Financial Data Use Disclosure

OctoWealth is a mobile personal finance app. To provide its core features, OctoWealth may access financial data from accounts you choose to connect through Plaid.

OctoWealth uses financial data to help you view accounts, balances, transactions, budgets, bills, subscriptions, debts, liabilities, investments, net worth, cash flow, reports, exports, and financial insights.

OctoWealth uses read-only financial account access.

OctoWealth does not use Plaid to move money, initiate ACH transfers, initiate payments, execute trades, issue credit, open accounts, make loans, make credit decisions, repair credit, or take financial action on your behalf.

OctoWealth does not sell your financial data.

OctoWealth does not use your financial data for advertising.

OctoWealth does not send your personal financial data to third-party large language model providers at launch.

OctoWealth is designed to help you understand your personal finances in one place.

To do that, the app needs access to certain financial information from the accounts you choose to connect.

For example:

• to show your checking account balance, OctoWealth needs account and balance data;
• to show your spending, OctoWealth needs transaction data;
• to categorize expenses, OctoWealth needs transaction descriptions, merchant names, dates, and amounts;
• to detect subscriptions, OctoWealth needs recurring transaction patterns;
• to calculate net worth, OctoWealth needs asset and debt balances;
• to show investment views, OctoWealth needs investment account and holdings data;
• to help with debt payoff strategies, OctoWealth needs liability balances and related loan or credit information where available;
• to generate reports and exports, OctoWealth needs the underlying account, balance, transaction, budget, investment, or debt data that appears in those reports.

OctoWealth only receives financial data for accounts you choose to connect and features you choose to use.

The table below explains the main types of financial data OctoWealth may access and how that data supports app features.

This section explains how financial data maps to specific OctoWealth features.

A. Account Dashboard

The account dashboard may use:

• institution name;
• account name;
• account type;
• account subtype;
• masked account number;
• current balance;
• available balance;
• credit limit;
• investment balance;
• loan or liability balance.

OctoWealth uses this information to show your connected accounts in one place.

B. Net Worth

Net worth features may use:

• checking and savings balances;
• credit card balances;
• loan balances;
• investment balances;
• manual account balances;
• asset accounts;
• liability accounts.

OctoWealth uses this information to estimate your net worth by comparing assets and liabilities.

Net worth values may be incomplete or inaccurate if some accounts are not connected, unavailable, manually entered incorrectly, delayed, or unsupported.

C. Transactions

Transaction features may use:

• transaction date;
• transaction amount;
• merchant name;
• transaction description;
• account identifier;
• category;
• pending or posted status.

OctoWealth uses this information to show your transaction history, support search and filtering, categorize spending, power budget calculations, detect recurring activity, and generate reports.

D. Transaction Categorization

Categorization features may use:

• merchant name;
• transaction description;
• amount;
• date;
• account type;
• existing category;
• custom user rules;
• prior user edits.

OctoWealth uses this information to assign or suggest categories, apply custom transaction rules, improve budget tracking, and organize reports.

Transaction categories may be inaccurate. You are responsible for reviewing and correcting categories if accuracy matters to you.

E. Budgets

Budget features may use:

• transaction amounts;
• transaction dates;
• transaction categories;
• merchant information;
• user-created budget limits;
• manually entered budget settings;
• custom rules and tags.

OctoWealth uses this information to compare actual spending to your budget settings and show progress against budget categories.

F. Bills and Subscriptions

Bills and subscription features may use:

• recurring transaction patterns;
• merchant names;
• transaction amounts;
• transaction dates;
• transaction frequency;
• category information;
• payment history.

OctoWealth uses this information to detect likely recurring bills, subscriptions, memberships, recurring transfers, or scheduled payments.

Detection may be incorrect. Some recurring payments may be missed, and some non-recurring transactions may be classified as recurring.

G. Cash Flow

Cash-flow features may use:

• income-like transactions;
• expense transactions;
• transaction dates;
• account balances;
• recurring bills and subscriptions;
• budget data;
• manually entered assumptions.

OctoWealth uses this information to estimate inflows, outflows, recurring obligations, and spending patterns.

Cash-flow outputs are estimates and may be incomplete or inaccurate.

H. Debt Strategies

Debt strategy features may use:

• credit card balances;
• loan balances;
• liability account data;
• payment-related data where available;
• interest-related data where available;
• manually entered interest rates;
• manually entered minimum payments;
• user-selected payoff strategy;
• transaction and cash-flow data where relevant.

