Legal

Privacy Policy

This policy explains how Cosky handles personal and financial data across both the website and application. Please read it carefully before using the service.

Effective DateApril 5, 2026

1. Scope

This Privacy Policy applies to the Cosky website and application, including dashboards, reports, and related account features. It also includes region-specific notices for users in the EEA, UK, and California.

2. Information We Collect

We may collect account details (such as username and email), financial records you create (such as earnings, expenses, budgets, and investments), usage and device data, and support communications needed to operate and secure the service.

3. How We Use Data

We use your data to provide product functionality, personalize your experience, secure accounts, prevent abuse, troubleshoot issues, and improve reliability.

4. Legal Basis for Processing

For users in the EEA and UK, we process personal data under GDPR and UK GDPR legal bases including contract performance, legitimate interests, legal obligations, and consent where required.

5. Sharing of Information

We do not sell personal information. We may disclose limited data to service providers and contractors that support infrastructure, analytics, fraud prevention, and support operations under contractual safeguards.

6. Data Retention

We keep personal data for as long as needed to provide the service and meet legal, security, accounting, and operational obligations.

7. Security

We use technical and organizational safeguards designed to protect personal data. No method of storage or transmission is fully secure, but we continuously improve security controls.

8. International Data Transfers

If data is processed outside your region, we apply safeguards such as contractual protections and transfer mechanisms recognized by applicable law, including GDPR and UK GDPR transfer requirements where relevant.

9. EEA and UK Privacy Rights

If you are in the EEA or UK, you may request access, correction, deletion, portability, restriction, and objection to certain processing, and may withdraw consent where processing relies on consent.

10. California Privacy Rights (CCPA/CPRA)

California residents may request to know, correct, delete, and obtain a portable copy of personal information, and may request information about disclosures of personal information. We do not sell personal information or share it for cross-context behavioral advertising.

11. Your Choices and Requests

You can update account details in the app and request privacy-related actions through our contact channel. We will verify applicable requests as required by law before completing them.

12. Children's Privacy

Cosky is not directed to children under 13, and we do not knowingly collect personal information from children in violation of applicable law.

13. Policy Updates and Contact

We may update this Privacy Policy from time to time, and the latest version and effective date will be posted here. For privacy questions or requests, contact us through the contact page or by email at (87nehal){at}(gmail){dot}(com).