Privacy Policy

EXPENSE GHOST PRIVACY POLICY

Last Updated: April 23, 2025

1. INTRODUCTION

Welcome to Expense Ghost ("we," "our," or "us"). This Privacy Policy is designed to inform you about our practices regarding the collection, use, and disclosure of information that you may provide when purchasing and using the Expense Ghost Complete Template Pack & Setup System.

Expense Ghost is fundamentally different from traditional expense tracking applications: we provide you with templates, tutorials, and setup guidance to build your own personal expense tracking system, rather than hosting a service on our servers. This distinction significantly impacts how your data is handled, as explained throughout this Privacy Policy.

2. KEY POINTS

Before diving into the details, here are the key points about our privacy practices:

No Data Storage: We do not store, process, or have access to your expense data, as it is hosted exclusively within your own personal accounts (Google, Telegram, OpenAI).
No Central Server: Expense Ghost does not operate servers that host your data or process your expenses.
Purchase Information: We collect and process basic information necessary to complete your purchase of the Expense Ghost Template Pack.
Self-Contained System: Once set up, your expense tracking system operates entirely within your own accounts and using your own API keys.

3. INFORMATION WE COLLECT

3.1 Purchase Information

When you purchase the Expense Ghost Template Pack & Setup System, we collect:

Name
Email address
Billing information (processed securely through our payment processor)
Purchase history

3.2 Support and Communication

If you contact us for support or participate in our community forums, we may collect:

Email correspondence
Support ticket information
Forum posts and comments

3.3 Website Usage

We collect standard website analytics data, including:

IP address
Browser type
Pages visited
Time spent on pages
Referral source

3.4 What We DO NOT Collect

We do not collect, store, or have access to:

Your expense data
Your voice notes or text messages
Your Google Sheet content
Your Telegram messages
Content processed through your OpenAI account
Financial information related to your tracked expenses

4. HOW YOUR EXPENSE DATA FLOWS

Once you've set up your Expense Ghost system following our tutorials, your data flows as follows:

You record an expense via Telegram using your personal Telegram account.
The message is processed via your personal OpenAI account using your API key.
The processed information is stored in your personal Google Sheet.

At no point does your expense data pass through our systems, servers, or storage. We have zero access to this information by design.

5. USE OF YOUR INFORMATION

We use the limited information we collect for the following purposes:

Providing the Template Pack: Delivering the digital product you purchased
Customer Support: Assisting with setup and usage questions
Product Improvements: Enhancing our templates and tutorials based on common questions or issues
Communications: Sending necessary product updates or enhancement notifications

6. SHARING YOUR INFORMATION

We do not sell, rent, or lease your personal information to third parties. We may share your information with:

Payment Processors: To complete your purchase transaction
Service Providers: Who assist us with website hosting, email delivery, and customer support
Legal Requirements: If required by law, legal process, or governmental authorities

7. SECURITY

We implement reasonable security measures to protect the limited personal information we collect. However, the most sensitive data—your expense information—is never in our possession and therefore not subject to our security practices. Instead, this data is protected by the security measures of the platforms you use (Google, Telegram, OpenAI).

8. YOUR CHOICES AND RIGHTS

You have the right to:

Access the personal information we hold about you
Correct inaccurate information
Request deletion of your information
Opt-out of marketing communications

To exercise these rights, please contact us at expenseghost@gmail.com

9. CHILDREN'S PRIVACY

Expense Ghost is not directed to individuals under 16 years of age, and we do not knowingly collect personal information from children. If you believe a child has provided us with personal information, please contact us immediately.

10. CHANGES TO THIS PRIVACY POLICY

We may update this Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on this page and updating the "Last Updated" date. You are advised to review this Privacy Policy periodically for any changes.

11. DATA RETENTION

We retain your purchase information for as long as necessary to fulfill the purposes outlined in this Privacy Policy, unless a longer retention period is required by law.

Again, we emphasize that your expense data is never stored on our systems, so we have no retention policies regarding that information.

12. INTERNATIONAL TRANSFERS

Your information may be transferred to—and processed in—countries other than the country in which you reside. These countries may have data protection laws that are different from the laws of your country. However, we will take steps to ensure that your personal information receives an adequate level of protection.

13. THIRD-PARTY SERVICES

Your use of Expense Ghost requires third-party services (Google, Telegram, OpenAI, Make.com). Each of these services has its own privacy policy governing how they handle your data. We encourage you to review their privacy policies:

14. CONTACT US

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

Email: expenseghost@gmail.com