Getting Started with Budget Audit

Welcome to Budget Audit! This documentation should get you started on all you need to start managing your finances better.

A. Setting Up Accounts

1. First Time Setup

When you launch Budget Audit for the first time, you'll be prompted to create your initial account. Note: This first account automatically becomes the Manager Account, giving you full administrative privileges.

After account creation, you'll be automatically directed to the budgeting page. To add additional users or manage existing ones, navigate to the settings menu via the menu bar at the top-left of the application.

Manager Privileges

As a Manager, you have the authority to:

Edit all user accounts and their details
Add and remove participants
Delete budgets you've authored
Manage all vendor-account associations

Important: A Manager account cannot be deleted. To transfer manager rights, update the manager's profile details to reflect the new owner's information—this effectively hands over administrative control.

2. Adding Additional Participants

If multiple people will be using Budget Audit (household members, roommates, etc.):

Open the menu bar (top-left corner)
Select Settings
Navigate to Manage Participants
Click Add Participant and fill in their details

Participants can have transactions and budgets assigned to them specifically, allowing you to track individual spending within shared budgets.

B. Creating a Budget

You can start a budget in three ways: create one manually, use a pre-built template, or import a previous budget.

Option 1: Manual Creation

Step-by-Step Process:

1. Select a Budget Period

Choose how long this budget will cover. This is crucial for accurate analytics and spending tracking.

Available Periods:

• Monthly
• Quarterly (3 months)
• Semi-annually (6 months)
• Annually (12 months)
• Custom (specify number of months)

2. Create Categories

Categories are broad groupings of related expenses. Examples: "Groceries," "Transportation," "Entertainment," "Utilities."

3. Create Accounts Within Categories

Accounts are specific line items within each category. For example, under "Transportation" you might have accounts for "Fuel," "Public Transit," and "Ride-sharing."

4. Assign Budget Amounts

For each account, enter how much money you plan to allocate over the selected period.

5. (Optional) Associate Participants

If you've added multiple users, you can assign specific accounts to individuals to track their personal spending.

Budget Creation Rules:

Each Category must have at least one account and cannot use the default name
Each Account must have a budgeted amount greater than 0.00
Associating accounts with participants is optional

Keyboard Shortcuts:

Press Enter to jump to the next field
Pressing Enter on an empty participant field will skip it

💡 Pro Tip

Always collapse categories after completing them! A yellow banner will appear below your budget if anything is incomplete.

When you minimize a category, an "incomplete" tag will appear if any account within it needs attention. This helps you avoid missing required fields before saving.

Option 2: Using Templates

Select Import on the budget template screen
Browse the available preset budgets
Adjust the budget period if needed
Click Adopt to load the template

Note: Adopting a template will overwrite any draft work currently in your budgeting canvas.

Option 3: Importing Previous Budgets

Select Import to view previously created budgets
Expand a budget to see its details
Click Adopt to restore that configuration

Note: This will replace any unsaved draft work in your current canvas.

Critical: Budget Management Best Practice

Always update existing budgets rather than creating new ones from scratch.

Here's why: Budget Audit learns vendor-to-account associations over time to automate transaction labeling. When you delete a budget and create a new one, all these learned associations are lost, and you'll need to re-train the system from scratch. Instead, modify your existing budget to preserve this valuable automation.

What Happens When You Change Budgets?

Switching to a different budget affects your analytics view. Since budgets are tied to specific time periods and transactions, changing your active budget will update all analytics to show data from that budget's period. You cannot mix analytics from multiple budgets in a single view.

C. Financial Documents & Analytics

Complete Privacy Guarantee

All transaction extraction and processing happens 100% offline on your device. Your bank statements never leave your computer. No data is sent to external servers during this process.

1. Adding Transaction Statements

Before you can generate analytics, you need to import your bank or credit card transaction statements. Navigate to the Home Page to begin.
PS: Ensure you have created and are using the correct budget before running this.

Step-by-Step Upload Process:

1
Select Your Financial Institution
Choose your bank from the list. If your bank isn't listed, select "More" to upload generic OFX or CSV files.
If the your bank is listed, the PDF type document is expected.
2
Browse for Your Document
This will allow you to explore PDF if you chose a specific bank. Should a generic institution was chosen using the Custom option you shall be able to choose a document matching the type you chose e.g., CSV
3
Enter Document Password (if required)
Some banks protect statements with passwords. Enter it when prompted.
4
Assign a Document Owner
Select which participant this statement belongs to. This helps track individual spending in shared budgets.
5
Verify & Add More (It is optional to add more, this is only meant to verify and allow you to add more)
Review the document details. You can add multiple documents before proceeding to extraction.
6
Run Audit
Click Run Audit to begin extracting all transactions from your statement(s). This happens entirely on your device.

