Privacy Policy for Bloomeo

<pre><code>Last updated: February 4th, 2025 Welcome to Bloomeo - Save &amp; Retire Early. This Privacy Policy explains how we collect, use, and protect your personal data when you use our mobile application. By using Bloomeo, you agree to this Privacy Policy. Bloomeo is owned and operated by Vivien Mahé, an individual based in France. 1. Data We Collect We collect the following types of personal data, which you provide directly within the app: - Identity Data: Name, email address - Financial Data: Income, expenses, manually entered bank accounts - Usage Data: App interactions, analytics data We do not collect sensitive financial data such as actual bank account details via external connections. 2. How We Use Your Data We use your data for the following purposes: - To provide app features (financial tracking, budget planning, savings insights) - To improve user experience based on app usage patterns - To manage user authentication (Google Sign-In, Apple Sign-In, email/password) - To handle subscription payments (via RevenueCat) We do not use your data for marketing, targeted advertising, or third-party sales. 3. How Users Give Consent Since the data collected is essential for app functionality, consent is given through user input during onboarding. By entering your data and using Bloomeo, you agree to this Privacy Policy. 4. Your Rights Under GDPR, CCPA, and other applicable laws, you have the following rights: - Right to Access: Request a copy of your data. - Right to Correct: Update or correct inaccurate data. - Right to Delete: Request deletion of your data at any time. To exercise these rights, contact us at contact@bloomeo.app or visit https://bloomeo.app. 5. Data Sharing with Third Parties We only share data with essential service providers: - Firebase Firestore: Stores user data securely (all user-entered data) - Google Analytics (Firebase): Tracks app usage for improvements (usage data) - RevenueCat: Manages subscription payments (email address) These third parties comply with GDPR and other applicable regulations. 6. International Data Transfers All data is stored within Firebase on EU-based servers. Firebase follows Standard Contractual Clauses (SCCs) to ensure GDPR compliance. 7. Data Security We implement the following security measures: - Encrypted HTTPS connections to protect data in transit - Secure authentication via Google Sign-In, Apple Sign-In, and email/password - Access control measures to prevent unauthorized access 8. Data Retention &amp; Deletion Your data is stored as long as you use the app. If you request account deletion, your data will be permanently deleted. To delete your data, contact us at contact@bloomeo.app. 9. Cookies &amp; Tracking Technologies We use Firebase Analytics for tracking app usage. As this is essential for app improvements, users cannot opt out of this tracking. 10. In-App Purchases &amp; Subscriptions Bloomeo offers a subscription-based model with a free trial and a one-time lifetime purchase option. Payments are processed via Apple App Store and Google Play Store. We do not store or process payment details such as credit card or billing information. Payments are securely handled by Apple and Google, following their respective privacy policies: - Apple: https://www.apple.com/legal/privacy/data/en/app-store - Google: https://policies.google.com/privacy Subscription management (activation, renewal, cancellation) is handled by RevenueCat, which processes your email to verify purchases. To manage or cancel your subscription, visit: - Apple: https://support.apple.com/en-us/HT202039 - Google: https://support.google.com/googleplay/answer/7018481 11. Compliance with Global Privacy Laws - GDPR (Europe): You have full rights to access, correct, or delete your data. - CCPA (California): We do not sell user data, and California users can request data deletion. - LGPD (Brazil): Brazilian users can exercise their data protection rights as outlined in this policy. 12. Updates to the Privacy Policy We may update this Privacy Policy to reflect changes in our app or legal requirements. Updates will be posted on https://privacy.bloomeo.app. Continued use of Bloomeo after updates means you accept the revised Privacy Policy. 13. Contact Us If you have any questions or requests regarding your data, you may contact us at: Email: contact@bloomeo.app Website: https://bloomeo.app Thank you for using Bloomeo.</code></pre>