Privacy Policy

Introduction

At Sail, we take your privacy seriously. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our financial management application and related services.

By using Sail, you agree to the collection and use of information in accordance with this policy. If you do not agree with our policies and practices, please do not use our services.

Information We Collect

Personal Information

• Account registration information (name, email address, phone number)
• Authentication credentials and biometric data (when you enable biometric login)
• Profile information and preferences
• Communication data when you contact our support team

Financial Information

• Bank account information and transaction data (with your explicit consent)
• Credit card and payment method information
• Income, expenses, and budget information
• Subscription and recurring payment details
• Investment and asset information

Usage and Device Information

• Device information (device type, operating system, unique device identifiers)
• App usage data and analytics
• IP address and location information (if location services are enabled)
• Cookies and similar tracking technologies

AI Chat Interactions

• Messages and queries sent to our AI-powered financial assistant
• Conversation history and context for improved responses
• Feedback and ratings on AI responses

How We Use Your Information

We use the information we collect for the following purposes:

• Provide and maintain our financial management services
• Process transactions and manage your account
• Generate AI-powered financial insights and recommendations
• Provide personalized budgeting and spending analysis
• Send important notifications about your account and transactions
• Improve our services through analytics and user feedback
• Ensure security and prevent fraud
• Comply with legal and regulatory requirements
• Communicate with you about updates, promotions, and support

Data Security

We implement industry-leading security measures to protect your information:

• Bank-grade encryption: All data is encrypted using AES-256 encryption in transit and at rest
• Multi-factor authentication: We support biometric authentication and other security measures
• Secure data centers: Our infrastructure uses certified, secure cloud providers
• Regular security audits: We conduct regular security assessments and penetration testing
• Access controls: Strict employee access controls and monitoring
• Data minimization: We only collect and retain data necessary for our services

Third-Party Integrations

To provide our services, we may integrate with:

• Financial institutions: To securely connect and sync your account data
• Payment processors: To process subscription payments and transactions
• Analytics providers: To understand app usage and improve our services
• Cloud service providers: To host and maintain our infrastructure
• AI and machine learning services: To power our intelligent features

All third-party integrations are subject to strict data protection agreements and comply with applicable privacy laws.

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 your explicit consent
• To provide services you have requested
• To comply with legal obligations or court orders
• To protect our rights, privacy, safety, or property
• In connection with a merger, acquisition, or sale of assets (with notice to users)
• With service providers who assist in our operations (under strict confidentiality agreements)

Your Rights and Choices

You have the following rights regarding your personal information:

• Access: Request copies of your personal data
• Correction: Request correction of inaccurate or incomplete data
• Deletion: Request deletion of your personal data (subject to legal requirements)
• Portability: Request transfer of your data to another service
• Restriction: Request limitation of processing your data
• Objection: Object to processing based on legitimate interests
• Withdraw consent: Withdraw consent for data processing at any time

To exercise these rights, please contact us at the information provided below.

Data Retention

We retain your information only as long as necessary to:

• Provide our services to you
• Comply with legal and regulatory requirements
• Resolve disputes and enforce our agreements
• Maintain security and prevent fraud

When you delete your account, we will delete or anonymize your personal information, except where we are required by law to retain it.

International Data Transfers

Your information may be transferred to and processed in countries other than your own. We ensure that such transfers comply with applicable privacy laws and implement appropriate safeguards to protect your data, including standard contractual clauses and adequacy decisions.

Children's Privacy

Our services are not intended for children under 13 years of age. We do not knowingly collect personal information from children under 13. If you believe we have collected information from a child under 13, please contact us immediately.

Changes to This Privacy Policy

We may update this Privacy Policy from time to time. We will notify you of any material changes by posting the new Privacy Policy on this page and updating the “Last updated” date. We encourage you to review this Privacy Policy periodically for any changes.

Contact Us

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