Privacy Policy

When you create an account with kctiu, we collect information that helps us provide better budgeting tools and protect your financial data. This includes basic account information like your name and email address, as well as the financial data you choose to input into our budgeting system.

We also collect technical information about your device and browser to ensure our budgeting platform works smoothly across different systems. This includes your IP address, browser type, and operating system details.

Your data powers the core functionality of kctiu's budgeting platform. We use your financial information to generate spending insights, create budget recommendations, and help you track progress toward your financial goals.

Beyond the basic budgeting features, we analyze usage patterns to improve our tools and develop new features that address common budgeting challenges. For instance, if many users struggle with a particular expense category, we might create specialized tools for that area.

We also use your email address to send important account notifications, budget alerts you've requested, and occasional updates about new features that could benefit your financial planning. You can control most of these communications through your account settings.

All data processing follows strict security protocols designed specifically for financial information. We never use your personal financial data for advertising purposes or share it with marketing companies.

We work with carefully selected service providers who help us operate kctiu's budgeting platform securely and efficiently. These include cloud hosting providers who store your encrypted data, email service providers for account notifications, and payment processors for subscription billing.

Each third-party provider signs comprehensive agreements that limit how they can access and use your information. They're prohibited from using your data for their own purposes and must meet the same security standards we maintain for financial information.

We may also share anonymized, aggregated data for research purposes – for example, general spending trends across different budget categories. However, this data cannot be traced back to individual users and contains no personally identifiable information.

In cases where we're legally required to share information – such as responding to valid court orders or protecting against fraud – we'll notify you whenever possible and share only the minimum information necessary.

You have significant control over your personal information and how we use it. These rights are built into kctiu's system and can be exercised through your account settings or by contacting our privacy team.

• Access Your Data: Download a complete copy of all personal information and financial data stored in your kctiu account at any time.
• Update Information: Modify or correct any personal details, budget categories, or financial goals directly through your account dashboard.
• Delete Your Account: Permanently remove your account and all associated data from our systems with a simple deletion request.
• Control Communications: Choose which types of emails you receive and adjust notification preferences for budget alerts and updates.
• Data Portability: Export your budgeting data in standard formats if you decide to switch to a different financial management tool.
• Restrict Processing: Limit how we use your information for certain purposes while maintaining core budgeting functionality.

Most of these actions can be completed immediately through your account settings. For more complex requests or questions about your privacy rights, our support team typically responds within 48 hours during business days.

Financial data requires exceptional security measures, and we've built kctiu's infrastructure with multiple layers of protection designed specifically for sensitive financial information.

Our security team conducts quarterly penetration testing and vulnerability assessments. We also maintain incident response procedures that can quickly isolate and address any potential security issues.

While we implement robust security measures, we encourage users to protect their accounts by using strong, unique passwords and enabling two-factor authentication through their account settings.

We retain your personal and financial data only as long as necessary to provide budgeting services and meet legal requirements. Different types of information have different retention periods based on their purpose and regulatory requirements.

When you delete your account, we immediately remove access to your personal information and begin the deletion process. Some data may remain in backup systems for up to 90 days before being permanently erased.

You can also request immediate deletion of specific data categories while keeping your account active. These requests are processed within 30 days, though some information may need to be retained for legal compliance.

kctiu operates primarily within the United States, but some of our service providers maintain servers in other countries. When your data is transferred internationally, we ensure it receives the same level of protection through appropriate safeguards.

All international data transfers use standard contractual clauses approved by privacy regulators and additional security measures like encryption and access controls. We work only with service providers who demonstrate adequate data protection standards.

If you're located outside the United States and have concerns about international data transfers, you can contact our privacy team to discuss alternative arrangements or data residency options.

We update this privacy policy periodically to reflect changes in our services, legal requirements, or data handling practices. When we make significant changes that affect how we collect or use your information, we'll notify you through email and display a prominent notice in your account dashboard.

Minor updates – such as clarifying existing practices or updating contact information – are posted directly to this page with an updated revision date. We encourage you to review this policy periodically to stay informed about how we protect your privacy.

If you disagree with changes to this policy, you can close your account before the changes take effect. Continuing to use kctiu after policy updates indicates your acceptance of the revised terms.