Effective Date: 02.18.25

LARVIN INVESTMENTS LLC ("Company", "we", "us", or "our") operates Budget Helper - Larvin ("App") and is committed to protecting the privacy of our users ("you", "your"). This Privacy Policy explains how we collect, use, share, and protect your personal information when you use our App.

By using Budget Helper - Larvin, you agree to the collection and use of your information as described in this Privacy Policy.

1. Description of Services

Budget Helper - Larvin is a personal finance management tool designed to help users:

  • Track their finances, including income, expenses, and budgeting.
  • Organize and categorize their spending habits.
  • Gain insights into their financial activity through analytics and reports.
  • Optionally explore third-party financial service providers based on user preferences.

We are not a financial institution, lender, broker, or credit provider. We do not collect sensitive financial data, determine loan eligibility, or participate in any financial transactions between users and third-party providers.

Our platform provides only informational tools to help users manage their finances and explore relevant services if they choose to do so.

2. Information We Collect

We may collect the following types of information when you use our App:

2.1 Personal Information (Provided by You, Optional)

  • Name, contact details (such as email or phone number).
  • Optional profile details you provide to enhance your experience.
  • We do not collect or store sensitive financial information such as Social Security Numbers, bank account details, or credit card numbers.

2.2 Device and Usage Information (Collected Automatically)

  • IP address, device type, operating system version.
  • Unique device identifiers and app settings.
  • Usage data (e.g., interactions with features, time spent in the app).

2.3 Third-Party Analytics and SDKs

Budget Helper - Larvin integrates third-party tools, including Firebase by Google, to collect aggregated usage statistics, app performance metrics, and crash reports. These tools do not collect personal financial data but help us improve the stability and performance of the app.

For more details, refer to Google's Privacy Policy: https://policies.google.com/privacy

3. How We Use Your Information

We use collected data to:

  • Improve the user experience and functionality of Budget Helper - Larvin.
  • Provide financial insights and budgeting recommendations.
  • Ensure compliance with legal and security requirements.
  • Prevent fraudulent activity and unauthorized access.

We do not use your data to:

  • Make financial decisions on your behalf.
  • Determine loan eligibility.
  • Sell or share personal data with third parties for advertising purposes.

4. Sharing of Information

We do not sell your personal information. However, in certain cases, we may share limited data with:

Service Providers: We work with trusted third parties to assist with app maintenance, analytics, and customer support to ensure smooth operation.

Third-Party Financial Service Providers (Optional): If you choose to explore external financial services through the App, we may provide non-personally identifiable information to suggest relevant service providers.

Legal and Regulatory Authorities: If required by law, we may disclose information to comply with legal obligations, enforce our policies, or respond to legal requests.

Any data shared with third parties is done in compliance with applicable privacy laws and is limited to the minimum information necessary for the intended purpose.

5. Security & Data Retention

We implement industry-standard security measures to protect user data from unauthorized access, alteration, or disclosure. However, no digital platform can guarantee absolute security.

Your data is retained only for as long as necessary to fulfill the purposes outlined in this Privacy Policy or as required by law. If you request data deletion, we will remove your data in accordance with applicable regulations.

6. Your Rights & Choices

Depending on your location, you may have the following rights regarding your data:

Access & Correction: You may request access to the personal information we hold about you and correct any inaccuracies.

Data Deletion: You can request the deletion of your personal data by contacting us.

Opt-Out of Optional Features: You can choose not to use features that involve third-party interactions.

To exercise any of these rights, please contact us at: https://larvincash.org/support.html

7. Compliance with Global Privacy Laws

Budget Helper - Larvin complies with privacy laws applicable in different jurisdictions:

California Consumer Privacy Act (CCPA): California residents can request to know, delete, or opt-out of the sale of their data.

General Data Protection Regulation (GDPR - EU Users): European users have rights to access, modify, and request deletion of their data.

Other U.S. State Laws: We follow applicable laws in other U.S. states where privacy regulations are in place.

8. Changes to This Privacy Policy

We reserve the right to update this Privacy Policy from time to time. Any changes will be reflected in the "Effective Date" at the top of this page. Continued use of the App after modifications constitutes acceptance of the updated Privacy Policy.

9. Contact Information

For any privacy-related inquiries, you can reach us at:

LARVIN INVESTMENTS LLC
5 Pawtucket Dr, Cherry Hill, NJ, 08003
Support: https://larvincash.org/support.html