Privacy Policy

Effective Date:

Scope What We Collect How We Use Sharing & Disclosure Your Rights Contact Us

1. Scope

This Privacy Policy applies to your use of the products and services provided by Afford (including websites, mobile applications, and related functions). We will clearly and understandably explain how we collect, use, store, and protect your personal information.

2. Information We Collect

Depending on the features you use, we may collect the following categories of information:

  • Account and Contact Information: e.g., email address (used for login, account recovery, or notifications).
  • Profile Information: e.g., age group, city, currency preference, risk tolerance (used for personalized calculations and display).
  • Financial Input Information: e.g., monthly income, monthly expenses, savings, assets, and daily expense estimates (used for budget and net worth projection estimates).
  • Device and Log Information: e.g., device model, operating system, crash logs (used for stability and security).

We will not ask you to provide sensitive information unrelated to the product's purpose. You may choose not to provide optional information, but some features may be limited.

3. How We Use Information

  • To Provide and Improve Services: Calculating "Safe Daily Spending," monthly forecasts, and net worth changes, and optimizing the product experience.
  • Security and Risk Control: Preventing abuse, fraud, and unauthorized access.
  • Communication and Support: Responding to your questions and providing necessary notifications.

4. Sharing, Transfer, and Disclosure

We do not sell your personal information to third parties. We may only share or disclose it in the following circumstances:

  • Necessary for Service Provision: e.g., cloud services, error analysis providers (processed within reasonable limits).
  • With Your Explicit Consent: e.g., when you actively choose to export or share reports or data.
  • Legal Requirements: When required by law by regulatory or judicial authorities.

5. Information Storage and Security

  • We take reasonable technical and administrative measures to protect your information from leakage, tampering, or loss.
  • Information is stored for as long as necessary to achieve product functions and comply with legal requirements, after which it will be deleted or anonymized.

6. Your Rights

You may exercise the following rights to the extent permitted by applicable law:

  • Access and Correction: View and update your profile information.
  • Deletion: Delete your account and related data (subject to the "Delete Data/Account" feature within the product).
  • Withdraw Consent: Withdraw consent for optional permissions and optional information provision.

7. Children

If you are a minor, please use this product under the consent and guidance of a guardian. We do not actively collect information from minors beyond what is necessary for the product.

8. Policy Updates

We may update this Privacy Policy. Significant changes will be notified to you via in-app prompts, site announcements, or the contact information you provided.

9. Contact Us

If you have any questions, suggestions, or complaints regarding this Privacy Policy, please contact:

hello@jostudio.app

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