Who we are
NR Technologies LLC ("NR Technologies", "we", "us" or "our") builds software and mobile apps. This Privacy Policy applies to our website, our mobile and web apps, and any related services that link to it (together, the "Services").
If an app collects information in a way this policy doesn't cover, we'll explain it in that app, either before you use the feature or in a supplemental notice that links back here.
By using the Services, you acknowledge that your information will be handled as described in this policy.
Our apps
We build apps that help with everyday problems, and some of them handle sensitive information such as spending and personal finances. Two examples of what we build, and how this policy applies to them:
NR Travel and Expense
A group trip expense app. You create a trip, invite friends, log shared expenses and see who owes whom. It works offline and syncs when you reconnect.
NR Retirement
A FIRE and retirement planner. You enter savings, investments, income, spending and property, and NR Retirement projects when you could reach your goals. It has no account and keeps everything on your device, as described in its own privacy policy.
Each app collects only the information it needs to work. The sections below describe the types of information our apps may collect, and point out where a particular app works differently.
Information we collect
Information you give us
- Account information. Your name, email address and password, or the details you allow a sign-in provider (such as Sign in with Apple or Google) to share with us. If you use Apple's "Hide My Email", we receive a relay address instead of your real one.
- Trip and expense information (for example, NR Travel and Expense). Trip names and dates, expense descriptions, amounts, currencies, categories, how each expense is split, settle-up records and notes. If a feature lets you attach a receipt photo and you choose to, we store that photo.
- Information about other people. When you add someone to a trip, you may give us their name or email address so we can show them in the trip and, if you ask, send them an invitation. Please share only details you're allowed to share. We don't upload your device's address book.
- Financial planning information. Details you enter to build a plan, such as your age and target retirement age, income, savings rate, account balances, investment mix, expected returns, spending goals, property values, mortgage details and rental income. You enter these yourself. NR Retirement keeps them only on your device and never sends them to us. We don't ask for bank account numbers, card numbers, online banking passwords or government ID numbers. If we ever let you link financial accounts through a third-party provider, we'll explain how it works and ask for your permission first.
- Purchases. If you buy a subscription or in-app purchase, the payment is handled by the Apple App Store or Google Play. We receive confirmation of what you bought and its status, but not your full card details.
- Messages and feedback. What you send us when you email us, ask for support, report a problem or answer a survey.
Information collected automatically
- Device and app information. Device model, operating system, app version, language, time zone and an app-specific identifier we use to sync your data and keep your account secure. We don't collect your device's advertising identifier.
- Diagnostics and usage. Crash reports, performance data and basic records of which features are used, so we can fix bugs and improve the apps.
- Log data. When you visit our website or our apps connect to our servers, our hosting and security providers record technical details such as your IP address, browser type, the page or address requested, the date and time, and the referring page.
- Notifications. If you allow notifications, Apple or Google gives us a push token so we can send them to your device.
We don't collect your precise location. If a future feature needs it, we'll ask for your permission first, and you can change your mind in your device settings.
Information from others
- Sign-in providers such as Apple and Google, which share your name, email address and an account identifier, depending on your settings with them.
- App stores, which tell us about purchases and subscriptions and give us combined (not individual) download and usage statistics.
- Other users. A friend may add your name or email address to a trip or send you an invite link.
How we use information
We use information to:
- Provide the Services, for example to calculate balances and settle-ups, generate retirement projections and scenario comparisons, store your data on your device so the app works offline, and sync it across your devices.
- Run sharing features you choose, such as showing the expenses you add to the other members of a trip.
- Manage your account, including sign-in, security checks and purchase status.
- Communicate with you, including replies to support requests, service messages (such as security alerts or changes to our terms) and, only if you agree, news about our products. You can unsubscribe at any time.
- Fix and improve our products, by investigating crashes, measuring performance and learning which features are useful. Where we can, we use combined or de-identified data for this.
- Keep the Services safe, by preventing fraud, abuse, spam and unauthorized access.
- Meet legal obligations and enforce our terms.
We don't sell your personal information, and we don't use it for targeted advertising. Our apps don't show third-party ads.
AI-powered features
Some features may use artificial intelligence, for example to suggest a category for an expense, read the details from a receipt photo, or explain a projection in plain language. When you use such a feature:
- We send the AI provider only the information needed for that request.
- We don't use your trip, expense or financial information to train AI models, and we use providers whose terms don't allow them to train their models on the data we send.
- AI-generated output can be wrong, so please check it before relying on it.
How long we keep information
- While your account is open, we keep your account and app data so we can provide the Services.
