1. Information we collect
1. Information we collect
1. Information we collect
Information you provide to us
Account and profile data: name, email address, password, and the preferences you set when you create an account.
Onboarding inputs: the answers you give during setup (for example, your goals and how you describe your current financial situation) so we can tailor your experience.
Communications: messages, feedback, and support requests you send us.
Information you provide to us
Account and profile data: name, email address, password, and the preferences you set when you create an account.
Onboarding inputs: the answers you give during setup (for example, your goals and how you describe your current financial situation) so we can tailor your experience.
Communications: messages, feedback, and support requests you send us.
Financial data you connect through Plaid
Financial data you connect through Plaid
To show you your spending and balances, EasyPeasy uses Plaid Inc. (“Plaid”) to securely connect to the bank and card accounts you choose to link. See Section 3 for details. The financial data we receive may include account balances, transaction history (amounts, dates, descriptions, and merchant information), and basic account identifiers. We connect on a read‑only basis and do not receive or store your bank login credentials — you enter those directly with Plaid.
To show you your spending and balances, EasyPeasy uses Plaid Inc. (“Plaid”) to securely connect to the bank and card accounts you choose to link. See Section 3 for details. The financial data we receive may include account balances, transaction history (amounts, dates, descriptions, and merchant information), and basic account identifiers. We connect on a read‑only basis and do not receive or store your bank login credentials — you enter those directly with Plaid.
Information collected automatically
Information collected automatically
When you use the Service, we and our service providers may collect:
Device and app data: device type, operating system, app version, and unique identifiers.
Usage data: features you use, screens you view, and in‑app activity, which we use to operate and improve the app.
Cookies and similar technologies on our website, used for core functionality and to remember your preferences. We do not currently use third‑party analytics SDKs in the app; if we add them, we will update this Policy. See Section 9 for your choices.
When you use the Service, we and our service providers may collect:
Device and app data: device type, operating system, app version, and unique identifiers.
Usage data: features you use, screens you view, and in‑app activity, which we use to operate and improve the app.
Cookies and similar technologies on our website, used for core functionality and to remember your preferences. We do not currently use third‑party analytics SDKs in the app; if we add them, we will update this Policy. See Section 9 for your choices.
2. How we use your information
2. How we use your information
We use your information to:
Provide the core Service — organize your transactions into the four life purposes, surface insights, and track progress toward your Safety Net and goals.
Categorize your transactions with the help of a third‑party AI service provider. To sort transactions into the four life purposes, we send transaction details — such as merchant name, amount, and date — to an AI service provider that returns a suggested category. We do not send your name, contact details, or account login credentials for this purpose, and our contract with the provider prohibits it from using your data to train its models or for any purpose other than providing this service to us.
Power Peasy, our in‑app check‑in assistant (see Section 4).
Detect and flag transactions that may be relevant to you (for example, potential childcare/dependent‑care, education, self‑employment, or charitable items) so you can review them. We flag items for your review; we do not file anything or compute amounts for you.
Communicate with you about your account, security, and updates.
Maintain, secure, troubleshoot, and improve the Service.
Comply with legal obligations and protect against fraud, abuse, and unauthorized use.
A core product principle: we detect signal from your data, but we confirm meaning with you before acting on it.
We use your information to:
Provide the core Service — organize your transactions into the four life purposes, surface insights, and track progress toward your Safety Net and goals.
Categorize your transactions with the help of a third‑party AI service provider. To sort transactions into the four life purposes, we send transaction details — such as merchant name, amount, and date — to an AI service provider that returns a suggested category. We do not send your name, contact details, or account login credentials for this purpose, and our contract with the provider prohibits it from using your data to train its models or for any purpose other than providing this service to us.
Power Peasy, our in‑app check‑in assistant (see Section 4).
Detect and flag transactions that may be relevant to you (for example, potential childcare/dependent‑care, education, self‑employment, or charitable items) so you can review them. We flag items for your review; we do not file anything or compute amounts for you.
Communicate with you about your account, security, and updates.
Maintain, secure, troubleshoot, and improve the Service.
Comply with legal obligations and protect against fraud, abuse, and unauthorized use.
A core product principle: we detect signal from your data, but we confirm meaning with you before acting on it.
