HJ Finance Privacy Policy
Last Updated: 27-09-2025
1. Our Promise: Your Data, Your Power
At HJ Finance, privacy isn’t an afterthought—it’s a foundation. We believe your financial data is yours, and our job is to protect it, empower you with it, and never exploit it.
2. What We Collect
- Basics: Your name, contact info, device details, and any info you share when you create an account.
- Financials: With your consent, we may collect bank/account info, transactions, balances, and goals for smart insights.
- Usage: We track how you use our platform to improve your experience (think bug fixes and new features, not surveillance).
- Communications: When you contact us, we keep the message trail—it helps us serve you better.
3. How We Use It
- Help You Thrive: Deliver personalized insights, reminders, and nudges so you reach your financial dreams.
- Security: Detect fraud, stop bad actors, and keep your money (and identity) safe.
- Evolve & Innovate: Analyze anonymized data trends to make HJ Finance smarter for you (never to target ads from outsiders).
- You’re the Boss: You control your notifications, connected accounts, and can request data deletion any time.
4. How We Protect It
- Encryption: All sensitive data is encrypted, in transit and at rest.
- Minimalism: We collect only what’s needed, and never sell your data. Ever.
- Access: Only trusted, vetted HJ team members ever see your data—and only when necessary.
5. Sharing & Disclosure
- Never for Sale: We do not and will not sell or rent your data.
- With Your Consent: Sharing only happens when you request integration with another service, or when the law demands it.
- Trusted Partners: If we use third-party partners (like cloud storage), each is rigorously vetted for security and privacy standards.
6. Your Rights
- Access: You can see, export, or correct your info at any time.
- Control: Opt in or out of notifications, integrations, or research participation.
- Delete: You can delete your account and all associated data—just ask, and it’s gone, unless the law requires retention.
- Portability: Need your data elsewhere? We’ll help you move it, hassle-free.
7. Cookies & Tracking
HJ Finance only uses cookies for security, logins, and to make your experience seamless. No creepy trackers or third-party advertisers here.
8. Children’s Privacy
HJ Finance is for adults (18+). We do not knowingly collect data from children. If we discover it, we’ll delete it.
9. International Users
If you use HJ Finance from outside our home base, know that your data may be stored and processed anywhere we operate—but always under this policy.
10. Changes to This Policy
When we update this policy, we’ll notify you clearly (no hiding in the fine print). Continued use means you accept the changes.
11. Questions? Concerns? Control!
Email us any time: [Your Contact Email]
We believe privacy is a dialogue—let’s talk!
Our Philosophy: Privacy as Empowerment
Your financial data is your superpower, not our commodity. We exist to make you smarter, safer, and more in control—never to turn you into another data point.
HJ Finance: Building trust, one byte at a time.