OctoWealth uses this information to support debt payoff comparisons, including snowball, avalanche, and cashflow-based strategies.

Debt strategy outputs are informational estimates only. OctoWealth does not provide credit counseling, debt settlement, lending advice, legal advice, tax advice, or financial planning advice.

I. Investments

Investment features may use:

• investment account names;
• investment account balances;
• holdings;
• quantities;
• securities names;
• ticker symbols;
• securities identifiers;
• investment transactions where available;
• market quote data from third-party market data providers.

OctoWealth uses this information to display investment accounts, holdings, balances, and investment-related views.

OctoWealth does not provide investment advice, recommend trades, execute trades, manage investments, or act as a broker or investment adviser.

Market data may be delayed, inaccurate, incomplete, or unavailable.

J. Reports

Report features may use:

• accounts;
• balances;
• transactions;
• categories;
• budgets;
• recurring bills;
• liabilities;
• investments;
• manually entered data;
• selected date ranges;
• selected filters.

OctoWealth uses this information to generate summaries, charts, CSV exports, PDF exports, JSON exports, or other user-requested reports.

Reports are for personal informational use only. They may not be suitable for tax, accounting, legal, lending, underwriting, or investment purposes.

K. Exports

Export features may use the data you choose to export, such as:

• transactions;
• accounts;
• budgets;
• reports;
• categories;
• investment data;
• liability data;
• receipt data;
• manually entered information.

When you export data from OctoWealth, the exported file may contain sensitive financial information. You are responsible for protecting exported files after downloading, storing, sharing, or transmitting them outside OctoWealth.

L. Receipt Scanning

Receipt scanning features may use:

• camera access;
• receipt images;
• receipt OCR text;
• merchant names;
• amounts;
• dates;
• item details where available;
• transaction matching information.

OctoWealth uses this information to help you track receipts, associate receipts with transactions, and maintain expense records.

At launch, receipt OCR is designed to be processed on-device where implemented that way. If this changes in the future, OctoWealth will update its disclosures as appropriate.

M. Financial Insights

Financial insight features may use:

• balances;
• transactions;
• categories;
• recurring patterns;
• budgets;
• debt data;
• investment data;
• manually entered settings;
• user preferences;
• app-generated calculations.

OctoWealth uses this information to generate informational insights, summaries, alerts, reminders, and visualizations.

Financial insights are not legal, tax, investment, credit, lending, accounting, debt settlement, or financial planning advice.

N. Custom Transaction Rules

Custom transaction rule features may use:

• merchant names;
• transaction descriptions;
• amounts;
• categories;
• account identifiers;
• user-created rules;
• user-selected labels or tags.

OctoWealth uses this information to automatically apply user-defined rules to transactions, such as category changes, tags, notes, or budget treatment.

O. Currency and Crypto Reference Views

Currency and crypto-related features may use:

• currency codes;
• crypto asset symbols;
• ticker symbols;
• user-selected display preferences;
• third-party reference data.

OctoWealth uses this information to show reference rates, market data, or informational views.

OctoWealth does not execute crypto trades, custody crypto assets, recommend crypto transactions, or provide investment advice.

At launch, OctoWealth does not use financial data to:

• move money;
• initiate ACH transfers;
• initiate payments;
• withdraw funds;
• deposit funds;
• execute trades;
• open bank accounts;
• issue credit;
• make loans;
• make credit decisions;
• settle debt;
• negotiate debt;
• repair credit;
• provide tax advice;
• provide legal advice;
• provide investment advice;
• provide professional financial planning advice;
• sell personal information;
• sell financial data;
• target third-party advertising;
• share financial data with advertising networks;
• train third-party large language models.

OctoWealth shares financial data only as needed to provide, operate, secure, support, and maintain the app.

Examples:

• Plaid: used to connect financial accounts and retrieve authorized account data.
• AWS: used to host, store, secure, process, log, back up, and operate OctoWealth.
• Sentry, if enabled: used for crash reporting and performance diagnostics.
• Apple and Google: used for app distribution, mobile platform services, push notifications, and billing where applicable.
• Stripe, if used: used for subscription checkout, billing, and customer portal functionality.
• Jira Service Management: used for support tickets where applicable.
• Market and currency data providers: used for ticker, crypto, or exchange-rate reference data.

