Privacy Policy

Overview

Arithmony ("we," "us," or "our") operates the Arithmony budgeting application and website (collectively, the "Service"). This Privacy Policy describes how we collect, use, store, and share information about you when you use our Service.

By creating an account or using Arithmony, you agree to the collection and use of information in accordance with this policy. If you do not agree, please discontinue use of the Service.

Information We Collect

We collect the following categories of information to provide and improve the Service:

We do not collect Social Security numbers, government-issued ID numbers, or full payment card numbers.

Plaid & Financial Data

To connect your bank accounts, Arithmony uses Plaid Technologies, Inc. ("Plaid"). When you choose to link a financial account, you will interact directly with Plaid's interface to authenticate with your financial institution.

• Arithmony does not receive, store, or have access to your bank username or password.
• Plaid provides Arithmony with read-only access to your account data — we cannot initiate transfers or make changes to your accounts.
• The data Plaid shares with us includes account balances, transaction history, account names, and institution names.
• You may disconnect your financial accounts at any time from within the Arithmony settings. Upon disconnection, we will cease fetching new data from Plaid for that account.
• Plaid's collection and use of your data is governed by Plaid's own Privacy Policy, available at plaid.com/legal.

How We Use Your Data

We use the information we collect for the following purposes:

• Providing the Service — to display your financial data, power budgeting features, track goals, and generate reports within your Arithmony account.
• Account management — to create and maintain your account, authenticate your identity, and manage your subscription.
• Communications — to send transactional emails (account confirmations, password resets, billing receipts) and, where you have opted in, product updates and launch announcements.
• Service improvement — to understand how users interact with Arithmony, diagnose bugs, and improve features. This analysis is performed on aggregated or anonymized data where possible.
• Legal compliance — to comply with applicable laws, respond to lawful requests, and enforce our Terms of Service.
• Security — to detect and prevent fraud, unauthorized access, and other harmful activity.

We do not sell your personal data to third parties. We do not use your financial data to serve you targeted advertising.

Sharing & Disclosure

We share your information only in the following limited circumstances:

In the event of a merger, acquisition, or sale of all or part of our assets, your information may be transferred to the acquiring entity, subject to the same privacy protections described in this policy. We will notify you via email or a prominent notice on the Service prior to any such transfer.

Data Retention

We retain your personal data for as long as your account is active or as needed to provide the Service. Specifically:

• Account data is retained for the duration of your account and for up to 30 days after deletion, to allow for account recovery.
• Financial and transaction data synced via Plaid is retained while your account is active. You may delete individual linked accounts at any time from Settings.
• User-entered budget data is retained while your account is active and deleted upon account deletion.
• Usage and device data is retained for up to 12 months for analytics and security purposes.

To request deletion of your account and associated data, contact us at the address below or use the account deletion feature within the app. We will process deletion requests within 30 days, subject to any legal obligations requiring us to retain certain records.

Security

We take the security of your financial and personal data seriously and implement industry-standard measures including:

• Encryption of data in transit using TLS (Transport Layer Security)
• Encryption of sensitive data at rest
• Access controls limiting employee access to user data
• Regular security reviews of our infrastructure and third-party integrations

No method of transmission over the internet or electronic storage is 100% secure. While we strive to protect your information using commercially acceptable means, we cannot guarantee absolute security. In the event of a data breach that affects your personal information, we will notify you as required by applicable law.

Your Rights (CCPA & US Privacy)

If you are a resident of California, the California Consumer Privacy Act (CCPA) grants you the following rights with respect to your personal information:

• Right to Know — You may request that we disclose what personal information we collect, use, disclose, and sell about you.
• Right to Delete — You may request that we delete personal information we have collected from you, subject to certain exceptions.
• Right to Opt-Out — You have the right to opt out of the sale of your personal information. Arithmony does not sell personal information.
• Right to Non-Discrimination — We will not discriminate against you for exercising your privacy rights.
• Right to Correct — You may request correction of inaccurate personal information we hold about you.

Regardless of your state of residence, you may at any time access, update, or delete the personal information in your Arithmony account via Settings, or by contacting us directly. We will respond to verifiable requests within 45 days.

Children's Privacy

Arithmony is not directed to individuals under the age of 18. We do not knowingly collect personal information from anyone under 18. If you believe a minor has provided us with personal information, please contact us immediately and we will take steps to delete such information.

Changes to This Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, technology, legal requirements, or other factors. When we make material changes, we will notify you by email (at the address associated with your account) and by updating the "Last Updated" date at the top of this page.

Your continued use of the Service after the effective date of any updated Privacy Policy constitutes your acceptance of the changes. We encourage you to review this policy periodically.

Contact Us

If you have questions, concerns, or requests regarding this Privacy Policy or our data practices, please contact us: