Privacy Policy

1. Introduction

At Vector Finance ("we," "our," or "us"), we value your privacy and are committed to protecting your personal information. This Privacy Policy explains how we collect, use, disclosure, and safeguard your information when you access our application.

By using Vector Finance, you consent to the data practices described in this policy. If you do not agree with the terms of this privacy policy, please do not access the application.

2. Information We Collect

3. How We Use Your Information

We capture and use your information strictly for the purpose of providing and improving the Vector Finance application:

• To provide and maintain your account.
• To verify your identity via Google Authentication.
• To generate financial analytics, charts, and reports for your personal use.
• To calculate net worth, expenses, and investment performance.
• To facilitate "Double-Entry" accounting standards for data accuracy.

4. Bank Connections and Plaid

Vector Finance uses Plaid Inc. ("Plaid") to gather your data from financial institutions. By using the Service, you grant Vector Finance and Plaid the right, power, and authority to act on your behalf to access and transmit your personal and financial information from your financial institution.

You agree to your personal and financial information being transferred, stored, and processed by Plaid in accordance with the Plaid End User Privacy Policy.

5. Data Sharing and Disclosure

We may share your data only in the following limited circumstances:

• Service Providers: We use trusted third-party service providers (such as cloud hosting and database services) to operate our infrastructure. These providers access your data only to perform tasks on our behalf and are obligated not to disclose or use it for any other purpose.
• 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 or a government agency).

6. Data Security

We implement "Bank-Grade security" measures to protect your data. Your personal and financial information is encrypted at rest in our database and encrypted in transit using Secure Sockets Layer (TLS/SSL) technology.

7. Data Retention

We will only retain your personal data for as long as reasonably necessary to fulfill the purposes we collected it for, including for the purposes of satisfying any legal, regulatory, tax, accounting or reporting requirements.

If you choose to delete your account, your Financial Data and Identity Data will be permanently purged from our active databases within a reasonable timeframe (typically 30 days).

8. Your Data Rights

You have the right to access, update, or delete the information we have on you. You can update your financial data directly within the application. If you wish to delete your account entirely, please contact us or use the account deletion feature within your profile settings.

9. Third-Party Links

Our service may contain links to other sites that are not operated by us. If you click on a third-party link, you will be directed to that third party's site. We strongly advise you to review the Privacy Policy of every site you visit.

10. 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. You are advised to review this Privacy Policy periodically for any changes.