OctoWealth does not sell your financial data.

OctoWealth does not share your financial data with ad networks.

OctoWealth does not use your financial data for third-party advertising.

When you connect a financial account, OctoWealth may continue syncing information from that account so the app can remain useful.

Ongoing sync may be used to refresh:

• balances;
• transactions;
• pending transactions;
• posted transactions;
• liabilities;
• investment balances;
• holdings;
• recurring bill patterns;
• subscription patterns.

Sync may occur periodically, automatically, when you open the app, when you request a refresh, when Plaid sends an update, or when needed for service operation.

You can stop future syncing by disconnecting the financial institution where the feature is available, requesting assistance from support, revoking access through Plaid or your financial institution, or deleting your OctoWealth account.

You may disconnect a financial institution from OctoWealth where the disconnect feature is available in the app.

If a per-institution disconnect feature is not yet available, you may contact:

support@octowealthapp.com

When a financial institution is disconnected, OctoWealth will take reasonable steps to:

• stop future syncing from that institution;
• remove the relevant Plaid access token from active use;
• call Plaid’s item removal process where applicable;
• prevent future updates from that institution unless you reconnect it.

Disconnecting a financial institution does not necessarily delete all previously synced data. Previously synced data may remain in OctoWealth for historical dashboards, budgets, reports, exports, records, security, backup, legal, or operational purposes unless you delete it, request deletion, or delete your account, subject to retention limitations.

You may request deletion of your OctoWealth account and associated data through the app, where available, or by contacting:

support@octowealthapp.com

When account deletion is executed, OctoWealth takes reasonable steps to:

• delete or close your OctoWealth account;
• revoke connected Plaid items where applicable;
• remove Plaid tokens from active use;
• stop future syncing;
• delete or de-identify active financial data associated with your account, subject to retention exceptions.

Some data may remain temporarily in backups, disaster recovery systems, logs, audit records, billing records, security records, or legally required records.

For example:

• CloudWatch logs may be retained for approximately 14 days;
• SQS dead-letter queue messages may be retained for approximately 14 days;
• DynamoDB point-in-time recovery may retain recoverable copies for up to approximately 35 days;
• AWS Backup snapshots may persist for up to approximately 90 days;
• certain S3 access logs may be retained for approximately 90 days;
• some records may be retained longer if required for legal, accounting, security, fraud prevention, support, or operational reasons.

Financial data in OctoWealth may be delayed, incomplete, inaccurate, unavailable, duplicated, or miscategorized.

This can happen because of:

• financial institution delays;
• Plaid connection issues;
• account authentication issues;
• pending transactions;
• institution outages;
• API limitations;
• data refresh timing;
• categorization errors;
• user-entered errors;
• market data delays;
• currency rate delays.

You should verify important financial information directly with your financial institution, card issuer, lender, brokerage, tax adviser, accountant, attorney, financial adviser, or other qualified professional before making financial decisions.

OctoWealth uses financial data to provide informational tools.

OctoWealth does not provide:

• legal advice;
• tax advice;
• accounting advice;
• investment advice;
• credit repair advice;
• lending advice;
• debt settlement advice;
• banking advice;
• professional financial planning advice;
• fiduciary advice.

You are responsible for your own financial decisions.

The following shorter version may be used in the app during onboarding, legal screens, or before connecting accounts:

OctoWealth uses Plaid to access financial data from U.S. accounts you choose to connect. This may include account details, balances, transactions, liabilities, investments, and identity information where enabled and authorized.

We use this data to power app features such as dashboards, budgets, transaction categorization, bills and subscription detection, net worth, cash flow, debt strategies, investment tracking, reports, exports, and financial insights.

OctoWealth uses read-only financial account access. We do not move money, initiate payments, initiate ACH transfers, execute trades, issue credit, make loans, make financial decisions for you, sell your financial data, use your financial data for advertising, or send your financial data to third-party LLM providers at launch.

You can disconnect financial institutions where available, request help at support@octowealthapp.com , or delete your OctoWealth account. Disconnecting stops future syncing but may not automatically delete data already stored by OctoWealth.

If you have questions about how OctoWealth uses financial data, contact us at:

OctoPath LLC d/b/a OctoWealth Email: support@octowealthapp.com Website: https://octowealthapp.com