MyTyballa.com (“we,” “us,” or “our”) operates the website https://mytyballa.com/ (the “Service”), which provides personal finance management, budgeting tools, tracking, and educational resources. We are deeply committed to protecting the privacy and security of your financial and personal information.

This Privacy Policy explains what information we collect, how we use it, and your rights concerning that data. By using our Service, you agree to the collection and use of information in accordance with this policy.

 

1. Information We Collect

 

We collect information necessary to provide accurate financial tracking, personalize budgeting tools, and manage your user account.

 

1.1 Personal Data You Provide Directly

 

We collect this data when you register, use our tools, or contact us:

  • Account Registration: Your full name, email address, and a password (stored as a secure hash).
  • Financial Data (Sensitive): Information you choose to input or link for budgeting purposes, such as transaction history, budget categories, income amounts, savings goals, and investment balances.
  • Payment Data (If Subscribed): Billing details and transaction information if you subscribe to a premium service. Note: We do not store full payment card numbers. These are processed securely by our third-party payment partners (e.g., [Insert Payment Processor, e.g., Stripe, PayPal]).
  • Communication Data: Information you provide when contacting customer support or giving feedback.

 

1.2 Data Collected Automatically (Usage Data)

 

When you use the Service, we automatically collect certain technical and behavioral information:

  • Log Data: Your Internet Protocol (IP) address, browser type, device type, the specific pages (tools/reports) you view, the time and date of your visit, and referring website addresses.
  • Cookies and Tracking Technologies: We use cookies to maintain your logged-in session, remember personalized budgeting views, and analyze user engagement (e.g., via Google Analytics).

 

1.3 Data from Third-Party Financial APIs (If Applicable)

 

If you choose to link your financial accounts using a third-party service (e.g., [Insert API Provider, e.g., Plaid, Yodlee]), we receive data about your accounts and transactions from that service. We do not receive or store your banking login credentials.

 

2. How We Use Your Information

 

We process your Personal Data based on legal grounds (primarily fulfilling a contract or your explicit consent) for the following purposes:

  • To Provide Core Service: To display your financial data, calculate budgets, generate reports, and track your progress toward financial goals (Necessary for Contract Fulfillment).
  • To Personalize Tools: To customize the budgeting interface and offer insights based on your specific transaction history and spending habits.
  • To Process Subscriptions: To process payments and manage your access to premium features.
  • For Communication: To send you service alerts, security notifications, and, with your consent, personalized financial tips or promotional offers.
  • For Security and Compliance: To enforce our Terms of Service, monitor system health, and comply with all legal and regulatory obligations related to financial data.

 

3. Disclosure and Confidentiality of Your Financial Data (CRITICAL)

 

We do not sell your personal financial data (including transaction history, income, or account balances).

We share your information only with trusted third parties necessary to operate our service or when legally compelled.

  • Financial API Aggregators: We share information with service providers (e.g., Plaid) at your instruction to establish and maintain the link between your bank and our Service.
  • Service Providers: We use vendors for hosting, analytics, and email delivery. These providers are strictly bound by confidentiality agreements.
  • Anonymized Data: We may use and share aggregated and anonymized data (data that cannot be linked back to you) for internal analytics, reporting, and marketing purposes.
  • Legal Compliance: We may disclose your information if required by law, subpoena, or valid court order, especially concerning anti-money laundering regulations.

 

4. Your Data Protection Rights

 

Depending on your location, you have the following rights regarding your Personal Data, including your financial data:

  • Right to Access: The right to request copies of the Personal Data we hold about you.
  • Right to Rectification: The right to request that we correct any inaccurate or incomplete data.
  • Right to Deletion: The right to request that we delete your Personal Data and account.
  • Right to Withdraw Consent: The right to withdraw consent for processing activities based on consent (e.g., marketing).

To exercise any of these rights, please contact us using the details provided below.

 

5. Controlling Your Information

 

  • Account Linking: You can revoke access to your linked financial accounts at any time through your settings on MyTyballa.com or through the third-party API provider’s portal.
  • Opting Out of Marketing: You can unsubscribe from our promotional emails at any time by following the link provided in every email.
  • Managing Cookies: You can instruct your browser to refuse all cookies or manage preferences via our Cookie Consent Banner (if applicable).

 

6. Contact Us

 

If you have any questions or concerns about this Privacy Policy or our data handling practices, please contact us:

Email: [email protected]