If you realize that run audit is grey and inactive at this point, please ensure you have an active budget created and selected.

Document entering interface showing steps

Alternative Formats Supported File Formats (Beta)

OFX and CSV support is currently in beta testing. Formatting varies significantly between banks.

If upload fails: Please report the issue to victorkithinji@outlook.com with your bank name. The parsers will be updated to support your institution.

2. Labeling Transactions

After extraction, you'll need to associate each transaction with an account in your budget. Budget Audit will remember your choices and automate future labeling.

How the Learning System Works

Budget Audit remembers vendor-to-account associations. The first time you label a transaction from "Starbucks" as "Coffee & Dining," future Starbucks transactions will automatically be suggested for that same account. The more you use the app, the more personalized Budget Audit becomes.

Understanding Transaction Categories

Transactions are organized into four intelligence levels based on how well the application recognizes them:

🔴 UnrecognizedInput Needed

Input Required. Budget Audit has never seen this vendor before. You must manually select the appropriate account.

🟡 SemblanceAuto

Closely resembles a known vendor (e.g., 'Uber' vs 'Uber Eats'). The app makes an educated guess, but review is strongly advised.

🟠 AmbiguousAuto

Vendor is recognized but has been used for multiple different accounts in the past. App assigns the most recent association—verify it's correct.

🟢 SureAuto

Vendor has only ever been associated with one specific account. High confidence—but you can still override if needed.

Transaction labeling interface showing categorized transactions

Advanced Transaction Features

Auto-Update Vendors

When you assign an account to a transaction, Budget Audit checks if other unlabeled transactions from the same vendor exist.

Example Pop-up:

Update all vendors?

You have assigned "Uber" to "Daily Commute"

(!) Found 3 other transactions with "Uber" that haven't been labeled yet.

Would you like to update all of them to this account?

Don't ask me again for all other vendors

Tip: If you check "Don't ask me again," you can re-enable the prompt by toggling the "Auto-update Vendors" option at the top of the transaction list.

Splitting Transactions

Need to divide a single transaction across multiple budget accounts? You can split any transaction indefinitely.

How to Split:

Expand the transaction (click the arrow on the far right)
Click Split Transaction
Enter the amount for the new split
Select the account for this split portion
The original transaction amount automatically adjusts

⚠️ Known Bug:

After splitting, the new transaction may not show the assigned account. You'll need to manually select it again. A patch is coming soon.

Ignoring Transactions

Some transactions don't belong in your budget analysis (transfers between your own accounts, refunds, etc.). You can exclude them:

Expand the transaction
Click Ignore Transaction
The transaction will be excluded from all analytics

Preventing Future Auto-Association

If a vendor assignment is a one-time exception (e.g., you bought gas from a grocery store just once), you can prevent Budget Audit from remembering this association:

Expand the transaction
Uncheck Remember this association
This vendor-account link won't be saved for future transactions

💡 Power User Workflow

For fastest labeling, work through transactions in this order:

Review and correct Semblance transactions (similar vendor names)
Verify Ambiguous assignments are appropriate
Label all Unrecognized vendors
Spot-check Sure transactions for accuracy
Use the right arrow → to proceed to the next document
Click Complete Audit when all documents are processed

3. Understanding Analytics

Once you've labeled your transactions, navigate to the Analytics tab from the menu to visualize your financial data. Budget Audit provides two main analysis views.

Analytics Controls

At the top of the Analytics page, you'll find powerful filtering options:

Budget Selector

Switch between different budgets you've created. Important: Changing budgets updates all graphs to show data from that budget's time period. You cannot mix data from multiple budgets in one view.

Period Navigation

Move forward or backward through time periods. By default, the view shows the most recent period with transaction data.

Period Step Size: Choose how data is grouped (Daily, Weekly, Monthly, Quarterly, Semi-annually, Annually). Note: You cannot select a step size equal to or larger than your budget period.

Participant Filter

All (Average): Shows combined data from all participants
Individual Participant: View spending data for just one person

Budget Analytics Tab

Visualize your planned resource allocation and priorities

1. Budget by Category (Pie Chart)

This pie chart shows what percentage of your total budget is allocated to each category.

Example:

• Groceries: 30% of total budget
• Transportation: 20% of total budget
• Entertainment: 15% of total budget
• Utilities: 35% of total budget

2. Account Breakdown (Bar Chart)

This companion chart shows the detailed breakdown of accounts within the selected category slice from the pie chart. By default, it displays the largest category.

