Privacy Policy

1. Introduction

Welcome to Marii. We are committed to protecting your privacy and ensuring the security of your personal and financial information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our AI-powered budgeting application ("the Service").

By using the Service, you agree to the collection and use of information in accordance with this Privacy Policy. If you do not agree with the terms of this Privacy Policy, please do not access or use the Service.

2. Information We Collect

2.1 Personal Information

We collect personal information that you voluntarily provide to us when you register for the Service, including but not limited to:

• Name and email address
• Account credentials (username and encrypted password)
• Profile information and preferences
• Communication preferences

2.2 Financial Information

To provide budgeting and financial management services, we collect financial information you provide, including:

• Income and expense data
• Budget categories and amounts
• Transaction descriptions and amounts
• Financial goals and targets

We do not collect or store your bank account credentials, credit card numbers, or other sensitive financial account information directly. Any connections to financial institutions are handled through secure, third-party service providers.

2.3 Usage Information

We automatically collect certain information about your device and how you interact with the Service:

• Device information (type, operating system, browser type)
• IP address and general location data
• Usage patterns and feature interactions
• Log data and error reports
• Cookies and similar tracking technologies

2.4 AI Interaction Data

When you interact with our AI-powered features, we collect data about your queries, the AI-generated responses, and your feedback on those responses to improve our AI models and Service quality.

3. How We Use Your Information

We use the information we collect for the following purposes:

• To provide, maintain, and improve the Service
• To process your transactions and manage your account
• To generate AI-powered budgeting insights and recommendations
• To personalize your experience and deliver relevant content
• To communicate with you about the Service, updates, and promotional offers
• To monitor and analyze usage patterns and trends
• To detect, prevent, and address technical issues and security threats
• To comply with legal obligations and enforce our Terms of Service
• To train and improve our AI models and algorithms

4. How We Share Your Information

We do not sell your personal information to third parties. We may share your information in the following circumstances:

4.1 Service Providers

We may share your information with third-party service providers who perform services on our behalf, such as:

• Cloud hosting and infrastructure providers
• Analytics and monitoring services
• Customer support platforms
• Email and communication services
• AI and machine learning service providers

These service providers are contractually obligated to protect your information and use it only for the purposes for which it was disclosed.

4.2 Legal Requirements

We may disclose your information if required to do so by law or in response to valid requests by public authorities (e.g., a court order or subpoena).

4.3 Business Transfers

If Marii is involved in a merger, acquisition, or sale of assets, your information may be transferred as part of that transaction. We will provide notice before your information is transferred and becomes subject to a different privacy policy.

4.4 With Your Consent

We may share your information for any other purpose with your explicit consent.

5. Data Security

We implement appropriate technical and organizational security measures to protect your information against unauthorized access, alteration, disclosure, or destruction. These measures include:

• Encryption of data in transit and at rest
• Regular security assessments and audits
• Access controls and authentication mechanisms
• Secure data storage and backup procedures
• Employee training on data protection practices

However, no method of transmission over the Internet or electronic storage is 100% secure. While we strive to use commercially acceptable means to protect your information, we cannot guarantee its absolute security.

6. Data Retention

We retain your personal information for as long as necessary to fulfill the purposes outlined in this Privacy Policy, unless a longer retention period is required or permitted by law. When we no longer need your information, we will securely delete or anonymize it.

You may request deletion of your account and associated data at any time by contacting us. Please note that we may retain certain information as required by law or for legitimate business purposes.

7. Your Privacy Rights

Depending on your location, you may have certain rights regarding your personal information:

• Access: Request access to the personal information we hold about you
• Correction: Request correction of inaccurate or incomplete information
• Deletion: Request deletion of your personal information
• Portability: Request a copy of your information in a portable format
• Objection: Object to certain processing of your information
• Restriction: Request restriction of processing in certain circumstances
• Withdrawal of Consent: Withdraw consent for processing based on consent

To exercise any of these rights, please contact us at privacy@marii.app. We will respond to your request within a reasonable timeframe and in accordance with applicable law.

8. Cookies and Tracking Technologies

We use cookies and similar tracking technologies to track activity on our Service and store certain information. Cookies are files with a small amount of data that are sent to your browser from a website and stored on your device.

You can instruct your browser to refuse all cookies or to indicate when a cookie is being sent. However, if you do not accept cookies, you may not be able to use some portions of our Service.

We use both session cookies (which expire when you close your browser) and persistent cookies (which remain on your device until deleted or expired) for various purposes including authentication, preferences, and analytics.

9. Third-Party Links

Our Service may contain links to third-party websites or services that are not operated by us. We have no control over and assume no responsibility for the content, privacy policies, or practices of any third-party sites or services. We encourage you to review the privacy policy of every site you visit.

10. Children's Privacy

Our Service is not intended for use by children under the age of 18. We do not knowingly collect personal information from children under 18. If you are a parent or guardian and you are aware that your child has provided us with personal information, please contact us so that we can take necessary action.

11. International Data Transfers

Your information may be transferred to and maintained on computers located outside of your state, province, country, or other governmental jurisdiction where data protection laws may differ. We will take all steps reasonably necessary to ensure that your data is treated securely and in accordance with this Privacy Policy.

12. Changes to This Privacy Policy

We may update our Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on this page and updating the "Last Updated" date at the top of this Privacy Policy.

You are advised to review this Privacy Policy periodically for any changes. Changes to this Privacy Policy are effective when they are posted on this page.

13. Contact Us

If you have any questions about this Privacy Policy or our data practices, please contact us:

• Email: privacy@marii.app
• General inquiries: support@marii.app