Privacy Policy

Effective Date: 19.02.2025

This Privacy Policy describes how JustSuperr OÜ ("we," "us," or "our") collects, uses, and protects personal information when you use the Me in Finance APP (or M.I.F APP) and our websites at www.mif-app.com and www.meinfinance.com. We operate in all EU countries and are committed to complying with the General Data Protection Regulation (GDPR). By using our services, you consent to the collection and processing of your data as outlined in this policy.

1. Information We Collect

To provide, improve, and secure our services, we may collect various types of personal information, including:

Personal Information: Email address, first and last name, phone number, address (including state, province, ZIP/postal code, and city), social media profile information (if connected through platforms like Facebook or Google), occupation, and marital status.

2. How We Collect Information

We collect information in the following ways:

Directly from you: When you create an account, update your profile, or communicate with us.
Automatically: Through cookies, analytics, and tracking technologies (e.g., Google Analytics, Mixpanel, Pendo).
From Third-Party Platforms: If you link social media profiles or use third-party sign-in services.

3. How We Use Your Information

We use your information for the following purposes:

Service Delivery: To provide, manage, and personalize our services.
Analytics and Improvements: Using Google Analytics, Mixpanel, and Pendo to understand user interactions and improve our platform.
AI Integration: We may use OpenAI API and other AI services to enhance user experience by providing insights and personalized recommendations.
Payment Processing: For subscriptions and in-app purchases, we work with payment providers such as PayPal, Stripe, and direct bank transfers.
Advertisements and Recommendations: Our platform features recommendations tailored through research and linked with referral codes; however, they are not traditional ads.

4. Plaid API and Bank Data Access

Our app uses the Plaid API to allow you to connect your bank accounts securely. By authorizing access, you consent to allow Plaid to retrieve data from your accounts every 180 days. This data includes expenses, income, and transaction history to provide a complete overview of your finances. For more details, please refer to Plaid’s privacy policy.

Plaid allows you to securely send information on your payment accounts to us and other service providers. To use Open Banking services, you will be asked to agree to Plaid’s End User Services Agreement and provide your payment account details to Plaid, or, for Open Banking connections, you will be redirected to your bank by Plaid to authenticate yourself. By agreeing to Plaid’s End User Services Agreement, you authorize Plaid to access information on your payment accounts and transmit that information to us. Plaid is subject to UK and EU data protection laws and is required to handle your data in accordance with those laws, as well as Plaid’s Privacy Policy.

5. Notifications

Notifications within the Me in Finance APP (or M.I.F APP) are fully customizable by the user. You can manage and select your notification preferences, choosing to receive alerts for actions such as new income deposits, expenses, or account re-authentication requirements.

6. Third-Party Services

We collaborate with several third-party providers, including:

Analytics: Google Analytics, Mixpanel, Pendo
Email Marketing: Hubspot
Advertising Platforms: Meta Ads, Google Ads, TikTok Ads, LinkedIn
Payment Processing: PayPal, Stripe
APIs: Plaid API, Stripe API, OpenAI API, CoinApi, etc..
Security: Invisible reCAPTCHA, Cloudflare

Each third-party provider has its own privacy policy governing the handling of data; please refer to these third parties directly for additional information.

7. Data Retention and Security

We implement technical and organizational measures to protect your personal data. Data retention periods comply with applicable laws, ensuring that data is kept only as long as necessary for the purposes outlined in this policy or as required by law.

8. GDPR Compliance and Your Rights

Under the GDPR, EU residents have specific rights regarding their data:

Right to Access: You may request a copy of the data we hold about you.
Right to Rectification: You can request corrections to inaccurate information.
Right to Erasure: You can request that we delete your data, subject to legal obligations.
Right to Restrict Processing: You may request a restriction on how we use your data.
Right to Data Portability: You may request that your data be transferred to another service provider.
Right to Withdraw Consent: You can withdraw consent for data processing where applicable.

To exercise these rights, please contact us at legal@meinfinance.com.

9. Use of Cookies and Tracking Technologies

We use cookies and similar tracking technologies to enhance user experience, analyze traffic, and serve tailored recommendations. For more information on managing cookies, refer to our Cookie Policy [link if available].

10. Remarketing and Retargeting

We use remarketing services to show advertisements on third-party websites based on your activity within our app, using platforms such as Meta Ads, Google Ads, TikTok Ads, LinkedIn Ads, and Bing Ads.

11. Data Transfer

As we operate within the EU, your data is processed in accordance with GDPR regulations. For users outside the EU, please be aware that your information may be transferred to and processed within the EU.

12. Contact Us

For questions or concerns regarding this Privacy Policy or your data rights, you can reach us through:

Email: legal@meinfinance.com
Help Center: Coming Soon
Live Chat: Accessible within the Me in Finance APP (or M.I.F APP).
Mailing Address: Harju maakond, Tallinn, Lasnamäe linnaosa, Lõõtsa tn 2a, 11415, Estonia

By using our services, you agree to this Privacy Policy. Changes to this policy will be posted on our website, so we recommend checking periodically for updates.