Aggregated and de‑identified data. We may create aggregated or de‑identified data that cannot reasonably be used to identify you — for example, by combining usage patterns across users — and we use it only internally, to operate, analyze, and improve the Service. We do not attempt to re‑identify this data, we do not use it for any user‑facing or external purpose, and we do not sell it or share it with advertisers.
Aggregated and de‑identified data. We may create aggregated or de‑identified data that cannot reasonably be used to identify you — for example, by combining usage patterns across users — and we use it only internally, to operate, analyze, and improve the Service. We do not attempt to re‑identify this data, we do not use it for any user‑facing or external purpose, and we do not sell it or share it with advertisers.
3. Plaid
3. Plaid
EasyPeasy uses Plaid to gather your financial data from the institutions you connect through the app. By connecting an account, you grant EasyPeasy and Plaid the right and authority to access and transmit your personal and financial information from the relevant financial institution, on your behalf. You agree that your information will be transferred, stored, and processed by Plaid in accordance with the Plaid End User Privacy Policy, available at https://plaid.com/legal/#end-user-privacy-policy.
EasyPeasy uses Plaid to gather your financial data from the institutions you connect through the app. By connecting an account, you grant EasyPeasy and Plaid the right and authority to access and transmit your personal and financial information from the relevant financial institution, on your behalf. You agree that your information will be transferred, stored, and processed by Plaid in accordance with the Plaid End User Privacy Policy, available at https://plaid.com/legal/#end-user-privacy-policy.
Plaid’s handling of your data is governed by Plaid’s own policy, and you can review or exercise data rights with Plaid directly (including by contacting privacy@plaid.com or using Plaid’s privacy request form). You can disconnect a linked account in EasyPeasy at any time; doing so stops EasyPeasy from collecting new data from that account going forward, and Plaid’s systems are designed to delete the data they hold for that connection, subject to limited exceptions described in Plaid’s policy.
Plaid’s handling of your data is governed by Plaid’s own policy, and you can review or exercise data rights with Plaid directly (including by contacting privacy@plaid.com or using Plaid’s privacy request form). You can disconnect a linked account in EasyPeasy at any time; doing so stops EasyPeasy from collecting new data from that account going forward, and Plaid’s systems are designed to delete the data they hold for that connection, subject to limited exceptions described in Plaid’s policy.
4. The Peasy assistant
4. The Peasy assistant
Peasy is a rule‑based in‑app check‑in feature. It responds using predefined logic applied to your in‑app data — it is not a human, and Peasy itself does not generate its responses using a third‑party AI model. Separately, to sort your transactions into the four life purposes, we use a third‑party AI service provider to help categorize transactions — see Section 2 and Section 6. We may use aggregated, de‑identified information about how Peasy is used to improve it (see Section 2).
Peasy is a rule‑based in‑app check‑in feature. It responds using predefined logic applied to your in‑app data — it is not a human, and Peasy itself does not generate its responses using a third‑party AI model. Separately, to sort your transactions into the four life purposes, we use a third‑party AI service provider to help categorize transactions — see Section 2 and Section 6. We may use aggregated, de‑identified information about how Peasy is used to improve it (see Section 2).
5. Payment and subscription data
5. Payment and subscription data
EasyPeasy is currently free. If we offer paid subscriptions in the future and you purchase one, your payment will be processed by the app store through which you downloaded EasyPeasy (the Apple App Store or Google Play). We do not collect or store your full payment card number. We may receive confirmation details such as your subscription status, transaction identifiers, and renewal dates. The app store handles your payment information under its own privacy policy and terms.
EasyPeasy is currently free. If we offer paid subscriptions in the future and you purchase one, your payment will be processed by the app store through which you downloaded EasyPeasy (the Apple App Store or Google Play). We do not collect or store your full payment card number. We may receive confirmation details such as your subscription status, transaction identifiers, and renewal dates. The app store handles your payment information under its own privacy policy and terms.
6. How we share your information
6. How we share your information
We share personal information only as described here:
Service providers / processors who work on our behalf — for example, Plaid (account connectivity), cloud hosting, and a third‑party AI service provider that helps categorize your transactions (and analytics providers, if we add them) — under contracts that limit them to using your information to provide services to us.
Legal and safety — to comply with applicable law, legal process, or lawful requests, and to protect the rights, safety, and property of you, us, or others.
