Privacy Policy
Last Updated: January 22, 2025
Welcome to R4 Finance, your comprehensive personal finance management platform. We respect your privacy and are committed to protecting your personal data. This privacy policy explains how we handle your information when you use our financial management application.
1. Information We Collect
A. Personal Information
- Name and contact information (email address, phone number)
- Account credentials
- Profile information
- Financial information:
- Bank account details and balances
- Investment portfolio data
- Property valuations and details
- Debt information and payment schedules
- Income sources and transaction history
- Net worth calculations and history
B. Security Measures
- Bank-level encryption for all financial data
- Secure OAuth2 authentication
- Regular security audits and penetration testing
- Multi-factor authentication options
- Automated session management and timeout
2. How We Use Your Information
- Provide and maintain our services
- Process your financial transactions
- Send you important notifications
- Improve our services
- Detect and prevent fraud
- Comply with legal obligations
3. Data Security
We implement appropriate technical and organizational security measures to protect your personal information. These measures include encryption, secure servers, and regular security assessments.
4. Third-Party Services
We may use third-party services for:
- Analytics (Google Analytics)
- Authentication (Google Sign-In, Apple Sign-In)
- Payment processing
- Cloud storage
5. Your Rights
As a user of R4 Finance, you have the right to:
- Access and export your personal data in common formats
- Update or correct your information through the profile settings
- Delete your account and associated data
- Opt-out of non-essential communications
- Request information about data usage
6. International Data Transfers
Your information may be transferred to and processed in countries other than your country of residence. We ensure appropriate safeguards are in place to protect your data during such transfers.
7. Children's Privacy
Our services are not intended for users under 18 years of age. We do not knowingly collect personal information from children.
8. Changes to This Policy
We may update this privacy policy from time to time. We will notify you of any changes by posting the new policy on this page and updating the "Last updated" date.
9. Contact Us
If you have any questions about this privacy policy or our practices, please contact us at:
10. Compliance
This privacy policy complies with:
- General Data Protection Regulation (GDPR)
- California Consumer Privacy Act (CCPA)
- California Privacy Rights Act (CPRA)
- Personal Information Protection and Electronic Documents Act (PIPEDA)
- Australian Privacy Principles (APP)
- Lei Geral de Proteção de Dados (LGPD)
11. Third-Party Integrations
We may integrate with third-party services for:
- OAuth authentication (Google, Apple)
- Currency exchange rate data
- Financial market information
- Property valuation services