📜 Terms & Conditions and Privacy Policy

AnchorTrakk ("the app", "we", "us") is a personal money-tracking tool at www.trakka.com.ng. It lets you log income, debts, gifts, savings, living expenses, and investments in one continuous record, and compute totals, budgets, and a net worth figure from what you enter. By creating an account or using the app, you agree to these terms.

AnchorTrakk is a record-keeping and budgeting tool, not a financial advisor. Every figure in it — budgets, "days until debt-free," net worth, achievement thresholds — is computed from numbers you typed in yourself, using straightforward arithmetic (no live market data, no professional judgment). Nothing in the app is investment, tax, or financial advice, and you're responsible for decisions you make based on what you track here.

You're responsible for keeping your sign-in credentials (and any security PIN you set) confidential, and for whatever happens under your account as a result of not doing so. You must provide accurate information when creating an account. AnchorTrakk is not directed at children, and you must be old enough in your jurisdiction to agree to these terms on your own behalf to use it.

Everything you enter — your income, debts, gifts, savings, investments, profile info — is yours. We don't claim ownership over it, and you can export a full copy at any time from Settings → "📁 Data" (as an Excel workbook or CSV). See the Privacy Policy below for how it's stored, who can access it, and how to have it deleted.

Use AnchorTrakk for its intended purpose: tracking your own personal finances. Don't try to break into another user's account or data, interfere with the service (including the scheduled jobs that send notifications), reverse-engineer it to abuse it, or use it for anything illegal. We can suspend or terminate an account that violates this.

AnchorTrakk is offered free of charge, as-is and as-available, with no uptime guarantee. We try to keep your data safe and the app working, but we can't promise it'll be error-free or uninterrupted, and we're not liable for financial decisions you make, data loss, or damages arising from using (or being unable to use) the app, to the fullest extent the law allows. Back up your data (via Export) if it matters to you.

We can change, add to, or remove features at any time (see the ✨ What's New tab for a running log of what's changed). We can also update these terms; the "Last updated" date at the top will change, and continuing to use AnchorTrakk after an update means you accept the revised terms. If a future change introduces a paid tier, it'll be clearly presented as optional before anything is charged — nothing in the app today requires payment.

Two kinds:

• Account info — your email address and authentication identifier (via Firebase Authentication), used to sign you in and keep your data private to your account.
• What you choose to enter — your income, debts, gifts, savings, living expenses, investments, profile fields (first name, surname, username, date of birth — all optional), currency and display preferences, and, if you turn on push notifications, a notification subscription endpoint for your device. If you link a Spotify playlist, only the playlist's ID is stored — not anything about your Spotify account.

We don't collect anything beyond what the app's own features need to function, and we don't run third-party analytics or ad tracking.

In Google Firebase (Authentication for sign-in, Cloud Firestore for your tracker data), under one document per account, readable and writable only by that account's own sign-in — enforced by Firestore's security rules, not just app-level checks. The app itself (the pages and code you load) is served from Cloudflare Workers. Static preferences not worth syncing across devices (like a "dismissed" banner) may also sit in your browser's own local storage, which never leaves your device.

No. We don't sell your data, rent it, or share it with advertisers or data brokers. The only "sharing" that happens is the infrastructure providers above (Firebase/Google, Cloudflare) processing it to run the app, and, if you link one, the Spotify playlist ID passed to Spotify's own public embed player when it loads on your Overview page.

Export anytime from Settings → "📁 Data" as an Excel workbook or CSV — that's a complete copy of everything you've entered. There's currently no self-service "delete my account" button in the app; to request deletion of your account and all associated data, email support@trakka.com.ng from the address your account uses, and we'll remove it.

If you turn on push notifications (the 🔔 button in Settings), your browser gives us a subscription endpoint, stored on your account, used only to deliver your own daily reminder, level-up, achievement, debt-cleared, and birthday notifications. It's never used for anything else, and turning notifications off (or deleting your account) removes it.

AnchorTrakk isn't directed at children and we don't knowingly collect data from anyone under the age of digital consent in their jurisdiction (13 in many places). If you believe a child has created an account, contact us at support@trakka.com.ng and we'll remove it.

If we materially change how data is collected or used, we'll update the "Last updated" date at the top of this page and note it in the ✨ What's New tab. Continuing to use AnchorTrakk after a change means you accept the updated policy.

Questions about these terms, the privacy policy, or your data: support@trakka.com.ng.