How to use:

• Click any slice of the pie chart
• The bar chart updates to show all accounts in that category
• Each bar represents the budgeted amount for that specific account

Expenditure Analytics Tab

Track actual spending against your planned budget

1. Expenditure vs Budget (Line Graph)

This graph tracks what percentage of your total budget has been consumed over time within the current period.

How it works:

• Starts at 0% at the beginning of each budget period
• Gradually increases toward 100% as you spend
• Each budget period is treated independently
• Helps you see if you're on track or overspending early

📈 Two Analysis Views Available

Toggle between these modes to see different perspectives on your spending:

🔍 Spending Deep Dive

Visual graphs and charts for pattern analysis

📝 Detailed Analysis

Ordered lists ranked by usage percentage

Spending Deep Dive

A. Resource Allocation by Category

Similar to the Budget Analytics view, but shows actual spending rather than planned budgets.

Spending by Category (Pie Chart):

• Takes your total expenditure for the period as 100%
• Shows what portion went to each category
• Example: If you spent $1,000 total, and $300 went to groceries, the Groceries slice is 30%

Account Breakdown (Bar Chart):

• Shows accounts within the selected category
• Key difference: Each bar represents the ratio of amount spent to amount budgeted
• Bars can exceed 100% if you overspent that account
• Each bar is independent (unlike budget view where they show absolute amounts)

B. Daily Spending Pattern (Bar Graph)

Shows what percentage of your total budget was consumed each day during the period.

Insights you can gain:

• Spot spending spikes (e.g., high spending on weekends or payday)
• Identify patterns like heavy spending early in the period
• All daily bars together add up to 100% of your period's spending
• Useful for understanding your spending rhythm and adjusting behavior

Detailed Analysis

A. Categories by Usage

A ranked list of all budget categories sorted by usage percentage (ratio of expenditure to budget), highest first.

What you'll see for each category:

• Total amount spent
• Total amount budgeted
• Usage percentage (spent ÷ budgeted × 100)
• Expandable details: List of all accounts within the category with their individual totals and percentages

This helps you quickly identify which categories are consuming budget fastest and which specific accounts are driving those numbers.

B. Accounts by Usage

All budget accounts ranked by usage percentage, regardless of category.

Quickly see which individual line items are using the most budget, helping you prioritize where to cut spending if needed.

C. Vendors by Total Spending

A complete list of all vendors you've spent money with, sorted by total amount spent (highest first).

Use this to:

• Identify your most expensive vendors
• Spot subscription services or recurring charges
• Find opportunities to negotiate better rates or switch providers
• Understand where your money actually goes beyond category abstractions

💡 Analytics Pro Tips

•Use Daily step size to spot exact dates of large purchases
•Compare Budget Analytics with Expenditure Analytics to see where your priorities differ from your actual behavior
•Check the Vendors by Total Spending list monthly to catch unwanted subscriptions
•If you're consistently overspending in a category, expand it in Categories by Usage to find which specific accounts are the culprits

D. Settings & Management

Access settings via the top-left menu bar.

Profile & Participants

Update your details. Managers can add/edit participants here. (Note: Handover admin rights by editing manager details).

Vendor Management

View and delete Vendor-Account associations. Deleting here removes the "memory" for future audits.

E. How Data is Handled

100% Local Processing

Your financial data never leaves your device. All transaction extraction, analysis, and processing happens entirely on your local machine. When you upload bank statements, they are analyzed using your device's computing power—no servers, no cloud storage, no external transmission.

What this means for you:

No risk of data breaches on remote servers
Complete control over your financial information
Works offline—no internet connection required for core features

Opt-In Online Features

Any feature that requires online connectivity is completely optional and requires your explicit consent. You will always be informed about:

What data is being shared
Why it's needed for the feature to work
Where it's being sent (third-party services)
How to disable the feature if you change your mind

Budget Audit will never enable online features without your knowledge or permission. If you choose to keep everything offline, all core functionality remains available.

Future Export Capabilities

Planned future versions may support exporting your financial data to formats like Excel or Google Sheets for further analysis.

⚠️ Important Disclosure

When you choose to export to third-party services like Google Sheets, your financial data will be shared with those providers according to their terms of service and privacy policies, not ours. Budget Audit acts only as a facilitator for this export—you are choosing to trust the third-party service with your data.

Standard file exports (e.g., downloading a CSV to your device) remain completely private with no third-party involvement.

