1. Introduction

This Privacy Policy explains how Vesko Habits ("we," "us") collects, uses, stores, and protects your personal data when you use our mobile application ("App") and related services (collectively, the "Service"). We comply with the Personal Data Protection Act (PDPA) of Singapore and other applicable privacy laws. By using the Service, you consent to the practices described herein.

2. Data We Collect

We collect the following types of data:

2.1 Personal Identification Data

When you register an account, we may collect information such as your name, email address, and contact details (if provided). This data is used to create and manage your account.

2.2 Financial Data

Data you input into the App related to your financial goals, such as target amounts, deadlines, saving habits, and progress updates. This data is stored locally on your device and may be encrypted when backed up to our servers.

2.3 Usage Data

Information about how you interact with the App, including features used, frequency of use, device type, operating system, and IP address. This data is collected anonymously and used to improve the Service.

3. How We Use Your Data

Your data is used for the following purposes:

• To provide and maintain the Service, including tracking your financial goals and habits.
• To personalize your experience, such as displaying relevant progress updates and recommendations.
• To improve the App's functionality and user interface based on usage patterns.
• To communicate with you, including sending account updates, service announcements, or responding to inquiries.
• To ensure the security of the Service and prevent fraudulent activities.

4. Data Storage and Security

Your data is stored using industry-standard security measures to protect against unauthorized access, alteration, or disclosure. Financial data is encrypted using AES-256 encryption. While we strive to protect your data, no method of transmission over the internet or electronic storage is 100% secure, and we cannot guarantee absolute security.

Data is stored for as long as your account is active or as required by law. You may request deletion of your data by contacting us (see Section 8).

5. Data Sharing and Disclosure

We do not sell, rent, or share your personal data with third parties except in the following cases:

• With your explicit consent: We may share data if you have given us permission to do so.
• Service providers: We may engage third-party service providers to assist with hosting, data backup, or analytics. These providers are contractually obligated to protect your data and use it only for specified purposes.
• Legal requirements: We may disclose data if required by law, court order, or government authority, or to protect our legal rights, safety, or the safety of users.

6. Your Data Rights

Under the PDPA, you have the following rights regarding your data:

• Access: Request a copy of the personal data we hold about you.
• Correction: Request correction of inaccurate or incomplete data.
• Deletion: Request deletion of your data, subject to legal or operational requirements.
• Withdrawal of Consent: You may withdraw your consent to data collection by deleting your account, though this may limit your ability to use the Service.

To exercise these rights, contact us using the details in Section 8.

7. Third-Party Links

The App may contain links to third-party websites or services. This Privacy Policy does not apply to such third parties, and we are not responsible for their privacy practices. We encourage you to review the privacy policies of any third-party services you access.

8. Changes to This Policy

We may update this Privacy Policy from time to time. Any changes will be posted in the App and on our website, with the "Effective Date" updated. We recommend reviewing this policy periodically. Continued use of the Service after changes are made constitutes acceptance of the revised policy.