Privacy Policy

At Patchly, we believe that managing family finances should be transparent, secure, and stress-free. This policy explains how we patch your data together to provide a safe and delightful experience.

• We collect minimal data needed to keep your family's money safe and organized.
• We never sell your personal or financial information to third parties.
• We use bank-grade security to protect your data from start to finish.

Information We Collect

We collect the following types of information to operate Patchly and provide our services:

• Account Data: When you create an account, we collect your name, email address, and profile picture. This allows us to send you important updates and manage your subscription.
• Financial Connection Data: To sync your bank accounts, we securely connect through third-party providers (like Plaid) to retrieve transaction data. We do not store your full banking credentials; we only access the data necessary to categorize your spending.
• Usage Data: We automatically collect technical data, such as your device type, browser type, IP address, and the pages you visit to improve app performance and security.

How We Use Your Information

We use your information for the following purposes:

• Service Delivery: To process transactions, manage family budgets, and sync bank accounts.
• Improvement: To analyze usage trends and improve the functionality, security, and user experience of Patchly.
• Communications: To send you service-related notices, security alerts, and marketing updates (which you can opt out of in your settings).

Data Sharing

We do not sell, trade, or rent your personal data to third parties. The only exception is for trusted service providers who perform services on our behalf, such as:

• Payment processors (e.g., Stripe) to handle subscriptions.
• Financial data aggregators (e.g., Plaid) to connect your bank accounts.
• Cloud hosting providers to ensure our app is fast and reliable.

These providers are contractually obligated to protect your data and are strictly prohibited from using it for their own marketing purposes.

Children's Privacy

Patchly is designed for families, including children. If you have created a "Kids Money School" profile for a child under the age of 13, we comply with the COPPA (Children's Online Privacy Protection Act).

We do not knowingly collect personal information from children under 13. If you discover that we have collected such data, we will delete it immediately.

Your Rights

You have the right to access, correct, or delete your personal information at any time. You can also request a portable copy of your data.

To exercise these rights, please contact us using the information below. We will respond to your request within 30 days.

Data Retention and Deletion Policy

We retain your personal data only for as long as necessary to provide the services you requested or to comply with legal obligations. Once your account is terminated or you request deletion, your data will be permanently erased from our active systems within 30 days, subject to legal retention requirements.

Cookies and Tracking Technologies

We use cookies and similar tracking technologies to enhance your browsing experience, analyze site traffic, and personalize content. You can control the use of cookies through your browser settings.

Contact Us

If you have any questions about this Privacy Policy or would like to exercise your data rights, please reach out to us:

Email: privacy@patchly.mom