bankies

Privacy Policy

Effective Date: December 29, 2024

Bankies ("we," "our," "us") is committed to protecting your personal data and privacy. This Privacy Policy describes how your information is collected, used, and safeguarded when you use the Bankies app.

Bankies is operated by Kieran Graham, a registered freelancer in Berlin, Germany. As the Data Controller under GDPR, we ensure that your data is handled lawfully, transparently, and securely.

1. Data We Collect

1.1 Personal Data

We collect the following personal data directly from you:

  • Parent or guardian's name and email address
  • Children's names for account personalization
  • Children's virtual money transaction data and chore tracking information

1.2 Device and Technical Data

We process:

  • IP Address: Processed temporarily to detect and prevent fraudulent activity. It is not stored permanently.
  • Session Tokens: Stored securely to authenticate users and maintain session continuity.
  • QR Codes: Used to facilitate auto-login in the kid's view mode. These are generated on-demand and not retained after use.
  • Usage Data: Collected through PostHog to understand how users interact with our app and improve the user experience.

1.3 Payment Data

Payment data, such as credit card details, is handled directly by Stripe, a secure third-party payment processor. Bankies does not store or process sensitive payment details. Stripe operates under its own privacy policy, available at Stripe's Privacy Policy.

2. Purpose and Legal Basis for Processing

We process your data for the following purposes:

  • Providing Core Services: To facilitate account creation, secure authentication, and use of Bankies' features
  • Tracking Virtual Transactions: To manage virtual money and chore tracking for children
  • Analytics: To understand user behavior and improve the app experience using PostHog

Our legal basis for processing your data includes:

  • Performance of a Contract: To provide the services you request by using the Bankies app
  • Consent: Your explicit consent for collecting and processing data, including data related to children
  • Legitimate Interests: For security purposes and app improvement

3. Sharing of Data

We do not sell your personal data. We may share data with trusted third-party service providers under strict contractual agreements to ensure data security and compliance:

  • PostHog: For app usage analytics and improvement. Data is pseudonymized where possible
  • Stripe: For secure payment processing
  • CloudFlare: For content delivery and DDoS protection
  • fly.io: For hosting our platform and services

These providers act as Data Processors under GDPR and are bound by obligations to protect your data.

4. Data Retention

We retain personal data only for as long as necessary for the purposes outlined in this policy or as required by law. Specifically:

  • Personal data related to your account is retained until you delete your account or request deletion
  • Transactional data related to subscriptions is retained for up to 10 years as required by German tax laws

5. Children's Data

Bankies processes limited personal data about children:

  • Names are used for account personalization
  • Chore and transaction data is used exclusively within the app for the purposes of teaching financial literacy

Parental consent is required to use the app. We comply with GDPR Article 8 and related provisions for handling children's data securely and transparently.

If you believe we have collected data from a child without parental consent, contact us immediately at [email protected].

6. Data Security

We implement appropriate technical and organizational measures to protect your data, including:

  • Encrypted communications using HTTPS
  • Secure storage of session tokens and authentication data
  • Regular security audits of the app and infrastructure
  • DDoS protection and content delivery through CloudFlare

While we take all reasonable precautions, no system can guarantee absolute security. You are responsible for keeping your account credentials confidential.

7. Your Rights Under GDPR

As a user in the EU, you have the following rights:

  • Right of Access: Obtain confirmation of whether your personal data is being processed and access the data
  • Right to Rectification: Correct inaccurate or incomplete personal data
  • Right to Erasure: Request deletion of your personal data ("right to be forgotten"), subject to legal requirements
  • Right to Restrict Processing: Limit the use of your data in certain circumstances
  • Right to Data Portability: Receive your data in a machine-readable format for transfer to another service
  • Right to Object: Object to processing based on legitimate interests, including profiling

To exercise these rights, email us at [email protected]. We will respond within 30 days in compliance with GDPR.

8. Third-Party Services

Bankies integrates with the following third-party services:

  • PostHog: For performance monitoring and improvement
  • Stripe: For payment processing
  • CloudFlare: For content delivery and security
  • fly.io: For application hosting and infrastructure

These providers operate independently and are governed by their respective privacy policies. We recommend reviewing their policies to understand how they process your data.

9. Cookies and Tracking

We use cookies and similar technologies for:

  • Authentication: Ensuring secure login sessions
  • App Analytics: Understanding how users interact with the app through PostHog
  • Security: CloudFlare security features and DDoS protection

You can manage your cookie preferences through your device or browser settings.

10. Changes to This Privacy Policy

We reserve the right to update this Privacy Policy at any time to reflect changes in legal requirements or app functionality. Updates will be posted on this page, and we will notify you of significant changes via email or in-app notifications.

11. Contact Information

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

Email: [email protected]

Terms of Use

Effective Date: December 29, 2024

These Terms of Use ("Terms") govern your access to and use of the Bankies app and related services ("Services"). By creating an account or using the Services, you agree to these Terms. If you do not agree, you may not use the Services.

Bankies is operated by Kieran Graham, a registered freelancer based in Berlin, Germany. For contact details, please refer to the Impressum.

1. Introduction

Bankies is a financial education app designed for families to help children learn about saving, budgeting, and investing virtual money. The Services are intended to be used under the supervision of a parent or guardian.

