PocketGuard Privacy & Data Policies

Privacy Policy

PocketGuard is a personal finance application designed to help users track spending, monitor subscriptions, and view budgeting insights. This Privacy Policy explains what information we collect, how we use it, and the choices users have regarding their data.

1. Information We Collect

• Account information such as Sign in with Apple credentials and basic profile details.
• Financial account and transaction information retrieved through Plaid when users choose to connect a bank account.
• Subscription and billing status for premium features.
• Device and app usage information needed for security, troubleshooting, and app improvement.

2. How We Use Information

• Provide budgeting, spending, and subscription tracking features.
• Support bank account linking and transaction retrieval through Plaid.
• Maintain account security and prevent unauthorized access.
• Improve app functionality and reliability.
• Process premium access and restore purchases.

3. Bank Connections and Plaid

PocketGuard uses Plaid to connect financial accounts. Bank login credentials are handled by Plaid Link and are not directly collected or stored by PocketGuard. PocketGuard receives authorized account and transaction data from Plaid only after user consent.

4. Data Sharing

PocketGuard does not sell user financial data. Information is shared only with service providers necessary to operate the app, such as Plaid for bank connections and other infrastructure providers used to host and secure the service.

5. Data Security

PocketGuard uses reasonable administrative, technical, and organizational safeguards to protect user information. Data is protected in transit using HTTPS/TLS. Access to production systems and sensitive services is restricted.

6. User Choices

• Users may disconnect services or stop using the app at any time.
• Users may request deletion of their account and associated data.
• Users may choose whether to subscribe to premium features.

7. Children’s Privacy

PocketGuard is not intended for children under 13, and we do not knowingly collect personal information from children under 13.

8. Policy Updates

This Privacy Policy may be updated from time to time. Changes will be reflected by updating the effective date on this page.

Data Retention & Disposal Policy

PocketGuard retains user financial data only as long as necessary to provide core application functionality, including budgeting insights, transaction history, and account summaries.

1. Retention

• User data is retained only for as long as needed to support account features and provide the service.
• Data associated with connected financial accounts is retained only while the account remains active and authorized.
• Subscription and limited operational records may be retained as needed for legal, accounting, fraud prevention, and operational purposes.

2. Deletion Requests

Users may request deletion of their account at any time through the application. Upon deletion, associated user data, including financial records and Plaid access tokens maintained by PocketGuard, will be removed from active systems within a reasonable period, subject to legal and operational retention requirements.

3. Disposal

PocketGuard uses secure deletion practices to dispose of data that is no longer required. Access to retained data is restricted to authorized systems and personnel only.

4. Review

PocketGuard periodically reviews retention and disposal practices to support compliance with applicable privacy and security requirements.

Contact

For privacy or data questions related to PocketGuard, contact:
Daveon Hawthorne
Founder & Application Owner – PocketGuard
phoneguardantitheft@gmail.com