Privacy Policy

1. What Prosperithia Is

Prosperithia is a personal financial tracking and planning tool. It provides budgeting, expense tracking, income tracking, investment and liability overview, analytics, and AI-generated financial insights for informational and educational purposes only. Prosperithia is operated under the Sinaptix AI brand and is not a bank, a broker, an investment adviser, a tax adviser, or a legal adviser.

2. Personal Data We May Collect

When you create and use an account, we may collect and process the following categories of personal data:

• Account information: your email address and authentication-related data necessary to create and maintain your account.
• Financial data you voluntarily enter: account balances, income, expenses, refunds, transfers, investments, liabilities, savings goals, budgets, and user settings or preferences.
• Imported bank statement data: transaction records you choose to import from files you upload.
• Technical information necessary to operate the service: such as session identifiers and basic usage data required for authentication, security, and service functionality.

3. Purpose of Processing

We process your personal data to provide the Service, including displaying your financial overview, generating analytics, producing AI-generated insights, synchronizing your data across sessions, and operating your account. We do not use your financial data to send you marketing communications unless you separately request them.

4. Legal Basis

Where the General Data Protection Regulation (GDPR) or similar laws apply, we process your personal data based on the performance of a contract with you (providing the Service you requested), our legitimate interests in operating and securing the Service, and your consent where applicable. You may withdraw consent for activities that rely on it without affecting the lawfulness of processing based on consent before its withdrawal.

5. Data Storage

Your data is stored with the infrastructure providers that host the Service. Your financial data is associated with your account and is accessible only to you when you are logged in, except for authorized platform administrators as needed to operate and maintain the Service.

6. Account Access

You can access your account and the personal data within it at any time by signing in. Your dashboard, settings, and financial records are available to you within the application.

7. Data Export

You can export your data at any time using Settings → Export Your Data. This produces a downloadable file containing your accounts, income, expenses, refunds, transfers, investments, liabilities, budgets, goals, and preferences.

8. Backup and Restore

Prosperithia allows you to export a backup of your data and to restore previously exported Prosperithia data. You are responsible for securely storing any backup files you download. Prosperithia does not retain copies of your downloaded backup files.

9. Data Deletion

You can delete your financial data using Settings → Reset All Data, which permanently removes your financial records from your account. Deleting your financial data is a separate action from cancelling your subscription. Account deletion, where available, is handled separately.

10. Third-Party Service Providers

We use third-party service providers to operate the Service. These providers may process limited data on our behalf as necessary to deliver the Service.

11. Stripe and Payment Processing

Subscription payments are processed by Stripe. Prosperithia does not need to store your full payment card details directly. Payment card data is handled by Stripe in accordance with its own policies. We may receive subscription status and billing information from Stripe necessary to manage your subscription.

12. AI Coach Processing

When you use the AI Coach feature, your financial data may be processed to generate personalized financial insights inside Prosperithia. AI-generated responses are produced for informational and planning guidance only and do not constitute regulated financial, investment, tax, or legal advice.

13. Cookies and Technical Storage

The Service uses local storage and similar technical storage mechanisms to maintain your session, remember your preferences, and operate the application. This storage is strictly necessary for the Service to function. We do not use non-essential analytics or marketing cookies. Where applicable, you can manage or clear this storage through your browser settings, although doing so may affect the functionality of the Service.

14. Security

We take reasonable measures to protect your data using the security capabilities provided by our hosting and infrastructure providers. However, no method of transmission or electronic storage is completely secure, and we cannot guarantee absolute security.

15. International Data Transfers

Your data may be processed and stored by our infrastructure providers in countries other than your country of residence. Where applicable, appropriate safeguards may be used for such transfers. We do not represent that your data is stored exclusively in a specific country.

16. Data Retention

We retain your personal data for as long as your account is active or as necessary to provide the Service, comply with legal obligations, resolve disputes, and enforce our agreements. When you delete your financial data using the in-app reset feature, it is removed from your active account.

17. Your Rights

Depending on your jurisdiction, you may have the right to access, export, correct, or delete your personal data, and to object to or restrict certain processing. Within Prosperithia, you can:

• Access your data by signing in to your account.
• Export your data using Settings → Export Your Data.
• Correct your data by editing the relevant records within the application.
• Delete your financial data using Settings → Reset All Data.
• Request account-related assistance by contacting support.
• Contact us regarding privacy matters using the contact details below.

18. Contact

If you have questions about this Privacy Policy or your personal data, you can contact us at support@prosperithia.com.

19. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. When we do, we will revise the last updated date at the top of this page. We encourage you to review this page periodically.