Privacy Policy

Last Updated: October 8, 2025

SpendCaddie is committed to protecting your privacy. This Privacy Policy explains what information we collect, how we use and share that information, and your rights regarding your information. By using SpendCaddie, you agree to the collection and use of information in accordance with this Privacy Policy.

1. Information We Collect

Account Information

•Name, email address, and password when you register
•Phone number (optional) for SMS alerts and two-factor authentication
•Profile information and preferences you provide

Financial Data (via Plaid)

With your permission, we collect read-only financial data through Plaid:

• Account balances and details
• Transaction history
• Credit card information (limits, APR, due dates)
• Outstanding balances

Note: We never receive or store your bank login credentials.

Payment Information

Payment card details are collected and processed by Stripe. We only store transaction records and the last 4 digits of your card.

Usage Data

•Device information (IP address, browser type, operating system)
•Activity logs and interaction with features
•Cookies and similar tracking technologies

2. How We Use Your Information

Provide Services

Deliver core functionality, calculate recommendations, monitor balances, and generate projections

Communications

Send account alerts, financial notifications, recommendations, and service updates

Improve Platform

Analyze usage patterns, fix bugs, develop features, and enhance user experience

Legal Compliance

Verify identity, prevent fraud, comply with regulations, and respond to legal requests

4. Data Security

Technical Measures

• TLS encryption in transit
• AES-256 encryption at rest
• Secure access controls
• Regular security audits

Operational Security

• Multi-factor authentication
• Audit logging
• Regular backups
• Incident response plan

While we implement industry-standard security measures, no system is 100% secure. We will notify you of any data breaches as required by law.

5. Data Retention

We retain your information only as long as necessary to provide our services and comply with legal obligations:

•Active accounts: Data retained while account is active
•After deletion: Most data deleted within 30 days
•Legal requirements: Some data retained longer as required by law
•Anonymized data: May be retained indefinitely for analytics

6. Your Rights and Choices

Your Rights

✓ Access your personal information
✓ Correct inaccurate data
✓ Delete your account and data
✓ Export your data
✓ Opt-out of marketing communications
✓ Manage notification preferences

How to Exercise Rights

To exercise any of these rights:

• Use account settings
• Email support@spendcaddie.com
• Include account details for verification

7. Cookies and Tracking

We use cookies and similar technologies to:

Authentication

Keep you logged in

Preferences

Remember settings

Analytics

Improve service

You can control cookies through your browser settings. Disabling cookies may limit some features.

8. Children's Privacy

SpendCaddie is not intended for children under 18. We do not knowingly collect personal information from children. If you believe we have collected information from a child, please contact us immediately.

9. Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of material changes by:

• Posting the new policy with an updated date
• Sending an email notification to registered users
• Displaying a prominent notice in the app

10. Contact Us

If you have questions about this Privacy Policy or our data practices:

SpendCaddie, Inc.

Email: support@spendcaddie.com

Privacy Inquiries: privacy@spendcaddie.com

Mailing Address:
1234 Finance Blvd
Wilmington, DE 19801
United States

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