PRIVACY POLICY

Make Spend Grow LLC d/b/a "Plan It Fi" ("Plan It Fi," "Make Spend Grow," "we," "us," or "our") respects your privacy. This Privacy Policy explains how we collect, use, disclose, and protect information when you use planitfi.com and any related pages, features, or services we operate (collectively, the "Service"). 1. Scope This Privacy Policy applies to information we collect through the Service. It does not apply to third-party websites, products, or services you may access through links on the Service. 2. Information We Collect We collect information in the following categories: A. Information you provide to us Account information: email address and password (password is stored in encrypted/hashed form). Self-entered financial profile information: basic information you input into the dashboard, which may include: - assets and liabilities overview, - savings rate, - age, - state of residence, - income, - tax filing status, - and any additional assumptions or fields you choose to enter (now or in the future). Communications: information you provide if you contact us (e.g., email messages). B. Information collected automatically Usage and analytics data: information about how you use the Service, such as pages viewed, features used, clicks and interactions, session information, referring/exit pages, and timestamps. Device and log data: IP address, browser type, device identifiers, operating system, approximate location derived from IP, and similar diagnostic data. Cookies and similar technologies: we may use cookies, pixels, and local storage to operate the Service and understand usage. Note: The Service does not require you to connect bank accounts or provide bank login credentials. All financial information is self-entered as of the Effective Date. 3. How We Use Information We use the information we collect to: - Provide, maintain, and improve the Service and Tools; - Create and manage your account and authenticate you; - Save your settings and preferences and cache data to improve dashboard load times and performance; - Monitor and analyze usage trends and user behavior to improve features and user experience; - Troubleshoot, secure, and protect the Service (fraud prevention, abuse monitoring, debugging); - Communicate with you about your account, updates, or support requests; and - Comply with legal obligations and enforce our Terms of Service. 4. How We Share Information We do not sell your personal information. We may share information in the following circumstances: A. Service providers We may share information with vendors that help us operate the Service (for example: hosting, databases, analytics providers, email delivery, customer support tools, and security services). These providers are permitted to process information only for us and in accordance with our instructions. B. Legal and safety We may disclose information if we believe disclosure is necessary to comply with law, legal process, or governmental requests; to protect rights, safety, and security; to investigate fraud or abuse; or to enforce our agreements. C. Business transfers If we are involved in a merger, acquisition, financing, reorganization, bankruptcy, or sale of assets, information may be transferred as part of that transaction, subject to applicable law and appropriate confidentiality protections. D. Aggregated or de-identified data We may share information that has been aggregated or de-identified so it cannot reasonably be used to identify you (for example, overall product usage statistics). 5. Analytics, Cookies, and Tracking We use analytics tools to understand how people use the Service (for example, what users click, which features are used, and how performance can be improved). These tools may use cookies or similar technologies. You can control cookies through your browser settings. If you disable cookies, some parts of the Service may not function properly (for example, staying logged in). 6. Data Retention We keep personal information for as long as reasonably necessary to: - provide the Service, - maintain your account, - comply with legal obligations, - resolve disputes, and - enforce agreements. We may retain certain information for legitimate business purposes (such as security logs, fraud prevention, and system backups) even after account deletion, consistent with applicable law. 7. Security We use reasonable administrative, technical, and organizational safeguards designed to protect information. However, no method of transmission or storage is 100% secure, and we cannot guarantee absolute security. 8. Your Choices and Controls Depending on how the Service is configured, you may be able to: - review and update your self-entered profile data within your account, - update your account email and password (where supported), and - request deletion of your account by contacting us at contact@makespendgrow.com. We may request information to verify your identity before completing certain requests. 9. Children's Privacy The Service is not intended for children under 13, and we do not knowingly collect personal information from children under 13. If you believe a child has provided us personal information, contact us and we will take appropriate steps to delete it. 10. U.S. Users and State Privacy Rights Privacy laws vary by state. Depending on where you live (including California), you may have certain rights regarding your personal information, such as the right to request access, correction, or deletion. To exercise privacy requests, contact us at contact@makespendgrow.com. We will respond in accordance with applicable law. We may need to verify your request before fulfilling it. 11. Future Features and Advisor Partnerships We may add features and change the types of information we collect over time. If we do, we will update this Privacy Policy. In the future, we may partner with a financial advisor or other regulated professional who could offer individualized planning services. If we ever share your personal information with such a partner for individualized services, we will do so only with appropriate disclosures and, where required, your consent, and we will update this Privacy Policy accordingly. 12. Changes to This Privacy Policy We may update this Privacy Policy from time to time. The "Effective Date" above indicates when this Privacy Policy was last updated. If we make material changes, we may provide notice through the Service or by other appropriate means. 13. Contact Us If you have questions about this Privacy Policy or our privacy practices, contact us at: contact@makespendgrow.com Make Spend Grow LLC d/b/a Plan It Fi 2520 Venture Oaks Way, Suite 120 Sacramento, CA 95833