Account Recovery Features (Future)

Future versions may include optional cloud-based account recovery features (password reset, multi-device sync). If implemented, these features would require sharing minimal personal information with Budget Audit servers:

Username
Email address

Data Usage Promise:

This information would be used exclusively for account recovery and authentication purposes. It would never be sold, shared with third parties for marketing, or used for any purpose other than enabling the specific features you've opted into.

Note: These features do not currently exist and will be clearly marked as optional when introduced.

Future AI-Powered Budget Creation

Future versions may include AI-powered features where you can describe your financial situation to an AI assistant (Large Language Model) to generate personalized budget recommendations.

AI & Data Privacy

To generate your budget using AI, budget audit relies on providers like OpenAI and Anthropic. Before you start, please keep these privacy practices in mind:

Data Processing

AI providers may use shared data to improve their future models. Information shared here is permanent.

Best Practices

Never share account numbers or passwords, account number or any personal information
Be careful as you share personal financial details

Note: These AI features do not currently exist. When introduced, they will be clearly labeled as experimental with prominent privacy warnings.

F. Privacy Notice

Legal Agreement

Please review the full terms below.

PRIVACY NOTICE

Last updated January 22, 2026

This Privacy Notice for __________ ('we', 'us', or 'our'), describes how and why we might access, collect, store, use, and/or share ('process') your personal information when you use our services ('Services'), including when you:

Download and use our mobile application (Budget Audit), or any other application of ours that links to this Privacy Notice

Use Budget Audit. A platform for budgeting and expenditure analysis

Engage with us in other related ways, including any marketing or events

Questions or concerns? Reading this Privacy Notice will help you understand your privacy rights and choices. We are responsible for making decisions about how your personal information is processed. If you do not agree with our policies and practices, please do not use our Services. If you still have any questions or concerns, please contact us at victorkithini@outlook.com.

SUMMARY OF KEY POINTS

This summary provides key points from our Privacy Notice, but you can find out more details about any of these topics by clicking the link following each key point or by using our table of contents below to find the section you are looking for.

What personal information do we process? When you visit, use, or navigate our Services, we may process personal information depending on how you interact with us and the Services, the choices you make, and the products and features you use. Learn more about personal information you disclose to us.

Do we process any sensitive personal information? Some of the information may be considered 'special' or 'sensitive' in certain jurisdictions, for example your racial or ethnic origins, sexual orientation, and religious beliefs. We may process sensitive personal information when necessary with your consent or as otherwise permitted by applicable law. Learn more about sensitive information we process.

Do we collect any information from third parties? We do not collect any information from third parties.

How do we process your information? We process your information to provide, improve, and administer our Services, communicate with you, for security and fraud prevention, and to comply with law. We may also process your information for other purposes with your consent. We process your information only when we have a valid legal reason to do so. Learn more about how we process your information.

In what situations and with which parties do we share personal information? We may share information in specific situations and with specific third parties. Learn more about when and with whom we share your personal information.

How do we keep your information safe? We have adequate organisational and technical processes and procedures in place to protect your personal information. However, no electronic transmission over the internet or information storage technology can be guaranteed to be 100% secure, so we cannot promise or guarantee that hackers, cybercriminals, or other unauthorised third parties will not be able to defeat our security and improperly collect, access, steal, or modify your information. Learn more about how we keep your information safe.

What are your rights? Depending on where you are located geographically, the applicable privacy law may mean you have certain rights regarding your personal information. Learn more about your privacy rights.

How do you exercise your rights? The easiest way to exercise your rights is by submitting a data subject access request, or by contacting us. We will consider and act upon any request in accordance with applicable data protection laws.

Want to learn more about what we do with any information we collect? Review the Privacy Notice in full.

TABLE OF CONTENTS

1. WHAT INFORMATION DO WE COLLECT?

2. HOW DO WE PROCESS YOUR INFORMATION?

3. WHAT LEGAL BASES DO WE RELY ON TO PROCESS YOUR PERSONAL INFORMATION?

4. WHEN AND WITH WHOM DO WE SHARE YOUR PERSONAL INFORMATION?

5. DO WE OFFER ARTIFICIAL INTELLIGENCE-BASED PRODUCTS?

6. HOW LONG DO WE KEEP YOUR INFORMATION?

7. HOW DO WE KEEP YOUR INFORMATION SAFE?

8. DO WE COLLECT INFORMATION FROM MINORS?

9. WHAT ARE YOUR PRIVACY RIGHTS?

10. CONTROLS FOR DO-NOT-TRACK FEATURES

11. DO UNITED STATES RESIDENTS HAVE SPECIFIC PRIVACY RIGHTS?

12. DO WE MAKE UPDATES TO THIS NOTICE?

13. HOW CAN YOU CONTACT US ABOUT THIS NOTICE?

14. HOW CAN YOU REVIEW, UPDATE, OR DELETE THE DATA WE COLLECT FROM YOU?

1. WHAT INFORMATION DO WE COLLECT?
Personal information you disclose to us
In Short: We collect personal information that you provide to us.

