Privacy Policy

⚠️ This is a Proof of Concept application. This privacy policy describes our intended practices for the full product.

Data We Access

Through Plaid, we request read-only access to: account balances, transaction history (24 months), credit card liabilities and APRs, and identity verification. We never access your login credentials — Plaid handles all secure bank connections.

How We Use Your Data

Your financial data is used solely to analyze spending patterns, identify savings opportunities, and simulate debt optimization scenarios. We do not sell, share, or monetize your personal financial data.

Data Security

All data is encrypted in transit (TLS 1.2+) and at rest (AES-256). Financial connections are handled by Plaid with bank-level security. We implement industry-standard security practices including regular security audits.

Data Retention

You may request deletion of your data at any time by contacting us. Upon account deletion, all personal and financial data is permanently removed within 30 days.

Third Parties

We use Plaid for secure bank connections. No other third parties have access to your financial data. Analytics data (non-financial) may be shared with analytics providers.