Privacy Policy

CDH (Crowe Diehard Team) ("we," "our," or "us") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our web application and services.

When you create an account, we collect:

• Email address
• Name (first and last)
• Password (stored as a salted bcrypt hash; we never see your plaintext password)

When you use the application, we may also collect:

• Contact information you choose to import or enter
• Vision and goals you create within the app
• Budget and financial planning data you enter
• Onboarding progress and training completion data
• Calendar events from public iCal feeds you choose to subscribe to

We use the information we collect to:

• Authenticate your identity and provide secure access to your account
• Personalize your dashboard experience
• Store and sync your data across devices
• Provide the features and functionality of our application
• Send transactional emails (sign-up confirmation, password reset)

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

• Service providers: trusted vendors who help operate the application (hosting via Vercel, database via Neon, transactional email via Resend), subject to their respective privacy commitments.
• Legal requirements: if required by law or in response to valid legal requests.
• With your consent: any other sharing happens only with your explicit consent.

We implement appropriate technical and organizational security measures to protect your personal information, including encryption of data in transit (HTTPS), bcrypt-hashed passwords, and access controls. No method of transmission over the Internet is 100% secure, however, and we cannot guarantee absolute security.

We retain your personal information for as long as your account is active or as needed to provide you services. If you wish to delete your account and associated data, please contact us at the email address below.

You have the right to:

• Access the personal information we hold about you
• Request correction of inaccurate information
• Request deletion of your personal information
• Withdraw consent for data processing
• Export your data in a portable format

We may update this Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on this page and updating the "Last updated" date.

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

CDH - Crowe Diehard Team
Email: mccownandco@gmail.com