We collect personal information that you voluntarily provide to us when you register on the Services, express an interest in obtaining information about us or our products and Services, when you participate in activities on the Services, or otherwise when you contact us.

Personal Information Provided by You. The personal information that we collect depends on the context of your interactions with us and the Services, the choices you make, and the products and features you use. The personal information we collect may include the following:

names

email addresses

usernames

passwords

financial transactions

Sensitive Information. When necessary, with your consent or as otherwise permitted by applicable law, we process the following categories of sensitive information:

financial data

Application Data. If you use our application(s), we also may collect the following information if you choose to provide us with access or permission:

Mobile Device Access. We may request access or permission to certain features from your mobile device, including your mobile device's storage, and other features. If you wish to change our access or permissions, you may do so in your device's settings.

Push Notifications. We may request to send you push notifications regarding your account or certain features of the application(s). If you wish to opt out from receiving these types of communications, you may turn them off in your device's settings.

This information is primarily needed to maintain the security and operation of our application(s), for troubleshooting, and for our internal analytics and reporting purposes.

All personal information that you provide to us must be true, complete, and accurate, and you must notify us of any changes to such personal information.

2. HOW DO WE PROCESS YOUR INFORMATION?
In Short: We process your information to provide, improve, and administer our Services, communicate with you, for security and fraud prevention, and to comply with law. We may also process your information for other purposes with your consent.

We process your personal information for a variety of reasons, depending on how you interact with our Services, including:

To facilitate account creation and authentication and otherwise manage user accounts. We may process your information so you can create and log in to your account, as well as keep your account in working order.

To deliver and facilitate delivery of services to the user. We may process your information to provide you with the requested service.

To save or protect an individual's vital interest. We may process your information when necessary to save or protect an individual’s vital interest, such as to prevent harm.

3. WHAT LEGAL BASES DO WE RELY ON TO PROCESS YOUR INFORMATION?
In Short: We only process your personal information when we believe it is necessary and we have a valid legal reason (i.e. legal basis) to do so under applicable law, like with your consent, to comply with laws, to provide you with services to enter into or fulfil our contractual obligations, to protect your rights, or to fulfil our legitimate business interests.

If you are located in the EU or UK, this section applies to you.

The General Data Protection Regulation (GDPR) and UK GDPR require us to explain the valid legal bases we rely on in order to process your personal information. As such, we may rely on the following legal bases to process your personal information:

Consent. We may process your information if you have given us permission (i.e. consent) to use your personal information for a specific purpose. You can withdraw your consent at any time. Learn more about withdrawing your consent.

Performance of a Contract. We may process your personal information when we believe it is necessary to fulfil our contractual obligations to you, including providing our Services or at your request prior to entering into a contract with you.

Legal Obligations. We may process your information where we believe it is necessary for compliance with our legal obligations, such as to cooperate with a law enforcement body or regulatory agency, exercise or defend our legal rights, or disclose your information as evidence in litigation in which we are involved.

Vital Interests. We may process your information where we believe it is necessary to protect your vital interests or the vital interests of a third party, such as situations involving potential threats to the safety of any person.

4. WHEN AND WITH WHOM DO WE SHARE YOUR PERSONAL INFORMATION?
In Short: We may share information in specific situations described in this section and/or with the following third parties.

We may need to share your personal information in the following situations:

Business Transfers. We may share or transfer your information in connection with, or during negotiations of, any merger, sale of company assets, financing, or acquisition of all or a portion of our business to another company.

Affiliates. We may share your information with our affiliates, in which case we will require those affiliates to honour this Privacy Notice. Affiliates include our parent company and any subsidiaries, joint venture partners, or other companies that we control or that are under common control with us.

5. DO WE OFFER ARTIFICIAL INTELLIGENCE-BASED PRODUCTS?
In Short: We offer products, features, or tools powered by artificial intelligence, machine learning, or similar technologies.

As part of our Services, we offer products, features, or tools powered by artificial intelligence, machine learning, or similar technologies (collectively, 'AI Products'). These tools are designed to enhance your experience and provide you with innovative solutions. The terms in this Privacy Notice govern your use of the AI Products within our Services.

