Vencee helps you see where your money goes, plan for the tax you'll owe and save for what matters. This policy explains what we collect to do that, why, who helps us, and the choices you have. It applies to the Vencee app.
WHO WE ARE
Vencee Technologies Ltd ("Vencee", "we") runs the Vencee app and is responsible for your personal data as its controller. You can reach us at [privacy@your-domain], or by post at [Registered address].
THE SHORT VERSION
- We read your bank data only to show it to you. Vencee can never move your money.
- We don't sell your data, show you adverts or track you across other apps and websites.
- Most of your figures are worked out on your phone, not on our servers.
- You can delete your account, and everything we hold about you, from inside the app at any time.
WHAT WE COLLECT, AND WHY
Your account
Your email address, your name, and your password, which our sign-in provider keeps only in a scrambled form we can't read. If you sign in with Apple or Google, the identifier and email address they give us. We use these to run your account and keep it secure.
Your answers when you set up
Your country of residence, which sets the currency you see; how you earn; when your financial year ends; how often you file; the tax you expect to pay and when it's due; and where you'd like to begin. We use these to shape your budget and your tax plan.
Your banks
When you connect a bank, our partner Plaid connects to it with your permission and gives us read-only access to your accounts, balances and transactions. The key to that access is kept only on our server, never on your phone. Your balances and transactions are sent to your phone and kept there to show you; we don't store them in our database. If the morning update is on, our server reads your balances and the day before's payments each morning to write that notification, and doesn't keep them. Plaid's own End User Privacy Policy also applies to the connection.
What you create in Vencee
Your goals, budgets and tax goal, the categories you choose for payments and merchants, accounts you add by hand, and a record of what you do in the app, such as adding to a goal. We keep these in our database so they're there on any phone you sign in on.
Your subscription
Apple or Google take your payment; we never see your card details. Our subscription partner RevenueCat tells us which plan you have and when it renews, linked to your Vencee account.
Notifications
If you allow notifications, your phone's push address, its time zone and your notification settings, so we can send the morning update at the right time and only the notices you want.
When something goes wrong
If the app crashes, or something in it fails, such as a page that won't load or a goal that doesn't save, it sends a report to our error-monitoring partner Sentry. A report says what went wrong and where in the app, the version of the app and of your phone's system, the screens you'd just visited, and your Vencee account's ID, so that we can look into a problem you tell us about. Before it leaves your phone, amounts and email addresses are taken out of it; it never includes your bank details, a picture of your screen or what you type. The app also times how long some screens take to load, so we can make them faster. Sentry keeps these reports in the EU and deletes them after 90 days at most.
On your phone
Settings such as hidden balances, and a copy of your figures so Vencee opens quickly, are kept on your phone. Signing out removes them.
WHAT WE DON'T DO
- We don't sell, rent or trade your personal data.
- We don't show adverts or use your data for advertising.
- We don't track you across other companies' apps or websites.
- We don't make decisions about you that have legal or similarly significant effects.
- We don't carry out credit checks. The credit score shown in this version of Vencee is a sample, not taken from a credit reference agency.
WHO HELPS US
These companies provide services to us and handle your data only on our instructions:
- Supabase, which runs our database, sign-in and server functions.
- Plaid, which connects to your banks.
- RevenueCat, which keeps track of subscriptions.
- Sentry, which receives reports of crashes and errors in the app, and keeps them in the EU.
- Expo, which delivers notifications to your phone.
- Apple and Google, for signing in, payments and notifications.
Some of them are based in the United States. Where your data leaves the UK or the European Economic Area, it's protected by approved safeguards, such as the UK International Data Transfer Agreement and the EU Standard Contractual Clauses.
WHY WE'RE ALLOWED TO USE IT
Under UK and EU data protection law, we use your data to provide the service you've asked for; with your consent, which you can withdraw at any time, for connecting your banks and sending notifications; for our legitimate interests in keeping Vencee secure and working well; and where the law requires it.
HOW LONG WE KEEP IT
We keep your data while your account is open. Disconnecting a bank ends its connection at Plaid and removes it from Vencee. Deleting your account, in Account, then Personal details, removes your profile, goals, budgets and everything else in our database straight away, and ends your bank connections. Apple, Google and RevenueCat keep records of payments for as long as the law requires.
KEEPING IT SAFE
- Everything sent between your phone and our servers is encrypted.
- Our database itself makes sure each member can read and change only their own data.
- The keys to your bank connections never leave our server.
- You can lock Vencee with Face ID, Touch ID or your passcode, and hide balances when it opens.
YOUR RIGHTS
You can ask to see the data we hold about you, have it corrected or deleted, restrict or object to how we use it, and receive it in a portable form. Statements in the app also export your transactions. To use any of these rights, write to [privacy@your-domain]; we'll answer within a month.
If you're unhappy with how we've handled your data, you can complain to the Information Commissioner's Office in the UK (ico.org.uk), or to the data protection authority where you live in the EU.
CHILDREN
Vencee is for adults. It isn't meant for anyone under 18, and we don't knowingly collect their data.
CHANGES TO THIS POLICY
If we change this policy, we'll update this page and the date at the top. If a change matters to how we use your data, we'll tell you in the app first.