Privacy Policy
Last updated: April 2, 2026
This Privacy Policy describes how Cent Tracker collects and uses your personal information. We are committed to protecting your privacy and handling your data responsibly. We want you to understand what information we collect, how we use it, and what choices you have regarding your personal data.
Information We Collect
We collect various types of information to provide and improve our services:
- Account information you provide during registration, such as your name, email address, and password
- Spending data you enter manually, including purchase amounts, categories, and payment methods used
- Transaction details related to cash, Octopus card, and mobile payment tracking preferences
- Device and browser information, including IP address, browser type, and device identifiers
- Usage data showing how you interact with our platform, including pages visited and features accessed
- Cookies and similar tracking technologies to enhance your browsing experience
- Location information if you grant permission, which helps us provide location-based insights
How We Use Your Information
We use the information we collect for several important purposes. We use your data to create and maintain your account, process your spending entries, and provide personalized insights into your micro-expense habits. Your information helps us identify spending patterns, calculate monthly totals, and deliver recommendations for better financial awareness.
We also use your data to improve our services, develop new features, and optimize the user experience. Analytics help us understand how people use our platform and identify areas for enhancement. We may send you service updates, security alerts, and educational content about spending awareness. We never sell your personal data to third parties, but we may share aggregated, anonymized statistics with partners to improve financial awareness initiatives in Hong Kong.
Your Privacy Rights
You have important rights regarding your personal information. You can request access to any data we hold about you, including your spending records and transaction history. You have the right to correct inaccurate information and request deletion of your account and associated data at any time.
You can withdraw consent for specific data processing activities, such as analytics tracking or marketing communications. You have the right to data portability, meaning we can provide your information in a portable format. If you believe we have violated your privacy rights, you can lodge a complaint with the Office of the Privacy Commissioner for Personal Data in Hong Kong. We will respond to all privacy requests within thirty days.
Cookies and Tracking
We use cookies to enhance your experience on our platform. Essential cookies are necessary for basic functionality, security, and account management. Analytics cookies help us understand user behavior and improve our services. Preference cookies remember your settings and choices to personalize your experience.
You can control cookies through your browser settings and choose to accept or reject non-essential cookies. Disabling cookies may affect some features of our platform. We use Google Analytics for anonymous usage tracking, which helps us identify spending awareness trends. We do not use cookies for targeted advertising or behavioral profiling related to your financial data.
Data Security
We implement industry-standard security measures to protect your personal information from unauthorized access, disclosure, and misuse. Your data is encrypted during transmission using SSL/TLS protocols. We maintain secure servers with restricted access and regular security audits to ensure compliance with data protection standards.
While we take security seriously, no system is completely secure. We cannot guarantee absolute protection against all cyber threats. We encourage you to use strong passwords, enable two-factor authentication, and report any suspicious activity immediately. In the event of a data breach, we will notify affected users within thirty days and cooperate with relevant authorities.
Data Retention
We retain your personal information only as long as necessary to provide our services and fulfill the purposes outlined in this policy. Your spending records are retained for twelve months to support annual spending analysis and pattern identification. Account information is retained while your account is active and for two years after deletion for legal compliance and dispute resolution purposes.
You can request deletion of your data at any time, though we may retain certain information for legal, tax, or compliance reasons. Aggregated and anonymized data that cannot identify you may be retained indefinitely for research and service improvement purposes.
Children’s Privacy
Our service is not intended for children under eighteen years old. We do not knowingly collect personal information from minors. If we become aware that a child has provided us with personal data, we will delete such information immediately and terminate the child’s account. Parents or guardians who believe their child has provided information should contact us right away.
Changes to This Privacy Policy
We may update this Privacy Policy from time to time to reflect changes in our practices, technology, legal requirements, or other factors. We will notify you of material changes by posting the updated policy on our website and updating the last modified date. Continued use of our service after changes constitutes your acceptance of the updated Privacy Policy. We encourage you to review this policy regularly to stay informed about how we protect your information.
Contact Us
If you have questions about this Privacy Policy or wish to exercise your privacy rights, please contact us:
Email: [email protected]
Phone: +852 2789 4156
Address: 88 Des Voeux Road Central, Hong Kong, 999077, Hong Kong
We will respond to all inquiries within seven business days. Your privacy matters to us, and we are committed to addressing your concerns promptly and professionally.