1. Acceptance of This Policy

By creating an account, accessing, or using ExactSpend, you acknowledge that you have read and agree to this Privacy Policy.

2. Information We Collect

Personal Information:

Name, email address, business details, and payment information.

Financial Data:

With user consent, ExactSpend connects to financial institutions via Plaid and other secure APIs to access transaction and account data.

Usage Data:

Device information, IP address, browser type, and session activity.

Receipts & Files:

Uploaded receipts, attachments, notes, and related metadata.

3. How We Use Information

We use collected information to:

• Provide, maintain, and improve ExactSpend services.
• Categorize transactions and match receipts using AI tools.
• Detect potential fraud or duplicate expenses.
• Process subscription payments through Stripe or other processors.
• Send account alerts, updates, and marketing communications (opt-out available).

AI Processing

Certain features of ExactSpend use artificial intelligence services (including OpenAI or similar providers) to analyze financial transactions, categorize expenses, detect patterns, and generate insights. AI-generated outputs are automated and may not always be accurate. Users are responsible for reviewing and verifying AI-generated results.

4. Sharing of Information

We do not sell personal data. We share limited data only with:

• Service Providers: Including Plaid, Stripe, OpenAI, and accounting integrations such as QuickBooks or Xero.
• Plaid Disclosure: Financial data is accessed through Plaid Inc. By using ExactSpend's financial connection features, you acknowledge and agree to Plaid's Privacy Policy: https://plaid.com/legal/#privacy-policy
• Legal Authorities: If required by law.
• Successor Entities: In the event of merger, acquisition, or asset sale.

5. Data Retention & Deletion

• Account data is retained while your account remains active.
• Inactive accounts may be deleted after 12 months.
• Users may request deletion at any time by contacting exactspend@gmail.com.
• Deleted data is removed from active systems and purged from backups within 30 days where reasonably practicable.

6. Data Security

We use industry-standard encryption and secure infrastructure to protect user data. While no system is completely secure, we take commercially reasonable measures to protect information.

7. Cookies & Tracking

We use cookies and analytics tools to improve functionality and performance. You may disable cookies in your browser settings.

8. Your Rights

You may:

• Access your personal data
• Request corrections
• Request deletion
• Request a copy of your data
• Withdraw consent or opt out of communications

9. International Users

Data is stored and processed in the United States. By using our services, you consent to such processing.

10. Children's Privacy

ExactSpend is not intended for individuals under 18. We do not knowingly collect information from minors.

11. Changes to This Policy

We may update this Privacy Policy periodically. The latest version will always be available at: https://exactspend.com/privacy-policy

12. Contact

AJS SaaS Holdings LLC
Pennsylvania, USA
Email: exactspend@gmail.com