Privacy Policy

Effective Date: April 8, 2026

1. Information We Collect

We collect financial data via Plaid, including transactions, account balances, and basic account metadata. We never receive or store your bank login credentials.

2. How We Use Data

We use your data strictly to calculate daily spending, provide insights, and maintain and improve app functionality.

3. Data Sharing

We only share data with Plaid (for financial connections) and essential infrastructure providers. We do not sell or monetize user data.

4. Security

Data is transmitted using encryption (HTTPS/TLS). Access is restricted and minimized. No system is completely secure.

5. Data Retention

We retain data only as long as necessary to provide the service. You may request deletion at any time.

6. Your Rights

You may disconnect financial accounts or request deletion of your data by contacting us.

7. Third Parties

Use of Plaid is subject to their own privacy policies.

8. Children

SpendRing is not intended for users under 13.

9. Updates

We may update this policy from time to time.

10. Contact

gosborn@spendring.app