Privacy Policy

Introduction

CowCash ("we," "our," or "us") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our mobile application and services.

Information We Collect

Personal Information

• Name and email address (via Auth0 authentication)
• Profile picture (if provided through authentication provider)
• Phone number (optional, for notifications)

Financial Information

• Bank account information (via Plaid integration)
• Transaction history and details
• Account balances
• Budget preferences and spending categories

Technical Information

• Device information and identifiers
• Push notification tokens
• App usage analytics
• Timezone and locale settings

How We Use Your Information

We use your information to:

• Provide core budgeting and financial tracking functionality
• Sync your bank accounts and transactions
• Send notifications about your spending and budget status
• Personalize your budgeting experience
• Improve our services through analytics
• Ensure security and prevent fraud
• Comply with legal obligations

Third-Party Services

We work with trusted third-party services:

Plaid

We use Plaid to securely connect your bank accounts. Plaid's privacy policy can be found at https://plaid.com/legal/#privacy-policy

Auth0

We use Auth0 for secure authentication. Auth0's privacy policy can be found at https://auth0.com/privacy

Supabase

We use Supabase for data storage. Your data is encrypted and securely stored.

Data Security

We implement appropriate technical and organizational security measures to protect your personal information, including:

• Encryption of data in transit and at rest
• Secure authentication through Auth0
• Bank-level security through Plaid integration
• Regular security audits and updates
• Access controls and authentication for our systems

Data Sharing

We do not sell, trade, or rent your personal information. We may share your information only in the following circumstances:

• With your consent
• To comply with legal obligations
• To protect our rights and safety
• With service providers who assist in our operations (under strict confidentiality agreements)

Your Rights

You have the right to:

• Access your personal information
• Correct inaccurate information
• Request deletion of your account and data
• Opt-out of certain communications
• Disconnect linked bank accounts
• Export your data

Data Retention

We retain your information for as long as your account is active or as needed to provide you services. If you request account deletion, we will delete your personal information within 30 days, except where we are required to retain it for legal purposes.

Children's Privacy

CowCash is not intended for children under 13 years of age. We do not knowingly collect personal information from children under 13.

Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of any changes by updating the "Effective Date" at the top of this policy and, where appropriate, through in-app notifications.

Contact Us

If you have questions about this Privacy Policy or our privacy practices, please contact us at:

Email: support@cowcash.me
Website: www.cowcash.me

California Privacy Rights

If you are a California resident, you have additional rights under the California Consumer Privacy Act (CCPA), including the right to know what personal information we collect, the right to delete your information, and the right to opt-out of the sale of your information (which we do not do).