Last updated: January 2026
Skimp: Money Saving Challenges ("we," "our," or "us") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our mobile application and related services (collectively, the "Service"). Please read this policy carefully to understand our practices regarding your personal data.
We collect information that you provide directly to us and information that is automatically collected when you use our Service.
Account Information: When you create an account, we collect your first name, last name, and email address. This information is necessary to set up your profile and enable personalized features within the app.
Challenge and Savings Data: We collect information about the financial challenges you join or create, including challenge names, duration, savings goals, estimated savings amounts, and your daily progress. This data allows us to track your achievements and provide insights into your savings journey.
Usage Information: We automatically collect certain information about how you interact with our Service, including the features you use, the time and date of your visits, the challenges you complete, and your overall activity patterns within the app.
Device Information: We may collect information about the device you use to access our Service, including the device type, operating system, unique device identifiers, and mobile network information. This helps us optimize the app experience for your specific device.
Communications: When you contact us through our support channels or contact form, we collect your name, email address, phone number, and the content of your message to respond to your inquiries effectively.
We use the information we collect for various purposes related to providing and improving our Service:
Our Service displays advertisements provided by independent third-party advertising networks. These advertisers may use cookies, web beacons, and similar technologies to collect information about your interactions with their advertisements and other websites or apps. This information may be used to provide advertisements about goods and services that may interest you.
We do not control the data collection and use practices of these third-party advertisers. When you click on an advertisement, you may be redirected to a third-party website or application that operates under its own privacy policy. We encourage you to review the privacy policies of any third-party sites you visit through our advertisements.
The loan matching and financial product features within our app may connect you with third-party lenders or financial service providers. Any information you provide directly to these third parties is subject to their respective privacy policies, and we are not responsible for their data handling practices.
Your personal information is stored on secure servers and protected using industry-standard security measures. We implement appropriate technical and organizational safeguards designed to protect your data against unauthorized access, alteration, disclosure, or destruction.
While we strive to protect your personal information, no method of transmission over the internet or electronic storage is completely secure. We cannot guarantee absolute security of your data, but we continuously work to improve our security practices.
We retain your personal information for as long as your account is active or as needed to provide you with our Service. If you request deletion of your account, we will delete or anonymize your personal data within a reasonable timeframe, unless we are required to retain certain information for legal or legitimate business purposes.
Challenge history and aggregated, anonymized data may be retained for analytical purposes even after account deletion, as this information cannot be used to identify you personally.
Depending on your location, you may have certain rights regarding your personal information:
Our Service is not intended for children under the age of 13 (or the applicable age of consent in your jurisdiction). We do not knowingly collect personal information from children. If we become aware that we have collected personal information from a child without verification of parental consent, we will take steps to delete that information promptly.
Your information may be transferred to and processed in countries other than your country of residence. These countries may have data protection laws that differ from your jurisdiction. By using our Service, you consent to the transfer of your information to these countries.
We may update this Privacy Policy from time to time to reflect changes in our practices or for other operational, legal, or regulatory reasons. We will notify you of any material changes by posting the new Privacy Policy within the app and updating the "Last updated" date. Your continued use of the Service after such modifications constitutes your acceptance of the updated policy.
If you have any questions, concerns, or requests regarding this Privacy Policy or our data practices, please contact us at:
Email: support@pfloans.net
We will respond to your inquiry within a reasonable timeframe and work to address your concerns.