Finducation™ Privacy Policy
1. Who We Are
Finducation is a financial education and calculator ecosystem operated by Deseo Developers LLC ("we," "us," "our"). This policy explains how we collect, use, and protect data across the ecosystem.
2. Scope
This policy covers:
- Finducation™ (
/) - EZBudget™ (
/budget/) - WageWise™ (
/wagewise/) - DebtDefy™ (
/debtdefy/) - CreditCardCompass™ (
/creditcardcompass/) - DTIDecode™ (
/dtidecode/) - Authentication (
/login/) - Related mobile wrappers and embedded public builds
3. Data We Collect
| Category | Examples |
|---|---|
| Account | Email, user ID (signed-in users) |
| App data | Calculator inputs, saved scenarios |
| Billing | Subscription/purchase status |
| Contact submissions | Name, email, message, source app |
| Technical/diagnostic | Device/browser info, logs, timestamps, usage metadata |
We do not collect sensitive financial account credentials (e.g., bank logins or passwords).
4. Cookies & Similar Technologies
We may use cookies, local storage, and similar technologies to:
- Maintain authentication sessions
- Remember preferences and saved data
- Collect anonymous usage analytics
We do not use third-party advertising cookies. You can manage cookie preferences through your browser settings, though disabling them may affect functionality.
5. How We Use Data
- Deliver and improve app functionality
- Persist settings and scenarios across sessions/devices
- Process subscriptions, entitlements, and billing events
- Respond to support requests
- Detect abuse, secure the platform, and troubleshoot issues
- Send service-related communications (not marketing, unless you opt in)
6. Legal Bases
Where required by law, processing relies on one or more of: contractual necessity, legitimate interests (security, analytics, improvement), consent, or legal obligation.
7. Sharing & Processors
We share data only with service providers that help operate the ecosystem (e.g., Netlify, Supabase, Stripe), each operating under their own terms and security controls.
We do not sell or share personal information for advertising or marketing purposes.
8. Third-Party Links
Our apps may contain links to external sites or services. We are not responsible for the privacy practices of any third party. We encourage you to review their policies independently.
9. Retention & Deletion
Data is retained only as long as needed for the purposes described here, unless law or security requires longer retention.
You may request account and data deletion at any time by contacting us below. Upon verified request, we will delete your personal data within 30 days, except where retention is required by law.
10. Security
We apply reasonable technical and organizational safeguards. No method of transmission or storage is fully secure; absolute security cannot be guaranteed. In the event of a data breach that poses a risk to your rights, we will notify affected users and relevant authorities as required by applicable law.
11. Your Rights
Depending on your jurisdiction, you may have the right to:
- Access your personal data
- Correct inaccurate data
- Delete your data
- Export your data in a portable format
- Restrict or object to certain processing
- Withdraw consent where processing is consent-based
California residents: Under the CCPA/CPRA, you have the right to know what data we collect, request deletion, and opt out of the sale or sharing of personal information. We do not sell or share your data as defined by California law.
To exercise any right, contact us below. We will respond within the timeframe required by applicable law.
12. Children
This ecosystem is not directed to children under 13 (or the equivalent minimum age in your jurisdiction). We do not knowingly collect data from children. If you believe a child has provided personal data, contact us for investigation and removal.
13. International Transfers
Data may be processed outside your country. Where required, we implement appropriate cross-border transfer safeguards in compliance with applicable law.
14. Changes
We may update this policy at any time. Material changes will be communicated through the ecosystem or via email where possible. Changes take effect upon posting, and the Last Updated date will be revised accordingly.