This Privacy Policy describes how Marven Harrington Group Limited Liability Company, doing business as SpendAI (“SpendAI,” “we,” “us,” or “our”), collects, uses, and protects information when you use our website, applications, and related services.

Information We Collect

We may collect your name, email address, phone number or other contact information you provide, account credentials, communications with us, and basic technical and usage information such as IP address, browser/device information, and interactions with the Services. SpendAI currently does not require users to provide real banking or detailed business financial information to use the sandbox environment.

Sandbox Data

SpendAI may automatically create sample businesses, cards, transactions, balances, invoices, vendors, budgets, and other simulated financial data for demonstration purposes. Users should not enter Social Security numbers, real bank account or payment card numbers, passwords, or other highly sensitive information into sandbox fields.

How We Use Information

We use information to create and manage accounts, provide and secure the Services, communicate with users, provide support, understand product usage, prevent misuse, and develop and improve SpendAI.

AI Features

SpendAI may use artificial intelligence to analyze sample or test data and demonstrate functionality such as categorization, forecasting, anomaly detection, financial insights, and recommendations.

How We Share Information

We may share information with service providers that help us operate SpendAI, including cloud infrastructure, authentication, communications, analytics, security, and AI technology providers. We may also disclose information where required by law or in connection with a corporate transaction. We do not sell personal information for monetary consideration.

Data Retention & Security

We retain personal information only as reasonably necessary to operate the Services, communicate with users, comply with legal obligations, and maintain security. We use reasonable safeguards designed to protect personal information, but no electronic system can be guaranteed to be completely secure.

Your Choices & Rights

You may contact us to request access to, correction of, or deletion of your personal information where applicable. You may unsubscribe from marketing communications using the unsubscribe option provided in those communications.

Children, Updates & Contact

SpendAI is intended for business users and is not intended for children. We may update this Privacy Policy as our Services and data practices evolve. Questions or privacy requests may be sent to privacy@spendaiusa.com.