Privacy Policy

At Magic Homi, we represent financial sovereignty and personal privacy. We believe that tracking your money should never cost you your personal data. We are committed to protecting your privacy and ensuring that your personal and financial information remains fully secure and confidential.

This Privacy Policy explains how Magic Homi ("the App", "the Service", "we", "us", or "our") collects, protects, and handles information when you visit and use our web application at magichomi.com.

1. Information We Collect

Magic Homi is designed to operate on a zero-friction, user-owned model. Depending on how you use our service, we collect the following categories of information:

• Local Usage Data (Guest Mode): If you use Magic Homi as a guest without creating an account, all of your financial transaction logs, budgets, debts, goals, and allowances are stored directly in your browser's local storage (via localStorage). This information never touches our servers. You remain entirely anonymous.
• Cloud Account Information: If you choose to register an account to sync your data across devices, we collect your email address and display name. Your financial logs are securely stored in our Cloud Database (powered by Google Firebase) with strict, authenticated access controls.
• Automated Usage Data: Like most web applications, we may collect non-identifiable usage statistics, such as browser type, system language, operating system, and page navigation patterns, to help us debug the interface and improve the user experience.

2. How We Use Your Information

We process your data strictly to deliver and maintain the high-performance utility of Magic Homi. Specifically, your data is used to:

• Generate your personalized financial reports, debt payoff schedules, and budget warning indicators.
• Synchronize your financial data across your authorized devices (if registered).
• Monitor application performance, resolve runtime errors, and optimize client-side load speeds.
• Protect the security and integrity of our systems and prevent fraudulent activity.

3. Cookies and Advertising Partners

We use essential cookies and browser storage features (localStorage) to persist your sessions, save your dark/light theme choices, and hold your local offline budget data.

To support this 100% free financial platform, we may partner with digital advertising networks, including **Google AdSense**, to serve contextually relevant ads on certain informational sections of the site. Google AdSense utilizes cookies to serve these advertisements based on your visit to our website and other websites on the internet.

Google AdSense DoubleClick DART Cookies

• Google, as a third-party vendor, uses cookies to serve ads on Magic Homi.
• Google's use of the DART cookie enables it to serve ads to our users based on their visit to our site and other sites on the Internet.
• Users may opt out of the use of the DART cookie by visiting the Google Ad and Content Network Privacy Policy.

Third-Party Vendor Disclosures

Third-party vendors and ad networks, including Google, serve ads on our site. These companies may use cookies, web beacons, and other tracking technologies to measure ad effectiveness and gather non-identifiable traffic patterns. You can opt out of third-party interest-based advertising by visiting AboutAds.info.

4. GDPR & CCPA Compliance (Your Rights)

We fully comply with global data protection standards, including the European Union's General Data Protection Regulation (GDPR) and the California Consumer Privacy Act (CCPA). Under these frameworks, you hold the following rights:

• Right to Access & Export: You can download a complete backup of all your data at any time in standard JSON format directly from the app Settings.
• Right to Deletion: If you are using Guest Mode, you can wipe all local storage data instantly. If you have a registered cloud account, you can request full deletion of your user profile and all database records by contacting support.
• Right to Correction: You hold full, direct write access to your financial logs and can modify or delete individual transactions at any time.

5. Security of Your Data

We apply industrial-grade technical safeguards to secure your information. All connection channels utilize transport layer security (HTTPS/SSL). Registered user databases are isolated behind authenticated Cloud Security Rules, ensuring that only your verified credentials can request your financial logs. However, please remember that no system is 100% secure, and we urge you to maintain strong, unique passwords for your email accounts.

6. Changes to this Policy

We reserve the right to refine this Privacy Policy to reflect app updates or regulatory changes. Any updates will be published directly on this page with an updated "Last Updated" timestamp. We encourage you to review this policy periodically to stay informed about our data protection methods.

7. Contact Support

If you have any questions, concerns, or requests regarding this Privacy Policy, please reach out to us at:

• Email Support: magichomi@proton.me
• Office Hours: Monday – Friday, 9:00 AM – 5:00 PM EST