Privacy Policy
Effective Date: September 10, 2025
Our Commitment to Your Privacy
At SpendingOwl, your privacy and security are our top priorities. We believe in being transparent about what data we collect and how we use it. This policy explains our practices in simple terms.
What Information We Collect
- Account Information: Your email address when you sign up for early access
- Financial Data: Bank account and transaction information (through secure Plaid integration)
- Usage Data: How you use the app to improve our service
- Device Information: Basic device info for app functionality
How We Use Your Information
- Provide budget tracking and expense categorization
- Send you important updates about your account
- Improve our app based on usage patterns
- Provide customer support when needed
We never sell your data or share it with third parties for marketing.
How We Protect Your Data
- Bank-Level Security: We use Plaid's secure infrastructure (trusted by major financial institutions)
- Encryption: All data is encrypted in transit and at rest
- Limited Access: Only authorized personnel can access your data
- No Login Storage: We never store your bank login credentials
Your Rights
You have the right to:
- Access your personal data
- Correct inaccurate information
- Delete your account and data
- Export your data
- Opt out of non-essential communications
Cookies and Tracking
We use minimal cookies and analytics to:
- Keep you logged in
- Remember your preferences
- Understand how people use our website (anonymous analytics)
Data Retention
We keep your data only as long as necessary to provide our service. If you delete your account, we'll permanently remove your personal data within 30 days (except where required by law).
Changes to This Policy
We may update this policy occasionally. We'll notify you of significant changes via email or through the app.
Contact Us
Questions about this privacy policy? We're here to help:
Email: privacy@spendingowl.com
General Contact: info@spendingowl.com