Privacy & Data Usage Policy

miSense respects your privacy. We collect only what is necessary to provide clarity about your financial structure. This policy explains how we handle your data.

1. Data We Collect

1.1 Financial Information

• Consolidated Account Statements (CAS) uploaded by you
• Financial data you manually enter (income, expenses, loans)
• Investment portfolio information derived from uploaded documents

1.2 Account Information

• Email address for account creation and communication
• Password (stored encrypted)
• Profile preferences

1.3 Usage Data

• Basic analytics (pages visited, features used)
• Error logs for debugging
• Session information

2. How We Use Your Data

• Generate financial simulations and stress tests
• Calculate net worth and asset allocation
• Create personalized insight reports
• Improve platform reliability and user experience
• Send account-related communications (opt-in)

3. Data Security

• Encryption: All data is encrypted at rest and in transit (TLS/SSL)
• Access Control: Limited employee access with audit logs
• Regular Audits: Security reviews and vulnerability assessments
• Read-Only Processing: We cannot execute transactions on your behalf

4. What We Don't Do

5. Data Retention

• Financial data is retained as long as your account is active
• You can delete your data at any time from account settings
• Upon account deletion, data is permanently removed within 30 days
• Anonymized analytics may be retained for platform improvement

6. Third-Party Services

We use limited third-party services for:

• Cloud hosting (encrypted storage)
• Payment processing (we do not store card details)
• Analytics (anonymized usage patterns)

These services are bound by strict data processing agreements and cannot access your financial information for their own purposes.

7. Your Rights

You have the right to:

• Access your data at any time
• Export your data in machine-readable format
• Delete your account and all associated data
• Opt-out of communications (except critical account updates)
• Request information about how your data is used

8. Data Sharing & Disclosure

We do not share your personal or financial data except:

• When required by law (court orders, regulatory requests)
• To prevent fraud or security threats
• With your explicit consent

9. Children's Privacy

miSense FinSense is not intended for users under 18 years of age. We do not knowingly collect data from minors.

10. Changes to This Policy

We may update this privacy policy periodically. Material changes will be communicated via email. Continued use of the platform after changes constitutes acceptance of the updated policy.

11. Contact Us

For privacy-related questions or to exercise your rights, contact us at:

Email: privacy@misense.in
General Support: support@misense.in