How: Go to Settings → Privacy → Export Data
Update or correct any information directly in your budget tools.
Remove bank connection at any time. This deletes your Plaid access token and stops future transaction syncing.
How: Go to Spending Tracker → Bank Settings → Disconnect Bank
Permanently delete your account and all associated data. This action cannot be undone after 30 days.
How: Go to Settings → Account → Delete Account
If you're a resident of California (CCPA), Virginia (VCDPA), Colorado (CPA), or other states with privacy laws, you have additional rights:
To exercise these rights, contact us at thenextgenempowerment@gmail.com with "Privacy Rights Request" in the subject line.
All data is transmitted over HTTPS with TLS encryption.
Your data is encrypted in Firebase using AES-256 encryption.
Passwords are hashed using bcrypt and never stored in plain text.
Firebase Security Rules ensure users can only access their own data.
Bank credentials never touch our servers - Plaid handles all authentication.
No system is 100% secure. While we implement industry-standard security measures, we cannot guarantee absolute security. Please use a strong, unique password and enable two-factor authentication when available.
Our Services are not intended for children under 18. We do not knowingly collect personal information from children. If you believe a child under 18 has provided us with personal information, please contact us immediately at thenextgenempowerment@gmail.com.
We may update this Privacy Policy from time to time to reflect changes in our practices or legal requirements. When we make changes:
If you have questions about this Privacy Policy or how we handle your data, we're here to help.
Business
NextGenEmpowerment
Location
Charlotte, North Carolina
For privacy rights requests (access, deletion, export), please include "Privacy Rights Request" in your email subject line.