Privacy Policy

1

What Data We Collect

When you use Mutual, we collect only the information necessary to provide you with a seamless experience:

Account Information: Name, email address, and authentication credentials (like Apple Sign In).
Financial Data: Expenses you enter, savings goals, transaction history within the app, and income ratios if you choose to use income-based fair splitting.
Device Information: Device type, OS version, and push notification tokens (to send you real-time updates).

2

How We Use It

Your data is used strictly to power the Mutual app. We do not sell your personal or financial data to third parties. Ever.

To sync expenses and balances in real-time with your partner.
To calculate fair expense splits and generate spending analytics.
To send you important notifications (e.g., when your partner adds an expense).
To improve our app features and maintain security.

3

Data Storage & Security

We use industry-standard security protocols to keep your data safe:

Encryption: All data is encrypted in transit and at rest using modern cryptographic standards.
Authentication: We use secure JSON Web Tokens (JWT) and support secure third-party logins (Apple, Google).
Your data lives on secure servers, completely isolated from advertising networks.

4

Your Rights (GDPR & CCPA)

You have full control over your data. Under global privacy laws, you have the right to:

Access: Request a copy of all data we hold about you.
Portability: Export your expense and history data to a CSV format.
Deletion: Delete your account and all associated data permanently at any time.

5

Children's Privacy

Mutual is designed for adults and couples. Our service is strictly for users who are 13 years of age or older. We do not knowingly collect personal data from children under 13.

6

Contact Us

If you have any questions or concerns about this privacy policy, please reach out to our privacy team:

Email: contact@elhardouf.com