- When you delete your account, we delete your personal information or make it non-identifiable within 30 days. Copies in our backups are overwritten within a further 90 days.
- Shared trips. To keep balances accurate for other trip members, expenses you added to a shared trip may remain in that trip after you delete your account, but your name is removed or replaced (for example, with "Former member").
- Exceptions. We may keep some information for longer when we need it to meet legal, tax or accounting obligations, resolve disputes, prevent fraud or enforce our terms.
- Server and security logs are kept for a short period, usually no more than a few months, unless they're needed to investigate a security problem.
Data stored on your device stays there until you delete it or uninstall the app.
How we protect information
We use administrative, technical and physical safeguards suited to the sensitivity of the information. These include encryption in transit (HTTPS/TLS), encryption at rest on our servers, access controls that limit who can view data, and regular review of the services we rely on. Only people who need access to provide, support or secure the Services can access your information.
No method of transmission or storage is completely secure, so we can't guarantee absolute security. You can help by using a strong, unique password and a screen lock on your device. If we learn of a breach that affects your personal information, we'll notify you as the law requires.
Your choices and rights
Choices everyone has
- Access, correct and export. You can view and edit most of your information in the app, and request a copy of your data by contacting us.
- Delete your account. You can delete your account from the app's settings or by emailing us. Deleting the app from your device doesn't delete your account.
- Email. You can unsubscribe from product news at any time using the link in the email. We'll still send service messages, such as security alerts.
- Device permissions. You can turn camera, photo, notification and other permissions on or off in your device settings at any time.
Rights under privacy laws
Depending on where you live, you may have the right to:
- know what personal information we have about you and get a copy of it;
- correct information that's inaccurate;
- delete your information;
- receive your information in a portable format;
- object to or restrict certain uses, and withdraw consent where we rely on it;
- opt out of the sale or sharing of personal information, targeted advertising and certain kinds of profiling (we don't do any of these);
- appeal our decision if we decline your request.
To make a request, contact us. We'll need to verify your identity, usually by confirming you control the email address on your account, and we'll respond within the time the law requires. You can use an authorized agent to make a request for you, but we may ask for proof that they're allowed to act on your behalf. We won't treat you differently for using your privacy rights.
U.S. state privacy rights
This section gives additional information for residents of California and other U.S. states with comprehensive privacy laws.
In the past 12 months, we may have collected the following categories of personal information, from the sources and for the purposes described above:
- Identifiers, such as name, email address, IP address and account or device identifiers.
- Customer records and financial information you enter, such as trip expense amounts. We don't collect the financial details you enter in NR Retirement, which stay on your device, or financial account numbers together with passwords or security codes.
- Commercial information, such as purchase and subscription history.
- Internet or other network activity, such as log data, diagnostics and how you use features.
- Photos, such as receipt images you choose to attach.
We disclose these categories only to the recipients described in "How we share information". We don't sell personal information or share it for cross-context behavioral advertising, and we haven't done so in the past 12 months. We don't knowingly sell or share the personal information of anyone under 16. We don't use or disclose sensitive personal information for any purpose that would give you a right to limit it under California law.
International users
NR Technologies is based in the United States. We and our service providers may process your information in the United States and other countries, whose data protection laws may differ from those where you live. When we transfer personal information from the European Economic Area, the United Kingdom or Switzerland, we use safeguards recognized by those laws, such as Standard Contractual Clauses.
If you're in the EEA, UK or Switzerland, we process your personal information on these legal bases:
- Contract: to provide the Services you've asked for.
- Legitimate interests: to keep the Services secure, fix problems and improve our products, where these interests aren't outweighed by your rights.
- Consent: for optional features and marketing. You can withdraw consent at any time.
- Legal obligation: where the law requires us to process or keep information.
You can also lodge a complaint with your local data protection authority.
Children's privacy
The Services aren't directed to children under 13 (or under 16 in the EEA and UK), and we don't knowingly collect personal information from them. If you believe a child has given us personal information, please contact us and we'll delete it.
Third-party services and links
The Services may link to, or let you open, services run by other companies, such as payment apps you use to settle up with friends, app stores or social networks. Those companies' privacy policies apply to what you do on their services, and we're not responsible for their practices.
Changes to this policy
We'll update this policy as our products change. When we do, we'll change the "Last updated" date at the top. If we make a significant change to how we handle your personal information, we'll let you know in the app or by email before it takes effect, and ask for your consent where the law requires it.
Contact us
If you have questions about this policy or want to make a privacy request, email us. Including "Privacy" in the subject line helps us respond faster.
- NR Technologies LLC
- [email protected]
- [email protected]