Business transfers — in connection with a merger, acquisition, financing, or sale of assets, in which case we will require the recipient to honor this Policy or notify you.
We share personal information only as described here:
Service providers / processors who work on our behalf — for example, Plaid (account connectivity), cloud hosting, and a third‑party AI service provider that helps categorize your transactions (and analytics providers, if we add them) — under contracts that limit them to using your information to provide services to us.
Legal and safety — to comply with applicable law, legal process, or lawful requests, and to protect the rights, safety, and property of you, us, or others.
Business transfers — in connection with a merger, acquisition, financing, or sale of assets, in which case we will require the recipient to honor this Policy or notify you.
We do not sell or rent your personal information, we do not share it for cross‑context behavioral advertising, and we do not share your financial data with advertisers.
We do not sell or rent your personal information, we do not share it for cross‑context behavioral advertising, and we do not share your financial data with advertisers.
7. Data retention
7. Data retention
We keep personal information for as long as your account is active or as needed to provide the Service, and afterward only as required to meet legal, accounting, or security obligations, resolve disputes, or enforce our agreements. When you close your account, we delete or de‑identify your information within a reasonable period, except where retention is required by law.
We keep personal information for as long as your account is active or as needed to provide the Service, and afterward only as required to meet legal, accounting, or security obligations, resolve disputes, or enforce our agreements. When you close your account, we delete or de‑identify your information within a reasonable period, except where retention is required by law.
8. Security
8. Security
We maintain a written information security program with administrative, technical, and physical safeguards designed to protect your information, sized to the nature and scale of our Service. These include modern, industry‑standard encryption of data in transit and at rest, access controls limited to personnel with a business need, system monitoring, timely patching, and incident‑response procedures. No method of transmission or storage is completely secure, so we cannot guarantee absolute security.
We maintain a written information security program with administrative, technical, and physical safeguards designed to protect your information, sized to the nature and scale of our Service. These include modern, industry‑standard encryption of data in transit and at rest, access controls limited to personnel with a business need, system monitoring, timely patching, and incident‑response procedures. No method of transmission or storage is completely secure, so we cannot guarantee absolute security.
9. Your choices and rights
9. Your choices and rights
Access, correct, or delete: You can review and update profile information in the app, and you can request access to, correction of, or deletion of your personal information by contacting us (see Section 12).
Disconnect accounts: You can unlink any connected financial account at any time in the app.
Close your account: You can request account closure at any time.
Marketing: You can opt out of marketing emails using the unsubscribe link or by contacting us; you may still receive service‑related messages.
Cookies: You can manage cookies through your browser settings and limit ad identifiers through your device settings.
Depending on where you live, applicable state law may give you additional rights (such as the right to access, correct, delete, or opt out of certain processing). We honor these rights as required by applicable law. As our user base grows, we will add any state‑specific notices required of us.
Access, correct, or delete: You can review and update profile information in the app, and you can request access to, correction of, or deletion of your personal information by contacting us (see Section 12).
Disconnect accounts: You can unlink any connected financial account at any time in the app.
Close your account: You can request account closure at any time.
Marketing: You can opt out of marketing emails using the unsubscribe link or by contacting us; you may still receive service‑related messages.
Cookies: You can manage cookies through your browser settings and limit ad identifiers through your device settings.
Depending on where you live, applicable state law may give you additional rights (such as the right to access, correct, delete, or opt out of certain processing). We honor these rights as required by applicable law. As our user base grows, we will add any state‑specific notices required of us.
10. Children
10. Children
The Service is intended for adults 18 and older. We do not knowingly collect personal information from children under 18. If you believe a child has provided us information, please contact us and we will take appropriate steps to delete it.
The Service is intended for adults 18 and older. We do not knowingly collect personal information from children under 18. If you believe a child has provided us information, please contact us and we will take appropriate steps to delete it.
11. Changes to this Policy
11. Changes to this Policy
We may update this Policy from time to time. If we make material changes, we will update the “Last updated” date and, where required, notify you through the Service or by email. Your continued use of the Service after an update means you accept the revised Policy.
We may update this Policy from time to time. If we make material changes, we will update the “Last updated” date and, where required, notify you through the Service or by email. Your continued use of the Service after an update means you accept the revised Policy.
12. How to contact us
12. How to contact us
Email: privacy@easypeasyfin.com
Email: privacy@easypeasyfin.com
