1. Information We Collect
We collect information you provide directly to us, such as when you create an account, use our services, or contact us for support. We collect the following categories of personal information:IdentifiersName, email address, account identifiers, and any other information you choose to provide.
Financial InformationAccount balances, transaction data, financial account information, and other financial data collected through secure integrations with financial institutions.
Internet/Usage DataDevice information, IP address, browser type, usage patterns, and other technical information automatically collected when you use our services.
2. How We Use Your Information
We process your personal information to perform our contract with you, comply with legal obligations, and pursue legitimate business interests. Specifically, we use the information we collect to:• Provide, maintain, and improve our services• Process transactions and manage your account• Generate financial reports and insights• Communicate with you about our services• Detect, prevent, and address technical issues• Comply with legal obligations
3. Information Sharing and Disclosure
We do not sell personal information. We do not trade, rent, or otherwise transfer your personal information to third parties without your consent, except in the following circumstances:• With your explicit consent• To comply with legal obligations• To protect our rights and prevent fraud• With service providers who assist in our operations• In connection with a business transfer or acquisition
4. Data Security
We implement appropriate technical and organizational measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction.All financial data is encrypted in transit and at rest using industry-standard encryption protocols. We use secure connections (HTTPS) for all data transmission.However, no method of transmission over the internet or electronic storage is 100% secure. While we strive to protect your personal information, we cannot guarantee absolute security.
5. Data Retention
We retain user account data for as long as the account is active and for up to 3 years after account closure, unless longer retention is required by law.Financial transaction data may be retained for longer periods (up to 7 years) to comply with applicable laws and regulations.
6. Your Rights and Choices
You have certain rights regarding your personal information:• Access: You can request access to your personal information• Correction: You can request correction of inaccurate information• Deletion: You can request deletion of your personal information• Portability: You can request a copy of your data in a portable format• Opt-out: You can opt out of certain data processing activities
California Residents (CCPA/CPRA Rights):
• Right to Know: You have the right to know what personal information we collect, use, disclose, and sell (we do not sell personal information)• Right to Opt-Out: You have the right to opt-out of the sale or sharing of your personal information (we do not sell or share personal information)• Non-Discrimination: We will not discriminate against you for exercising your privacy rights
To exercise these rights, please contact us using the information provided below.7. Third-Party Services
Our services may integrate with third-party services, including financial institutions and data providers. These third parties have their own privacy policies and practices.We use Plaid Technologies, Inc. to connect to your financial accounts. Plaid's privacy policy can be found at https://plaid.com/legal/.We encourage you to review the privacy policies of any third-party services you use through our platform. 8. Children's Privacy
Our services are not intended for children under 13 years of age. We do not knowingly collect personal information from children under 13.If we become aware that we have collected personal information from a child under 13, we will take steps to delete such information promptly.
9. Changes to This Privacy Policy
We may update this privacy policy from time to time. We will notify you of any material changes by posting the new privacy policy on this page and updating the "Last updated" date.Your continued use of our services after any changes to this privacy policy constitutes acceptance of the updated policy.
10. Contact Us
If you have any questions about this privacy policy or our privacy practices, please contact us:We will respond to your inquiry within 30 days.