Privacy Policy

Last Updated: February 18, 2026

Business Name: Christiaan Schmid Dev

Website: spendable.laravel.cloud

Contact Email: chcschmid@gmail.com

1. Introduction

Christiaan Schmid Dev ("we," "our," or "us") respects your privacy and is committed to protecting your personal and financial information. This Privacy Policy explains how we collect, use, disclose, and safeguard information when you use our website or services.

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

2. Information We Collect

a. Information You Provide

We may collect limited personal information such as:

  • Name
  • Email address
  • Account identifiers provided through third-party integrations

b. Financial Information

We use third-party financial APIs (such as Plaid) to access financial account information with your explicit consent. This may include:

  • Account balances
  • Account names and types
  • Institution information
  • Transaction metadata (if enabled)

We do not collect or store bank login credentials. Authentication is handled directly by Plaid.

c. Automatically Collected Information

We may collect basic technical information such as:

  • IP address
  • Browser type
  • Device information
  • Usage data

3. How We Use Your Information

We use collected information solely to:

  • Display financial account information you authorize
  • Operate and improve the application
  • Maintain security and prevent fraud
  • Comply with legal and regulatory obligations

We do not sell personal or financial data.

4. Data Sharing and Disclosure

We only share data with:

  • Third-party service providers required to operate the service (e.g., Plaid, cloud hosting providers)
  • Legal authorities, if required by law

All third-party providers are required to adhere to appropriate security and confidentiality standards.

5. Data Security

We implement reasonable administrative, technical, and physical safeguards to protect your information, including:

  • Encryption in transit (TLS)
  • Secure storage of API credentials
  • Least-privilege access controls
  • Multi-factor authentication for administrative systems

However, no system can be guaranteed to be 100% secure.

6. Data Retention

We retain personal and financial data only for as long as necessary to provide the service or as required by law. Data may be deleted upon user request, subject to applicable legal requirements.

7. Your Privacy Rights

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

  • Request access to your data
  • Request correction or deletion of your data
  • Withdraw consent for data access

Requests can be made by contacting us at the email address listed below.

8. Children's Privacy

Our services are not intended for individuals under the age of 13. We do not knowingly collect data from children.

9. Third-Party Links

Our service may contain links to third-party websites. We are not responsible for the privacy practices of those third parties.

10. Changes to This Policy

We may update this Privacy Policy from time to time. Updates will be posted on this page with a revised "Last Updated" date.

11. Contact Us

If you have any questions or concerns about this Privacy Policy or our data practices, please contact:

Christiaan Schmid Dev

Email: chcschmid@gmail.com