Privacy Policy

3.1 Information You Provide Directly

Account Registration & Profile Information:

• Full name, email address, phone number
• Country/region of residence
• Payment method information (card details, bank account info)
• Account settings and preferences
• Subscription plan information
• Emails and sms required for to track your subscriptions

Financial Data (via Secure Bank Connections):

• Bank account numbers and financial institution details
• Transaction history and recurring payment information
• Subscription merchant names and amounts
• Payment method details
• Balance and credit limit information
• Account status and statements

Communications:

• Messages you send us via email, in-app support, or chat
• Feedback, surveys, or bug reports
• Customer service inquiries

Payment Information:

• Billing address
• Transaction records
• Refund/chargeback information

4.1 Direct Collection

• User registration and profile setup
• In-app forms and settings
• Payment processing
• Customer support interactions
• Feedback and surveys

4.2 Automatic Collection

• Mobile app analytics libraries (Firebase, Mixpanel)
• Web analytics (Google Analytics, Hotjar)
• Server logs and performance monitoring
• Error tracking services (Sentry, Bugsnag)

4.3 Third-Party Data Providers

• Bank Account Aggregation: We use third-party data aggregators (such as Plaid, TrueLayer, or similar providers) to securely access your bank and card transaction data.
• Payment Processors: We use processors like Stripe, Square, or similar to handle payment information.
• Publicly Available Data: We may supplement information with publicly available data for fraud prevention.

5.1 Service Provision

• Enabling you to connect bank accounts and view subscription data
• Detecting recurring payments automatically
• Providing alerts and reminders for upcoming charges
• Processing payments for premium features
• Delivering customer support
• Maintaining account security and access control

5.2 Service Improvement

• Analyzing app usage patterns to identify improvements
• Testing new features and functionality
• Fixing bugs and optimizing performance

5.3 Communication

• Sending service announcements and updates
• Notifying you of changes to our policies
• Responding to your inquiries
• Sending pre-charge alerts and payment reminders

5.4 Safety & Compliance

• Detecting, preventing, and addressing fraud and security issues
• Protecting against malicious, deceptive, or illegal activity
• Enforcing our Terms of Service and other agreements
• Complying with legal obligations and court orders

Active Account Data: We retain your personal information, financial data, and subscription records while your account is active.

After Account Deletion: Account information, transaction history, and personal data are deleted or anonymized within 30 days of account closure. Financial data from bank connections is deleted immediately.

Legal/Compliance Data: Transaction logs, payment records, and audit trails may be retained for 5-7 years for regulatory compliance.

We implement enterprise-grade security to protect your information:

• Encryption: TLS 1.2+ (HTTPS) in transit and AES-256 at rest.
• Access Controls: Role-based access control and multi-factor authentication.
• Infrastructure Security: Hosting on SOC 2 Type II compliant cloud infrastructure.
• Data Protection: Secure API endpoints and PCI-DSS compliant processing.