Nook to Nova ("we", "our", or "us") respects your privacy and is committed to protecting your personal data. This Privacy Policy describes how we collect, use, process, and disclose your information, including personal information, in conjunction with your access to and use of the Wealth Planner application (the "Service").

1. Information We Collect

We may collect and process the following categories of data when you use the Service:

• Account Data: Information you provide to create an account, such as your email address and profile name.
• Financial Data: Information relating to your budget, expenses, goals, and paychecks entered into the application. We employ encryption methodologies to safeguard this sensitive information.
• Usage Data: Information about your interactions with the Service, such as log data, IP addresses, and device identifiers.
• Third-Party Integrations: If you connect an AI provider via API keys, those keys are stored locally on your device or securely encrypted on our servers. We do not transmit your financial data to third-party AI models without your explicit, configuration-driven consent.

2. How We Use Your Information

We use, store, and process your personal information to:

• Provide, understand, improve, and develop the Service.
• Create and maintain a trusted and safer environment (e.g., fraud detection, prevention).
• Synchronize your data across multiple devices when you explicitly enable the "Remote Cloud Sync" feature.
• Provide customer service and technical support.

3. Data Storage and Security

By default, Wealth Planner attempts to store your data locally on your device to maximize privacy. If you opt into Remote Cloud Sync, your data is securely transmitted and stored on our remote servers using industry-standard encryption protocols. While we strive to use commercially acceptable means to protect your personal data, we cannot guarantee its absolute security against unauthorized intrusion.

4. Data Retention

We retain your personal information for as long as is necessary for the performance of the contract between you and us and to comply with our legal obligations. If you wish to erase your data, you may utilize the "Erase Everything" functionality within the application settings, which will permanently delete your records from your device and our active sync servers.

5. Your Rights

Depending on your jurisdiction, you may have the right to request access to, correct, or delete your personal data. You may also have the right to object to or restrict certain processing of your data. To exercise these rights, please contact us via our official channels at Nook to Nova.

6. Changes to This Privacy Policy

We reserve the right to modify this Privacy Policy at any time in accordance with this provision. If we make changes, we will post the revised Privacy Policy on the Service and update the "Last Updated" date at the top of this document.