Use of AI Technologies

We provide the AI Products through third-party service providers ('AI Service Providers'), including Meta AI. As outlined in this Privacy Notice, your input, output, and personal information will be shared with and processed by these AI Service Providers to enable your use of our AI Products for purposes outlined in 'WHAT LEGAL BASES DO WE RELY ON TO PROCESS YOUR PERSONAL INFORMATION?' You must not use the AI Products in any way that violates the terms or policies of any AI Service Provider.

Our AI Products

Our AI Products are designed for the following functions:

AI automation

How We Process Your Data Using AI

All personal information processed using our AI Products is handled in line with our Privacy Notice and our agreement with third parties. This ensures high security and safeguards your personal information throughout the process, giving you peace of mind about your data's safety.

How to Opt Out

We believe in giving you the power to decide how your data is used. To opt out, you can:

Refuse to opt in

6. HOW LONG DO WE KEEP YOUR INFORMATION?
In Short: We keep your information for as long as necessary to fulfil the purposes outlined in this Privacy Notice unless otherwise required by law.

We will only keep your personal information for as long as it is necessary for the purposes set out in this Privacy Notice, unless a longer retention period is required or permitted by law (such as tax, accounting, or other legal requirements). No purpose in this notice will require us keeping your personal information for longer than the period of time in which users have an account with us.

When we have no ongoing legitimate business need to process your personal information, we will either delete or anonymise such information, or, if this is not possible (for example, because your personal information has been stored in backup archives), then we will securely store your personal information and isolate it from any further processing until deletion is possible.

7. HOW DO WE KEEP YOUR INFORMATION SAFE?
In Short: We aim to protect your personal information through a system of organisational and technical security measures.

We have implemented appropriate and reasonable technical and organisational security measures designed to protect the security of any personal information we process. However, despite our safeguards and efforts to secure your information, no electronic transmission over the Internet or information storage technology can be guaranteed to be 100% secure, so we cannot promise or guarantee that hackers, cybercriminals, or other unauthorised third parties will not be able to defeat our security and improperly collect, access, steal, or modify your information. Although we will do our best to protect your personal information, transmission of personal information to and from our Services is at your own risk. You should only access the Services within a secure environment.

8. DO WE COLLECT INFORMATION FROM MINORS?
In Short: We do not knowingly collect data from or market to children under 18 years of age.

We do not knowingly collect, solicit data from, or market to children under 18 years of age, nor do we knowingly sell such personal information. By using the Services, you represent that you are at least 18 or that you are the parent or guardian of such a minor and consent to such minor dependent’s use of the Services. If we learn that personal information from users less than 18 years of age has been collected, we will deactivate the account and take reasonable measures to promptly delete such data from our records. If you become aware of any data we may have collected from children under age 18, please contact us at victorkithinji@outlook.com.

9. WHAT ARE YOUR PRIVACY RIGHTS?
In Short: Depending on your state of residence in the US or in some regions, such as the European Economic Area (EEA), United Kingdom (UK), and Switzerland, you have rights that allow you greater access to and control over your personal information. You may review, change, or terminate your account at any time, depending on your country, province, or state of residence.

In some regions (like the EEA, UK, and Switzerland), you have certain rights under applicable data protection laws. These may include the right (i) to request access and obtain a copy of your personal information, (ii) to request rectification or erasure; (iii) to restrict the processing of your personal information; (iv) if applicable, to data portability; and (v) not to be subject to automated decision-making. In certain circumstances, you may also have the right to object to the processing of your personal information. You can make such a request by contacting us by using the contact details provided in the section 'HOW CAN YOU CONTACT US ABOUT THIS NOTICE?' below.

We will consider and act upon any request in accordance with applicable data protection laws.

If you are located in the EEA or UK and you believe we are unlawfully processing your personal information, you also have the right to complain to your Member State data protection authority or UK data protection authority.

If you are located in Switzerland, you may contact the Federal Data Protection and Information Commissioner.

Withdrawing your consent: If we are relying on your consent to process your personal information, which may be express and/or implied consent depending on the applicable law, you have the right to withdraw your consent at any time. You can withdraw your consent at any time by contacting us by using the contact details provided in the section 'HOW CAN YOU CONTACT US ABOUT THIS NOTICE?' below or updating your preferences.

