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Privacy Policy for TeamsLedger Effective Date: October 9, 2025 Last Updated: October 9, 2025 Introduction Welcome to TeamsLedger ("we," "our," or "us"). We are committed to protecting your privacy and ensuring the security of your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our mobile application TeamsLedger (the "App"). Please read this Privacy Policy carefully. By using TeamsLedger, you agree to the collection and use of information in accordance with this policy. If you do not agree with our policies and practices, please do not use our App. 1. Information We Collect 1.1 Information You Provide to Us When you use TeamsLedger, we collect information that you voluntarily provide to us, including: Account Information: Name, email address, and password when you create an account Profile Information: Display name, profile picture, and other optional profile details Organization Data: Organization names, descriptions, and settings you create Expense Information: Expense details, amounts, descriptions, categories, dates, and receipt photos you submit Trip Information: Trip names, destinations, dates, budgets, itineraries, and cover photos you create Birthday Information: Team member birthdays and celebration details you add Communication Data: Messages, reactions, and content you share in team chats Financial Data: Budget information, contribution amounts, and currency preferences 1.2 Information Collected Automatically When you use TeamsLedger, we automatically collect certain information, including: Device Information: Device type, operating system, unique device identifiers Usage Data: Features used, actions taken, time spent in the app, and interaction patterns Log Data: IP address, access times, app crashes, and performance data Location Data: General location information based on IP address (we do not collect precise GPS location) 1.3 Information from Third Parties Authentication Services: If you sign in using third-party authentication (Google, Apple), we receive basic profile information as permitted by those services Firebase Services: We use Firebase Authentication and Firestore for backend services, which may collect additional technical data 2. How We Use Your Information We use the collected information for the following purposes: 2.1 To Provide and Maintain Our Services Create and manage your account Enable expense tracking and approval workflows Facilitate trip planning and collaboration Provide team communication features Process and display financial data 2.2 To Improve and Personalize Your Experience Customize content and features based on your preferences Analyze usage patterns to improve app functionality Develop new features and services Provide customer support and respond to inquiries 2.3 To Communicate With You Send notifications about expense approvals and team activity Provide important updates about the App Respond to your comments and questions Send administrative information and service announcements 2.4 To Ensure Security and Prevent Fraud Monitor for suspicious activity Enforce our terms and policies Protect against unauthorized access Maintain data integrity and security 3. How We Share Your Information We respect your privacy and do not sell your personal information. We may share your information only in the following circumstances: 3.1 Within Your Organizations Information you share within an organization (expenses, trips, messages) is visible to other members of that organization based on their role and permissions 3.2 Service Providers We use third-party service providers who perform services on our behalf: Firebase (Google) for authentication, database, and storage Cloud service providers for hosting and infrastructure Analytics providers for app performance monitoring 3.3 Legal Requirements We may disclose your information if required by law, legal process, or government request To protect our rights, property, or safety, or that of our users or the public 3.4 Business Transfers In the event of a merger, acquisition, or sale of assets, your information may be transferred to the acquiring entity 3.5 With Your Consent We may share your information with third parties when you give us explicit consent to do so 4. Data Storage and Security 4.1 Data Storage Your data is stored securely using Firebase Cloud Firestore and Firebase Storage Data is encrypted in transit using industry-standard SSL/TLS protocols We implement appropriate technical and organizational measures to protect your data 4.2 Data Retention We retain your information for as long as your account is active or as needed to provide services You may request deletion of your data at any time by contacting us Some information may be retained for legal, accounting, or security purposes 4.3 Security Measures Role-based access control Encrypted data transmission Regular security assessments Secure authentication practices Despite our security measures, no system is completely secure. We cannot guarantee absolute security of your information. 5. Your Rights and Choices 5.1 Access and Update You can access and update your account information through the App settings You can modify your profile, organization settings, and preferences at any time 5.2 Data Deletion You may request deletion of your account and associated data Contact us at [your-support-email] to request data deletion Note that some information may be retained as required by law 5.3 Communication Preferences You can manage notification settings within the App You can opt out of promotional communications (service-related communications cannot be opted out) 5.4 Your Rights Under GDPR (for EU Users) If you are in the European Union, you have the following rights: Right to access your personal data Right to rectification of inaccurate data Right to erasure ("right to be forgotten") Right to restrict processing Right to data portability Right to object to processing Right to withdraw consent To exercise these rights, contact us at [your-support-email] 6. Children's Privacy TeamsLedger is not intended for use by children under the age of 13 (or 16 in the EU). We do not knowingly collect personal information from children. If we learn that we have collected information from a child under the applicable age, we will delete that information promptly. If you believe a child has provided us with personal information, please contact us. 7. International Data Transfers Your information may be transferred to and processed in countries other than your country of residence. These countries may have data protection laws different from your country. By using TeamsLedger, you consent to the transfer of your information to our facilities and service providers globally. For EU users, we ensure appropriate safeguards are in place for international transfers in accordance with GDPR requirements. 8. Third-Party Services TeamsLedger uses the following third-party services: Firebase (Google LLC) Firebase Authentication for user authentication Cloud Firestore for data storage Firebase Cloud Messaging for notifications Firebase Storage for file uploads Privacy Policy: https://firebase.google.com/support/privacy We are not responsible for the privacy practices of third-party services. We encourage you to review their privacy policies. 9. Cookies and Tracking Technologies TeamsLedger uses local storage and similar technologies to: Maintain your session and preferences Analyze app performance and usage Provide personalized experiences You can manage these settings through your device settings, though disabling certain features may affect app functionality. 10. California Privacy Rights If you are a California resident, you have specific rights under the California Consumer Privacy Act (CCPA): Right to know what personal information is collected Right to know whether personal information is sold or disclosed Right to opt-out of the sale of personal information Right to deletion of personal information Right to non-discrimination for exercising your rights We do not sell your personal information. To exercise your CCPA rights, contact us at [your-support-email] 11. Changes to This Privacy Policy We may update this Privacy Policy from time to time to reflect changes in our practices or for legal, operational, or regulatory reasons. We will notify you of any material changes by: Posting the new Privacy Policy in the App Updating the "Last Updated" date Sending you a notification if changes are significant Your continued use of TeamsLedger after changes become effective constitutes acceptance of the updated Privacy Policy. 12. Contact Us If you have questions, concerns, or requests regarding this Privacy Policy or our privacy practices, please contact us: Email: ishankacostha@gmail.com For data protection inquiries (EU users): Data Protection Officer: ishankacostha@gmail.com 13. Consent By using TeamsLedger, you acknowledge that you have read and understood this Privacy Policy and consent to the collection, use, and disclosure of your information as described herein. TeamsLedger © 2025 All Rights Reserved