Privacy Policy

Effective Date: July 31, 2025

Welcome to BreakFin. Your privacy is important to us. This Privacy Policy explains how BreakFin ("we," "our," or "us") collects, uses, and shares information about you when you use our website and services (collectively, the “Service”).

By using the Service, you consent to the practices described in this Privacy Policy.

1. Information We Collect

We collect the following types of information:

a. Personal Information

• Name, email address, and contact details you provide during registration
• Authentication data if you log in via a third-party provider (e.g., Google)

b. Financial Information

• Bank, credit card, and investment account details you link through third-party aggregators (e.g., Plaid)
• Transaction data, account balances, net worth metrics, and spending categories

c. Usage Data

• Pages visited, features used, and interaction timestamps
• Device information, browser type, IP address, and referral sources

d. Cookies and Tracking

We use cookies and analytics tools (like PostHog) to understand user behavior and improve the Service.

2. How We Use Your Information

• Provide and personalize the Service
• Analyze spending and net worth trends
• Improve product features and user experience
• Communicate with you (e.g., onboarding, security alerts, promotions)
• Comply with legal obligations and protect against fraud

3. How We Share Your Information

We do not sell your personal information.

We may share information with:

• Service Providers – vendors who help us operate the platform (e.g., cloud hosting, analytics, authentication)
• Financial Data Aggregators – used to connect your accounts securely
• Legal Authorities – if required by law or to protect our rights

4. Data Security

We use encryption, secure access controls, and industry-standard practices to protect your data. However, no system is 100% secure, and you use the Service at your own risk.

5. Data Retention

We retain your information as long as your account is active or as needed to provide the Service. You may request deletion of your account and data at any time.

6. Your Rights

Depending on your jurisdiction, you may have rights to:

• Access, correct, or delete your personal data
• Object to or restrict processing
• Export your data in a portable format

Please contact us at [email protected] to exercise these rights.

7. Third-Party Services

The Service may link to external sites or integrate with third-party tools. We are not responsible for their privacy practices. Please review their policies separately.

8. Children's Privacy

Our Service is not intended for individuals under the age of 18. We do not knowingly collect data from children.

9. Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of material changes via email or in-app notification.

10. Contact Us

If you have questions or concerns about this policy, contact us at:

BreakFin
Email: [email protected]