Privacy Policy

Last Updated: August 15, 2026

1. Introduction

SmartSpends is a service provided by CK IT Solutions GmbH ("we," "our," or "us"). We are committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our website and mobile application (collectively, the "Service").

Please read this Privacy Policy carefully. By accessing or using the Service, you acknowledge that you have read, understood, and agree to be bound by all the terms of this Privacy Policy and our Terms of Service.

2. Information We Collect

2.1 Personal Information

We may collect personal information that you voluntarily provide to us when you register for the Service, express interest in obtaining information about us or our products, or otherwise contact us. The personal information we collect may include:

• Name, email address, and contact details
• Account credentials
• Financial information (such as bank account details for connecting to your accounts)
• Transaction data from connected accounts or manually entered
• Images of receipts you upload
• Communication preferences

2.2 Automatically Collected Information

When you access or use our Service, we may automatically collect certain information, including:

• Device information (such as your mobile device ID, model, and manufacturer)
• Log information (such as IP address, access times, and app activity)
• Location information (with your permission)
• Usage data (such as features used and time spent on the Service)

3. How We Use Your Information

We may use the information we collect for various purposes, including to:

• Provide, maintain, and improve our Service
• Process and complete transactions
• Send you technical notices, updates, security alerts, and support messages
• Respond to your comments, questions, and requests
• Develop new products and services
• Personalize your experience
• Monitor and analyze trends, usage, and activities
• Detect, investigate, and prevent fraudulent transactions and other illegal activities
• Comply with legal obligations

4. How We Share Your Information

We may share your information in the following situations:

• With Service Providers: We may share your information with third-party vendors, service providers, contractors, or agents who perform services for us.
• Business Transfers: We may share or transfer your information in connection with, or during negotiations of, any merger, sale of company assets, financing, or acquisition of all or a portion of our business.
• With Your Consent: We may disclose your information for any other purpose with your consent.
• Legal Requirements: We may disclose your information where required to do so by law or in response to valid requests by public authorities.

5. Data Security

We have implemented appropriate technical and organizational security measures designed to protect the security of any personal information we process. However, despite our safeguards, no security system is impenetrable. We cannot guarantee the security of our databases, nor can we guarantee that information you supply will not be intercepted while being transmitted to us over the Internet.

6. Your Privacy Rights

Depending on your location, you may have certain rights regarding your personal information, such as:

• The right to access personal information we hold about you
• The right to request correction of inaccurate personal information
• The right to request deletion of your personal information
• The right to object to processing of your personal information
• The right to data portability
• The right to withdraw consent

To exercise these rights, please contact us using the information provided in the "Contact Us" section below.

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 "Last Updated" date. 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: