Privacy Policy

1

Information We Collect

We collect the following types of information to provide and improve our Service:

Account Information

When you register for an account, we collect your email address and authentication credentials. Your password is encrypted and never stored in plain text.

Financial Data

When you connect your financial accounts through Plaid, we receive read-only access to:

• Account names, types, and balances
• Transaction history including merchant names, amounts, dates, and categories
• Investment holdings and securities information
• Loan and credit account details
• Recurring payment information

Important: We only have read-only access to your financial accounts. We cannot initiate transfers, payments, or any modifications to your accounts.

Device Information

We collect device-specific information including:

• Device type and operating system version
• Push notification tokens for delivering alerts you request
• App version and usage data to improve functionality
• Diagnostic information to troubleshoot technical issues

User Content

If you use our receipt scanning feature, images are processed locally on your device using optical character recognition (OCR). Images are not uploaded to or stored on our servers.

Location Information

With your permission, we may access your device's location to provide features such as finding nearby ATMs or bank branches. Location data is used only for these specific features and is not stored on our servers.

2

How We Use Your Information

We use the information we collect for the following purposes:

Provide, maintain, and improve our Service

Sync and display your financial account data

Calculate financial metrics (net worth, cash flow, budgets)

Detect unusual transaction patterns for your security

Send you notifications and alerts you have opted into

Respond to your inquiries and support requests

We do not use your financial data for advertising purposes.

3

Information Sharing and Disclosure

Service Providers

We engage trusted third-party service providers to assist in operating our Service:

1

Plaid Inc.

We use Plaid to securely connect to your financial institutions. Your use of Plaid is subject to their End User Privacy Policy.

2

Cloud Infrastructure

We use secure cloud hosting providers to store and process your data under strict data protection agreements.

3

Market Data Providers

We use third-party services to retrieve stock quotes and market data. Only ticker symbols are shared. No personal or account information is transmitted.

Legal Requirements

We may disclose your information if required to do so by law or in response to valid requests by public authorities (e.g., a court order or subpoena).

No Sale of Data

We do not sell, rent, or trade your personal information or financial data to any third party for marketing or commercial purposes.

4

Data Security

We implement industry-standard security measures to protect your data:

All data transmitted between the app and our servers is encrypted

Authentication tokens are stored in your device's secure hardware-backed storage

We maintain read-only access to financial accounts through Plaid

The app supports optional PIN and biometric authentication

While we strive to use commercially acceptable means to protect your personal information, no method of transmission over the internet or electronic storage is 100% secure.

5

Data Retention

We retain your account and financial data for as long as your account is active or as needed to provide you with the Service. If you delete your account, we will delete your personal data from our active servers within 30 days, except where retention is required for legal compliance, dispute resolution, or enforcement of our agreements.

6

Your Rights and Choices

Access and Export

You can export your financial data at any time directly from the app in CSV or PDF format.

Consent Management

You may update your preferences for analytics and marketing communications in Settings → Privacy.

Notifications

Manage notification preferences in Settings → Notifications or through your device's system settings.

Account Disconnect

You may disconnect any linked financial account at any time, which will stop data syncing for that account.

Account Deletion

You may delete your account and all associated data at any time through Settings → Advanced Settings → Delete User Account. This action is permanent and cannot be undone.

Alternatively, you may request deletion by contacting our support team. We will process deletion requests within 30 days.

7

Children's Privacy

Our Service is not intended for use by children under the age of 13. We do not knowingly collect personal information from children under 13. If you become aware that a child under 13 has provided us with personal information, please contact us and we will take steps to delete such information.

8

International Users

Our Service is hosted in the United States. If you are accessing the Service from outside the United States, you consent to the transfer of your information to the United States, which may have different data protection laws than your country of residence.

9

Changes to This Privacy Policy

We may update our Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on this page and updating the "Last updated" date. For material changes, we will notify you through the app or by email prior to the change becoming effective. Your continued use of the Service after any modifications indicates your acceptance of the revised Privacy Policy.