These Terms apply to all users of the Services, including parents, guardians, and children.

2. Eligibility

To use Bankies:

  • You must be at least 18 years old or the legal age of majority in your jurisdiction.
  • Children under the age of 13 may use the app only with verified parental consent and under the supervision of a parent or guardian.
  • By creating an account, you confirm that you meet these eligibility requirements.

3. Account Creation and Responsibilities

3.1 Account Registration:

  • Parents or guardians must create an account to access the Services.
  • During registration, you must provide accurate and complete information and keep it up-to-date.

3.2 Account Security:

  • You are responsible for maintaining the confidentiality of your login credentials.
  • You must immediately notify us at [email protected] if you suspect unauthorized use of your account.

3.3 Supervision of Children:

  • You are responsible for your child's use of the app, including the management of virtual money, chores, and goals.

4. Subscriptions and Payments

4.1 Payment Processing:

  • Bankies uses Stripe to process payments securely.
  • By subscribing to our Services, you agree to Stripe's terms and conditions, available at Stripe Privacy Policy.

4.2 Subscription Fees:

  • Subscription fees are displayed in the app and are subject to change.
  • Fees are billed in advance and may be non-refundable, except as required by law.

4.3 Cancellation:

  • You can cancel your subscription at any time through your account settings.
  • Upon cancellation, access to paid features will continue until the end of the billing cycle.

5. User Conduct

You agree to use the Services in accordance with these Terms and applicable laws. Prohibited activities include, but are not limited to:

  • Misusing the app to input false information or manipulate virtual money transactions.
  • Sharing inappropriate, offensive, or illegal content through the app.
  • Attempting to hack, disrupt, or overload the Services.
  • Engaging in activities that violate the rights of other users or third parties.

We reserve the right to suspend or terminate accounts violating these rules.

6. Intellectual Property

All content, design, and functionality of the Bankies app, including trademarks, logos, and software, are the property of Kieran Graham or licensed to us. You may not copy, modify, distribute, or use our content without prior written permission.

7. Third-Party Services

Bankies integrates with third-party providers, including:

  • Google Analytics for performance monitoring.
  • Stripe for payment processing.
  • fly.io for hosting.
  • CloudFlare for content delivery and security.

While we carefully select these providers, we are not responsible for their services, and you agree to their respective terms and conditions.

8. Privacy

Your use of the Services is subject to our Privacy Policy, which explains how we collect, use, and protect your personal data.

9. Limitation of Liability

To the fullest extent permitted by law:

  • Bankies is provided "as is" and without warranties of any kind.
  • We are not liable for indirect, incidental, or consequential damages arising from your use of the Services.
  • Our total liability for claims related to the Services is limited to the amount you paid in subscription fees in the 12 months preceding the claim.

10. Termination

We reserve the right to suspend or terminate your account if you violate these Terms. You may also terminate your account at any time. Upon termination, your data may be deleted, subject to applicable legal requirements.

11. Governing Law

These Terms are governed by the laws of Germany. Any disputes arising from these Terms or the Services will be resolved in the courts of Berlin, Germany.

12. Changes to Terms

We reserve the right to modify these Terms at any time. Significant changes will be communicated to you through the app or email. Continued use of the Services after changes constitutes acceptance of the revised Terms.

13. Contact Information

If you have questions about these Terms, please contact us at:

Email: [email protected]

Impressum

Company Information

Bankies

Operated by: Kieran Graham

Streustraße 55A

13086 Berlin

Germany

Contact Details

Email: [email protected]

VAT ID: DE323716306

Content Responsibility (§ 18 MStV): Kieran Graham

Hosting Provider

fly.io

2261 Market Street

Suite 4990

San Francisco, CA 94114

United States

Disclaimer

Liability for Content

As the operator of this app, we make every effort to ensure that the information provided is accurate, complete, and up-to-date. However, we cannot guarantee the accuracy, completeness, or timeliness of the content. According to § 7 (1) of the German Telemedia Act (TMG), we are responsible for our own content on this app. However, pursuant to §§ 8 to 10 TMG, we are not obligated to monitor transmitted or stored external information or to investigate circumstances indicating illegal activity. Obligations to remove or block the use of information under general laws remain unaffected. Liability is only possible from the time of knowledge of a specific legal violation. Upon becoming aware of such legal violations, we will remove the content immediately.

Liability for Links

Our app may contain links to external websites or services operated by third parties. We have no influence over the content of these external services and cannot accept any liability for their content. The respective provider or operator is always responsible for the content of linked websites. Linked sites were checked for possible legal violations at the time of linking, and no illegal content was identified. However, continuous monitoring of the content of linked sites without specific indications of legal violations is not feasible. Upon becoming aware of any legal violations, we will remove such links immediately.

Copyright

The content and works provided in this app are subject to German copyright law. The duplication, editing, distribution, or any form of commercialization of such material beyond the scope of copyright law requires prior written consent from the respective author or creator. Downloads and copies of this app are permitted for private, non-commercial use only. Where content is not created by the operator, third-party copyrights are respected. Should you nevertheless notice a copyright infringement, please notify us immediately. Upon becoming aware of any infringements, we will remove the affected content promptly.