Privacy Policy

Welcome to MoneyBeep ("we," "us," or "our"). This Privacy Policy explains how Bowman Ventures LLC collects, uses, discloses, and safeguards your information when you use our website and services at moneybeep.com (the "Service").

Please read this Privacy Policy carefully. By using our Service, you agree to the collection and use of information in accordance with this policy.

1. Information We Collect

1.1 Personal Information You Provide

When you register for an account, we collect:

• Name - To personalize your experience
• Email address - For account management and notifications
• Phone number (optional) - For SMS reminder notifications (Pro plan only)
• Payment information - Processed securely through Stripe (we do not store full credit card details)

1.2 Reminder Data

When you create reminders, we collect:

• Reminder name/description
• Payment amounts
• Due dates and frequencies
• Notification preferences (email, SMS, webhook settings)
• Custom notification schedules

1.3 Automatically Collected Information

When you use our Service, we automatically collect:

• Usage Data - Pages visited, time spent, features used
• Device Information - Browser type, operating system, IP address
• Cookies and Tracking Technologies - See Section 4 for details

2. How We Use Your Information

We use your information to:

2.1 Provide and Maintain Services

• Create and manage your account
• Send reminder notifications via email and SMS
• Process subscription payments
• Provide customer support

2.2 Improve Our Service

• Analyze usage patterns to improve features
• Debug technical issues
• Develop new features based on user needs

3. Third-Party Services We Use

MoneyBeep integrates with the following third-party services:

3.1 Stripe (Payment Processing)

• What they do: Process subscription payments (Pro plan)
• What they collect: Payment card information, billing address
• Their privacy policy: https://stripe.com/privacy

3.2 Mailgun (Email Delivery)

• What they do: Send reminder notification emails
• What they collect: Email addresses, email delivery data
• Their privacy policy: https://www.mailgun.com/legal/privacy-policy/

3.3 Twilio (SMS Delivery - Pro Plan Only)

• What they do: Send SMS reminder notifications
• What they collect: Phone numbers, SMS delivery data
• Their privacy policy: https://www.twilio.com/legal/privacy

3.4 Google Analytics

• What they do: Analyze website traffic and usage
• What they collect: Anonymized usage data, IP addresses (anonymized)
• Tracking ID: G-FGD0F5LNL5
• Opt-out: You can opt-out using browser extensions like Google Analytics Opt-out Browser Add-on

4. Cookies and Tracking Technologies

4.1 What Cookies We Use

Essential Cookies (Required):

• moneybeep-session - Maintains your login session
• XSRF-TOKEN - Security token to prevent CSRF attacks
• laravel-session - Application session data

Analytics Cookies (Optional):

• _ga - Google Analytics: Distinguishes users
• _ga_* - Google Analytics: Maintains session state

5. Data Retention

5.1 Active Accounts

We retain your data as long as your account is active or as needed to provide services.

5.2 Account Deletion

When you delete your account:

• Personal information is deleted within 30 days
• Reminder data is permanently deleted
• Backup copies are removed within 90 days
• Some data may be retained for legal compliance (tax records, etc.)

6. Data Security

We implement industry-standard security measures:

• Encryption - HTTPS/TLS encryption for all data transmission
• Secure Storage - Encrypted database storage
• Access Controls - Limited employee access to user data
• Regular Audits - Security reviews and updates

However, no method of transmission over the Internet is 100% secure. We cannot guarantee absolute security.

7. Your Privacy Rights

• Access and Portability - You can access and export your data anytime through your account settings
• Correction - You can update your personal information in your profile settings
• Deletion - You can delete your account at any time
• Opt-Out of Marketing - You can unsubscribe from marketing emails using the link in any marketing message

8. Children's Privacy

MoneyBeep is not intended for users under 18. We do not knowingly collect information from children under 18. If we learn we've collected data from a child under 18, we will delete it promptly.

9. International Data Transfers

MoneyBeep is operated in the United States. If you're located outside the U.S., your information will be transferred to and processed in the U.S. By using our Service, you consent to this transfer.

10. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. We will notify you of changes by:

• Posting the new Privacy Policy on this page
• Updating the "Last Updated" date
• Sending email notification for material changes

11. Contact Us

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