Privacy Policy

1. Introduction

Welcome to Affida ("we", "our", or "us"). We are committed to protecting your privacy. This Privacy Policy outlines how we collect, use, and safeguard your personal and financial information when you use our application to aggregate and track your personal finances.

2. Information We Collect

We collect information to provide and improve our services to you:

• Account Information: Name, email address, password hash, and user preferences when you register.
• Financial Data (via Plaid): Bank account balances, transaction history, credit limits, and APRs. We do not store your banking login credentials.
• Usage Data: Which pages you open and which features you use (for example, that you opened Budgets or started a CSV import), tied to your account and kept for 90 days, so we can see what is used and improve what is not. We never record amounts, merchant or account names, or anything you type, and this information is not shared with any third party.

3. How We Use Your Information

Your data is used strictly for providing the Affida service:

• To aggregate and categorize your financial transactions.
• To generate net worth trends, spending pacing, and budget tracking visuals.
• To calculate and visualize credit card rewards based on rules you define.
• To provide automated alerts regarding low balances or overspending (if enabled).

4. Third-Party Integrations (Plaid)

We use Plaid Technologies, Inc. ("Plaid") to connect your Affida account with your financial institutions. When you connect an institution, you authorize Affida and Plaid to retrieve your account information from it, which you may revoke at any time by disconnecting the institution in Affida.

Our access is read-only. Affida can view account balances, transactions, credit card and loan details, and investment holdings. Affida never moves money, never initiates payments, transfers, or trades, and cannot make any changes to your accounts. We request only Plaid's read-only data products (Transactions and, where you allow it, Liabilities and Investments) and have not requested any of Plaid's money-movement products. We do not receive or store your banking login credentials.

Your information is transferred, stored, and processed by Plaid in accordance with the Plaid End User Privacy Policy.

If your subscription or free trial ends, we stop syncing your financial institutions right away. Your bank connections stay linked for 14 days in case you resubscribe; after that we revoke them with Plaid. Your accounts and transaction history stay in your Affida account until you delete it, so reconnecting later picks up where you left off.

5. Data Security

We implement industry-standard security measures, including HTTPS encryption in transit and database encryption at rest. However, no method of transmission over the Internet or method of electronic storage is 100% secure.

6. Your Rights & Account Deletion (The Right to be Forgotten)

You have the right to access, update, export, and delete your personal information. You can permanently delete your Affida account and all associated financial data at any time from the Data & Privacy settings tab within the application.

Upon initiating account deletion, we will immediately revoke all active Plaid Access Tokens and execute a cascading deletion across our databases, permanently wiping your user profile, linked accounts, transaction history, and custom configurations.

7. Changes to this Policy

We may update our Privacy Policy from time to time. We will notify you of any changes by updating the "Last Updated" date at the top of this page.