However, please note that this will not affect the lawfulness of the processing before its withdrawal nor, when applicable law allows, will it affect the processing of your personal information conducted in reliance on lawful processing grounds other than consent.
Account Information
If you would at any time like to review or change the information in your account or terminate your account, you can:

Upon your request to terminate your account, we will deactivate or delete your account and information from our active databases. However, we may retain some information in our files to prevent fraud, troubleshoot problems, assist with any investigations, enforce our legal terms and/or comply with applicable legal requirements.

If you have questions or comments about your privacy rights, you may email us at victorkithini@outlook.com.

10. CONTROLS FOR DO-NOT-TRACK FEATURES
Most web browsers and some mobile operating systems and mobile applications include a Do-Not-Track ('DNT') feature or setting you can activate to signal your privacy preference not to have data about your online browsing activities monitored and collected. At this stage, no uniform technology standard for recognising and implementing DNT signals has been finalised. As such, we do not currently respond to DNT browser signals or any other mechanism that automatically communicates your choice not to be tracked online. If a standard for online tracking is adopted that we must follow in the future, we will inform you about that practice in a revised version of this Privacy Notice.

California law requires us to let you know how we respond to web browser DNT signals. Because there currently is not an industry or legal standard for recognising or honouring DNT signals, we do not respond to them at this time.

11. DO UNITED STATES RESIDENTS HAVE SPECIFIC PRIVACY RIGHTS?
In Short: If you are a resident of California, Colorado, Connecticut, Delaware, Florida, Indiana, Iowa, Kentucky, Maryland, Minnesota, Montana, Nebraska, New Hampshire, New Jersey, Oregon, Rhode Island, Tennessee, Texas, Utah, or Virginia, you may have the right to request access to and receive details about the personal information we maintain about you and how we have processed it, correct inaccuracies, get a copy of, or delete your personal information. You may also have the right to withdraw your consent to our processing of your personal information. These rights may be limited in some circumstances by applicable law. More information is provided below.
Categories of Personal Information We Collect
The table below shows the categories of personal information we have collected in the past twelve (12) months. The table includes illustrative examples of each category and does not reflect the personal information we collect from you. For a comprehensive inventory of all personal information we process, please refer to the section 'WHAT INFORMATION DO WE COLLECT?'

Category	Examples	Collected
A. Identifiers	Contact details, such as real name, alias, postal address, telephone or mobile contact number, unique personal identifier, online identifier, Internet Protocol address, email address, and account name	YES

B. Personal information as defined in the California Customer Records statute

Name, contact information, education, employment, employment history, and financial information

YES

C. Protected classification characteristics under state or federal law	Gender, age, date of birth, race and ethnicity, national origin, marital status, and other demographic data	YES
D. Commercial information	Transaction information, purchase history, financial details, and payment information	YES
E. Biometric information	Fingerprints and voiceprints	NO
F. Internet or other similar network activity	Browsing history, search history, online behaviour, interest data, and interactions with our and other websites, applications, systems, and advertisements	NO
G. Geolocation data	Device location	NO
H. Audio, electronic, sensory, or similar information	Images and audio, video or call recordings created in connection with our business activities	NO
I. Professional or employment-related information	Business contact details in order to provide you our Services at a business level or job title, work history, and professional qualifications if you apply for a job with us	NO
J. Education Information	Student records and directory information	NO
K. Inferences drawn from collected personal information	Inferences drawn from any of the collected personal information listed above to create a profile or summary about, for example, an individual’s preferences and characteristics	NO
L. Sensitive personal Information	Account login information	YES

We only collect sensitive personal information, as defined by applicable privacy laws or the purposes allowed by law or with your consent. Sensitive personal information may be used, or disclosed to a service provider or contractor, for additional, specified purposes. You may have the right to limit the use or disclosure of your sensitive personal information. We do not collect or process sensitive personal information for the purpose of inferring characteristics about you.

We may also collect other personal information outside of these categories through instances where you interact with us in person, online, or by phone or mail in the context of:

Receiving help through our customer support channels;

Participation in customer surveys or contests; and

Facilitation in the delivery of our Services and to respond to your inquiries.

We will use and retain the collected personal information as needed to provide the Services or for:

Category A - As long as the user has an account with us

Category B - As long as the user has an account with us

Category C - As long as the user has an account with us

Category D - As long as the user has an account with us

Category L - As long as the user has an account with us

Sources of Personal Information
Learn more about the sources of personal information we collect in 'WHAT INFORMATION DO WE COLLECT?'How We Use and Share Personal Information
Learn more about how we use your personal information in the section, 'HOW DO WE PROCESS YOUR INFORMATION?'

Will your information be shared with anyone else?

