Last updated: December 2025

1. Introduction

This Privacy Policy explains how Knete ("we", "us", "our") collects, uses, and protects your personal information when you use our personal finance management application ("the Service").

2. Data Controller

Knete is the data controller responsible for your personal data. We are committed to protecting your privacy and complying with applicable data protection laws, including the General Data Protection Regulation (GDPR).

3. Information We Collect

We collect the following types of information:

Account Information: Name, email address, and password (hashed) when you create an account
Financial Data: Account balances, transactions, budgets, categories, and investment holdings that you manually enter
Usage Data: Basic analytics about how you use the Service (e.g., features accessed, error logs)

4. Legal Basis for Processing (GDPR)

We process your data based on:

Contract: Processing necessary to provide the Service you requested
Consent: Your explicit consent given during registration
Legitimate Interest: Improving and securing the Service

5. How We Use Your Information

Your information is used to:

Provide and maintain the Service
Authenticate your account and protect against unauthorized access
Send essential service communications (e.g., password reset)
Improve and develop new features

6. Data Sharing

We do not sell, rent, or share your personal data with third parties for marketing purposes. Your financial data is never shared with advertisers or data brokers.

7. Data Retention

We retain your data for as long as your account is active. You can delete your account and all associated data at any time from the Settings page.

8. Your Rights (GDPR)

Under GDPR, you have the right to:

Access: Request a copy of your personal data
Rectification: Correct inaccurate personal data
Erasure: Delete your account and all data ("right to be forgotten")
Data Portability: Receive your data in a machine-readable format
Withdraw Consent: Withdraw consent at any time

To exercise these rights, use the Settings page or contact us directly.

9. Data Security

We implement appropriate technical and organizational measures to protect your data, including encryption in transit (HTTPS), secure password hashing, and access controls.

10. Cookies

We use essential cookies for authentication and session management. We do not use tracking cookies or third-party advertising cookies.

11. Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of significant changes by posting a notice on the Service.

12. Contact

For privacy-related inquiries or to exercise your rights, please contact us through the application.