Overview

This Privacy Policy explains how Paycheck to Paycheck, Inc. ("Company," "we," "us," "our") collects, uses, and protects information when you use our Service, including participation in our beta program.

1. Information We Collect

Account and Identity Data

Email address and authentication identifiers
Household/account relationship data
Billing status and subscription metadata
Session and device metadata (for security and fraud prevention)

Planning Data You Enter

Pay schedules, recurring expenses, envelopes, and goals
Manual account balances and transaction-related planning data
User-provided notes and categorization inputs

Connected Financial Data (if enabled)

When enabled, we may receive account and transaction data through Plaid integrations.

Account names, masked identifiers, balances
Transaction date, amount, merchant, and categorization data

We do not receive your bank login credentials.

Billing Data

Payments are processed by Stripe. We store billing metadata, not full card numbers.

2. Beta Program Data Practices

During beta, we may collect additional operational data to improve product quality, including:

Feature usage events and interaction patterns
Error reports, logs, and debugging diagnostics
Feedback submitted through in-app forms, email, or support channels
Program metadata (for example, beta cohort/pricing eligibility flags)

We use this data to fix issues, prioritize roadmap decisions, and validate beta pricing/eligibility rules.

3. How We Use Information

Provide and operate the Service
Calculate budgeting and projection outputs
Manage subscriptions, billing, and beta eligibility
Secure accounts and detect abuse/fraud
Respond to support requests and product feedback
Improve reliability and user experience
Comply with legal obligations

We do not sell personal data.

4. Data Sharing

We share information only as needed to operate the Service, including with providers such as:

Supabase (auth and database infrastructure)
Stripe (billing and subscription management)
Plaid (financial connectivity, where enabled)
Hosting/infrastructure vendors (for example Vercel and Railway)

We may also disclose information when required by law or to protect rights and safety.

5. Data Retention and Deletion

We retain account and service data while your account is active.

After account deletion, data is removed according to our retention schedule and legal obligations.

Operational and audit records may be retained for security/compliance purposes.
Backups may persist temporarily before secure deletion cycles complete.

6. Security

We use industry-standard safeguards including encryption in transit and access controls.

No method of transmission or storage is completely secure, but we continuously improve protections.

7. Your Choices and Rights

Depending on your location, you may request to access, correct, export, or delete your data.

You may also opt out of non-essential communications where applicable.

8. Changes to This Policy

We may update this Privacy Policy as the beta program and Service evolve.

Material updates may be communicated by email or in-app notice.

9. Contact

If you have questions about this Privacy Policy, contact:

Email: info@paychecktopaycheck.io
Mailing Address:
Paycheck to Paycheck, Inc.
Omaha, NE
United States