Privacy Policy

1. Introduction

Financial Roadmap ("we", "our", or "us") operates the financialroadmap.app website. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our financial planning service.

2. Information We Collect

2.1 Information from Google Sign-In

When you sign in with Google, we receive:

• Email address - Used to identify your account
• Name - Used to personalize your experience
• Profile picture - Displayed in the app interface

We only request basic profile information (openid, email, profile scopes). We do not access your Google Drive, contacts, calendar, or any other Google services.

2.2 Financial Planning Data

Data you voluntarily enter into the application:

• Income information (salary, other income sources)
• Expense estimates (living costs, subscriptions)
• Asset information (investment accounts, property values)
• Liability information (mortgages, loans)
• Financial goals and milestones
• Progress tracking entries

2.3 Technical Data

• Session information for authentication
• Browser type and version
• Time zone and general location (country level)

3. How We Use Your Information

We use your information to:

• Provide and maintain the financial planning service
• Save and sync your financial plans across devices
• Calculate projections and simulations based on your inputs
• Process subscription payments (via Stripe)
• Send important service-related communications
• Improve and optimize our service

4. Data Storage and Security

Your data is stored securely on Google Cloud Platform infrastructure in the United States. We implement industry-standard security measures including:

• Encryption in transit (HTTPS/TLS)
• Encryption at rest for database storage
• Secure session management
• Regular security updates and monitoring

5. Third-Party Services

We use the following third-party services:

• Google OAuth - For secure authentication
• Stripe - For payment processing (we do not store your payment card details)
• Google Cloud Platform - For hosting and data storage

Each third-party service has its own privacy policy governing their use of your data.

6. Data Sharing

We do not sell, trade, or rent your personal information. We may share data only:

• With service providers who assist in operating our service (under strict confidentiality)
• To comply with legal obligations
• To protect our rights and safety

7. Your Rights

You have the right to:

• Access - Request a copy of your data
• Correction - Update or correct your information
• Deletion - Request deletion of your account and data
• Export - Download your financial planning data
• Withdraw consent - Revoke Google sign-in access at any time

To exercise these rights, contact us at info@luniobv.com

8. Data Retention

We retain your data for as long as your account is active. If you delete your account, we will delete your personal data within 30 days, except where retention is required by law.

9. Children's Privacy

Our service is not intended for users under 18 years of age. We do not knowingly collect information from children under 18.

10. Changes to This Policy

We may update this 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.

11. Contact Us

If you have questions about this Privacy Policy, please contact us at:

Email: info@luniobv.com