Needle Expense Tracker ("we," "our," or "us") operates the Needle Expense Tracker personal finance platform, including our website at Needle Expense Tracker.io, mobile applications for Android, and related services (collectively, the "Service"). This Privacy Policy describes how we collect, use, disclose, and protect your personal information when you use our Service.
By using Needle Expense Tracker, you agree to the collection and use of information in accordance with this policy. If you do not agree with any part of this policy, please do not use our Service.
We will never sell your personal financial data to third parties. Your bank account details, transaction history, and spending patterns are yours — and we treat them with the highest level of care and encryption.
We collect different types of information depending on how you interact with Needle Expense Tracker. Here's a comprehensive breakdown:
By using Needle Expense Tracker, you agree to the collection and use of information in accordance with this policy. If you do not agree with any part of this policy, please do not use our Service.
| Data Category | Examples | Purpose | Required |
|---|---|---|---|
| Account Info | Name, email address, password (hashed), profile photo | Account creation & authentication | Yes |
| Financial Data | Transactions, institution names, account types, transaction categories and balance. | Financial analysis & management | Yes |
| Device Info | Device type, OS version, app version, unique device ID | App compatibility & troubleshooting | Auto |
| Usage Data | Features used, session duration, click patterns, navigation paths | Improving the app & personalization | Auto |
| Communication | Support tickets, survey responses, feedback, email preferences | Customer support & service updates | Optional |
| Location | Country, region, timezone (coarse location only) | Currency defaults & regional compliance | Optional |
We will never sell your personal financial data to third parties. Your data is used strictly to provide, maintain, and improve Needle Expense Tracker.
We use the information we collect to provide, maintain, and improve Needle Expense Tracker. Here are the specific ways we use your data:
Process transactions, display balances, generate budgets, and provide financial insights through your dashboard.
Automatically categorize transactions, detect spending patterns, and provide personalized budget recommendations.
Detect suspicious activity, prevent unauthorized access, and alert you to unusual transactions on your accounts.
Send account alerts, bill reminders, weekly spending summaries, and important service updates.
Understand how users interact with our platform to improve features, fix bugs, and optimize performance.
Show you targeted ads based on your financial habits and preferences.
Our AI models are trained on anonymized, aggregated data — never on individually identifiable financial records. Your personal transaction data is processed in real-time for categorization and insights but is never used to train shared models accessible to other users.
We do not sell, rent, or trade your personal information. We share data only in the following limited circumstances:
Cloud Infrastructure (AWS): Our services are hosted on Amazon Web Services. Data is encrypted at rest and in transit. AWS processes data on our behalf under strict contractual obligations.
Analytics: We use analytics to understand how users interact with our platform to improve features, fix bugs, and optimize performance.
Customer Support (Intercom): We use Intercom for customer support. Your data is used to provide personalized support and improve our customer service.
Legal Requirements: We may disclose information when required by law, court order, subpoena, or to protect the rights, safety, or property of Needle Expense Tracker, our users, or the public.
Advertisers, data brokers, credit bureaus, insurance companies, or any entity seeking to use your data for marketing, scoring, or profiling purposes. Period.
Protecting your financial data is our highest priority. We implement enterprise-grade security measures at every level of our infrastructure:
All data is encrypted using AES-256 encryption, ensuring that your financial information remains secure even if it is intercepted.
All data transmitted between our servers and your device is encrypted using TLS 1.3, ensuring that your financial information remains secure during transit.
We require two-factor authentication for all administrative actions, ensuring that only authorized personnel can access sensitive information.
Our architecture ensures that no single entity can access your financial data without your explicit consent.
We retain your data for as long as you use our services. After you terminate your account, we will retain and use your information as necessary to comply with our legal obligations, resolve disputes, and enforce our agreements.
Depending on your location, you may have the following rights regarding your personal data. We honor these rights for all users, regardless of jurisdiction:
Request a copy of all personal data we hold about you in a portable format.
Request corrections to inaccurate or incomplete personal data.
Request the deletion of your personal data.
Export your data in a structured, machine-readable format (JSON or CSV).
Withdraw your consent for data processing at any time.
Needle Expense Tracker is not intended for use by individuals under the age of 13 (or the applicable age of digital consent in your jurisdiction). We do not knowingly collect personal information from children.
If we become aware that we have inadvertently collected personal data from a child under 13, we will take immediate steps to delete that information from our servers. If you are a parent or guardian and believe your child has provided us with personal information, please contact us at privacy@needlexpense.com.
An account sharing feature allows multiple users to collaborate on a single expense tracker. This feature is available for users aged 13 and above.
We may update this Privacy Policy from time to time to reflect changes in our practices, technologies, legal requirements, or other factors. When we make changes, we will:
For significant changes that affect how we process your financial data, we will require explicit re-consent before the new terms apply to you. You always have the option to delete your account if you do not agree with policy changes.
We believe in transparency and trust. Our policy updates are designed to be clear, concise, and easy to understand. You can always view the latest version of our policy. We always notify you before any material changes take effect.
If you have any questions, concerns, or requests regarding this Privacy Policy or our data practices, we're here to help. You can reach our privacy team through any of the following channels:
For EU residents: If you believe we have not adequately addressed your data protection concerns, you have the right to lodge a complaint with your local supervisory authority. A list of EU data protection authorities can be found at edpb.europa.eu.
For California residents: Under the CCPA, you may also contact the California Attorney General's office at oag.ca.gov if you believe your rights have been violated.
This platform mainly works from India and Asia/Pacific regions. if you are from other regions, please contact us at support@needlexpense.com for any concerns.