Privacy Policy

Welcome to Jipange

At Jipange, we believe your financial information belongs to you. Our mission is to help you organize recurring bills, stay ahead of upcoming payments, and make informed financial decisions. Protecting your privacy is fundamental to that mission.

This Privacy Policy explains what information we collect, how we use it, when we may share it, and the choices you have regarding your information when using the Jipange website and mobile application (collectively, the "Services").

By creating an account or using Jipange, you agree to the practices described in this Privacy Policy.

1. Our Privacy Promise

We built Jipange to help you manage your bills—not to monetize your personal information.

We are committed to:

• Collecting only the information necessary to provide our services.
• Never selling your personal information.
• Being transparent about how your information is used.
• Giving you control over your data whenever possible.
• Continuously improving the security of our platform.

Your trust is more valuable than your data.

2. Information We Collect

Account Information

When you create an account, we may collect:

• Full name
• Email address
• Optional phone number
• Profile preferences
• Account settings

Your email address is used to authenticate your account, send important notifications, and deliver bill reminders.

Bills and Financial Information You Provide

Jipange stores the information you choose to enter, including:

• Bill names
• Categories
• Amounts
• Due dates
• Payment dates
• Recurrence schedules
• Notes
• Reminder preferences
• Payment status
• Bill attachments (if applicable)

Jipange does not connect directly to your bank accounts or automatically access your financial institution.

All financial information stored in Jipange is information that you choose to provide.

Shared Bills

If you choose to share bills with family members, roommates, or other users, we collect information necessary to facilitate collaboration, including:

• Shared users
• Access permissions
• Shared bill activity

Only users that you explicitly invite will have access to shared information.

Device Information

To improve reliability and security, we may collect:

• Device type
• Operating system
• App version
• Language
• Time zone
• IP address
• Anonymous device identifiers

Usage Information

We collect information about how users interact with Jipange, including:

• Features used
• Pages viewed
• Session duration
• Navigation events
• Performance metrics
• Feature adoption
• Interaction with notifications

This information helps us improve the user experience and prioritize future improvements.

Diagnostic Information

To identify and resolve technical issues, we may collect:

• Crash reports
• Error logs
• Performance traces
• Diagnostic information

This information helps us maintain a stable and reliable service.

3. How We Use Your Information

We use your information to:

• Create and manage your account.
• Store and synchronize your bills.
• Send reminder notifications.
• Generate financial reports.
• Forecast upcoming recurring expenses.
• Personalize your dashboard and reminders.
• Improve product performance and usability.
• Detect abuse and protect user accounts.
• Respond to customer support requests.
• Comply with legal obligations.

We only use your information for purposes consistent with providing and improving Jipange.

4. AI-Powered Insights and Recommendations

Jipange may analyze the information you provide to generate:

• Spending insights
• Bill forecasts
• Payment reminders
• Personalized recommendations
• Financial summaries
• Usage trends

These insights are designed to help you organize your finances and should not be considered financial, tax, investment, or legal advice.

We do not use your personal financial information to train publicly available artificial intelligence models.

5. Notifications

Jipange may send:

Service Notifications

These include:

• Bill reminders
• Upcoming due dates
• Payment confirmations
• Account security alerts
• Shared bill activity

These notifications are considered part of the service.

Marketing Communications

With your consent, we may occasionally send:

• Product updates
• New feature announcements
• Educational content
• Promotions

You may unsubscribe from marketing emails at any time without affecting essential service notifications.

6. Purchases and Subscriptions

Jipange may offer premium features through subscriptions.

Payments are securely processed by authorized third-party payment providers, including:

• Apple App Store
• Google Play
• RevenueCat (subscription management)

Jipange does not store your complete payment card information.

Payment information is handled according to the privacy and security practices of the applicable payment provider.

7. When We Share Information

We do not sell your personal information.

We only share information when necessary to operate our services.

This may include trusted service providers that assist with:

• User authentication
• Cloud hosting
• Email delivery
• Push notifications
• Analytics
• Error monitoring
• Subscription management

These providers are contractually required to protect your information and may only use it to provide services on our behalf.

We may also disclose information if required by law or to protect the rights, safety, and security of our users or our platform.

8. Third-Party Services

Jipange relies on carefully selected third-party providers to operate our services.

These providers may process limited information necessary to perform their functions:

• Clerk – user authentication and account management.
• Vercel – website and application hosting.
• PostgreSQL – secure storage of application data.
• PostHog – product analytics and feature improvement.
• Google Analytics – website usage analytics.
• Firebase Analytics – mobile application analytics.
• Firebase Cloud Messaging – push notifications.
• Sentry – crash reporting and performance monitoring.
• RevenueCat – subscription management.
• Apple App Store – payment processing for iOS purchases.
• Google Play – payment processing for Android purchases.

Each provider maintains its own privacy practices.

9. Data Security

Protecting your information is a priority.

We use industry-standard security measures designed to protect your information from unauthorized access, loss, misuse, or disclosure.

These measures include:

• Encrypted connections (HTTPS/TLS)
• Secure authentication
• Access controls
• Regular software updates
• Monitoring and logging
• Secure cloud infrastructure

While no online service can guarantee absolute security, we continuously work to safeguard your information.

10. Data Retention

We retain your information only for as long as necessary to:

• Provide our services
• Maintain your account
• Comply with legal obligations
• Resolve disputes
• Enforce our agreements

If you permanently delete your account, we will delete or anonymize your personal information within a reasonable period unless we are legally required to retain certain information.

11. Your Rights

Depending on your location, you may have the right to:

• Access your personal information.
• Update inaccurate information.
• Delete your account.
• Request a copy of your information.
• Withdraw consent where applicable.
• Manage notification preferences.

Requests can be submitted through the application or by contacting our support team.

12. Children's Privacy

Jipange is not intended for children under the age required by applicable law in their jurisdiction.

We do not knowingly collect personal information from children.

If we become aware that we have collected information from a child without appropriate authorization, we will take reasonable steps to delete that information.

13. International Users

Jipange may be used internationally.

Your information may be processed and stored in countries where our trusted service providers operate. We take reasonable steps to ensure your information receives appropriate protection regardless of where it is processed.

14. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our services, technology, or legal requirements.

If material changes are made, we will notify users through the application, email, or our website before the changes become effective where required by law.

The updated Privacy Policy will always display the latest effective date.

15. Contact Us

If you have questions about this Privacy Policy or how your information is handled, please contact us.

Jipange Support
Email: felixrunye@gmail.com
Website: https://jipange.felixrunye.com