Privacy Policy

1. Introduction

Welcome to MoneyDesk ("we," "our," or "us"). MoneyDesk is a child company of Novex Solutions LLC, our parent organization. We are committed to protecting your personal information and your right to privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website and use our services.

As a child company of Novex Solutions LLC, MoneyDesk operates independently while maintaining compliance with our parent company's standards and policies. Your data is handled in accordance with this Privacy Policy and applicable data protection laws.

2. Information We Collect

2.1 Personal Information

We may collect personal information that you voluntarily provide to us when you:

• Register for an account
• Use our financial management services
• Contact us for support
• Subscribe to our newsletter
• Participate in surveys or promotions

This information may include: name, email address, phone number, payment information, financial data, and other information you choose to provide.

2.2 Automatically Collected Information

When you visit our website, we automatically collect certain information about your device, including:

• IP address
• Browser type and version
• Operating system
• Pages you visit and time spent on pages
• Referring website addresses
• Cookies and similar tracking technologies

3. How We Use Your Information

We use the information we collect to:

• Provide, maintain, and improve our services
• Process transactions and send related information
• Send you technical notices and support messages
• Respond to your comments and questions
• Send you marketing communications (with your consent)
• Monitor and analyze trends and usage
• Detect, prevent, and address technical issues
• Comply with legal obligations

5. Data Security

We implement appropriate technical and organizational security measures to protect your personal information. However, no method of transmission over the Internet or electronic storage is 100% secure, and we cannot guarantee absolute security.

6. 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 Novex Solutions LLC, our parent company, and affiliated companies for business operations, compliance, and service improvement purposes
• With service providers who assist us in operating our website and conducting our business
• When required by law or to respond to legal process
• To protect our rights, privacy, safety, or property, or that of Novex Solutions LLC
• In connection with a business transfer or merger
• With your consent or at your direction

When we share information with Novex Solutions LLC or its affiliates, we ensure that such sharing is done in accordance with this Privacy Policy and applicable data protection laws. Novex Solutions LLC and its affiliates are bound by the same privacy standards and commitments.

7. Your Rights

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

• The right to access your personal information
• The right to rectify inaccurate information
• The right to request deletion of your information
• The right to object to processing of your information
• The right to data portability
• The right to withdraw consent

To exercise these rights, please contact us at support@moneydesk.co

8. Children's Privacy

Our services are not intended for children under the age of 18. We do not knowingly collect personal information from children under 18. If you are a parent or guardian and believe your child has provided us with personal information, please contact us.

9. Changes to This Privacy Policy

We may update this 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.

10. Google API Services User Data Policy

MoneyDesk uses Google API Services to provide certain features, including Google Calendar integration. This section describes how we access, use, store, and share Google user data in compliance with the Google API Services User Data Policy and Google APIs Terms of Service.

10.1 Data Accessed

When you choose to use Google Calendar integration, MoneyDesk accesses the following types of Google user data:

• Calendar Events: We access your Google Calendar events to sync financial events, bill reminders, and payment due dates
• Calendar Metadata: We access calendar metadata including event titles, descriptions, dates, times, and recurrence patterns
• Basic Profile Information: We access your basic Google account information (email address and name) to associate calendar events with your MoneyDesk account

We only access Google user data that is necessary to provide the Google Calendar integration feature. We request the minimum scopes required for this functionality.

10.2 Data Usage

MoneyDesk uses the Google user data we access solely for the following purposes:

• Calendar Synchronization: To create, read, update, and delete calendar events related to your financial activities, including bill payment reminders, recurring transaction dates, and financial goal milestones
• Service Functionality: To provide you with the ability to view and manage your financial events within your Google Calendar
• User Experience: To ensure that calendar events are properly associated with your MoneyDesk account and displayed correctly

We do not use Google user data for any other purposes, including advertising, marketing, or any other commercial purposes beyond providing the core functionality of the Google Calendar integration feature.

10.3 Data Sharing

MoneyDesk does not sell, trade, or rent your Google user data to third parties. We may share Google user data only in the following limited circumstances:

• With Novex Solutions LLC: As a child company of Novex Solutions LLC, we may share Google user data with our parent company for business operations, compliance, and service improvement purposes, in accordance with this Privacy Policy
• With Service Providers: We may share Google user data with trusted service providers who assist us in operating our services (such as cloud hosting providers), provided they are bound by strict confidentiality obligations and use the data solely for the purpose of providing services to us
• Legal Requirements: We may disclose Google user data when required by law, legal process, or to respond to valid requests by public authorities
• Protection of Rights: We may share Google user data to protect our rights, privacy, safety, or property, or that of our users or others

We do not allow humans to read your Google user data unless:

• You have given us explicit permission to do so (for example, when you contact our support team and request assistance with a calendar-related issue)
• It is necessary for security purposes (such as investigating potential abuse or violations of our terms)
• It is required by law

10.4 Data Storage & Protection

MoneyDesk implements industry-standard security measures to protect your Google user data:

• Encryption: All Google user data is encrypted in transit using TLS/SSL protocols and encrypted at rest using industry-standard encryption algorithms
• Access Controls: We implement strict access controls and authentication mechanisms to ensure that only authorized personnel can access Google user data, and only when necessary for service operations
• Secure Storage: Google user data is stored on secure servers with appropriate physical and technical safeguards
• Regular Security Audits: We conduct regular security audits and assessments to identify and address potential vulnerabilities
• Token Management: We securely store and manage OAuth tokens using industry best practices, including token encryption and secure token refresh mechanisms

While we implement robust security measures, no method of transmission over the Internet or electronic storage is 100% secure. We cannot guarantee absolute security but are committed to protecting your data to the best of our ability.

10.5 Data Retention & Deletion

Data Retention: We retain Google user data only for as long as necessary to provide you with the Google Calendar integration service and fulfill the purposes outlined in this Privacy Policy. Specifically:

• Calendar event data is retained while your Google Calendar integration is active and for a reasonable period thereafter to ensure service continuity
• OAuth tokens and authentication data are retained while your account is active and for up to 90 days after you disconnect the integration or delete your account
• We may retain certain data for longer periods if required by law or for legitimate business purposes (such as fraud prevention or dispute resolution)

Data Deletion: You have the right to request deletion of your Google user data at any time. You can do this by:

• Disconnecting the Integration: You can disconnect your Google Calendar integration at any time through your MoneyDesk account settings. This will immediately stop any further access to your Google Calendar data
• Deleting Your Account: You can delete your MoneyDesk account, which will result in the deletion of all associated Google user data within 30 days
• Requesting Deletion: You can contact us directly at support@moneydesk.co to request deletion of your Google user data. We will process your request within 30 days
• Google's Data Controls: You can also revoke MoneyDesk's access to your Google data at any time through your Google Account settings at myaccount.google.com/permissions

Upon deletion, we will permanently delete your Google user data from our systems, except where we are required to retain it by law or for legitimate business purposes. Any data that must be retained will be anonymized to the extent possible.

10.6 Your Rights Regarding Google User Data

In addition to the rights described in Section 7 of this Privacy Policy, you have specific rights regarding your Google user data:

• Right to Access: You can view what Google user data we have accessed through your MoneyDesk account settings
• Right to Revoke Access: You can revoke MoneyDesk's access to your Google data at any time through your Google Account settings or by disconnecting the integration in MoneyDesk
• Right to Export: You can export your calendar data at any time through Google Calendar's export functionality
• Right to Deletion: As described above, you can request deletion of your Google user data at any time

11. Contact Us

If you have any questions about this Privacy Policy, please contact us: