Privacy Policy - Marginate

Marginate ("we", "our", or "us") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our web application and services.

1. Information We Collect

Personal Information

We collect personal information that you voluntarily provide when registering for an account, including:

Name and email address
Account credentials (passwords are stored using secure one-way hashing)
Profile information you choose to provide

Business Data

When you use our Service, we store the data you enter, including:

Item information (names, descriptions, purchase prices, sale prices)
Expense records and categories
Transaction history and calculations
Support ticket communications

Automatically Collected Information

When you access our application, we may automatically collect:

Device and browser type
IP address
Access times and dates
Pages viewed and features used

2. How We Use Your Information

We use the information we collect to:

Provide, maintain, and improve our services
Process your transactions and manage your account
Send you technical notices, updates, and support messages
Respond to your comments, questions, and customer service requests
Monitor and analyze usage trends and activities
Detect, investigate, and prevent fraudulent transactions and abuse
Comply with legal obligations

3. Data Sharing and Disclosure

We do not sell, trade, or rent your personal information to third parties.

We may share your information only in the following circumstances:

With your explicit consent
To comply with legal obligations, court orders, or government requests
To protect our rights, privacy, safety, or property
With service providers who assist in our operations (under strict confidentiality agreements)
In connection with a merger, acquisition, or sale of assets (with notice to you)

4. Data Security

We implement appropriate security measures to protect your personal information, including:

Encryption of data in transit using SSL/TLS
Secure password hashing (one-way encryption)
Access controls and authentication
Regular security monitoring

Note: While we take reasonable precautions to protect your data, no method of transmission or storage is 100% secure. We cannot guarantee absolute security of your information.

5. Data Retention

We retain your personal information for as long as your account is active or as needed to provide you services. You may request deletion of your account and associated data at any time by contacting our support team.

We may retain certain information as required by law or for legitimate business purposes, such as fraud prevention or dispute resolution.

6. Your Rights

Depending on your location, you may have the following rights regarding your personal data:

Access: Request a copy of your personal data
Rectification: Request correction of inaccurate data
Erasure: Request deletion of your data ("right to be forgotten")
Restriction: Request that we limit processing of your data
Portability: Request your data in a portable format
Objection: Object to certain types of processing

To exercise these rights, please contact us at privacy@marginate.app. We will respond to your request within 30 days.

7. Cookies

We use essential cookies to maintain your session and authenticate you. These cookies are necessary for the Service to function and cannot be disabled.

We do not use tracking cookies, advertising cookies, or share cookie data with third parties.

8. Children's Privacy

Our Service is not intended for individuals under the age of 18. We do not knowingly collect personal information from children. If you become aware that a child has provided us with personal information, please contact us immediately.

9. International Data Transfers

Your information may be transferred to and processed in countries other than your country of residence. These countries may have different data protection laws. By using our Service, you consent to such transfers.

10. Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of any material changes by posting the new policy on this page and updating the "Last updated" date. We encourage you to review this policy periodically.

11. Contact Us

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

Email: privacy@marginate.app
Website: https://marginate.app