The SaveCash Data Privacy Framework ("Framework") establishes our foundational principles and commitments for protecting personal information and ensuring transparency in our data practices. This Framework guides our approach to data privacy across all SaveCash products, services, and operations.

Our Framework is designed to comply with applicable data protection laws and regulations, including the General Data Protection Regulation (GDPR), California Consumer Privacy Act (CCPA), and other regional privacy laws. We continuously update our practices to meet evolving standards and best practices.

1. Core Privacy Principles

SaveCash adheres to the following fundamental privacy principles in all our data practices:

1.1 Lawfulness, Fairness, and Transparency

We process personal data lawfully, fairly, and in a transparent manner. We:

• Identify a lawful basis for all data processing activities
• Communicate our data practices clearly and honestly
• Provide comprehensive privacy notices and disclosures
• Ensure transparency about how and why we use personal data
• Comply with all applicable laws and regulations

1.2 Purpose Limitation

We collect personal data only for specified, explicit, and legitimate purposes and do not process it further in ways that are incompatible with those purposes. We:

• Clearly state the purposes for which data is collected
• Limit data processing to only what is necessary for the stated purposes
• Obtain consent for new uses beyond original purposes
• Ensure compatibility of secondary uses with original purposes

1.3 Data Minimization

We collect and process only the personal data that is adequate, relevant, and limited to what is necessary for the purposes for which it is processed. We:

• Conduct regular data minimization assessments
• Collect only data essential for service delivery
• Remove or anonymize unnecessary data promptly
• Implement default privacy settings that minimize data collection

1.4 Accuracy

We keep personal data accurate and up-to-date. We:

• Provide mechanisms for users to update their information
• Verify data accuracy during onboarding and transactions
• Promptly correct inaccurate or incomplete data
• Implement data quality controls and validation

1.5 Storage Limitation

We retain personal data only for as long as necessary to fulfill the purposes for which it was collected or as required by law. We:

• Establish clear data retention schedules
• Automatically delete data when retention periods expire
• Document legal or regulatory retention requirements
• Securely dispose of data when no longer needed

1.6 Integrity and Confidentiality

We implement appropriate technical and organizational measures to protect personal data against unauthorized access, alteration, disclosure, or destruction. We:

• Encrypt data in transit and at rest
• Implement access controls and authentication mechanisms
• Conduct regular security assessments and audits
• Maintain confidentiality through appropriate safeguards

1.7 Accountability

We are accountable for compliance with these principles and can demonstrate our adherence. We:

• Assign accountability roles and responsibilities
• Document our data processing activities
• Conduct privacy impact assessments
• Maintain compliance records and certifications

2. Individual Rights

SaveCash recognizes and respects the fundamental rights that individuals have regarding their personal data. We provide mechanisms to exercise these rights:

2.1 Right to Access

Individuals have the right to obtain confirmation as to whether or not personal data concerning them is being processed and to access that data. We provide:

• Account dashboards where users can view their data
• Data export functionality for portable formats
• Transparent information about data processing activities
• Copies of personal data in commonly used electronic formats

2.2 Right to Rectification

Individuals have the right to have inaccurate personal data corrected. We:

• Enable users to update their information directly
• Process correction requests within 30 days
• Notify third parties of corrections when appropriate
• Verify corrections to maintain data accuracy

2.3 Right to Erasure

Under certain circumstances, individuals have the right to request deletion of their personal data. We:

• Provide account deletion functionality
• Process erasure requests in accordance with applicable law
• Retain data only when required by law or legitimate interests
• Use secure deletion methods that render data unrecoverable

2.4 Right to Restrict Processing

Individuals have the right to restrict certain types of data processing. We:

• Provide privacy controls and preference settings
• Respect opt-out requests for marketing and analytics
• Suspend processing when requested and legally permissible
• Notify users when restrictions are lifted

2.5 Right to Data Portability

Where processing is based on consent or contract, individuals have the right to receive their personal data in a structured, commonly used, machine-readable format. We provide:

• Automated data export tools in standard formats (JSON, CSV)
• Complete data packages including all processed information
• Interoperable formats where technically feasible
• Direct transmission to another service provider upon request

2.6 Right to Object

Individuals have the right to object to certain types of data processing. We:

• Provide opt-out mechanisms for marketing communications
• Respect objections to direct marketing unconditionally
• Provide opt-out tools in privacy preferences and email footers
• Cease processing within reasonable timeframes after objection

2.7 Rights Related to Automated Decision-Making

When we make solely automated decisions with legal or similarly significant effects, individuals have the right to:

• Request human review of automated decisions
• Express their point of view and contest decisions
• Obtain an explanation of the logic behind automated decisions
• Request intervention in the automated processing

3. Security Safeguards

SaveCash implements comprehensive technical and organizational measures to protect personal data from Security Incidents:

3.1 Technical Measures

• Encryption: AES-256 encryption for data at rest, TLS 1.3 for data in transit
• Access Controls: Role-based access, multi-factor authentication, least privilege principles
• Network Security: Firewalls, intrusion detection, DDoS protection, network segmentation
• Application Security: Secure coding practices, vulnerability assessments, penetration testing
• Monitoring: 24/7 security monitoring, anomaly detection, real-time threat intelligence

3.2 Organizational Measures

• Policies and Procedures: Comprehensive information security policies
• Training: Regular security awareness training for all personnel
• Incident Response: Documented incident response and recovery procedures
• Audits: Regular internal and third-party security audits
• Compliance: Ongoing monitoring of regulatory requirements

4. Third-Party Data Sharing

We share personal data with third parties only under specific, limited circumstances:

• Service Providers: Vetted partners who perform services on our behalf under strict contractual obligations
• Business Transfers: In connection with mergers, acquisitions, or asset sales
• Legal Requirements: When required by law, court order, or regulatory process
• With Consent: When you explicitly authorize sharing
• Emergency Situations: To protect safety or prevent fraud

5. Contact Information

For questions about this Framework or to exercise your privacy rights, contact us at: