Privacy Policy | BankOfGaga

1. Introduction

BankOfGaga ("we," "our," or "us") operates the BankOfGaga platform available at bankofgaga.com (the "Service"). This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our Service. Please read this policy carefully. If you disagree with its terms, please discontinue use of the Service.

2. Information We Collect

We collect information in the following ways:

Information you provide directly

Name and email address when you create an account
Phone number if you choose to provide it
Financial information related to money agreements (amounts, terms, payment history) that you or a family member enters into the Service
Messages or notes you include with borrowing requests

Information collected automatically

Log data including your IP address, browser type, pages visited, and time spent on pages
Device information including hardware model, operating system, and unique device identifiers
Cookies and similar tracking technologies to maintain your session and preferences

Information from third-party sign-in providers

If you sign in using Google, we receive your name and email address from that provider. We do not receive your password or payment information from these providers.

3. How We Use Your Information

We use the information we collect to:

Create and manage your account
Provide, operate, and maintain the Service
Track and display money agreements, payment schedules, and payment history
Send transactional communications such as payment reminders and account notifications
Respond to your comments, questions, and requests for support
Monitor and analyze usage trends to improve the Service
Detect, prevent, and address technical issues or fraudulent activity
Comply with legal obligations

4. How We Share Your Information

We do not sell your personal information. We may share your information in the following limited circumstances:

Within your family group: Information about money agreements is visible to both the lender (Gaga) and the borrower (member) within the same account group.
Service providers: We share information with third-party vendors who help us operate the Service, including Supabase (database hosting) and Vercel (application hosting). These parties are contractually obligated to protect your information.
Legal requirements: We may disclose your information if required to do so by law or in response to valid requests by public authorities.
Business transfers: If we are involved in a merger, acquisition, or sale of assets, your information may be transferred as part of that transaction.

5. Data Retention

We retain your personal information for as long as your account is active or as needed to provide the Service. You may request deletion of your account and associated data at any time by contacting us at support@bankofgaga.com. We may retain certain information as required by law or for legitimate business purposes.

6. Security

We implement industry-standard security measures to protect your information, including encrypted data transmission (TLS), hashed passwords (bcrypt), and access controls. However, no method of transmission over the Internet or electronic storage is 100% secure. We cannot guarantee absolute security.

7. Children's Privacy

BankOfGaga is designed to be used by families, including minors, under the supervision and management of a parent or guardian ("Gaga"). We do not knowingly collect personal information directly from children under the age of 13 without verifiable parental consent. Minor accounts are created by a parent or guardian through the invitation system, and the parent or guardian is responsible for managing the account. If you believe we have inadvertently collected information from a child under 13 without parental consent, please contact us at support@bankofgaga.com and we will promptly delete it.

8. Your Rights

Depending on your location, you may have the right to:

Access the personal information we hold about you
Correct inaccurate or incomplete information
Request deletion of your personal information
Object to or restrict our processing of your information
Data portability — receive a copy of your data in a structured format

To exercise any of these rights, contact us at support@bankofgaga.com.

9. Cookies

We use cookies and similar technologies to maintain your authenticated session and remember your preferences. You can instruct your browser to refuse all cookies or to indicate when a cookie is being sent. If you do not accept cookies, some parts of the Service may not function properly.

10. Third-Party Links

The Service may contain links to third-party websites. We have no control over and assume no responsibility for the content, privacy policies, or practices of any third-party sites or services.

11. Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of any changes by posting the new policy on this page and updating the effective date. We encourage you to review this page periodically. Your continued use of the Service after any changes constitutes your acceptance of the new policy.

12. Contact Us

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

BankOfGaga
Email: support@bankofgaga.com
Website: bankofgaga.com