Ackbx Xpenser

Effective Date: July 11, 2025

Welcome to Ackbx Xpenser! We’re committed to protecting your privacy. This Privacy Policy explains how Ackbx Xpenser (referred to as “we,” “us,” or “our”) collects, uses, and safeguards the information you provide when using our website, <xpenser.ackbx.com> (the “Service”).

1. Information We Collect

Ackbx Xpenser is designed to empower you to manage your finances without requiring access to your bank accounts or linking to other sensitive financial services. We only collect the information you choose to input directly into the Service.

  • User-Provided Information: When you use Ackbx Xpenser, you may choose to provide various financial details to track your expenses, income, and budgets. This information may include:

    • Transaction details (e.g., date, amount, category, description)
    • Income details (e.g., source, amount)
    • Budget categories and limits
    • Any notes or tags you add to your financial entries
    • Your email address (if you choose to create an account for saving your data or for communication purposes)
    • Your chosen username and password (if you create an account)

  • Non-Personal Information / Usage Data: We may collect certain non-personal information automatically when you visit our website to help us understand how users interact with our Service and to improve its functionality. This may include:

    • Browser type and version
    • Operating system
    • Referral source
    • Pages viewed
    • Time spent on pages
    • Date and time of access
    • IP address (used for general geographic location and security purposes, not linked to personally identifiable financial data)

2. How We Use Your Information

We use the information we collect for the following purposes:

  • To Provide and Maintain the Service: To allow you to input, store, and manage your financial data, and to provide the core functionalities of Ackbx Xpenser.
  • To Personalize Your Experience: To help you organize and visualize your financial information effectively.
  • To Improve Our Service: We use aggregated and anonymized usage data to understand trends, fix bugs, and enhance the features and performance of Ackbx Xpenser.
  • For Communication (if applicable): If you provide your email address, we may use it to:
    • Send you important updates about the Service.
    • Respond to your inquiries or support requests.
    • Send you password reset instructions.
  • For Security and Fraud Prevention: To protect the integrity and security of our Service and to prevent fraudulent activity.

3. How We Share Your Information

Ackbx Xpenser is built on the principle of user control and privacy.

  • We don’t share your personal financial data (the information you input about your expenses, income, etc.) with any third parties. Your financial data is yours alone.
  • Service Providers: We may use third-party service providers to help us operate our website (e.g., hosting providers). These providers are contractually obligated to protect your information and are prohibited from using it for any purpose other than providing services to us.
  • Legal Requirements: We may disclose your information if required to do so by law or in response to valid requests by public authorities (e.g., a court order or government agency request).
  • Business Transfers: In the event of a merger, acquisition, or sale of all or a portion of our assets, your information may be transferred as part of that transaction. We will notify you via email and/or a prominent notice on our website of any such change in ownership or control of your personal information.

4. Data Security

We implement reasonable technical and organizational measures to protect the information you provide through Ackbx Xpenser from unauthorized access, use, alteration, or destruction. However, no method of transmission over the Internet or method of electronic storage is 100% secure. Therefore, while we strive to use commercially acceptable means to protect your personal information, we cannot guarantee its absolute security.

5. Data Retention

We retain the information you provide for as long as your account is active or as needed to provide you with the Service. If you delete your account, your financial data associated with that account will be removed from our active databases within a reasonable timeframe, unless otherwise required by law.

6. Your Choices and Rights

  • Access and Correction: You can access and update your financial information and account details directly within the Service.
  • Data Deletion: You can delete your account and associated data at any time through your account settings.
  • Cookies: Most web browsers are set to accept cookies by default. You can usually modify your browser settings to decline cookies if you prefer. Please note that some features of the Service may not function properly if cookies are disabled.
  • Do Not Track: Ackbx Xpenser doesn’t currently respond to “Do Not Track” signals from web browsers.

7. Children’s Privacy

Ackbx Xpenser isn’t intended for use by individuals under the age of 16. We don’t knowingly collect personally identifiable information from children under 16. If we become aware that we have collected personal information from a child under 16 without parental consent, we will take steps to remove that information from our servers.

8. Changes to This Privacy Policy

We may update our Privacy Policy from time to time. We’ll notify you of any changes by posting the new Privacy Policy on this page and updating the “Effective Date” at the top. We encourage you to review this Privacy Policy periodically for any changes. Your continued use of the Service after any modifications constitutes your acknowledgment of the modifications and your agreement to abide and be bound by the updated Privacy Policy.

9. Contact Us

For questions, contact us at contact@ackbx.com.