Privacy Policy

**Effective Date: 09-28-2025**

**1. Introduction**

Welcome to CorgiWatchDog ("we," "our," "us"), a website dedicated to helping you predict and create budget plans, manage bills, and plan for savings. This Privacy Policy describes how we collect, use, and share your personal and financial information when you use our website, located at https://corgiwatchdog.com, and our services.

By using CorgiWatchDog, you agree to the collection and use of information in accordance with this policy.

**2. Information We Collect**

We collect information to provide and improve our services to you. The types of information we may collect include:

* **Financial Information:** This is the core of our service. If you choose to use certain features, we may collect sensitive financial data, including but not limited to:

* Bank account details (account numbers, routing numbers).
* Paycheck and income information.
* Bill and payment due dates.
* Transaction history.
* Savings goals and plans.

* **Personal Information:** Information you provide directly to us, such as:

* Name.
* Email address.
* Contact information.
* Account login credentials.

* **Technical Information:** When you access our website, we automatically collect certain information, including:

* IP address.
* Browser type and version.
* Pages you visit on our site.
* Date and time of your visit.
* Information about your device (e.g., operating system).

* **Third-Party Information:** We may receive information about you from third-party services you connect to CorgiWatchDog, such as:

* **TwelveData:** For stock and crypto quotes, we will access publicly available or authorized data provided by TwelveData. This connection is read-only and is used solely to provide market data within your budget and financial planning tools.

* **External Calendars:** When you connect your CorgiWatchDog account to an Android or iPhone calendar, we will receive and transfer information necessary to send bill and payment alerts to your chosen calendar.

**3. How We Use Your Information**

We use the information we collect for the following purposes:

* **To Provide Our Services:** To create and manage your budget plans, track your income and expenses, and provide amortization tools.

* **To Manage Your Account:** To create and maintain your user account, verify your identity, and provide customer support.

* **To Send Notifications:** To send you email notifications and alerts for bills, payment dues, and savings goals as you have configured.

* **To Personalize Your Experience:** To tailor our services and content to your needs and preferences, such as displaying relevant financial data and market quotes.

* **To Improve Our Services:** To analyze how our users interact with our website and services, identify areas for improvement, and develop new features.

* **For Security and Fraud Prevention:** To protect our services and our users from fraud, unauthorized access, and other illegal activities.

* **For Legal Compliance:** To comply with applicable laws, regulations, and legal processes.

**4. How We Share Your Information**

We do not sell your personal or financial information to third parties. We may share your information with trusted third parties in the following circumstances:

* **Service Providers:** We may share your information with third-party vendors, consultants, and other service providers who perform services on our behalf and need access to such information to carry out their work for us. Examples include payment processors, data hosting services, and email service providers.

* **Third-Party Integrations:** We share data with third-party services you explicitly connect to CorgiWatchDog, such as TwelveData for market data and your personal calendar for alerts. These services have their own privacy policies which you should review.

* **Legal Requirements:** We may disclose your information if required to do so by law or in the good faith belief that such action is necessary to:

* Comply with a legal obligation.
* Protect and defend our rights or property.
* Prevent or investigate possible wrongdoing in connection with the Service.
* Protect the personal safety of users or the public.

* **Business Transfers:** In the event of a merger, acquisition, or sale of assets, your information may be transferred as part of that transaction. We will notify you of any such change.

**5. Data Security**

We take reasonable measures to protect your personal and financial information from unauthorized access, use, or disclosure. This includes implementing security technologies and procedures, such as encryption and secure data storage. However, no method of transmission over the Internet or electronic storage is 100% secure. While we strive to protect your information, we cannot guarantee its absolute security.

**6. Your Rights and Choices**

* **Access and Correction:** You may access and update your account information by logging into your account settings.

* **Data Deletion:** You have the right to request the deletion of your personal data. We will take reasonable steps to delete your data from our records, subject to any legal retention requirements.

* **Notifications:** You can manage your email and in-app notification preferences in your account settings.

**7. 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 and updating the "Effective Date" at the top. You are advised to review this Privacy Policy periodically for any changes.

**8. Contact Us**

If you have any questions about this Privacy Policy, please contact us at contact@corgiwatchdog.com.