We may disclose your personal information with our service providers pursuant to a written contract between us and each service provider. Learn more about how we disclose personal information to in the section, 'WHEN AND WITH WHOM DO WE SHARE YOUR PERSONAL INFORMATION?'

We may use your personal information for our own business purposes, such as for undertaking internal research for technological development and demonstration. This is not considered to be 'selling' of your personal information.

We have not disclosed, sold, or shared any personal information to third parties for a business or commercial purpose in the preceding twelve (12) months. We will not sell or share personal information in the future belonging to website visitors, users, and other consumers.

Your Rights
You have rights under certain US state data protection laws. However, these rights are not absolute, and in certain cases, we may decline your request as permitted by law. These rights include:

Right to know whether or not we are processing your personal data

Right to access your personal data

Right to correct inaccuracies in your personal data

Right to request the deletion of your personal data

Right to obtain a copy of the personal data you previously shared with us

Right to non-discrimination for exercising your rights

Right to opt out of the processing of your personal data if it is used for targeted advertising (or sharing as defined under California’s privacy law), the sale of personal data, or profiling in furtherance of decisions that produce legal or similarly significant effects ('profiling')

Depending upon the state where you live, you may also have the following rights:

Right to access the categories of personal data being processed (as permitted by applicable law, including the privacy law in Minnesota)

Right to obtain a list of the categories of third parties to which we have disclosed personal data (as permitted by applicable law, including the privacy law in California, Delaware, and Maryland)

Right to obtain a list of specific third parties to which we have disclosed personal data (as permitted by applicable law, including the privacy law in Minnesota and Oregon)

Right to obtain a list of third parties to which we have sold personal data (as permitted by applicable law, including the privacy law in Connecticut)

Right to review, understand, question, and depending on where you live, correct how personal data has been profiled (as permitted by applicable law, including the privacy law in Connecticut and Minnesota)

Right to limit use and disclosure of sensitive personal data (as permitted by applicable law, including the privacy law in California)

Right to opt out of the collection of sensitive data and personal data collected through the operation of a voice or facial recognition feature (as permitted by applicable law, including the privacy law in Florida)

How to Exercise Your Rights
To exercise these rights, you can contact us by submitting a data subject access request, by emailing us at victorkithinji@outlook.com, or by referring to the contact details at the bottom of this document.

Under certain US state data protection laws, you can designate an authorised agent to make a request on your behalf. We may deny a request from an authorised agent that does not submit proof that they have been validly authorised to act on your behalf in accordance with applicable laws.
Request Verification
Upon receiving your request, we will need to verify your identity to determine you are the same person about whom we have the information in our system. We will only use personal information provided in your request to verify your identity or authority to make the request. However, if we cannot verify your identity from the information already maintained by us, we may request that you provide additional information for the purposes of verifying your identity and for security or fraud-prevention purposes.

If you submit the request through an authorised agent, we may need to collect additional information to verify your identity before processing your request and the agent will need to provide a written and signed permission from you to submit such request on your behalf.
Appeals
Under certain US state data protection laws, if we decline to take action regarding your request, you may appeal our decision by emailing us at victorkithini@outlook.com. We will inform you in writing of any action taken or not taken in response to the appeal, including a written explanation of the reasons for the decisions. If your appeal is denied, you may submit a complaint to your state attorney general.

12. DO WE MAKE UPDATES TO THIS NOTICE?
In Short: Yes, we will update this notice as necessary to stay compliant with relevant laws.

We may update this Privacy Notice from time to time. The updated version will be indicated by an updated 'Revised' date at the top of this Privacy Notice. If we make material changes to this Privacy Notice, we may notify you either by prominently posting a notice of such changes or by directly sending you a notification. We encourage you to review this Privacy Notice frequently to be informed of how we are protecting your information.

13. HOW CAN YOU CONTACT US ABOUT THIS NOTICE?
If you have questions or comments about this notice, you may email us at victorkithinji@outlook.com or contact us by post at:

__________

Kasarani

Nairobi

Kenya

14. HOW CAN YOU REVIEW, UPDATE, OR DELETE THE DATA WE COLLECT FROM YOU?
Based on the applicable laws of your country or state of residence in the US, you may have the right to request access to the personal information we collect from you, details about how we have processed it, correct inaccuracies, or delete your personal information. You may also have the right to withdraw your consent to our processing of your personal information. These rights may be limited in some circumstances by applicable law. To request to review, update, or delete your personal information, please fill out and submit a data subject access request.

This Privacy Policy was created using Termly's Privacy Policy Generator