Privacy Policy for Kualia

Last Updated: October 14, 2025

Introduction

Kualia ("we," "our," or "us"), operated by Kualia, Inc., is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our personal finance and envelope budgeting service.

Information We Collect

Information You Provide to Us

Account Information

• Email address
• Name
• Password (encrypted)

Financial Data

• Bank account connections and transaction data
• Income and expense records
• Budget categories and spending targets
• Subscription and recurring transaction details
• Custom categories and tags
• Transaction notes and descriptions

Communication Data

• Support emails sent to support@kualia.com
• Feature requests and feedback
• Chat messages with our support team

Information Collected Automatically

Usage Information

• Pages viewed and features used
• Time spent on the application
• Device information (browser type, operating system)
• IP address
• Cookies and similar tracking technologies

Technical Data

• Application logs
• Error reports and debugging information
• Performance metrics

How We Use Your Information

We use your information to:

• Provide and maintain our service: Process your financial data, generate insights, and display your dashboard
• Improve our product: Analyze usage patterns to enhance features and user experience
• Communicate with you: Send service notifications, respond to support requests, and provide product updates
• Detect and prevent fraud: Monitor for suspicious activity and protect against unauthorized access
• Comply with legal obligations: Meet regulatory requirements and respond to legal requests
• Send notifications: Deliver alerts about new transactions, upcoming recurring charges, and anomaly detection (via email, Slack, or webhooks as configured)

Third-Party Services

Kualia integrates with the following third-party services:

Convex - Our backend infrastructure provider that stores and processes your data

Plaid or similar financial aggregation services - For connecting your bank accounts and retrieving transaction data (if applicable)

Loops Email - For sending notification emails

PostHog and Google Analytics - For understanding product usage, analyzing user behavior, and improving our service

Sentry - For error tracking and monitoring application performance to identify and fix bugs

Large Language Model (LLM) providers - We send merchant names and transaction amounts to LLM services for transaction categorization and analysis. This data is sent anonymously without any user identification information and is not stored or associated with your account.

These third parties have their own privacy policies and we encourage you to review them. We only share information necessary for these services to function.

Data Storage and Security

Data Storage

Your data is stored securely using Convex's infrastructure with encryption at rest and in transit. We implement industry-standard security measures including:

• Encrypted connections (HTTPS/TLS)
• Secure authentication mechanisms
• Regular security audits
• Access controls and monitoring

Data Retention

We retain your information for as long as your account is active or as needed to provide services. You may request deletion of your data at any time.

Your Rights and Choices

You have the right to:

• Access your data: Request a copy of the personal information we hold about you
• Correct your data: Update inaccurate or incomplete information
• Delete your data: Request deletion of your account and associated data
• Opt-out of communications: Unsubscribe from marketing emails (service notifications may still be necessary)
• Manage notification preferences: Control how and when you receive alerts (email, Slack, webhooks)

To exercise these rights, contact us at support@kualia.com.

Cookies and Tracking

We use cookies and similar technologies to:

• Maintain your session and keep you logged in
• Remember your preferences
• Analyze usage patterns
• Improve application performance

You can control cookies through your browser settings, though some features may not function properly without them.

Financial Data Privacy

We understand the sensitive nature of financial information. We commit to:

• Never sell your financial data to third parties
• Never share your data with advertisers
• Only access your data when necessary to provide support or improve our service
• Maintain strict internal access controls

Children's Privacy

Kualia is not intended for use by individuals under the age of 18. We do not knowingly collect information from children.

Changes to This Privacy Policy

We may update this Privacy Policy periodically. We will notify you of significant changes via email or through the application. Continued use of Kualia after changes constitutes acceptance of the updated policy.

International Data Transfers

If you are located outside the United States, please be aware that your information may be transferred to and processed in the United States where our servers are located.

California Privacy Rights

If you are a California resident, you have additional rights under the California Consumer Privacy Act (CCPA), including the right to know what personal information we collect and the right to request deletion of your personal information.

Contact Us

If you have questions about this Privacy Policy or our privacy practices, please contact us at:

Company: Kualia, Inc.

Email: support@kualia.com

Data Protection Officer

For privacy-related inquiries or to exercise your rights, you may contact our Data Protection Officer at:

Company: Kualia, Inc.

Email: support@kualia.com

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By using Kualia, you acknowledge that you have read and understood this Privacy Policy.