Privacy Policy

Overview

Stack Later ("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 website.

Information We Collect

Account Information

When you create an account, we collect your email address and display name. If you sign in with Google or Apple, we receive basic profile information from those services.

Savings Data

We collect information about the saves you log, including amounts, categories, and timestamps. This data is used to track your progress and provide app functionality.

Bank Account Information

If you choose to link a bank account for verified savings, we use Plaid Inc. to securely connect to your financial institution. We receive read-only access to account balances and basic account information. We never have access to your bank login credentials, and we cannot initiate transactions without your explicit authorization.

Device Information

We collect device identifiers and push notification tokens to deliver notifications. We may also collect crash reports and performance data to improve the app.

How We Use Your Information

• Provide and maintain the Stack Later service
• Track your savings progress and streaks
• Send push notifications about milestones and reminders
• Verify savings transfers when you link a bank account
• Improve our app through analytics and crash reporting
• Respond to your inquiries and support requests

Data Sharing

We do not sell your personal information. We may share data with:

• Plaid Inc. - To enable bank account linking and balance verification
• Firebase (Google) - For authentication, analytics, and crash reporting
• FusionAuth - For secure user authentication
• Legal requirements - When required by law or to protect our rights

Data Security

We implement industry-standard security measures to protect your data, including encryption in transit and at rest, secure authentication, and regular security audits. However, no method of transmission over the internet is 100% secure.

Data Retention

We retain your data for as long as your account is active. If you delete your account, we will delete your personal data within 30 days, except where we are required to retain it for legal purposes.

Your Rights

Depending on your location, you may have the right to:

• Access the personal data we hold about you
• Request correction of inaccurate data
• Request deletion of your data
• Export your data in a portable format
• Opt out of certain data processing

To exercise these rights, contact us at [email protected].

Children's Privacy

Stack Later is intended for users 13 years and older. We do not knowingly collect personal information from children under 13. If you believe we have collected information from a child under 13, please contact us immediately.

Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of significant changes through the app or by email. Your continued use of Stack Later after changes constitutes acceptance of the updated policy.

Contact Us

If you have questions about this Privacy Policy, please contact us at:

Email: [email protected]