Privacy Policy
Settle Down Finance ("Settle Down", "we", "us") makes the Settle Down budgeting app for iPhone. This policy explains what we collect, why, who we share it with, how long we keep it, and how you can delete it. We do not sell your data and we do not use it for advertising.
What we collect
- Account details: your email address (or the email Apple shares when you use Sign in with Apple), the first name you give your household, and your two-step verification settings.
- Bank data, through Plaid: when you choose to connect a bank, we receive account names, the last four digits of account numbers, account types, balances and transactions (merchant, amount, date and category), starting with the last 90 days. You sign in to your bank inside Plaid; we never see your bank username or password.
- What you enter: budgets, buckets, savings goals, bill splits, notes, and questions you ask the in-app assistant.
- Receipt photos you choose to scan. They are read and then discarded; we do not keep the image.
- Subscription-cancel assistant: when you use it, the text of the cancellation pages it reads, with typed values, email addresses and long numbers removed, and the outcome. Your logins for those services stay on your phone.
- Device data: a push-notification token so we can send you alerts.
How we use it
Only to provide the app to you and your household: sorting purchases into budget buckets, sending purchase alerts and insights, answering your questions, reading receipts, helping cancel subscriptions you choose, keeping your account secure, and providing support. Members of your household see the transactions from banks linked to that household.
Who we share it with
We share data only with service providers that run the app for us, only as needed, and under contracts that limit how they use it:
| Provider | What for |
|---|---|
| Plaid | Connecting to your bank and retrieving account data. Plaid's End User Privacy Policy explains how Plaid handles your data. |
| Supabase | Hosting our database, sign-in and servers (encrypted at rest). |
| Anthropic | The AI features (assistant answers, insights, bucket sorting, receipt reading, cancel assistant). It receives only the details needed for the feature, never your bank login, and does not use them to train its models. |
| Expo and Apple | Building the app and delivering push notifications. |
We may also disclose data if the law requires it, or to a successor if the business is sold, under this policy's protections.
Your consent and choices
- We connect a bank only when you start the connection and agree to the notice shown before Plaid opens.
- Unlink a bank in Settings at any time. We end our access at Plaid and delete that bank's accounts and transactions.
- Delete your account in Settings → Delete my account, or by emailing privacy@settledownfinance.com. We remove your banks at Plaid and delete your data within 30 days.
- You can turn off notifications in iPhone Settings.
- You can ask us for a copy of your data, or to correct it, by emailing us.
How long we keep it
- Bank data: while the bank is linked. Deleted when you unlink it or delete your account.
- Your account: while you use it. If you don't sign in for 24 months, we notify you and then delete the account 30 days later.
- Cancel-assistant page text: 30 days. The outcome (service, date, confirmation) stays as your record.
- Receipt images: not kept after reading.
- Backups and logs roll off on our providers' schedules, within 30 days for backups.
How we protect it
Data is encrypted in transit (TLS 1.2 or higher) and at rest. Bank access tokens are stored in an encrypted vault and never sent to your phone. Each household can see only its own data. Linking a bank requires two-step verification. Access to our systems is limited, uses multi-factor authentication, and is reviewed regularly. We will notify you if a breach affects your data, as the law requires.
Children
Settle Down is for adults. We do not knowingly collect data from children under 13.
Your state privacy rights
Depending on where you live (for example California), you may have rights to know, access, correct and delete your personal information, and to not be discriminated against for using them. We do not sell or share personal information for cross-context behavioral advertising. To use your rights, email privacy@settledownfinance.com.
Changes
If we change this policy in a way that affects how we use your bank data, we will tell you in the app and ask for your agreement again before continuing.
Contact
Settle Down Finance · privacy@settledownfinance.com · settledownfinance.com